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Similarly, the liability limits applicable to this Card may be different from those applicable to a debit card issued by your Depository Bank. For example, if you use this Card to make a purchase that exceeds the balance in the deposit account that you linked to this Card, that account may become overdrawn even if you chose not to allow overdrafts with respect to a debit card issued by your Depository Bank, and you may incur associated overdraft fees. The terms, benefits, and protections associated with your Card may vary from those that apply to a debit card issued by your Depository Bank. It is not issued by the financial institution that maintains the deposit account that you have linked to your Card (“Depository Bank”). This Card is issued by Target Corporation. You agree that any EFT may occur several business days after your transaction(s) have occurred and after the date shown on your transaction receipt(s). Even if you do not enter your Target Debit Card PIN to make a purchase, you still authorize any such EFT and the terms and conditions of this Agreement apply to any such EFT.

For example, we may not require you to enter your Target Debit Card PIN if you have already provided a separate PIN to access your Card in a mobile wallet that we accept. There may be circumstances when we will not require you to enter your Target Debit Card PIN to make a purchase if you authorize the purchase using another method. You agree that you understand the nature and importance of your Card and PIN and you will safeguard your Card and all PINs to prevent against unauthorized use.

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In this Agreement, “PIN” refers to the personal identification number associated with your Card and any other personal identification number you use to authorize a purchase using the Target Debit Card, including any PIN or password that you use to access any mobile wallet where you store your Target Debit Card number. You also authorize and agree to pay for all EFTs made by anyone you allow to use the Card. If you have designated an Authorized User to us, you agree to be individually responsible for all EFTs made by your Authorized User. You also represent and warrant to us that your Deposit Account is held at a bank located in the United States. All EFTs will be made by Automated Clearing House ('ACH') transfers.

You represent and warrant to us that you are an owner of your Deposit Account and you are authorized to make EFTs to and from your Deposit Account.

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By using your Card, you authorize us to initiate an electronic fund transfer ('EFT') for the full amount of the transaction and any related fees from your designated deposit account at another financial institution ('Deposit Account').