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 ▇▇▇▇▇▇▇ Federal Credit Union branch; (b) direct deposit to the Card through an Automated Clearing House (“ACH”) funds transfer 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; (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; 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 $10.00. The maximum amount of the initial cash load and each cash reload is $2500.00 per transaction, with a total cumulative cash load/reload limit of $2500.00 per day. The maximum amount of value that can reside on the Card at any time is $2500.00. 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 reloads performed through direct deposit, the Card may only be reloaded by the Cardholder. AN UNAUTHORIZED USER MAY NOT RELOAD FUNDS TO THE CARD. You can receive Automated Clearing House (“ACH”) direct deposits. You may provide your Card Account number for these deposits, but you agree not to provide your Card Account number to third parties to withdraw funds. If you are a party to an ACH entry, you agree to be bound by the rules 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 agree to the terms and conditions the service provider establishes from time to time. Although we do not charge any fees in connection with Mobile Cashed Check Loads, the service provider providing such service may charge a fee depending on the funding option you select. The terms and conditions, including the applicable fees, will be provided to you at the time you sign up for the service. You 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 load. Generally, you will not have access to the money you load via the Mobile Cashed Check Load service until your check clears (this can take up to ten (10) business days). The service provider may offer immediate funds availability for a fee. See the Ingo Money Service Terms and 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 money 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 ▇▇▇▇▇▇▇ Hawaiian Financial Federal Credit Union branch; (b) direct deposit to the Card through an Automated Clearing House (“ACH”) funds transfer 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(For Personalized Cards only); or (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; 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 $10.0050.00. The maximum amount of the initial cash load and each cash reload is $2500.00 5,000.00 per transaction, with a total cumulative cash load/reload limit of $2500.00 5,000.00 per day. The maximum amount of value that can reside on the Card at any time is $2500.005,000.00. The number of loads on a Non-Personalized Card is limited to four (4) 4 including the initial load. Personalized Cards have unlimited reload capabilitiescapabilities and may utilize Automated-Clearing House direct deposits only to the extent set forth below. 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. You For Personalized Cards only you can receive Automated Clearing House (“ACH”) direct deposits. You may provide your Card Account number for these deposits, but you agree not to provide your Card Account number to third parties to withdraw funds. If you are a party to an ACH entry, you agree to be bound by the rules 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. Non-Personalized Cards cannot accept or utilize ACH direct deposits. The maximum amount that can be spent on your Card per day is $5,000.00. The maximum value of your Card is restricted to $5,000.00. You may also 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 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 as partial payment for goods and services and pay the remainder of the Mobile Cashed Check Load service balance with another form of legal tender. If you wish to add money 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, we do not provide this service and are not responsible for any service-related issuesyour Card is likely to be declined. To If you use this service, you must agree to your Card at an automated fuel dispenser ("pay at the terms and conditions the service provider establishes from time to time. Although we do not charge any fees in connection with Mobile Cashed Check Loadspump"), the service provider providing such service merchant may charge preauthorize the transaction amount up to $99 or more, even if the purchase amount is less than $100. 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 fee depending "hold" on your available funds until the funding option you selectmerchant sends us the final payment amount of your purchase. The terms and conditionsOnce the final payment amount is received, including the applicable fees, preauthorization amount on hold will be provided removed. It may take up to you at the time you sign up three (3) days for the servicehold to be removed. You can sign up for this service by visiting ▇▇▇▇▇://▇▇▇.▇▇▇▇▇▇▇▇▇.▇▇▇. The service provider should notify you about any fees for a particular load before you authorize During the load. Generallyhold period, you will not have access to the money 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 load via use your Card at a restaurant, a hotel, for a car rental purchase, or for similar purchases, the Mobile Cashed Check Load service until your check clears (this can take merchant may preauthorize the transaction amount for the purchase amount plus up to ten 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 (1030) business days). The service provider Some hotels and car rental companies may offer immediate funds availability refuse to accept prepaid cards. You should inquire about a merchant’s policies prior to traveling. If you use your Card to make a telephone call, you may be required to have a minimum available balance of greater than $15. If you use your Card number without presenting your Card (such as for a feemail order, telephone, or internet purchase), the legal effect will be the same as if you used the Card itself. See For security reasons, we may limit the Ingo Money Service Terms 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 gambling, lotteries, betting, wagering 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 Conditions at 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 thirty (30) 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 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.▇▇▇/terms-conditions.html for limitations and complete details. Currently, these are the only methods that you can load your Card by check or money 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 (“reload”) to your Card in any of the following ways: (a) making a payment at your local ▇▇▇▇▇▇▇ Federal Credit Union branchone of our branches; (b) having a direct deposit to the Card through an Automated Clearing House (“ACH”) funds transfer and receive the funds up to 2 two (2) days early dependent on the timing of payer’s submission of ach ACH deposit versus the scheduled payment date; (c) logging into My Card Manager which can be accessed by visiting ▇▇▇▇▇://▇▇▇.▇▇▇▇.▇▇▇ ▇/prepaidcards and clicking on “Activate or Manage Prepaid Reloadable Card”; (d) calling ▇▇▇-▇▇▇-▇▇▇▇ to initiate an ACH funds transfer from your designated funding account; d(e) transfer transferring 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 our online banking system; or e(f) visit visiting participating Visa ReadyLink Mastercard rePower merchants to reload, . Mastercard rePower merchants reserve the right to charge a fee. Find a Visa ReadyLink Mastercard rePower merchant at: at ▇▇▇▇▇://▇▇▇.▇▇▇▇▇▇▇▇▇▇.▇▇▇/pay/en-withus/consumers/get-visasupport/cards/servicesreload-locator.htmla-prepaid- card.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 $10.0020.00. The maximum amount of the initial cash load and each cash reload is $2500.00 1,250.00 per transaction, with a total cumulative cash load/reload limit of $2500.00 5,000.00 per day. The maximum amount of value that can reside on the Card at any time is $2500.005,000.00. 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 reloads performed through direct deposit, the Card may only be reloaded by the Cardholder. AN UNAUTHORIZED USER MAY NOT RELOAD FUNDS TO THE CARD. You can receive Automated Clearing House (“ACH”) direct deposits. You may provide your Card Account number for these deposits, but you agree not to provide your Card Account number to third parties to withdraw funds. If you are a party to an ACH entry, you agree to be bound by the rules 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 agree to the terms and conditions the service provider establishes from time to time. Although we do not charge any fees in connection with Mobile Cashed Check Loads, the service provider providing such service may charge a fee depending on the funding option you select. The terms and conditions, including the applicable fees, will be provided to you at the time you sign up for the service. You 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 load. Generally, you will not have access to the money you load via the Mobile Cashed Check Load service until your check clears (this can take up to ten (10) business days). The service provider may offer immediate funds availability for a fee. See the Ingo Money Service Terms and 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 money 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 ▇▇▇▇▇▇▇ Hawaiian Financial Federal Credit Union branch; (b) direct deposit to the Card through an Automated Clearing House (“ACH”) funds transfer 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(For Personalized Cards only); or (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; 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 $10.0050.00. The maximum amount of the initial cash load and each cash reload is $2500.00 5,000.00 per transaction, with a total cumulative cash load/reload limit of $2500.00 5,000.00 per day. The maximum amount of value that can reside on the Card at any time is $2500.005,000.00. The number of loads on a Non-Personalized Card is limited to four (4) 4 including the initial load. Personalized Cards have unlimited reload capabilitiescapabilities and may utilize Automated-Clearing House direct deposits only to the extent set forth below. 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. You For Personalized Cards only you can receive Automated Clearing House (“ACH”) direct deposits. You may provide your Card Account number for these deposits, but you agree not to provide your Card Account number to third parties to withdraw funds. If you are a party to an ACH entry, you agree to be bound by the rules 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. Non-Personalized Cards cannot accept or utilize ACH direct deposits. The maximum amount that can be spent on your Card per day is $5,000.00. The maximum value of your Card is restricted to $5,000.00. You may also 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 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 as partial payment for goods and services and pay the remainder of the Mobile Cashed Check Load service balance with another form of legal tender. If you wish to add money 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, we do not provide this service and are not responsible for any service-related issuesyour Card is likely to be declined. To If you use this service, you must agree to your Card at an automated fuel dispenser ("pay at the terms and conditions the service provider establishes from time to time. Although we do not charge any fees in connection with Mobile Cashed Check Loadspump"), the service provider providing such service merchant may charge preauthorize the transaction amount up to $175 or more, even if the purchase amount is less than $100. 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 fee depending "hold" on your available funds until the funding option you selectmerchant sends us the final payment amount of your purchase. The terms and conditionsOnce the final payment amount is received, including the applicable fees, preauthorization amount on hold will be provided removed. It may take up to you at the time you sign up three (3) days for the servicehold to be removed. You can sign up for this service by visiting ▇▇▇▇▇://▇▇▇.▇▇▇▇▇▇▇▇▇.▇▇▇. The service provider should notify you about any fees for a particular load before you authorize During the load. Generallyhold period, you will not have access to the money 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 load via use your Card at a restaurant, a hotel, for a car rental purchase, or for similar purchases, the Mobile Cashed Check Load service until your check clears (this can take merchant may preauthorize the transaction amount for the purchase amount plus up to ten 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 (1030) business days). The service provider Some hotels and car rental companies may offer immediate funds availability refuse to accept prepaid cards. You should inquire about a merchant’s policies prior to traveling. If you use your Card to make a telephone call, you may be required to have a minimum available balance of greater than $15. If you use your Card number without presenting your Card (such as for a feemail order, telephone, or internet purchase), the legal effect will be the same as if you used the Card itself. See For security reasons, we may limit the Ingo Money Service Terms 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 gambling, lotteries, betting, wagering 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 Conditions at 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 thirty (30) 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 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.▇▇▇/terms-conditions.html for limitations and complete details. Currently, these are the only methods that you can load your Card by check or money 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 ▇▇▇▇▇▇▇ Federal Credit Union branch; (b) direct deposit to the Card through an Automated Clearing House (“ACH”) funds transfer 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; (c) visiting ▇▇▇.▇▇▇▇.▇▇▇ or calling ▇▇▇866-▇▇▇-▇▇▇▇ 901- 8090 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 $10.00. The maximum amount of the initial cash load and each cash reload is $2500.00 per transaction, with a total cumulative cash load/reload limit of $2500.00 per day. The maximum amount of value that can reside on the Card at any time is $2500.00. 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 reloads performed through direct deposit, the Card may only be reloaded by the Cardholder. AN UNAUTHORIZED USER MAY NOT RELOAD FUNDS TO THE CARD. You can receive Automated Clearing House (“ACH”) direct deposits. You may provide your Card Account number for these deposits, but you agree not to provide your Card Account number to third parties to withdraw funds. If you are a party to an ACH entry, you agree to be bound by the rules 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 agree to the terms and conditions the service provider establishes from time to time. Although we do not charge any fees in connection with Mobile Cashed Check Loads, the service provider providing such service may charge a fee depending on the funding option you select. The terms and conditions, including the applicable fees, will be provided to you at the time you sign up for the service. You 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 load. Generally, you will not have access to the money you load via the Mobile Cashed Check Load service until your check clears (this can take up to ten (10) business days). The service provider may offer immediate funds availability for a fee. See the Ingo Money Service Terms and Conditions at ▇▇▇▇▇://▇▇▇▇▇▇▇▇▇.▇▇▇/terms-/terms- conditions.html for limitations and complete details. Currently, these are the only methods that you can load your Card by check or money 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 ▇▇▇▇▇▇▇ Federal Credit Union branch; (b) direct deposit to the Card through an Automated Clearing House (“ACH”) funds transfer 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; (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 $10.0050.00. The maximum amount of the initial cash load and each cash reload is $2500.00 5000.00 per transaction, with a total cumulative cash load/reload limit of $2500.00 5000.00 per day. The maximum amount of value that can reside on the Card at any time is $2500.005000.00. 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 reloads performed through direct deposit, the Card may only be reloaded by the Cardholder. AN UNAUTHORIZED USER MAY NOT RELOAD FUNDS TO THE CARD. You can receive Automated Clearing House (“ACH”) direct deposits. You may provide your Card Account number for these deposits, but you agree not to provide your Card Account number to third parties to withdraw funds. If you are a party to an ACH entry, you agree to be bound by the rules 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 to agree to the terms and conditions the service provider establishes from time to time. Although we do not charge any fees in connection with Mobile Cashed Check Loads, the service provider providing such service may charge a fee depending on the funding option you select. The terms and conditions, including the applicable fees, will be provided to you at the time you sign up for the service. You 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 load. Generally, you will not have access to the money you load via the Mobile Cashed Check Load service until your check clears (this can take up to ten (10) business days). The service provider may offer immediate funds availability for a fee. See the Ingo Money Service Terms and 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 money 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 ▇▇▇▇▇▇▇ Democracy Federal Credit Union branch; (b) direct deposit to the Card through an Automated Clearing House (“ACH”) funds transfer 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; (c) visiting ▇▇▇.▇▇▇▇.▇▇▇ [internet address] or calling ▇▇▇-▇▇▇-▇▇▇▇ [telephone number] 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 $10.0025. The maximum amount of the initial cash load and each cash reload is $2500.00 3,000 per transaction, with a total cumulative cash load/reload limit of $2500.00 3,000 per day. The maximum amount of value that can reside on the Card at any time is $2500.003,000. The number of loads on a Non-Personalized Card is limited to four (4) 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. You can receive Automated Clearing House (“ACH”) direct deposits. You may provide your Card Account number for these deposits, but you agree not to provide your Card Account number to third parties to withdraw funds. If you are a party to an ACH entry, you agree to be bound by the rules 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 to agree to the terms and conditions the service provider establishes from time to time. Although we do not charge any fees in connection with Mobile Cashed Check Loads, the service provider providing such service may charge a fee depending on the funding option you select. The terms and conditions, including the applicable fees, will be provided to you at the time you sign up for the service. You 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 load. Generally, you will not have access to the money you load via the Mobile Cashed Check Load service until your check clears (this can take up to ten (10) business days). The service provider may offer immediate funds availability for a fee. See the Ingo Money Service Terms and 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 money order.