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MARSH CREDIT UNION

VISA� DEBIT CARDS

The Marsh Credit Union Debit Card will work like a check everywhere Visa� Cards are accepted allowing you to access your draft account without a checkbook and make purchases at any of over 10 million merchant locations in more than 199 countries and territories worldwide. You will also be able to obtain cash at any of over 362,000 Visa� member branches and well over 110,000 Visa� ATM's in more than 53 countries.
The cumbersome check writing and approval process is eliminated and concerns about cash loss and theft are greatly reduced. Yet, no new procedures or technology are necessary for cardholders already familiar with VISA�. Use it like a credit card, yet debit your draft account immediately. Whether you're shopping at stores, purchasing over the phone, or dining out, soon you'll be able to pay from your draft account the easy way.

Here are some pointers for using your new Visa Debit Card, which will enable you to use your card with greater ease and efficiency:

1. When you receive your Debit Card and PIN in the mail, make sure to store them separately to help prevent someone else from illegally accessing your account.

2. Remember to call the 1-800 number to activate your card before you use it at a merchant's office, over the phone, on the internet, etc.

3. Make sure you sign the back of the card, this is meant to help keep fraudulent activity from happening.

REASONS FOR DECLINE

4. When using your card at the gas pump, it will only give you authorization if you have an account balance of $40.00 or more.

5. Keep in mind that when you use the Debit Card at a restaurant or hotel, the server/clerk may send an authorization through for a larger amount than you suspect due to the expectation of a tip, room service, phone bill, etc.

6. The Credit Union updates account balances twice a day during the week, but on the weekends the balance reflects the same amount as Friday's transmission.

7. The card keeps track of all the authorizations that take place for a specific length of time. Even though the transaction may not have cleared your account, if you have reached the designated spending limits* or your account balance, the Debit Card knows not to authorize any more transactions.

*DESIGNATED SPENDING LIMITS: Signature authorizations (Credit) have a daily limit of $1500.00, account balance permitting.

PIN authorization (Debit) such as ATM withdrawals have a daily limit of $200.00, account balance permitting.

IF YOU HAVE ANY QUESTIONS ABOUT YOUR NEW DEBIT CARD OR WOULD LIKE MORE INFORMATION ON HOW THEY WORK, CALL THE CREDIT UNION.

VISA DEBIT CARD APPLICATION

Marsh Employees Federal Credit Union

8980 Technology Drive, Fishers, In 46038

Phone: (317) 577-8555 Fax: (317) 577-8561

___________________ APPLICANT'S NAME

__________________ 2ND APPLICANT'S NAME

___________________ MEMBERSHIP #

___________________ SOCIAL SECURITY #

_____/_____/_____ BIRTHDATE

__________________ SOCIAL SECURITY #

_____/_____/_____ BIRTHDATE

_________________ DRIVER'S LICENSE #

______________________________________________________ STREET ADDRESS

_____________________ CITY

______ STATE

______________ ZIP

______________ PHONE

I HEREBY REQUEST THAT A MARSH EMPLOYEES FEDERAL CREDIT UNION DEBIT CARD BE ISSUED IN MY NAME ALONG WITH A SECRET IDENTIFICATION NUMBER (PIN). I AGREE THE RETENTION OR USE OF SUCH CARD(S) AND PIN(S) SHALL BE GOVERNED BY TERMS AND CONDITIONS OF THE MARSH EFCU DEBIT CARDHOLDER AGREEMENT TO BE FURNISHED UPON ISSUANCE. A CONSUMER CREDIT REPORT MAY BE REQUESTED IN CONNECTION WITH THIS APPLICATION AND THE CREDIT UNION IS RELYING ON ALL STATEMENTS MADE TO BE TRUE AND CORRECT. BY SIGNING BELOW YOU AGREE TO THE TERMS AND CONDITIONS OF THE CREDIT UNION'S STATEMENTS LISTED ABOVE.

_____________________________________ APPLICANT'S NAME

_____/_____/_____ DATE

_____________________________________ 2ND APPLICANT'S NAME

_____/_____/_____ DATE