Common use of Consumer Liability Clause in Contracts

Consumer Liability. You will not be liable for an unauthorized use of your account through an electronic funds transfer unless we can prove that your negligence substantial- ly contributed to the unauthorized use and that we exercised reasonable care to prevent the loss. Tell us AT ONCE if you believe your Card or PIN has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within two business days after you learn of the loss or theft of your card or PIN, you can lose no more than $50.00 if someone used your Card or PIN without your permission. If you do NOT tell us within two business days after you learn of the loss or theft of your Card or PIN, and we can prove we could have stopped the unauthorized transactions if you had told us, you could lose as much as $500.00. Also, if your statement shows transfers that you did not make, including those made by Card, PIN or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have pre- vented the transactions if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.

Consumer Liability. You will not be liable for an unauthorized use of your account through (1) Tell us immediately if you are concerned that an electronic funds transfer unless we can prove that has been madewith information fromyourcheckwithout yourpermissions, or if your negligence substantial- ly contributed to the unauthorized use and that we exercised reasonable care to prevent the loss. Tell us AT ONCE if you believe your Card or Atmos card and/or PIN has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using . Contact us at the contact information from your check. Telephoning is listed at the beginning of this Agreement as the best way of keeping your possible losses down. You could lose all the money in your account Account (plus your maximum overdraft line of credit). If you tell us within two business days Business Days after you learn of the loss or theft of your card or PINand/or personal identification number, you can lose no more than $50.00 50 if someone used your Card or card and/or PIN without your permission. . (2) If you do NOT tell us within two business days Business Days after you learn of the loss or lossor theft of your Card or card and/or PIN, and we can prove we could wecan provewecould have stopped the unauthorized transactions if you had told someone from using your cardand/orpersonal identification numberwithoutyourpermission ifyou hadtold us, you could lose as much as $500.00. Also, 500. (3) Please tell us at once if your statement Statement shows transfers that you did not make, including those made thosemade by Cardcard, PIN or other means, tell us at once. If You may not get back any money you lost if you do not tell us within 60 days after the statement Statement was mailed to you, you may not get back any money you lost after the 60 days and if we can prove that we could have pre- vented thatwecould havestopped someone from taking the transactions if you money ifyou had told us in time. If . (4) Wewill extendthetimeperiods listed above if a good reason (such as a long trip or a hospital stay) kept you keptyou from telling us, we will extend the time periods.

Consumer Liability. You will not be liable for an unauthorized use of your account through an electronic funds transfer unless we can prove that your negligence substantial- ly contributed to the unauthorized use and that we exercised reasonable care to prevent the loss. Tell us AT ONCE if you believe your Card card, access code, password, or PIN has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within two business days (2) Business Days after you learn of the loss or theft of your card card, access code, or PIN, you can lose no more than $50.00 50 if someone used your Card card, access code, password, or PIN without your permission. If you do NOT tell us within two business days (2) Business Days after you learn of the loss or theft of your Card card, access code, password, or PIN, and we can prove we could have stopped the unauthorized transactions someone from using your card, access code, password, or PIN without your permission if you had told us, you could lose as much as $500.00500. Also, if your statement shows transfers that you did not make, including those made by Cardcard, PIN code or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have pre- vented stopped someone from taking the transactions money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If you believe your card, access code, password, or PIN has been lost or stolen, call us at: ▇-▇▇▇-▇▇▇-▇▇▇▇ or write us at: Commerce Bank, P.O. ▇▇▇ ▇▇▇▇▇▇, ▇▇▇▇▇ ▇▇▇▇▇, ▇▇ ▇▇▇▇▇. You should also call the number or write to the address listed above if you believe a transfer has been made using the information from your check without your permission.

Consumer Liability. You will not be liable for an unauthorized use of your account through an electronic funds transfer unless we can prove that your negligence substantial- ly contributed to the unauthorized use and that we exercised reasonable care to prevent the loss. Tell us AT ONCE if you believe your Card card, access code, password, or PIN has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within two (2) business days after you learn of the loss or theft of your card card, access code, or PIN, you can lose no more than $50.00 50 if someone used your Card card, access code, password, or PIN without your permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your Card card, access code, password, or PIN, and we can prove we could have stopped the unauthorized transactions someone from using your card, access code, password, or PIN without your permission if you had told us, you could lose as much as $500.00500. Also, if your statement shows transfers that you did not make, including those made by Cardcard, PIN code or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have pre- vented stopped someone from taking the transactions money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If you believe your card, access code, password, or PIN has been lost or stolen, call us at: ▇- ▇▇▇-▇▇▇-▇▇▇▇ or write us at: Commerce Bank, P.O. Box 411635, Creve Coeur, MO 63141. You should also call the number or write to the address listed above if you believe a transfer has been made using the information from your check without your permission.

Consumer Liability. You will not be liable for an unauthorized use of your account through (1) Tell us immediately if you are concerned that an electronic funds transfer unless we can prove that has been made with information from your negligence substantial- ly contributed to the unauthorized use and that we exercised reasonable care to prevent the loss. Tell us AT ONCE check without your permissions, or if you believe your Card or FSB card and/or PIN has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is Contact the Customer Contact Center at the phone number listed at the beginning of this Agreement as the best way of keeping your possible losses down. You could lose all the money in your account Account (plus your maximum overdraft overdrah line of credit). If you tell us within two business days after Business Days ▇▇▇▇ you learn of the loss or theft theh of your card or PINand/or personal identification number, you can lose no more than $50.00 50 if someone used your Card or card and/or PIN without your permission. . (2) If you do NOT tell us within two business days after Business Days ▇▇▇▇ you learn of the loss or theft theh of your Card or card and/or PIN, and we can prove we could have stopped the unauthorized transactions someone from using your card and/or personal identification number without your permission if you had told us, you could lose as much as $500.00. Also, 500. (3) Please tell us at once if your statement Statement shows transfers that you did not make, including those made by Cardcard, PIN or other means, tell us at once. If You may not get back any money you lost if you do not tell us within 60 days after ▇▇▇▇ the statement Statement was mailed to you, you may not get back any money you lost after the 60 days and if we can prove that we could have pre- vented stopped someone from taking the transactions money if you had told us in time. If . (4) We will extend the time periods listed above if a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.

Consumer Liability. You will not be liable for an unauthorized use of your account through an electronic funds transfer unless we can prove that your negligence substantial- ly contributed to the unauthorized use and that we exercised reasonable care to prevent the lossa) Generally. Tell us AT ONCE if you believe your Card or PIN card and/or code has been lost or stolen, stolen or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. You could lose all of the money in your account (plus your maximum overdraft line of credit). If you tell us within two business days after you learn of We will be liable for all unauthorized transfers unless the unauthorized transfer was due to the loss or theft of your card and/or code. If due to the loss or PINtheft of your card and/or code, and you notify us within 60 days of when the unauthorized transfer appears on the statement you can lose no more than $50.00 if someone used your Card or PIN card and/or code without your permission. If you do NOT tell notify us within two business 60 days after the unauthorized transfer appears on your statement, and we prove that we could have stopped someone from using your card and/or code without your permission if you learn had told us within 2 days of when you discover the loss or theft of your Card or PIN, and we can prove we could have stopped the unauthorized transactions if you had told uscard and/or code, you could lose as much as $500.00500.00 for unauthorized transfers that appear on the statement. Also, if your statement shows transfers that you did not make, including those made by Cardcard, PIN code or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have pre- vented stopped someone from taking the transactions money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periodsperiod.

Consumer Liability. You will not be liable for an unauthorized use of your account through an electronic funds transfer unless we can prove that your negligence substantial- ly contributed to the unauthorized use and that we exercised reasonable care to prevent the loss. Tell us AT ONCE if you believe your Card or PIN code has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit)account. If you tell us within two 2 business days after you learn of the loss or theft of your card or PINcode, you can lose no more than $50.00 50 if someone used your Card or PIN code without your permission. If you do NOT tell us within two 2 business days after you learn of the loss or theft of your Card or PINcode, and we can prove we could have stopped the unauthorized transactions someone from using your code without your permission if you had told us, you could lose as much as $500.00500. Also, if your statement shows transfers that you did not make, including those made by Cardcard, PIN code or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have pre- vented stopped someone from taking the transactions money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. Contact in event of unauthorized transfer. If you believe your code has been lost or stolen, call: ▇▇▇-▇▇▇-▇▇▇▇ or write: ▇▇▇▇▇ County Bank, P.O. Box 247, Waynesboro, TN 38485. You should also call the number or write to the address listed above if you believe a transfer has been made using the information from your check without your permission.

Consumer Liability. You will not be liable for an unauthorized use of your account through an electronic funds transfer unless we can prove that your negligence substantial- ly contributed to the unauthorized use and that we exercised reasonable care to prevent the lossGenerally. Tell us AT ONCE if you believe your Card or PIN card and/or code has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within two business days after you learn of the loss or theft of your card or PIN, you can lose no more than up to $50.00 50 if someone used your Card or PIN card and/or code without your permission. If you do NOT tell us within two business days after you learn of the loss or theft of your Card or PIN, and we can prove we could have stopped the unauthorized transactions if you had told us, you could lose as much as $500.00. Also, if your statement shows transfers that you did not make, including those made by Cardcard, PIN code or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any the money you lost (up to $50) after the 60 days if we can prove that we could have pre- vented stopped someone from taking the transactions money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periodsperiod. • Additional Limits on Liability for MasterMoneyTM Debit Card. You will not be liable for any unauthorized transactions using your MasterMoneyTM Debit Card if: (i) you can demonstrate that you have exercised reasonable care in safeguarding your card from the risk of loss or theft, and (ii) upon becoming aware of a loss or theft, you promptly report the loss or theft to us. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Consumer Liability. You will not be liable for an unauthorized use of your account through an electronic funds transfer unless we can prove that your negligence substantial- ly contributed to the unauthorized use and that we exercised reasonable care to prevent the lossGenerally. Tell us AT ONCE at one if you believe your Card or PIN Online Banking account has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your checkcompromised. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within two 2 business days after you learn of the loss or theft of your card or PINdays, you can lose no more than $50.00 50 if someone used your Card or PIN Online Banking without your permission. (If you believe your Online Banking account has been compromised, and you tell us within 2 business days after you learn of the compromise, you can lose no more than $50 if someone used Online Banking without your permission.) If you do NOT tell us within two 2 business days after you learn of the loss or theft of that your Card or PINOnline Banking account has been compromised, and we can prove we could have stopped the unauthorized transactions someone from using Online Banking without your permission if you had told us, you could lose as much as $500.00500. Also, if your statement shows transfers that you did not make, including those made by Card, PIN or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have pre- vented stopped someone from taking the transactions money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If you believe that Online Banking has been compromised or that someone has transferred or may transfer money from your account without your permission, call or write us at the telephone number or address listed in this document.

Consumer Liability. You will not be liable for an unauthorized use of your account through an electronic funds transfer unless we can prove that your negligence substantial- ly contributed to the unauthorized use and that we exercised reasonable care to prevent the loss. Tell us AT ONCE if you believe your Card card, access code, password, or PIN has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within two (2) business days after you learn of the loss or theft of your card card, access code, or PIN, you can lose no more than $50.00 50 if someone used your Card card, access code, password, or PIN without your permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your Card card, access code, password, or PIN, and we can prove we could have stopped the unauthorized transactions someone from using your card, access code, password, or PIN without your permission if you had told us, you could lose as much as $500.00500. Also, if your statement shows transfers that you did not make, including those made by Cardcard, PIN code or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have pre- vented stopped someone from taking the transactions money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If you believe your card, access code, password, or PIN has been lost or stolen, call us at: ▇-▇▇▇-▇▇▇-▇▇▇▇ or write us at: Commerce Bank, P.O. Box 411635, Creve Coeur, MO 63141. You should also call the number or write to the address listed above if you believe a transfer has been made using the information from your check without your permission.

Consumer Liability. You will not be liable for an unauthorized use of your account through an electronic funds transfer unless we can prove that your negligence substantial- ly contributed to the unauthorized use and that we exercised reasonable care to prevent the loss. i. Tell us AT ONCE if you believe your Card or PIN Digital Banking password has been lost lost, stolen, or stolenotherwise compromised, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is IMCU Member Services during operating hours or sending an electronic message through Digital Banking are the best way ways of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within two business days (2) Business Days after you learn of the loss or theft of your card or PINDigital Banking password, you can lose no more than $50.00 if someone used your Card or PIN password and Digital Banking/iPay Services without your permission. ii. If you do NOT tell us within two business days (2) Business Days after you learn of the loss or theft of your Card or PINpassword, and we can prove we could have stopped the unauthorized transactions someone from using your password without your permission if you had told us, you could lose as much as $500.00500. iii. Also, if your statement shows transfers that you did not make, including those made by CardDigital Banking/iPay Services, PIN card, code, or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed made available to you, you may not get back any money you lost after the 60 days if we can prove that we could have pre- vented stopped someone from taking the transactions money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will may, at our sole discretion, extend the this time periodsperiod.

Consumer Liability. You will not be liable for an unauthorized use of your account through (1) Tell us immediately if you are concerned that an electronic funds transfer unless we can prove that has been madewith informationfromyourcheckwithoutyourpermissions, or if your negligence substantial- ly contributed to the unauthorized use and that we exercised reasonable care to prevent the loss. Tell us AT ONCE if you believe your Card or Atmos card and/or PIN has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using orstolen. Contact us at the contact information from your check. Telephoning is listed at the beginning of this Agreement as the best way of keeping your possible losses down. You could lose all the money in your account Account (plus your maximum overdraft line of credit). If you tell us within two business days Business Days after you learn of the loss or theft of your card or PINand/or personal identification number, you can lose no more than $50.00 50 if someone used your Card or card and/or PIN without your permission. . (2) If you do NOT tell us within two business days after you Business Days afteryou learn of the loss or lossor theft of your Card or card and/or PIN, and we can prove we could wecan provewecould have stopped the unauthorized transactions if you had told someone from usingyour card and/orpersonal identification numberwithoutyourpermission ifyou hadtold us, you could lose as much as $500.00. Also, 500. (3) Please tell us at once if your statement Statement shows transfers that you did not make, including those made by Cardbycard, PIN or other means, tell us at once. If You may not get back anymoney you lost if you do not tell us within 60 days after the statement Statement was mailed to you, you may not get back any money you lost after the 60 days and if we can prove that we could have pre- vented the transactions if you wecould havestopped someone fromtakingthe money ifyou had told us in time. If . (4) Wewill extend thetimeperiods listed above if a good reason (such as a long trip or a hospital stay) kept you keptyou from telling us, we will extend the time periods.

Consumer Liability. You will not be liable for an unauthorized use of your account through an electronic funds transfer unless we can prove that your negligence substantial- ly contributed to the unauthorized use and that we exercised reasonable care to prevent the loss. Tell us AT ONCE if you believe your Card Username or PIN password you use to access the Service (“credentials”) has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within two business days 2 Business Days after you learn of the loss or theft of or your card or PINcredentials, you can lose no more than $50.00 50 if someone used your Card or PIN credentials without your permission. If you do NOT tell us within two business days 2 Business Days after you learn of the loss or theft of your Card or PINcredentials, and we can prove we could have stopped the unauthorized transactions someone from using your credentials without your permission if you had told us, you could lose as much as $500.00500. Also, if your statement shows transfers that you did not make, including those made by Card, PIN or other meansusing your credentials, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have pre- vented stopped someone from taking the transactions money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. WE CANNOT ACCEPT NOTIFICATION OF LOST OR STOLEN PASSWORDS OR UNAUTHORIZED TRANSFERS VIA E-MAIL.

Consumer Liability. You will not be liable for an unauthorized use of your account through an electronic funds transfer unless we can prove that your negligence substantial- ly contributed to the unauthorized use and that we exercised reasonable care to prevent the loss. Tell us AT ONCE at once if you believe your Card Online or PIN Mobile Banking Login ID and/or password has been lost lost, stolen or stolenotherwise compromised, or if you believe that an electronic fund transfer has been made without your permission using information from f rom your check. Telephoning is the best way of keeping your possible losses down. You could lose all the money in i n your account (plus your maximum overdraft line of credit). If you tell us within two 2 business days after you learn of the loss loss, theft or theft compromise of your card Online or PINMobile Banking Login ID and/or password, you can lose no more than $50.00 50 if someone used your Card Online or PIN Mobile Banking Login ID and/or password without your permission. If you do NOT tell us within two 2 business days after you learn of the loss loss, theft or theft compromise of your Card Online or PINMobile Banking Login ID and/or password, and we can prove we could have stopped the unauthorized transactions someone f rom using your Online or Mobile Banking Login ID and/or password without your permission if you had told us, you could lose as much as $500.00500. Also, if your statement shows transfers that you did not make, including those made by CardOnline or Mobile Banking, PIN card, code, or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have pre- vented stopped someone f rom taking the transactions money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from f rom telling us, we will extend the time periods.period s. Call or write to us if you believe: • Your card and/or code has been lost or stolen • A transfer has been made using the information f rom your check without permission