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©1999-2006 Bay-Vanguard. All Rights Reserved.

Customer has the right to terminate this agreement at any time either by notifying Bay-Vanguard in writing or by surrendering his/her card to any branch office.

1. The cardholder agrees that he/she will be the only authorized user of the Visa Debit card. The cardholder also agrees that he/she will not divulge his/her Personal Identification Number (PIN) to anyone. The cardholder agrees not to withdraw more than his/her available balance, not to exceed $500/day. The cardholder's liability for unauthorized withdrawals and other rights and responsibilities of the cardholder are explained in the Electronic Funds Transfer Disclosure Statement. The cardholder agrees to report immediately any loss, theft, or unauthorized use of this card. The Bay-Vanguard Federal Visa Debit card is the property of Bay-Vanguard and may be revoked at any time. The cardholder agrees that the Visa Debit card may be confiscated by the machine at any time. Card transactions are governed by this agreement and terms that apply to any account affected by such transactions, including agreements, charter, accounts, bylaws, rules and regulations, as well as any applicable laws. Bay-Vanguard makes no claims or warranties with respect to the equipment or the system, and the Bank shall not be liable for any failure or malfunction of the equipment or system, except as specifically provided by law. Member will examine his/her periodic statements from the Bank promptly and report any errors. Cash withdrawals made pursuant to the Visa Debit card shall be evidenced solely by a document created electronically at the time of withdrawal, and customer agrees that a cash withdrawal will constitute a valid charge against his/her account. Customer should retain all receipts generated by the ATM equipment as to help settle any disputes involving a specific transaction. Any account which has Visa Debit card(s) issued to it cannot be closed out unless all Visa Debit card(s) with access to that account are surrendered.
2. If you fail in three (3) attempts to enter your correct Personal Identification Number (PIN) into the ATM machine, your card will be confiscated.