You may use your Card using your four (4) digit PIN which is required for each transaction. You assume responsibility for all transactions arising from use of the Card by any person you have authorized or otherwise permitted to do so. The PIN is your Personal Identification Number. Communicating your PIN to any individual constitutes your authorization of that individual for unlimited use of your card. Never communicate your PIN by voice or in writing. Only provide your PIN to established merchants by keystroke into a secure electronic system. If you have authorized another person to use the Card in any manner, that authorization shall be deemed to include the authorization to make withdrawals or transfers of funds from your Account, and such authorization shall be deemed to continue until you have taken all steps necessary to revoke it by preventing such use by that person and contacting us.

Treat your Card like cash. If you lose your card you may obtain a replacement card for a fee, but you must provide your card number and PIN.

The Card and associated EFT services are made available for your convenience and, except to the extent provided by applicable law, we will not be liable for the unavailability of or failure to operate all or any part of the EFT services system, including any ATM terminal, POS terminal, card authorization terminal or other link in the authorization system. We will also not be liable for the refusal of any ATM service provider or merchant or bank to honor a Card. Card Issuer will not be liable for any personal injury or tangible property damage suffered or incurred by you through use or attempted use of your Card. Your rights relating to refunds and returned merchandise are the same as when you pay cash or check. You must resolve issues of this type directly with the merchant. It is the merchants own policy on refunds and returns that governs these transactions.

All transactions arising from the authorized use of the Card shall be subject to and controlled by the terms of all applicable Account agreements and other contractual relationships with us and all applicable rules and regulations, as amended from time to time.

You acknowledge and agree that the Card has been provided to you in connection with the Card Program. Except as otherwise may be prohibited by any law, rules or regulations, you agree that Card Issuer is solely responsible for any and all aspects of the Card Program and you agree to hold Bank and its representatives harmless from any claim arising out of your receipt of the Card and the Card Program administered by Card Issuer.

Use of the Account
The Card is intended for use for PIN-based merchant and ATM transactions only, and therefore no checks can or will be obtained by you in connection with the card. You agree the Account will be debited for all purchases made, services rendered, and cash withdrawals, together with any fees and charges attributable thereto. You understand and agree that you are liable for all transactions made on your Account, including all transactions made by any authorized user.

Amendment and Termination
We reserve the right to amend and modify this Agreement. Any amendment or modification shall become effective on the date specified therein. Unless prohibited by applicable law, changes will apply to existing balances as well as to new balances.

We may terminate this Agreement and/or cancel the card at any time without notice for suspicion of fraudulent use. Use of the Card after notice of its expiration or cancellation is fraudulent and will subject you to legal proceedings.

Fees
The schedule of Fees associated with the use of this card has been provided to you separate of this agreement.

Restrictions on Card Transactions
When making a merchant purchase and/or ATM transaction, you authorize us to debit from your designated account the total amount of the transaction as shown on any sales draft or withdrawal order plus any applicable fees originated by use of your Card, whether or not signed by you.

Error Resolution
In case of questions about your account call customer card service.

Disclosure of Account Information to Third Parties
We will not disclose information to third parties about your Account or the transfers/transactions that you make except in the following circumstances:

i. Where it is necessary for completing the merchant or ATM
transfer/transaction; or
ii. in order to verify the existence and condition of your
account for a third party, such as a merchant; or
iii. in order to comply with government agency or court orders;
or
iv. if we, in good faith, believe you have given us your written
permission; or
v. in the investigation of alleged fraudulent activity concerning
your Account; or
vi. in the prosecution of alleged fraudulent activity concerning
your Account.

Your Liability for Unauthorized Transfers
You assume responsibility for all transactions arising from use of the Card by any person you have authorized or otherwise permitted to do so. The PIN is your Personal Identification Number. Communicating your PIN to any individual constitutes your authorization of that individual for unlimited use of your card. Never communicate your PIN by voice or in writing. Only provide your PIN to established merchants by keystroke into a secure electronic system. If you have authorized another person to use the Card in any manner, that authorization shall be deemed to include the authorization to make withdrawals or transfers of funds from your Account, and such authorization shall be deemed to continue until you have taken all steps necessary to revoke it by preventing such use by that person and contacting us.

Disclosure of Our Liability for Failure to Make Transfers
If we do not complete a valid transfer/transaction to or from your Account on time or in the correct amount according to our Account agreement with you (including all rules and regulations governing your Account), we will be liable for all losses not to exceed the amount of the transfer/transaction. However, there are exceptions. We will not be liable if,

i. circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken; or
ii. the access terminal or system is not working properly due to normal maintenance activities or malfunction; or
iii. the system was not working properly and you know that the system was not working properly before you started the transaction; or
iv. there is an allegation of fraudulent activity concerning the Account; or
v. other rules, regulations or agreements of the Bank so provide.
There may be other exceptions than those previously discussed that are also stated in our agreement with you.

General Account Disclosures
If we are served with any legal process which affects the Account, we may without liability suspend payment on the Account and any other account which we believe to be affected thereby until final determination of such legal proceeding or appropriate resolution of the adverse claim, even though the suspension of payment may have been due to inadvertence, error on the Account or similarity of names of the Account owner. We shall not be liable for your damages by reason thereof, providing we have acted in good faith.

Our determination of your Account balance may be made by a single determination at any time from presentment to the time we are required to make the determination.