Common use of Loading Your Card Clause in Contracts

Loading Your Card. You may add funds to your Card, called "value loading", at any time. Value will be "loaded" or added to the Card after it has been activated and the authenticity of the Card and/or "load" instruction has been verified. You can add ("reload") additional value to your Card in any of the following ways: (a) making a payment at your local Del Norte Credit Union branch; (b) direct deposit to the Card through an Automated Clearing House (“ACH”) funds transfer; or (c) visiting ▇▇▇.▇▇▇▇.▇▇▇ or calling ▇▇▇-▇▇▇-▇▇▇▇ to initiate an ACH funds transfer from your designated funding account. A load or reload fee may apply for each load or reload. The minimum amount of the initial load and each reload transaction load is $50.00 The maximum amount of the initial cash load and each cash reload is $1,000.00 per transaction, with a total cumulative cash load/reload limit of $1,000.00 per day. The maximum amount of value that can reside on the Card at any time is $5,000.00 for Personalized Cards and $4,000.00 for Non-Personalized Cards. The number of loads on a Non-Personalized Card is limited to four (4) including the initial load. Personalized Cards have unlimited reload capabilities. We may increase or decrease these limits from time to time in our sole discretion without prior notice to you. We will limit the number of Cards provided to you. We reserve the right to accept or reject any request to load or reload value to the Card at our sole discretion. With the exception of reloads performed through direct deposit, the Card may only be reloaded by the Cardholder. AN UNAUTHORIZED USER MAY NOT RELOAD FUNDS TO THE CARD. The maximum amount that can be spent on your Card per day is $1,700.00. The maximum value of your Card is restricted to $5,000.00 for Personalized Cards and $4,000.00 for Non-Personalized Cards. You may use your Card to purchase or lease goods or services wherever, in most instances, Visa Debit cards are accepted as long as you do not exceed the value available on your Card Account. Some merchants do not allow cardholders to conduct split transactions where you would use the Card as partial payment for goods and services and pay the remainder of the balance with another form of legal tender. If you wish to conduct a split transaction and it is permitted by the merchant, you must tell the merchant to charge only the exact amount of funds available on the Card to the Card. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping your Card, your Card is likely to be declined. If you use your Card at an automated fuel dispenser ("pay at the pump"), the merchant may preauthorize the transaction amount up to $74.00 or more, even if the purchase amount is less than $74.00. If your Card is declined, even though you have sufficient funds available, pay for your purchase inside with the cashier. A preauthorization amount will place a "hold" on your available funds until the merchant sends us the final payment amount of your purchase. Once the final payment amount is received, the preauthorization amount on hold will be removed. It may take up to three (3) days for the hold to be removed. During the hold period, you will not have access to the preauthorized amount. Depending on your remaining balance, the preauthorization could cause another subsequent purchase to be declined. To avoid a declined purchase, or a hold greater than the actual purchase amount, pay for your gas inside with the cashier. If you use your Card at a restaurant, a hotel, for a car rental purchase, or for similar purchases, the merchant may preauthorize the transaction amount for the purchase amount plus up to 20% of the purchase amount or more to ensure there are sufficient funds available to cover tips or incidental expenses incurred. All transactions relating to hotels or car rentals may result in a hold for that amount of funds up to thirty (30) days. If you use your Card to make a telephone call, you may be required to have a minimum available balance of greater than $15.00. If you use your Card number without presenting your Card (such as for a mail order, telephone, or internet purchase), the legal effect will be the same as if you used the Card itself. For security reasons, we may limit the amount or number of transactions you can make on your Card. Your Card cannot be redeemed for cash. You will not use your Card for online gambling or any illegal transaction. Each time you use your Card, you authorize us to reduce the value available in your Card Account by the amount of the transaction and any applicable fees. You are not allowed to exceed the available amount in your Card Account through an individual transaction or a series of transactions. Nevertheless, if a transaction exceeds the balance of the funds available on your Card, you shall remain fully liable to us for the amount of the transaction and any applicable fees. Except for Recurring Transactions (defined below), you do not have the right to stop payment on any purchase or payment transaction originated by use of your Card. If you authorize a transaction and then fail to make a purchase of that item as planned, the approval may result in a hold for that amount of funds for up to three (3) days. You may use your Card for any Recurring Transactions. "Recurring Transactions" are transactions that you authorize to have automatically charged to your Card each month or other specified period with or without any further action on your part. Examples of merchants that may use Recurring Transactions include wireless carriers, internet service providers, health clubs, insurance companies that automatically charge monthly premiums, and cable TV services. If you have pre-authorized a third party to deduct Recurring Transactions, you can stop any of these payments. To stop a payment, you must provide sufficient advance notice to the party that you authorized to debit your Card balance to allow that party to stop payment before the next payment is scheduled to be made. You may notify us by calling ▇▇▇-▇▇▇-▇▇▇▇, or writing to us at Cardholder Services PO Box 7235 Sioux Falls, SD 57117-7235. If you notify us orally by telephone, we may require you to provide a written confirmation within fourteen (14) days of your call. You must give us notice by any of these methods in time for us to receive your request three (3) business days or more before the payment is scheduled to be made.

Loading Your Card. You may add funds to your Card, called "value loading", at any time. Value will be "loaded" or added to the Card after it has been activated and the authenticity of the Card and/or "load" instruction has been verified. You can add ("reload") additional value to your Card in any of the following ways: (a) making a payment at your local Del Norte Align Credit Union branch; (b) direct deposit to the Card through an Automated Clearing House (“ACH”) funds transfer; or (c) visiting ▇▇▇.▇▇▇▇.▇▇▇ or calling (▇▇▇-) ▇▇▇-▇▇▇▇ to initiate an ACH funds transfer from your designated funding account. A load or reload fee may apply for each load or reload. The minimum amount of the initial load and each reload transaction load is $50.00 50.00. The maximum amount of the initial cash load and each cash reload is $1,000.00 5000 per transaction, with a total cumulative cash load/reload limit of $1,000.00 5000 per day. The maximum amount of value that can reside on the Card at any time is $5,000.00 for Personalized Cards and $4,000.00 for Non-Personalized Cards5000. The number of loads on a Non-Personalized Card is limited to four (4) including the initial load. Personalized Cards have unlimited reload capabilities. We may increase or decrease these limits from time to time in our sole discretion without prior notice to you. We will limit the number of Cards provided to you. We reserve the right to accept or reject any request to load or reload value to the Card at our sole discretion. With the exception of reloads performed through direct deposit, the Card may only be reloaded by the Cardholder. AN UNAUTHORIZED USER MAY NOT RELOAD FUNDS TO THE CARD. The maximum amount that can be spent on your Card per day is $1,700.00limited to the balance on your card. The maximum value of your Card is restricted to $5,000.00 for Personalized Cards and $4,000.00 for Non-Personalized Cards5000. You may use your Card to purchase or lease goods or services wherever, in most instances, Visa Debit cards are accepted as long as you do not exceed the value available on your Card Account. Some merchants do not allow cardholders to conduct split transactions where you would use the Card as partial payment for goods and services and pay the remainder of the balance with another form of legal tender. If you wish to conduct a split transaction and it is permitted by the merchant, you must tell the merchant to charge only the exact amount of funds available on the Card to the Card. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping your Card, your Card is likely to be declined. If you use your Card at an automated fuel dispenser ("pay at the pump"), the merchant may preauthorize the transaction amount up to $74.00 100 or more, even if the purchase amount is less than $74.00100. If your Card is declined, even though you have sufficient funds available, pay for your purchase inside with the cashier. A preauthorization amount will place a "hold" on your available funds until the merchant sends us the final payment amount of your purchase. Once the final payment amount is received, the preauthorization amount on hold will be removed. It may take up to three (3) days for the hold to be removed. During the hold period, you will not have access to the preauthorized amount. Depending on your remaining balance, the preauthorization could cause another subsequent purchase to be declined. To avoid a declined purchase, or a hold greater than the actual purchase amount, pay for your gas inside with the cashier. If you use your Card at a restaurant, a hotel, for a car rental purchase, or for similar purchases, the merchant may preauthorize the transaction amount for the purchase amount plus up to 20% of the purchase amount or more to ensure there are sufficient funds available to cover tips or incidental expenses incurred. All transactions relating to hotels or car rentals may result in a hold for that amount of funds up to thirty (30) days. If you use your Card to make a telephone call, you may be required to have a minimum available balance of greater than $15.0015. If you use your Card number without presenting your Card (such as for a mail order, telephone, or internet purchase), the legal effect will be the same as if you used the Card itself. For security reasons, we may limit the amount or number of transactions you can make on your Card. Your Card cannot be redeemed for cash. You will not use your Card for online gambling or any illegal transaction. Each time you use your Card, you authorize us to reduce the value available in your Card Account by the amount of the transaction and any applicable fees. You are not allowed to exceed the available amount in your Card Account through an individual transaction or a series of transactions. Nevertheless, if a transaction exceeds the balance of the funds available on your Card, you shall remain fully liable to us for the amount of the transaction and any applicable fees. Except for Recurring Transactions (defined below), you do not have the right to stop payment on any purchase or payment transaction originated by use of your Card. If you authorize a transaction and then fail to make a purchase of that item as planned, the approval may result in a hold for that amount of funds for up to three thirty (330) days. You may use your Card for any Recurring Transactions. "Recurring Transactions" are transactions that you authorize to have automatically charged to your Card each month or other specified period with or without any further action on your part. Examples of merchants that may use Recurring Transactions include wireless carriers, internet service providers, health clubs, insurance companies that automatically charge monthly premiums, and cable TV services. If you have pre-authorized a third party to deduct Recurring Transactions, you can stop any of these payments. To stop a payment, payment you must provide sufficient advance notice to the party that you authorized to debit your Card balance to allow that party to stop payment before the next payment is scheduled to be made. You may notify us by calling (▇▇▇) ▇▇▇-▇▇▇-▇▇▇▇, ▇ or writing to us at Cardholder Services PO P.O. Box 7235 Sioux Falls, SD 57117-7235. If you notify us orally by telephone, we may require you to provide a written confirmation within fourteen (14) days of your call. You must give us notice by any of these methods in time for us to receive your request three (3) business days or more before the payment is scheduled to be made.

Loading Your Card. You may add funds to your Card, called "value loading", at any time. Value will be "loaded" or added to the Card after it has been activated and the authenticity of the Card and/or "load" instruction has been verified. You can add ("reload") additional value to your Card in any of the following ways: (a) making a payment at your local Del Norte ▇▇▇▇▇▇▇ Federal Credit Union branch; (b) direct deposit to the Card through an Automated Clearing House (“ACH”) funds transfertransfer and receive the funds up to 2 days early dependent on the timing of payer’s submission of ach deposit versus the scheduled payment date; or (c) visiting ▇▇▇.▇▇▇▇.▇▇▇ or calling ▇▇▇866-▇▇▇-▇▇▇▇ 760- 3156 to initiate an ACH funds transfer from your designated funding account; d) transfer funds to your Card from an eligible checking or savings account held by you at a U.S. financial institution by means of using the Bank’s online banking system; or e) visit participating Visa ReadyLink merchants to reload, merchants reserve the right to charge a fee. Find a Visa ReadyLink merchant at: ▇▇▇▇▇://▇▇▇.▇▇▇▇.▇▇▇/pay-with-visa/cards/services-locator.html. A load or reload fee may apply for each load or reload. The minimum amount of the initial load and each reload transaction load is $50.00 50.00. The maximum amount of the initial cash load and each cash reload is $1,000.00 5000.00 per transaction, with a total cumulative cash load/reload limit of $1,000.00 5000.00 per day. The maximum amount of value that can reside on the Card at any time is $5,000.00 for Personalized Cards and $4,000.00 for Non-Personalized Cards5000.00. The number of loads on a Non-Personalized Card is limited to four (4) including the initial load. Personalized Cards have unlimited reload capabilities. We may increase or decrease these limits from time to time in our sole discretion without prior notice to you. We will limit the number of Cards provided to you. We reserve the right to accept or reject any request to load or reload value to the Card at our sole discretion. With the exception of Except for reloads performed through direct deposit, the Card may only be reloaded by the Cardholder. AN UNAUTHORIZED USER MAY NOT RELOAD FUNDS TO THE CARD. The maximum amount that You can be spent on your Card per day is $1,700.00. The maximum value of your Card is restricted to $5,000.00 for Personalized Cards and $4,000.00 for Non-Personalized Cardsreceive Automated Clearing House (“ACH”) direct deposits. You may use provide your Card Account number for these deposits, but you agree not to purchase or lease goods or services wherever, in most instances, Visa Debit cards are accepted as long as you do not exceed the value available on provide your Card Account. Some merchants do not allow cardholders Account number to conduct split transactions where you would use the Card as partial payment for goods and services and pay the remainder of the balance with another form of legal tenderthird parties to withdraw funds. If you wish are a party to conduct a split transaction and it is permitted an ACH entry, you agree to be bound by the merchantrules and regulations of the National Automated Clearing House Association ("NACHA") Operating Rules and Guidelines (collectively, the “NACHA Rules”), the rules of any local ACH, and the rules of any other system through which the entry is made. You may also use the Mobile Cashed Check Load service offered by Ingo Money, Inc. (a third-party service provider) to load funds from eligible cashed checks to your Card using your mobile device. Even though we may allow use of the Mobile Cashed Check Load service to add money to your Card, we do not provide this service and are not responsible for any service-related issues. To use this service, you must tell agree to the merchant terms and conditions the service provider establishes from time to time. Although we do not charge only any fees in connection with Mobile Cashed Check Loads, the exact amount of funds available service provider providing such service may charge a fee depending on the Card funding option you select. The terms and conditions, including the applicable fees, will be provided to you at the Cardtime you sign up for the service. You must then arrange to pay can sign up for this service by visiting ▇▇▇▇▇://▇▇▇.▇▇▇▇▇▇▇▇▇.▇▇▇. The service provider should notify you about any fees for a particular load before you authorize the difference using another payment methodload. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping your Card, your Card is likely to be declined. If you use your Card at an automated fuel dispenser ("pay at the pump"), the merchant may preauthorize the transaction amount up to $74.00 or more, even if the purchase amount is less than $74.00. If your Card is declined, even though you have sufficient funds available, pay for your purchase inside with the cashier. A preauthorization amount will place a "hold" on your available funds until the merchant sends us the final payment amount of your purchase. Once the final payment amount is received, the preauthorization amount on hold will be removed. It may take up to three (3) days for the hold to be removed. During the hold periodGenerally, you will not have access to the preauthorized amountmoney you load via the Mobile Cashed Check Load service until your check clears (this can take up to ten (10) business days). Depending on your remaining balance, the preauthorization could cause another subsequent purchase to be declined. To avoid a declined purchase, or a hold greater than the actual purchase amount, pay for your gas inside with the cashier. If you use your Card at a restaurant, a hotel, The service provider may offer immediate funds availability for a car rental purchase, or for similar purchases, fee. See the merchant may preauthorize the transaction amount for the purchase amount plus up to 20% of the purchase amount or more to ensure there are sufficient funds available to cover tips or incidental expenses incurred. All transactions relating to hotels or car rentals may result in a hold for that amount of funds up to thirty (30) days. If you use your Card to make a telephone call, you may be required to have a minimum available balance of greater than $15.00. If you use your Card number without presenting your Card (such as for a mail order, telephone, or internet purchase), the legal effect will be the same as if you used the Card itself. For security reasons, we may limit the amount or number of transactions you can make on your Card. Your Card cannot be redeemed for cash. You will not use your Card for online gambling or any illegal transaction. Each time you use your Card, you authorize us to reduce the value available in your Card Account by the amount of the transaction Ingo Money Service Terms and any applicable fees. You are not allowed to exceed the available amount in your Card Account through an individual transaction or a series of transactions. Nevertheless, if a transaction exceeds the balance of the funds available on your Card, you shall remain fully liable to us for the amount of the transaction and any applicable fees. Except for Recurring Transactions (defined below), you do not have the right to stop payment on any purchase or payment transaction originated by use of your Card. If you authorize a transaction and then fail to make a purchase of that item as planned, the approval may result in a hold for that amount of funds for up to three (3) days. You may use your Card for any Recurring Transactions. "Recurring Transactions" are transactions that you authorize to have automatically charged to your Card each month or other specified period with or without any further action on your part. Examples of merchants that may use Recurring Transactions include wireless carriers, internet service providers, health clubs, insurance companies that automatically charge monthly premiums, and cable TV services. If you have pre-authorized a third party to deduct Recurring Transactions, you can stop any of these payments. To stop a payment, you must provide sufficient advance notice to the party that you authorized to debit your Card balance to allow that party to stop payment before the next payment is scheduled to be made. You may notify us by calling ▇▇▇-▇▇▇-Conditions at ▇▇▇▇▇://▇▇▇▇▇▇▇▇▇.▇▇▇/terms- conditions.html for limitations and complete details. Currently, these are the only methods that you can load your Card by check or writing to us at Cardholder Services PO Box 7235 Sioux Falls, SD 57117-7235. If you notify us orally by telephone, we may require you to provide a written confirmation within fourteen (14) days of your call. You must give us notice by any of these methods in time for us to receive your request three (3) business days or more before the payment is scheduled to be mademoney order.

Loading Your Card. You may add funds to your Card, called "value loading", at any time. Value will be "loaded" or added to the Card after it has been activated and the authenticity of the Card and/or "load" instruction has been verified. You can add ("reload") additional value to your Card in any of the following ways: (a) making a payment at your local Del Norte TruStone Financial Federal Credit Union branch; (b) direct deposit to the Card through an Automated Clearing House (“ACH”) funds transfer; or (c) visiting ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ or calling ▇▇▇-▇▇▇-▇▇▇▇ to initiate an ACH funds transfer from your designated funding account. A load or reload fee may apply for each load or reload. The minimum amount of the initial load and each reload transaction load is $50.00 10.00. The maximum amount of the initial cash load and each cash reload is $1,000.00 5,000 per transaction, with a total cumulative cash load/reload limit of $1,000.00 5,000 per day. The maximum amount of value that can reside on the Card at any time is $5,000.00 for Personalized Cards and $4,000.00 for Non-Personalized Cards5,000. The number of loads on a Non-Personalized Card is limited to four (4) 3 loads in 5 days, including the initial load. Personalized Cards have unlimited reload capabilities. We may increase or decrease these limits from time to time in our sole discretion without prior notice to you. We will limit the number of Cards provided to you. We reserve the right to accept or reject any request to load or reload value to the Card at our sole discretion. With the exception of reloads performed through direct deposit, the Card may only be reloaded by the Cardholder. AN UNAUTHORIZED USER MAY NOT RELOAD FUNDS TO THE CARD. The maximum amount that [You can be spent on your Card per day is $1,700.00. The maximum value of your Card is restricted to $5,000.00 for Personalized Cards and $4,000.00 for Non-Personalized Cardsreceive Automated Clearing House (“ACH”) direct deposits. You may use provide your Card Account number for these deposits, but you agree not to purchase or lease goods or services wherever, in most instances, Visa Debit cards are accepted as long as you do not exceed the value available on provide your Card Account. Some merchants do not allow cardholders Account number to conduct split transactions where you would use the Card as partial payment for goods and services and pay the remainder of the balance with another form of legal tenderthird parties to withdraw funds. If you wish are a party to conduct a split transaction and it is permitted an ACH entry, you agree to be bound by the merchant, you must tell rules and regulations of the merchant to charge only the exact amount of funds available on the Card to the Card. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping your Card, your Card is likely to be declined. If you use your Card at an automated fuel dispenser National Automated Clearing House Association ("pay at NACHA") Operating Rules and Guidelines (collectively, the pump"“NACHA Rules”), the merchant may preauthorize the transaction amount up to $74.00 or more, even if the purchase amount is less than $74.00. If your Card is declined, even though you have sufficient funds available, pay for your purchase inside with the cashier. A preauthorization amount will place a "hold" on your available funds until the merchant sends us the final payment amount rules of your purchase. Once the final payment amount is received, the preauthorization amount on hold will be removed. It may take up to three (3) days for the hold to be removed. During the hold period, you will not have access to the preauthorized amount. Depending on your remaining balance, the preauthorization could cause another subsequent purchase to be declined. To avoid a declined purchase, or a hold greater than the actual purchase amount, pay for your gas inside with the cashier. If you use your Card at a restaurant, a hotel, for a car rental purchase, or for similar purchases, the merchant may preauthorize the transaction amount for the purchase amount plus up to 20% of the purchase amount or more to ensure there are sufficient funds available to cover tips or incidental expenses incurred. All transactions relating to hotels or car rentals may result in a hold for that amount of funds up to thirty (30) days. If you use your Card to make a telephone call, you may be required to have a minimum available balance of greater than $15.00. If you use your Card number without presenting your Card (such as for a mail order, telephone, or internet purchase), the legal effect will be the same as if you used the Card itself. For security reasons, we may limit the amount or number of transactions you can make on your Card. Your Card cannot be redeemed for cash. You will not use your Card for online gambling or any illegal transaction. Each time you use your Card, you authorize us to reduce the value available in your Card Account by the amount of the transaction and any applicable fees. You are not allowed to exceed the available amount in your Card Account through an individual transaction or a series of transactions. Nevertheless, if a transaction exceeds the balance of the funds available on your Card, you shall remain fully liable to us for the amount of the transaction and any applicable fees. Except for Recurring Transactions (defined below), you do not have the right to stop payment on any purchase or payment transaction originated by use of your Card. If you authorize a transaction and then fail to make a purchase of that item as planned, the approval may result in a hold for that amount of funds for up to three (3) days. You may use your Card for any Recurring Transactions. "Recurring Transactions" are transactions that you authorize to have automatically charged to your Card each month or other specified period with or without any further action on your part. Examples of merchants that may use Recurring Transactions include wireless carriers, internet service providers, health clubs, insurance companies that automatically charge monthly premiumslocal ACH, and cable TV services. If you have pre-authorized a third party to deduct Recurring Transactions, you can stop the rules of any of these payments. To stop a payment, you must provide sufficient advance notice to other system through which the party that you authorized to debit your Card balance to allow that party to stop payment before the next payment entry is scheduled to be made. You may notify us by calling ▇▇▇-▇▇▇-▇▇▇▇, or writing to us at Cardholder Services PO Box 7235 Sioux Falls, SD 57117-7235. If you notify us orally by telephone, we may require you to provide a written confirmation within fourteen (14) days of your call. You must give us notice by any of these methods in time for us to receive your request three (3) business days or more before the payment is scheduled to be made.

Loading Your Card. You may add funds to your Card, called "value loading", at any time. Value will be "loaded" or added to the Card after it has been activated and the authenticity of the Card and/or "load" instruction has been verified. You can add ("reload") additional value to your Card in any of the following ways: (a) making a payment at your local Del Norte MC Federal Credit Union branch; (b) direct deposit to the Card through an Automated Clearing House (“ACH”) funds transfertransfer and receive the funds up to 2 days early dependent on the timing of payer’s submission of ach deposit versus the scheduled payment date; or (c) visiting ▇▇▇.▇▇▇▇.▇▇▇ [internet address] or calling ▇▇▇-▇▇▇-▇▇▇▇ to initiate an ACH funds transfer from your designated funding account; d) transfer funds to your Card from an eligible checking or savings account held by you at a U.S. financial institution by means of using the Bank’s online banking system; or e) visit participating Visa ReadyLink merchants to reload, merchants reserve the right to charge a fee. Find a Visa ReadyLink merchant at: ▇▇▇▇▇://▇▇▇.▇▇▇▇.▇▇▇/pay-with-visa/cards/services-locator.html. A load or reload fee may apply for each load or reload. The minimum amount of the initial load and each reload transaction load is $50.00 20.00. The maximum amount of the initial cash load and each cash reload is $1,000.00 500 per transaction, with a total cumulative cash load/reload limit of $1,000.00 1500 per day7 days. The maximum amount of value that can reside on the Card at any time is $5,000.00 for Personalized Cards and $4,000.00 for Non-Personalized Cards5000. The number of loads on a Non-Personalized Card is limited to four (4) including the initial load. Personalized Cards have unlimited reload capabilities. We may increase or decrease these limits from time to time in our sole discretion without prior notice to you. We will limit the number of Cards provided to you. We reserve the right to accept or reject any request to load or reload value to the Card at our sole discretion. With the exception of reloads performed through direct deposit, the Card may only be reloaded by the Cardholder. AN UNAUTHORIZED USER MAY NOT RELOAD FUNDS TO THE CARD. The maximum amount that You can be spent on your Card per day is $1,700.00. The maximum value of your Card is restricted to $5,000.00 for Personalized Cards and $4,000.00 for Non-Personalized Cardsreceive Automated Clearing House (“ACH”) direct deposits. You may use provide your Card Account number for these deposits, but you agree not to purchase or lease goods or services wherever, in most instances, Visa Debit cards are accepted as long as you do not exceed the value available on provide your Card Account. Some merchants do not allow cardholders Account number to conduct split transactions where you would use the Card as partial payment for goods and services and pay the remainder of the balance with another form of legal tenderthird parties to withdraw funds. If you wish are a party to conduct a split transaction and it is permitted an ACH entry, you agree to be bound by the merchantrules and regulations of the National Automated Clearing House Association ("NACHA") Operating Rules and Guidelines (collectively, the “NACHA Rules”), the rules of any local ACH, and the rules of any other system through which the entry is made. You may also use the Mobile Cashed Check Load service offered by Ingo Money, Inc. (a third-party service provider) to load funds from eligible cashed checks to your Card using your mobile device. Even though we may allow use of the Mobile Cashed Check Load service to add money to your Card, we do not provide this service and are not responsible for any service-related issues. To use this service, you must tell to agree to the merchant terms and conditions the service provider establishes from time to time. Although we do not charge only any fees in connection with Mobile Cashed Check Loads, the exact amount of funds available service provider providing such service may charge a fee depending on the Card funding option you select. The terms and conditions, including the applicable fees, will be provided to you at the Cardtime you sign up for the service. You must then arrange to pay can sign up for this service by visiting ▇▇▇▇▇://▇▇▇.▇▇▇▇▇▇▇▇▇.▇▇▇. The service provider should notify you about any fees for a particular load before you authorize the difference using another payment methodload. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping your Card, your Card is likely to be declined. If you use your Card at an automated fuel dispenser ("pay at the pump"), the merchant may preauthorize the transaction amount up to $74.00 or more, even if the purchase amount is less than $74.00. If your Card is declined, even though you have sufficient funds available, pay for your purchase inside with the cashier. A preauthorization amount will place a "hold" on your available funds until the merchant sends us the final payment amount of your purchase. Once the final payment amount is received, the preauthorization amount on hold will be removed. It may take up to three (3) days for the hold to be removed. During the hold periodGenerally, you will not have access to the preauthorized amountmoney you load via the Mobile Cashed Check Load service until your check clears (this can take up to ten (10) business days). Depending on your remaining balance, the preauthorization could cause another subsequent purchase to be declined. To avoid a declined purchase, or a hold greater than the actual purchase amount, pay for your gas inside with the cashier. If you use your Card at a restaurant, a hotel, The service provider may offer immediate funds availability for a car rental purchase, or for similar purchases, fee. See the merchant may preauthorize the transaction amount for the purchase amount plus up to 20% of the purchase amount or more to ensure there are sufficient funds available to cover tips or incidental expenses incurred. All transactions relating to hotels or car rentals may result in a hold for that amount of funds up to thirty (30) days. If you use your Card to make a telephone call, you may be required to have a minimum available balance of greater than $15.00. If you use your Card number without presenting your Card (such as for a mail order, telephone, or internet purchase), the legal effect will be the same as if you used the Card itself. For security reasons, we may limit the amount or number of transactions you can make on your Card. Your Card cannot be redeemed for cash. You will not use your Card for online gambling or any illegal transaction. Each time you use your Card, you authorize us to reduce the value available in your Card Account by the amount of the transaction Ingo Money Service Terms and any applicable fees. You are not allowed to exceed the available amount in your Card Account through an individual transaction or a series of transactions. Nevertheless, if a transaction exceeds the balance of the funds available on your Card, you shall remain fully liable to us for the amount of the transaction and any applicable fees. Except for Recurring Transactions (defined below), you do not have the right to stop payment on any purchase or payment transaction originated by use of your Card. If you authorize a transaction and then fail to make a purchase of that item as planned, the approval may result in a hold for that amount of funds for up to three (3) days. You may use your Card for any Recurring Transactions. "Recurring Transactions" are transactions that you authorize to have automatically charged to your Card each month or other specified period with or without any further action on your part. Examples of merchants that may use Recurring Transactions include wireless carriers, internet service providers, health clubs, insurance companies that automatically charge monthly premiums, and cable TV services. If you have pre-authorized a third party to deduct Recurring Transactions, you can stop any of these payments. To stop a payment, you must provide sufficient advance notice to the party that you authorized to debit your Card balance to allow that party to stop payment before the next payment is scheduled to be made. You may notify us by calling ▇▇▇-▇▇▇-Conditions at ▇▇▇▇▇://▇▇▇▇▇▇▇▇▇.▇▇▇/terms-conditions.html for limitations and complete details. Currently, these are the only methods that you can load your Card by check or writing to us at Cardholder Services PO Box 7235 Sioux Falls, SD 57117-7235. If you notify us orally by telephone, we may require you to provide a written confirmation within fourteen (14) days of your call. You must give us notice by any of these methods in time for us to receive your request three (3) business days or more before the payment is scheduled to be mademoney order.

Loading Your Card. You may add not load additional funds to your Card, called "“value loading", at any time. Value will be "loaded" or added to the Card after it has been activated and the authenticity of the Card and/or "load" instruction has been verified. You can add ("reload") .” Only your ‘Program Sponsor” may load additional value funds to your Card in any of the following ways: (a) making a payment at your local Del Norte Credit Union branch; (b) direct deposit to the Card through an Automated Clearing House (“ACH”) funds transfer; or (c) visiting ▇▇▇.▇▇▇▇.▇▇▇ or calling ▇▇▇-▇▇▇-▇▇▇▇ to initiate an ACH funds transfer from your designated funding account. A load or reload fee may apply for each load or reloadCard. The minimum amount of the initial load and each reload transaction value load is $50.00 1.00. The maximum amount of the initial cash value load and is $7,500.00. The minimum amount of each cash value reload is $1,000.00 per transaction, with a total cumulative cash load/reload limit of $1,000.00 per day1.00. The maximum amount of each value that can reside on reload is $7,500.00. You will have access to your funds within twenty-four (24) hours of receiving the Card at any time is $5,000.00 for Personalized Cards and $4,000.00 for Non-Personalized Cards. The number of loads on a Non-Personalized Card is limited to four (4) including the initial load. Personalized Cards have unlimited reload capabilities. We may increase or decrease these limits loading file from time to time in our sole discretion without prior notice to you. We will limit the number of Cards provided to you. We reserve the right to accept or reject any request to load or reload value to the Card at our sole discretion. With the exception of reloads performed through direct deposit, the Card may only be reloaded by the Cardholder. AN UNAUTHORIZED USER MAY NOT RELOAD FUNDS TO THE CARD. The maximum amount that can be spent on your Card per day is $1,700.00. The maximum value of your Card is restricted to $5,000.00 for Personalized Cards and $4,000.00 for Non-Personalized CardsProgram Sponsor. You may use your Card to purchase or lease goods or services wherever, in most instances, wherever Visa Debit prepaid cards are accepted as long as you do not exceed the value available on your Card Account. Some merchants do not allow cardholders to conduct split transactions where whereby you would use the Card as partial payment for goods and services and pay paying the remainder of the balance with another form of legal tender. If you wish to conduct a split transaction and it is permitted by the merchant, you must tell the merchant to charge only the exact amount of funds available on the Card to the Card. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping your Card, your Card is likely to be declined. If you use your Card at an automated fuel dispenser ("pay at the pump"), the merchant may preauthorize the transaction amount up to $74.00 or more, even if the purchase amount is less than $74.00125.00. If your Card is declined, even though you have sufficient funds available, pay for your fuel purchase inside with the cashier. A preauthorization amount will place a "hold" on your available funds until the merchant sends us the final payment amount of your purchase. Once the final payment amount is received, the preauthorization amount on hold will be removed. It may take up to three (3) days for the hold to be removed. During the hold period, you will not have access to the preauthorized amount. Depending on your remaining balance, the preauthorization could cause another subsequent purchase to be declined. To avoid a declined purchase, or a hold greater than the actual purchase amount, pay for your gas inside with the cashier. If you use your Card at a restaurant, a hotel, for a car rental purchase, or for similar purchases, the merchant may preauthorize the transaction amount for the purchase amount plus up to 20% of the purchase amount or more 20 to ensure there are sufficient funds available to cover tips or incidental expenses incurred. All transactions relating to hotels or car rentals may result in a hold for that amount of funds up to thirty (30) days. If you use your Card to make a telephone call, you may be required to have a minimum available balance of greater than $15.00. If you use your Card number without presenting your Card (such as for a mail order, telephone, or internet Internet purchase), the legal effect will be the same as if you used the Card itself. For security reasons, we may limit the amount or number of transactions you can make on your Card. Your Card cannot be redeemed for cash. You will may not use your Card for online gambling or any illegal transaction. Each time you use your Card, you authorize us to reduce the value available in on your Card Account by the amount of the transaction and any applicable fees. You are not allowed to exceed the available amount in on your Card Account through an individual transaction or a series of transactions. Nevertheless, if a transaction exceeds the balance of the funds available on your Card, you shall remain fully liable to us for the amount of the transaction and any applicable fees. Except for Recurring Transactions (defined below), you You do not have the right to stop payment on any purchase or payment transaction originated by the use of your Card. You may not make preauthorized regular payments from your Card Account. If you authorize a transaction and then fail to make a purchase of that item as planned, the approval may result in a hold for that amount of funds for up to three thirty (330) days. You All transactions relating to car rentals may use your Card result in a hold for any Recurring Transactions. "Recurring Transactions" are transactions that you authorize amount of funds for up to have automatically charged to your Card each month or other specified period with or without any further action on your part. Examples of merchants that may use Recurring Transactions include wireless carriers, internet service providers, health clubs, insurance companies that automatically charge monthly premiums, and cable TV services. If you have pre-authorized a third party to deduct Recurring Transactions, you can stop any of these payments. To stop a payment, you must provide sufficient advance notice to the party that you authorized to debit your Card balance to allow that party to stop payment before the next payment is scheduled to be made. You may notify us by calling ▇▇▇-▇▇▇-▇▇▇▇, or writing to us at Cardholder Services PO Box 7235 Sioux Falls, SD 57117-7235. If you notify us orally by telephone, we may require you to provide a written confirmation within fourteen ninety (1490) days of your call. You must give us notice by any of these methods in time for us to receive your request three (3) business days or more before the payment is scheduled to be madedays.

Loading Your Card. You may add funds to your Card, called "value loading", at any time. Value will be "loaded" or added to the Card after it has been activated and the authenticity of the Card and/or "load" instruction has been verified. You can add ("reload") additional value to your Card in any of the following ways: (a) making a payment at your local Del Norte City & County Credit Union branch; (b) direct deposit to the Card through an Automated Clearing House (“ACH”) funds transfer; or transfer (c) visiting ▇▇▇.▇▇▇▇.▇▇▇ or calling ▇▇▇-▇▇▇-▇▇▇▇ to initiate an ACH funds transfer from your designated funding account; d) transfer funds to your Card from an eligible checking or savings account held by you at a U.S. financial institution by means of using the Bank’s online banking system. A load or reload fee may apply for each load or reload. The minimum amount of the initial load and each reload transaction load is $50.00 10. The maximum amount of the initial cash load and each cash reload is $1,000.00 5000 per transaction, with a total cumulative cash load/reload limit of $1,000.00 5000 per day. The maximum amount of value that can reside on the Card at any time is $5,000.00 for Personalized Cards and $4,000.00 for Non-Personalized Cards5000. The number of loads on a Non-Personalized Card is limited to four (4) including the initial load. Personalized Cards have unlimited reload capabilities. We may increase or decrease these limits from time to time in our sole discretion without prior notice to you. We will limit the number of Cards provided to you. We reserve the right to accept or reject any request to load or reload value to the Card at our sole discretion. With the exception of reloads performed through direct deposit, the Card may only be reloaded by the Cardholder. AN UNAUTHORIZED USER MAY NOT RELOAD FUNDS TO THE CARD. The maximum amount that You can be spent on your Card per day is $1,700.00. The maximum value of your Card is restricted to $5,000.00 for Personalized Cards and $4,000.00 for Non-Personalized Cardsreceive Automated Clearing House (“ACH”) direct deposits. You may use provide your Card Account number for these deposits, but you agree not to purchase or lease goods or services wherever, in most instances, Visa Debit cards are accepted as long as you do not exceed the value available on provide your Card Account. Some merchants do not allow cardholders Account number to conduct split transactions where you would use the Card as partial payment for goods and services and pay the remainder of the balance with another form of legal tenderthird parties to withdraw funds. If you wish are a party to conduct a split transaction and it is permitted an ACH entry, you agree to be bound by the merchant, you must tell rules and regulations of the merchant to charge only the exact amount of funds available on the Card to the Card. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping your Card, your Card is likely to be declined. If you use your Card at an automated fuel dispenser National Automated Clearing House Association ("pay at NACHA") Operating Rules and Guidelines (collectively, the pump"“NACHA Rules”), the merchant may preauthorize the transaction amount up to $74.00 or more, even if the purchase amount is less than $74.00. If your Card is declined, even though you have sufficient funds available, pay for your purchase inside with the cashier. A preauthorization amount will place a "hold" on your available funds until the merchant sends us the final payment amount rules of your purchase. Once the final payment amount is received, the preauthorization amount on hold will be removed. It may take up to three (3) days for the hold to be removed. During the hold period, you will not have access to the preauthorized amount. Depending on your remaining balance, the preauthorization could cause another subsequent purchase to be declined. To avoid a declined purchase, or a hold greater than the actual purchase amount, pay for your gas inside with the cashier. If you use your Card at a restaurant, a hotel, for a car rental purchase, or for similar purchases, the merchant may preauthorize the transaction amount for the purchase amount plus up to 20% of the purchase amount or more to ensure there are sufficient funds available to cover tips or incidental expenses incurred. All transactions relating to hotels or car rentals may result in a hold for that amount of funds up to thirty (30) days. If you use your Card to make a telephone call, you may be required to have a minimum available balance of greater than $15.00. If you use your Card number without presenting your Card (such as for a mail order, telephone, or internet purchase), the legal effect will be the same as if you used the Card itself. For security reasons, we may limit the amount or number of transactions you can make on your Card. Your Card cannot be redeemed for cash. You will not use your Card for online gambling or any illegal transaction. Each time you use your Card, you authorize us to reduce the value available in your Card Account by the amount of the transaction and any applicable fees. You are not allowed to exceed the available amount in your Card Account through an individual transaction or a series of transactions. Nevertheless, if a transaction exceeds the balance of the funds available on your Card, you shall remain fully liable to us for the amount of the transaction and any applicable fees. Except for Recurring Transactions (defined below), you do not have the right to stop payment on any purchase or payment transaction originated by use of your Card. If you authorize a transaction and then fail to make a purchase of that item as planned, the approval may result in a hold for that amount of funds for up to three (3) days. You may use your Card for any Recurring Transactions. "Recurring Transactions" are transactions that you authorize to have automatically charged to your Card each month or other specified period with or without any further action on your part. Examples of merchants that may use Recurring Transactions include wireless carriers, internet service providers, health clubs, insurance companies that automatically charge monthly premiumslocal ACH, and cable TV services. If you have pre-authorized a third party to deduct Recurring Transactions, you can stop the rules of any of these payments. To stop a payment, you must provide sufficient advance notice to other system through which the party that you authorized to debit your Card balance to allow that party to stop payment before the next payment entry is scheduled to be made. You may notify us by calling ▇▇▇-▇▇▇-▇▇▇▇, or writing to us at Cardholder Services PO Box 7235 Sioux Falls, SD 57117-7235. If you notify us orally by telephone, we may require you to provide a written confirmation within fourteen (14) days of your call. You must give us notice by any of these methods in time for us to receive your request three (3) business days or more before the payment is scheduled to be made.