Debit Card Agreement

Set forth below are specific agreements by you pertaining to your use of the Addition Financial Debit Card (hereinafter collectively “Debit Card”). Any use of the Debit Card confirms your acceptance of the terms and conditions of this agreement. If you have a joint account, both of you are bound by this agreement and each of you are responsible for payment of the entire amounts which may become due and we can enforce this agreement against any of you individually or all of you together. This agreement applies only to the account(s) designated for use in connection with your Debit Card, and is in addition to any other agreements pertaining to such account. Your use of the Debit Card, and your rights and obligations associated therewith, are also subject to all matters contained in the following provisions regarding Electronic Fund Transfers Your Rights and Responsibilities.

When you use your Debit Card, or permit someone else to use it, for a purchase or cash advance, you authorize us to charge your designated share draft account for the entire amount involved.

Although there will be no separate fees for Debit Card transactions, each Debit Card transaction may be treated like a share draft for purposes of computing any applicable charges for the designated share account as set forth on the separate ADDITION FINANCIAL FEE SCHEDULE. The Credit Union retains the right, however, to impose a minimum balance requirement and/or per transaction or other fees for Debit Card transactions.

Since the Debit Card transactions result in direct charges to the designated share draft account, there are no stop payment privileges in connection with your use of the Debit Card.

If you are entitled to receive a refund from a merchant for a purchase made with your Debit Card, you will not receive cash but, instead, your Debit Card will be used again by the merchant to make a credit to your share draft account.

We are not responsible for the refusal of anyone to honor your Debit Card.

Either you or we may terminate this Agreement as to any card and revoke the card at any time. You shall be relieved of liability as to any transactions occurring after such termination, but such termination shall not affect any liability you have with respect to transactions initiated before such termination. Upon any such termination the Debit Card shall be returned to the Credit Union.

We may amend this agreement, or any of the terms applicable to your use of the Debit Card, in any respect and at any time by giving you written notice. If any such change would result in increased fees for you, increased liability to you, fewer types of transfers available to you, or stricter limitations on the frequency or dollar amounts of transfers available to you, you will be given at least twenty-one (21) days prior notice of any such change. However, if an immediate change in terms or conditions is necessary to maintain or restore the security of your designated share draft account or the Debit Card system, such change may be made without prior notice to you. If we make such a change for security reasons, and such change is permanent and disclosure thereof would not jeopardize the security of the account or system, we will notify you in writing on or with the next regularly scheduled periodic statement or within thirty (30) days of making such change permanent.

This agreement is intended to be enforced to the full extent of applicable law. However, if any provision of this agreement would be unlawful, such provision shall be deemed stricken, or this agreement deemed amended, to the extent necessary to conform to such law, and the rest of this agreement will remain in full force and effect, except as modified by such stricken or amended provision.

Depending upon the type of Debit Card you have chosen, special usage programs may be associated with your Debit Card. At our discretion, we have the right to make contributions to educational foundations, Florida environmental charities and other organizations based upon your usage of the card. The amount and type of donation are controlled exclusively by Addition Financial and the donations will be made on behalf of Addition Financial and the membership. We may also, from time to time, issue rewards with certain Debit Cards. If rewards are available, the terms of same shall be available upon request.

Our Debit Cards have an international security block to help prevent against fraud. If planning to travel outside the United States and you will be using your Addition Financial Debit Card please call the Contact Center at (407) 896-9411 or (800) 771-9411 outside Orlando, within 2 weeks prior to your trip and ask for the block to be temporarily removed.

All terms and conditions applicable to the designated share draft account remain in full force and effect, except as to those transactions or matters which are specifically covered by this agreement.