Keys Debit MasterCard® Information & Disclosure 305-294-6622 • KeysFCU.org

Introducing Keys Debit MasterCard® Q. What should I do if I lose my Debit entry from MasterCard. If Keys Federal Credit MasterCard? Union does not receive such final settlement, Use it to pay for purchases or as an ATM card A. Report it lost/stolen as you would a credit you are hereby notified and agree that Keys to your funds. It is accepted worldwide card call (866) 820-8771. Federal Credit Union is entitled to a refund by merchants that accept MasterCard and can of the amount credited to you in connection be used at any ATM bearing the STAR, AFFN, Disclosure for Electronic Funds Transfer with such entry and the party (i.e., the Accel, CULIANCE, and MasterCard logos. Services originator of the entry) making payment to These rules and regulations apply to any When you use our Debit MasterCard to pay for you shall not be deemed to have paid you in member of the Keys Federal Credit Union who purchases, merchants will treat the transaction the amount of such entry. contracts for one or more of the following the same way as they do a major . Electronic Fund Transfer (EFT) services: Telephone Number and Address to be The only difference is that the money is • Debit MasterCard or Automated Teller Notified in the Event of Unauthorized withdrawn from your checking account rather Machine (ATM) access for use at Keys Federal Transactions than charged to a credit card. You will receive Credit Union terminals, or anywhere your Debit If you believe that your PIN code is known a receipt for your records and your purchases MasterCard is honored. by an unauthorized person, or that someone will be detailed on your monthly checking • the direct deposit of periodic payments from has transferred or may transfer funds from account statement. So, for shopping at stores, persons other than Keys Federal Credit Union. your account without your permission, call over the phone, or dining out, pay the easy • a pre-authorized periodic deduction from (305) 294-6622, or write: way and use your Debit MasterCard. your account to a third party (other than Keys Federal Credit Union ATM transactions at Keys Federal Credit Keys Federal Credit Union), such as an 3022 N. Roosevelt Blvd. Union ATMs are free. ATM transactions at insurance payment. Key West, FL 33040. ATMs that are part of the Presto! Network, Consumer Liability for Unauthorized What Constitutes a Business Day owned and operated by Publix Supermarkets, Transactions and Disclosure of Advisability Our business days are Monday through are also free. A fee may be assessed for any of Prompt Reporting Friday. National and federal holidays are not withdrawal or balance inquiry at another bank Tell us AT ONCE if you believe your card considered business days. or credit union’s ATM. You may withdraw up has been lost or stolen or if you believe to $1,500 per day from an ATM and purchase Types of Transactions and Limits on your secret access code is known by an up to $2,500 per day in goods and services Transactions unauthorized person. Calling is the best at merchants. You may use your Debit MasterCard to: way to keep your losses to a minimum. You • withdraw cash from your checking account. Frequently Asked Questions could lose all of the money in your account if • make deposits to your savings and prompt notice is not given. Q. If a business won’t accept a check, will checking accounts at Keys Federal Credit they accept the Debit MasterCard? If you tell us within two (2) business days, Union and CULIANCE terminals. A. Yes. If the business accepts MasterCard you may lose no more than $50 if someone • make transfers between your savings and for payment, they will accept your Debit used your card or account without your checking accounts. • make balance inquiries on your savings MasterCard. permission. If you do not tell us within two (2) business days and we can prove we could and checking accounts. Q. If I overdraft my checking account with have stopped someone from using the card or • access your account to purchase goods my Debit MasterCard, will my Redi-Cash account without your permission if you had and services from merchants displaying the MasterCard logo. act as an overdraft protection? told us, you could lose as much as $500. A. If you have authorized us to use your At an ATM you may withdraw up to $1,500 Redi-Cash or as overdraft Also, if your statement of account shows in cash each day. When you make credit protection for your checking account, this Electronic Fund Transfer (EFT) transactions purchases your daily limit will be $2,500. protection will also apply automatically that you did not make, tell us at once. If you This is the aggregate of all purchases for a to transactions made with your new Debit do not tell us within sixty (60) days after the day. There is a limit of 15 Debit MasterCard MasterCard. Don’t have a Redi-Cash Line of statement was provided to you, you may not transactions in each 24 hour period. Credit for overdraft protection? Ask us for get back any money you lost after the sixty more information. (60) days if we can prove that we could have Direct Deposits and Automatic Payments stopped someone from taking the money if you Direct deposits to your accounts from a Q. Do I pay any interest or fees for had told us in time. If a good reason (such as third party or payments to a third party from purchases from merchants? a long trip or a hospital stay) kept you from your account may be made automatically if A. Keys Federal Credit Union does not charge telling us, we may extend the time periods. you have contracted with the third party for a fee for using your Debit MasterCard with a that service. signature. You will not be charged interest Provisional Payment Disclosure because the funds are deducted from your A credit given by Keys Federal Credit Union Notice to Members checking account. A fee may be charged if to you with respect to a Debit MasterCard Keys Federal Credit Union will honor your you use the card with your PIN at an ATM/ purchase is provisional until Keys Federal Debit MasterCard transactions processed by POS terminal. Credit Union receives final settlement for such the MasterCard network and other networks 1 Keys Debit MasterCard® Information & Disclosure 305-294-6622 • KeysFCU.org the same. Keys Federal Credit Union has you make a transaction using one of our credit your account within ten (10) business updated its Card Agreement terms to permit Automated Teller Machines. You will get a days for the amount you think is in error, non-Debit MasterCard transactions as follows: statement on your savings account at least so that you will have the use of the money annually. Checking accounts receive a monthly Non-Debit MasterCard Transactions during the time it takes us to complete our statement regardless of whether or not an EFT investigation. If we ask you to put your Some merchants may permit you to initiate transaction was made. debit and bill payment transactions with your complaint or question in writing and we do card using either the MasterCard network or Right to Stop Payment and Procedures for not receive it within ten (10) business days, another network shown on your card. Doing So we may not credit your account. For errors If you have told us in advance to make involving new accounts, point-of-sale or Signature-Based Transactions and Account periodic payments (including transfers) from foreign-initiated transactions, we may take Holds your accounts to a third party, you have up to ninety (90) days to investigate your Debit MasterCard transactions made without the right to stop any of these payments complaint or question. For new accounts, your PIN (i.e. you signed for the transaction, one time. We must receive verbal or written also known as a “credit” transaction) are notification at least three business days or we may take up to twenty (20) business authorized through the MasterCard network. more before the payment is scheduled to be days to credit your account for the amount These transactions are accepted or declined, made. To do this, call us at (305) 294-6622 you think is in error. We will tell you the based on the available balance in your or write to: Keys Federal Credit Union, 3022 results within three (3) business days after account and we will place a HOLD on your N. Roosevelt Blvd., Key West, FL 33040. completing our investigation. You may ask funds for that amount, until the debit for copies of the documents that we used in actually posts to your account, or up to a If you call, we may also require you to put our investigation. maximum of two (2) calendar days. Therefore your request in writing and get it to us within fourteen business (14) days after you call. these transactions immediately affect the Credit Union’s Liability for Failure to available balance in your account. If we do not receive the request within the fourteen (14) days, the verbal stop-payment Make Transactions Charges for Transactions or Right to Make order shall cease to be binding. If we do not complete a transaction to or Transactions from your account on time or in the correct There will be no charge by Keys Federal Liability for Failure to Stop Payment of amount according to our agreement with Credit Union for transactions made by our Pre-authorized Transactions you, we will be liable for your actual and If you order us to stop one of the payments members on any ATM owned by Keys Federal verifiable losses or damages. However, there Credit Union or that are part of the Presto! three (3) business days or more before the payment is scheduled to be made and we do are some exceptions. We will not be liable, Network. There is no charge for direct deposits for instance: of periodic payments from persons other than not do so, we will be liable for your actual • if, through no fault of ours, you do not Keys Federal Credit Union or for pre-authorized and verifiable losses or damages. have enough money in your account to deductions from your account to a third party In Case of Errors or Questions About make the transaction, or other than Keys Federal Credit Union. Should Transactions • if the where you use your Debit MasterCard at a location Notify us at once if you think your statement other than a Keys Federal Credit Union-owned or receipt is wrong or if you need more you are making the transaction does not terminal, you may be charged our current fee information about a transaction listed on the have enough money, or for that transaction. Merchants honoring your statement or receipt. We must hear from you • if the terminal was not working properly Debit MasterCard may also charge a fee. no later than sixty (60) days after we sent and you knew about the breakdown before you the FIRST statement on which the error Account Information to Third Parties you started the transaction, or or problem appeared. We will disclose information to third parties • if circumstances beyond our control (such about your account or the transfer you make: Call us at (305) 294-6622, or write to: Keys as fire, flood, or hurricane) prevent the • where it is necessary for completing Federal Credit Union, 3022 N. Roosevelt transaction, despite reasonable precautions transfers, or Blvd., Key West, FL 33040 and: that we have taken, or other exceptions • to verify the existence and condition of • tell us your name and account number. stated in our agreement with you. your account for a third party, such as a • describe the error or the transaction you credit bureau or a merchant, or are unsure about, and explain as clearly as International Service Assessment Fee • to comply with government agency or you can why you believe there is an error or The exchange rate for international court orders, summons, or subpoenas, or why you need more information. transactions will be a rate selected by • if you give written permission, or • tell us the dollar amount of the suspected error. MasterCard from the range of rates available • if any owner or signer on your account in wholesale currency markets, which may requests it. We will investigate your complaint within ten (10) days after hearing from you. If we need vary from the rate MasterCard itself receives, Right to Receive Documentation of more time, however, we may take up to forty- or the government mandated rate in effect Transactions five (45) days to investigate your complaint for the applicable central processing date, You can receive a receipt at the time or question. If we decide to do this, we will a 1% fee for international transactions. 2