CARD COMPLETE TERMS & CONDITIONS

Last Updated-January 2025

CONSUMER END USER

ONLINE TERMS AND CONDITIONS FOR SUMMIT FEDERAL CREDIT UNION Card Complete SERVICE

PLEASE CAREFULLY READ THESE TERMS AND CONDITIONS BEFORE ACCESSING, ACTIVATING OR OTHERWISE USING SUMMIT FEDERAL CREDIT UNION Card Complete. THIS AGREEMENT, TOGETHER WITH ALL UPDATES, ADDITIONAL TERMS, SOFTWARE LICENSES, THE PRIVACY POLICY AND ALL OF SUMMIT FEDERAL CREDIT UNION RELATED RULES AND POLICIES, COLLECTIVELY CONSTITUTE THE AGREEMENT BETWEEN YOU AND [LONG FI NAME] WITH RESPECT TO SUMMIT FEDERAL CREDIT UNION Card Complete. THIS AGREEMENT IS IN ADDITION TO OTHER AGREEMENTS AND DISCLOSURES THAT APPLY TO YOUR ACCOUNT(S). IF THERE IS A CONFLICT BETWEEN THIS AGREEMENT AND THE TERMS AND CONDITIONS OF ANY DISCLOSURES OR AGREEMENTS THAT SPECIFICALLY ADDRESS ONLINE SERVICES, THIS AGREEMENT WILL CONTROL IN RESOLVING THOSE INCONSISTENCIES AS IT RELATES TO THE SERVICE.

BY DOWNLOADING OR USING SUMMIT FEDERAL CREDIT UNION Card Complete, YOU ( YOU OR YOUR ) ARE INDICATING THAT YOU AGREE TO THE AGREEMENT. IF YOU DO NOT AGREE TO THE TERMS OF THIS AGREEMENT, DO NOT DOWNLOAD OR SUMMIT FEDERAL CREDIT UNION USE SUMMIT FEDERAL CREDIT UNION Card Complete.

ACKNOWLEDGEMENT: YOU ACKNOWLEDGE THAT THIS AGREEMENT IS EXECUTED BETWEEN THE INDIVIDUAL PERSON DOWNLOADING AND USING Card Complete AND SUMMIT FEDERAL CREDIT UNION. YOU REPRESENT AND WARRANT THAT YOU HAVE RIGHT, AUTHORITY, AND CAPACITY TO ENTER INTO THIS AGREEMENT.

I. SUMMIT FEDERAL CREDIT UNION Card Complete & SUMMIT FEDERAL CREDIT UNION

SUMMIT FEDERAL CREDIT UNION Card Complete is offered by SUMMIT FEDERAL CREDIT UNION (referred to herein as SUMMIT FEDERAL CREDIT UNION, (us), (we) or (our) for use by SUMMIT FEDERAL CREDIT UNION cardholders. SUMMIT FEDERAL CREDIT UNION Card Complete is intended to allow You to initiate certain payment card related activities for Your enrolled SUMMIT FEDERAL CREDIT UNION card(s) via SUMMIT FEDERAL CREDIT UNION Card Complete. Those activities may include the ability to:

Register the card

Activate and deactivate the card

Add the card to a device wallet (e.g., Apple Pay or Google Pay)

Set control preferences for card usage including location, transaction and merchant types, spend limits, and card on/off (Controls)

Set alert preferences for card usage including location, transaction and merchant types, spend limits, and declined purchases (Alerts)

View transaction history including cleansed and enriched merchant information (e.g., merchant name, address and contact information)

Report Your card as lost or stolen

Review Your spend by merchant type and/or by month

View a list of merchants storing Your card information for recurring or card-on-file payments

Without limiting the foregoing, SUMMIT FEDERAL CREDIT UNION offers their customers mobile access to their account information (e.g., for checking balances and last transactions) over SMS, as well as the option to set up alerts for their accounts (e.g., low balance alerts). Enrollment requires identification of the user(s) banking relationship as well as providing a mobile phone number. The mobile phone number(s) verification is done by the user receiving an SMS message with a verification code which they will have to enter on the website. Additionally, customers may select the type of alerts and other preferences which will determine, together with their account data, the frequency of alerts delivered to the customer. This program will be ongoing. Message & Data rates may apply. Customers will be allowed to opt out of this program at any time.

Questions: You can contact us at {888-243-2543}, We can answer any questions you have about the program.

Terms & Conditions: By participating in Mobile Banking, You are agreeing to the terms and conditions presented here.

Our participating carriers include (but are not limited to) AT&T, SprintPCS, T-Mobile®, U.S. Cellular®, Verizon Wireless, MetroPCS.

II. License Grant and Termination

Subject to Your compliance with this Agreement, You are hereby granted a personal, limited license (License) to download, install and use our mobile application for SUMMIT FEDERAL CREDIT UNION Card Complete on your mobile device. SUMMIT FEDERAL CREDIT UNION Card Complete is licensed, not sold, to You for use only under the terms of this Agreement. All rights not expressly granted to You are reserved. The License is non-transferable and non-exclusive. You may only use SUMMIT FEDERAL CREDIT UNION Card Complete on an approved and non-jailbroken mobile device that You own. You are not permitted to transfer the License in any form. You may not copy, decompile, reverse engineer, disassemble, attempt to derive source code of, modify, or create derivative works of SUMMIT FEDERAL CREDIT UNION Card Complete, or any updates or parts thereto, except with respect to any open source elements included with this SUMMIT FEDERAL CREDIT UNION Card Complete. If You breach these restrictions, You may be subject to prosecution and the award of damages. The terms of this Agreement will also govern any upgrades or modifications that replace or supplement the version of SUMMIT FEDERAL CREDIT UNION Card Complete You downloaded or used originally, unless such upgrade is accompanied by a separate agreement, in which case the terms of that agreement will govern.

This License is effective until terminated by SUMMIT FEDERAL CREDIT UNION or You, which either party may effectuate at any time, with or without advance notice. Once this License is terminated, You will no longer be entitled to use SUMMIT FEDERAL CREDIT UNION Card Complete, and You shall cease all use of SUMMIT FEDERAL CREDIT UNION Card Complete. You may voluntarily terminate your access to SUMMIT FEDERAL CREDIT UNION Card Complete and withdraw your consent to this Agreement by [calling us at a number listed at the end of this Agreement]. If You terminate Your access and/or withdraw Your consent to this Agreement, You will no longer have access to SUMMIT FEDERAL CREDIT UNION Card Complete. All applicable provisions of this Agreement shall survive termination including, without limitation, provisions related to intellectual property, warranty disclaimers, limitations of liability, and indemnification.

SUMMIT FEDERAL CREDIT UNION Card Complete may enable access to SUMMIT FEDERAL CREDIT UNION and third parties services and web sites, including GPS locator websites, such as Google. Use of such services may require internet access and that You accept additional terms and conditions applicable thereto, including, with respect to Google maps, those terms and conditions of use found at http://maps.google.com/help/terms_maps. Html and the Google Legal Notices found at https://www.google.com/help/legalnotices_maps/, or such other URLs as may be updated by Google. To the extent SUMMIT FEDERAL CREDIT UNION Card Complete allows You to access third party services, SUMMIT FEDERAL CREDIT UNION and those third parties, as applicable, reserve the right to change, suspend, remove, limit or disable access to any of those services at any time without notice and without liability to You.

III. Fees

You may owe fees for the use of SUMMIT FEDERAL CREDIT UNION Card Complete. Further, alerts and controls that You set through the use of SUMMIT FEDERAL CREDIT UNION Card Complete may continue to apply, and You may continue to be charged for them, even if you delete SUMMIT FEDERAL CREDIT UNION Card Complete or remove it from your mobile device.

IV. Our Communication with You

You agree to allow us to communicate with You via push notification, SMS and/or email, depending on the method You select with respect to the activities performed via SUMMIT FEDERAL CREDIT UNION Card Complete. If, at any time You wish to cease receipt of such communications, You may indicate such in (Settings). Data fees may be imposed by Your mobile provider for the transmission and receipt of messages and Alerts. SUMMIT FEDERAL CREDIT UNION reserves the right to send administrative and service notifications via emails and/or SMS messages to the email address and/or phone number provided upon enrollment in SUMMIT FEDERAL CREDIT UNION SUMMIT FEDERAL CREDIT UNION Card Complete. The number of SMS messages received under SUMMIT FEDERAL CREDIT UNION Card Complete will depend on several factors, including the triggers selected and the number of transactions that match such triggers.

V. Technology Requirements

In order for SMS communications to be sent to Your mobile device you must (i) own or be an authorized user of a two-way SMS-capable mobile device that is registered on a supported wireless carrier network, (ii) have elected a data plan that includes use of Your mobile device(s) SMS capabilities, and (iii) ensure that Your mobile account remains in good standing with Your wireless carrier. You are solely responsible for such charges and any other charges from Your wireless carrier. You should contact Your wireless carrier for complete pricing details. Biometric login is an optional biometric sign-in method for SUMMIT FEDERAL CREDIT UNION SUMMIT FEDERAL CREDIT UNION Card Complete that may be available for certain mobile devices that have a built-in biometric scanner. To use biometric login, you will need to first save your fingerprint/facial feature scan on your mobile device (for more help with biometric scanning, contact the manufacturer that supports your mobile device). Biometrics are stored on your device only and SUMMIT FEDERAL CREDIT UNION never sees or stores your biometric information. You acknowledge that by enabling biometric login, you will allow anyone who has biometric information stored on your device access to your personal and payment account information within SUMMIT FEDERAL CREDIT UNION SUMMIT FEDERAL CREDIT UNION Card Complete. SUMMIT FEDERAL CREDIT UNION reserves the right to suspend or disable this feature at any time. Biometric login can only be associated with one [SUMMIT FEDERAL CREDIT UNION Card Complete] username at a time on a device. If your device doesnt recognize your biometric information, you can sign in using your standard login credentials (e.g., password). To use biometric login for [SUMMIT FEDERAL CREDIT UNION Card Complete on multiple devices, you will need to set it up for each device. You can enable or disable biometric login anytime within SUMMIT FEDERAL CREDIT UNION [SUMMIT FEDERAL CREDIT UNION Card Complete].

VI. Availability/Interruption

You acknowledge that the actual time between occurrence of an event (Event) triggering a selected Control or Alert and the time the notification of such event is sent to Your mobile device (Notification) is dependent on a number of factors including, without limitation, Your wireless service and coverage within the area in which You are located at that time. You acknowledge that Notifications of Events may be delayed, experience delivery failures, or face other transmission problems. Similarly, selection of Controls and Alerts (collectively, Commands) are likewise affected by the same or similar factors and problems could arise with use of Commands. Notifications of Events may not be available to be sent to Your mobile device in all areas.

If You registered to receive Notification of Events at Your email address(es), please be sure that SUMMIT FEDERAL CREDIT UNION.com is a permitted domain in order to avoid the Notifications being filtered as spam. Email Notifications may be affected by Internet outages and other problems impacting the transmission and receipt of email messages.

If You registered to receive Notifications to Your mobile device, SUMMIT FEDERAL CREDIT UNION is available when You have Your mobile device within the operating range of a wireless carrier with an appropriate signal for data services. [SUMMIT FEDERAL CREDIT UNION Card Complete] is subject to transmission limitations and service interruptions. SUMMIT FEDERAL CREDIT UNION does not guarantee that [SUMMIT FEDERAL CREDIT UNION Card Complete] (or any portion thereof) will be available at all times or in all areas. You acknowledge and agree that certain functionality with [SUMMIT FEDERAL CREDIT UNION Card Complete] may not be available for all transactions. Commands based upon the location of the mobile device where [SUMMIT FEDERAL CREDIT UNION Card Complete] is installed or the location of the merchant where the card is being attempted for use may not apply appropriately to card-not-present transactions or transactions where the location of the actual location of the merchant differs from the merchant(s) registered address.

You acknowledge and agree that neither SUMMIT FEDERAL CREDIT UNION nor its third party services providers (including the developer of the technology enabling the Notifications) are responsible for performance degradation, interruption or delays due to conditions outside of its control. You acknowledge that neither SUMMIT FEDERAL CREDIT UNION nor its third party service providers shall be liable to You if You are unable to receive Notifications on Your mobile device in Your intended area. [SUMMIT FEDERAL CREDIT UNION Card Complete], for itself and its third party service providers, disclaims all liability for: any delays, mis-delivery, loss, or failure in the delivery of any Notification; any form of active or passive filtering; or insufficient space in Your email account(s) to receive email messages.

VII. Privacy and Security

[SUMMIT FEDERAL CREDIT UNION Card Complete] privacy policy describes how SUMMIT FEDERAL CREDIT UNION collects, protects, uses and shares Your personal information when You use [SUMMIT FEDERAL CREDIT UNION Card Complete]. Your enrollment in [SUMMIT FEDERAL CREDIT UNION Card Complete] will not be fulfilled if we cannot verify Your identity. You agree to provide current and complete information about Yourself and You agree not to misrepresent Your identity. This includes, but is not limited to, name, address, phone numbers, and email addresses. [Changes to the personal information you provide can be made online or by calling us at a number listed at the end of this Agreement]. Your use of [SUMMIT FEDERAL CREDIT UNION Card Complete] may be limited, suspended, or terminated if we cannot verify Your identity. Information you provide in connection with [SUMMIT FEDERAL CREDIT UNION Card Complete] will be stored on secure servers and protected by advanced encryption techniques. These commercially reasonable measures are intended to keep your important information secure and to prevent unauthorized access. Effective security, however, is dependent on your responsible behavior in protection your log-in credentials and controlling access to the devices that you use to access [SUMMIT FEDERAL CREDIT UNION Card Complete]. For the purposes of this Agreement, Log-in Credentials means your personal ID, password, and any other unique biometric attribute used to access.

VIII. Eligibility

[SUMMIT FEDERAL CREDIT UNION Card Complete] is only available to individuals who reside in the United States and are: (i) of legal age of majority in their state of residence (and at least 14 years of age); and (ii) are a SUMMIT FEDERAL CREDIT UNION cardholder in good standing and eligible for [SUMMIT FEDERAL CREDIT UNION Card Complete]. You represent and warrant that You meet the foregoing criteria of eligibility.

IX. Modifications to SUMMIT FEDERAL CREDIT UNION Card Complete

SUMMIT FEDERAL CREDIT UNION reserves the right at any time and from time to time to interrupt, restrict (without cause and without notice to You), modify or discontinue, temporarily or permanently, [SUMMIT FEDERAL CREDIT UNION Card Complete] (or any part thereof) with or without notice. You agree that neither SUMMIT FEDERAL CREDIT UNION nor its third party services providers shall be liable to You or to any third party for any modification, suspension or discontinuance of [SUMMIT FEDERAL CREDIT UNION Card Complete].

X. Limitations

No Warranties: TO THE FULLEST EXTENT ALLOWABLE BY APPLICABLE LAW, ALL MATERIALS, INFORMATION, PRODUCTS, DATA, SOFTWARE, AND SERVICES INCLUDED IN OR AVAILABLE THROUGH SUMMIT FEDERAL CREDIT UNION [SUMMIT FEDERAL CREDIT UNION Card Complete] ARE PROVIDED AS IS AND WITH ALL FAULTS FOR YOUR USE. SUMMIT FEDERAL CREDIT UNION AND ITS THIRD PARTY SERVICE PROVIDERS DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, AND SUMMIT FEDERAL CREDIT UNION AND ITS THIRD PARTY SERVICE PROVIDERS SPECIFICALLY DISCLAIM ANY IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT OF INTELLECTUAL PROPERTY RIGHTS. SUMMIT FEDERAL CREDIT UNION , ITS THIRD PARTY SERVICE PROVIDERS AND THEIR LICENSORS DO NOT WARRANT THAT [SUMMIT FEDERAL CREDIT UNION Card Complete] WILL BE UNINTERRUPTED, TIMELY, ACCURATE, RELIABLE, UPDATED, CORRECT OR SECURE; THAT [SUMMIT FEDERAL CREDIT UNION Card Complete] WILL BE AVAILABLE AT ANY PARTICULAR TIME OR LOCATION; THAT ANY DEFECTS OR ERRORS WILL BE CORRECTED; OR THAT [SUMMIT FEDERAL CREDIT UNION Card Complete] IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

Limitation of Liability: YOU ACKNOWLEDGE AND AGREE THAT FROM TIME TO TIME, [SUMMIT FEDERAL CREDIT UNION Card Complete] MAY BE DELAYED, INTERRUPTED OR DISRUPTED FOR AN INDETERMINATE AMOUNT OF TIME DUE TO CIRCUMSTANCES BEYONDSUMMIT FEDERAL CREDIT UNION (S) AND ITS THIRD PARTY SERVICE PROVIDER(S) REASONABLE CONTROL, INCLUDING BUT NOT LIMITED TO ANY INTERRUPTION, DISRUPTION OR FAILURE IN THE PROVISION OF THE [SERVICES], WHETHER CAUSED BY STRIKES, POWER FAILURES, EQUIPMENT MALFUNCTIONS, INTERNET DISRUPTION OR OTHER REASONS. IN NO EVENT SHALL SUMMIT FEDERAL CREDIT UNION, ITS THIRD PARTY SERVICE PROVIDERS OR THEIR AFFILIATES OR THE EMPLOYEES OR CONTRACTORS OF ANY OF THESE, BE LIABLE FOR ANY CLAIM ARISING FROM OR RELATED TO THE [SERVICES] THAT IS CAUSED BY OR ARISES OUT OF ANY SUCH DELAY, INTERRUPTION, DISRUPTION OR SIMILAR FAILURE. IN NO EVENT SHALL SUMMIT FEDERAL CREDIT UNION, ITS THIRD PARTY SERVICE PROVIDER OR THEIR AFFILIATES OR THE EMPLOYEES OR CONTRACTORS OF ANY OF THESE, BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, PUNITIVE OR EXEMPLARY DAMAGES, OR LOSS OF GOODWILL OR LOST PROFITS (EVEN IF ADVISED OF THE POSSIBILITY THEREOF) ARISING IN ANY WAY OUT OF THE INSTALLATION, USE, OR MAINTENANCE OF [SUMMIT FEDERAL CREDIT UNION Card Complete], EVEN IF SUCH DAMAGES WERE REASONABLY FORESEEABLE AND NOTICE WAS GIVEN REGARDING THEM. IN NO EVENT SHALL SUMMIT FEDERAL CREDIT UNION, ITS THIRD PARTY SERVICE PROVIDER OR THEIR AFFILIATES OR THE EMPLOYEES OR CONTRACTORS OF ANY OF THEM BE LIABLE FOR ANY CLAIM, ARISING FROM OR RELATED TO [SUMMIT FEDERAL CREDIT UNION Card Complete], THAT YOU DO NOT STATE IN WRITING IN A COMPLAINT FILED IN A COURT OR ARBITRATION PROCEEDING WITHIN TWO (2) YEARS OF THE DATE THAT THE EVENT GIVING RISE TO THE CLAIM OCCURRED. THESE LIMITATIONS WILL APPLY TO ALL CAUSES OF ACTION, WHETHER ARISING FROM BREACH OF CONTRACT, TORT OR ANY OTHER LEGAL THEORY. EACH OF [SUMMIT FEDERAL CREDIT UNION (S)] AND ITS THIRD PARTY SERVICE PROVIDER(S)AGGREGATE LIABILITY, AND THE AGGREGATE LIABILITY THEIR AFFILIATES AND THE EMPLOYEES AND CONTRACTORS OF EACH OF THESE, TO YOU AND ANY THIRD PARTY FOR ANY AND ALL CLAIMS OR OBLIGATIONS RELATING TO THIS AGREEMENT SHALL BE LIMITED TO DIRECT OUT OF POCKET DAMAGES UP TO A MAXIMUM OF $500 (FIVE HUNDRED DOLLARS). SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU.

XI. Indemnity:

You agree to indemnify and hold harmless SUMMIT FEDERAL CREDIT UNION, its third party service providers and their respective affiliates, officers, directors, employees and agents (collectively, the indemnified Parties) from any loss, liability, claim, or demand, including reasonable attorney(s) fees, made by any third party due to or arising out of Your use of the[SUMMIT FEDERAL CREDIT UNION Card Complete], including any use in violation of this Agreement and/or arising from a breach of this Agreement and/or any breach of Your representations and warranties set forth herein.

XII. Intellectual Property Rights:

As between You and [SUMMIT FEDERAL CREDIT UNION Card Complete], SUMMIT FEDERAL CREDIT UNION reserves all patent, copyright, trade secret, trade name, trademark, accompanying media or documentation, and other proprietary rights related to the [F Bank] [SUMMIT FEDERAL CREDIT UNION Card Complete], and You shall not infringe or violate such rights.

XIII. Dispute:

DISPUTE RESOLUTION

XIV. Legal Compliance:

You represent and warrant that (i) You are not located in a country that is subject to a U.S. Government embargo, or that has been designated by the U.S. Government as a terrorist supporting country; and (ii) You are not listed on any U.S. Government list of prohibited or restricted parties. You agree that neither [SUMMIT FEDERAL CREDIT UNION Card Complete], the accompanying documentation nor any direct product thereof is being or will be shipped, transferred or re-exported, directly or indirectly, into any country prohibited by the United States Export Administration Act and the regulations thereunder or will be used for any purpose prohibited by the Act.

XV. Miscellaneous:

Legal Notice:

You agree that SUMMIT FEDERAL CREDIT UNION may provide notices to You by posting it on a website associated with SUMMIT FEDERAL CREDIT UNION or [SUMMIT FEDERAL CREDIT UNION Card Complete], by sending You an in-product message, emailing it to an email address that You have provided previously, mailing it to any postal address that You have provided, or by sending it as an SMS to any mobile phone number that You have provided, including but not limited to the mobile phone number that you have listed in Your [SUMMIT FEDERAL CREDIT UNION Card Complete] setup or customer profile. All notices by any of these methods shall be deemed received by You no later than twenty-four (24) hours after they are sent or posted, except for notice by postal mail, which shall be deemed received by You no later than three (3) business days after it is mailed. Assignment: You may not assign this Agreement without SUMMIT FEDERAL CREDIT UNION prior written consent. Entire Agreement: This Agreement represents the entire agreement between You and us as it pertains to [SUMMIT FEDERAL CREDIT UNION Card Complete], which may only be amended as described in this Agreement. If any part of this Agreement is found invalid, the balance of the Agreement shall remain enforceable. SUMMIT FEDERAL CREDIT UNION may amend this Agreement at any time by posting a revised version here or on a website of SUMMIT FEDERAL CREDIT UNION. You may be required to affirmatively accept the revised Agreement in order to continue using [SUMMIT FEDERAL CREDIT UNION Card Complete].The revised version will be effective at the time it is posted unless a delayed effective date is expressly stated in the revision. Any use of [SUMMIT FEDERAL CREDIT UNION Card Complete] after a notice of change or after the posting of a revised version of this Agreement will constitute Your agreement to such changes and revised version. Further, SUMMIT FEDERAL CREDIT UNION may, from time to time, revise, update, upgrade or enhance [SUMMIT FEDERAL CREDIT UNION Card Complete] and/or related applications or material, which may render all such prior versions obsolete. Consequently, we reserve the right to terminate this Agreement as to all such prior versions of [SUMMIT FEDERAL CREDIT UNION Card Complete], and/or related applications and material, and limit access to only [SUMMIT FEDERAL CREDIT UNION Card Complete] more recent revisions, updates, upgrades or enhancements.

XVI. Contact Us:

If You have any questions about [SUMMIT FEDERAL CREDIT UNION Card Complete], please contact SUMMIT FEDERAL CREDIT UNION. If You have any questions about Your SUMMIT FEDERAL CREDIT UNION card or any transaction associated with Your SUMMIT FEDERAL CREDIT UNION card, please contact Your Issuer directly.