Common use of Liability for Failure to Stop Payment of Preauthorized Transfer Clause in Contracts

Liability for Failure to Stop Payment of Preauthorized Transfer. If you properly order us to stop one of these payments three (3) business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages. Please refer to our Online Banking Agreement for information on changing, canceling or stopping a bill payment transaction you have previously scheduled Your Liability for Unauthorized Transactions You must contact us immediately if you believe your card, password, Personal Identification Number (PIN), or similar code has been lost, stolen, or used without your permission, or if you believe that an electronic fund transfer has been or may be made without your permission using information from your check. Under Mastercard’s® Zero Liability Protection program, you will not be held responsible for unauthorized Debit Card transactions processed by Mastercard® provided you exercised reasonable care in safeguarding the Card from risk of loss or theft and, upon becoming aware of such loss or theft, promptly reported the loss or theft to us. Unauthorized use means the use of your Debit Card by a person other than you, who does not have actual, implied, or apparent authority for such use, and from which you receive no benefit. Failure to notify us promptly of your suspected unauthorized transaction may result in liability of up to $500.00 if not reported within 2 (two) business days of discovery. Your liability may be unlimited, and include subsequent transfers, if reported more than 60 days after the transmittal of the statement on which the unauthorized transaction appears. If your delay in notifying us is due to extenuating circumstances (such as a hospital stay), we shall extend the times specified to a reasonable period. This additional limitation on liability does not apply to PIN-based transactions or transactions not processed by Mastercard®. Contact in the Event of Unauthorized Transfer If you think your card and/or PIN has been lost or stolen or that someone has transferred or may transfer money from your Account without your permission, please call us at ▇▇▇-▇▇▇-▇▇▇▇ or write to us at: Brookline Bank, PO Box 470469, Brookline, MA 02447-0469, Attn: Electronic Banking. You should also call this number or write to this address if you believe an electronic funds transfer has been made using the information from your check without your permission.

Liability for Failure to Stop Payment of Preauthorized Transfer. If you properly order us to stop one of these payments three (3) business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages. Please refer to our Online Banking Agreement for information on changing, canceling or stopping a bill payment transaction you have previously scheduled scheduled. Your Liability for Unauthorized Transactions You must contact us immediately if you believe your card, password, Personal Identification Number (PIN), or similar code has been lost, stolen, or used without your permission, or if you believe that an electronic fund transfer has been or may be made without your permission using information from your check. Under Mastercard’s® Zero Liability Protection program, you will not be held responsible for unauthorized Debit Card transactions processed by Mastercard® provided you exercised reasonable care in safeguarding the Card from risk of loss or theft and, upon becoming aware of such loss or theft, promptly reported the loss or theft to us. Unauthorized use means the use of your Debit Card by a person other than you, who does not have actual, implied, or apparent authority for such use, and from which you receive no benefit. Failure to notify us promptly of your suspected unauthorized transaction may result in liability of up to $500.00 if not reported within 2 (two) business days of discovery. Your liability may be unlimited, and include subsequent transfers, if reported more than 60 days after the transmittal of the statement on which the unauthorized transaction appears. If your delay in notifying us is due to extenuating circumstances (such as a hospital stay), we shall extend the times specified to a reasonable period. This additional limitation on liability does not apply to PIN-based transactions or transactions not processed by Mastercard®. Contact in the Event of Unauthorized Transfer If you think your card and/or PIN has been lost or stolen or that someone has transferred or may transfer money from your Account without your permission, please call us at ▇▇▇-▇▇▇-▇▇▇▇ or write to us at: Brookline BankBank Rhode Island, PO Box 4704699488, BrooklineProvidence, MA 02447RI, 02940-04699488, Attn: Electronic Banking. You should also call this number or write to this address if you believe an electronic funds transfer has been made using the information from your check without your permission.

Liability for Failure to Stop Payment of Preauthorized Transfer. If you properly order us to stop one of these payments three (3) a preauthorized payment 3 business days or more before the transfer transaction is scheduled, and we do not do so, we will be liable for your losses or damages. Please refer A preauthorized payment is a future recurring payment with the first in the series of payments having cleared the account at least once prior to our Online Banking Agreement the stop payment request. Fees-A $0.75 fee will be charged to your Account for information on changingeach completed transaction made at an ATM other than CashPoints. A $0.35 fee will be charged to your Account for each denied transaction attempted at an ATM other than CashPoints. In addition to the fees above, canceling when you use an ATM other than CashPoints, the ATM owner or stopping any network used may charge you a bill payment transaction you have previously scheduled Your Liability fee. You may be charged a fee for Unauthorized Transactions You must contact us immediately a balance inquiry even if you believe do not complete a monetary transaction. All additional fees are listed in the table below. These fees are subject to change at any time. There is no fee for any transaction performed at a CashPoints Network ATM using your cardLGFCU HSA Debit Card. Refunds and Merchant Disputes-If you are entitled to a refund for any reason, passwordyou agree to accept a credit to your Card instead of a cash refund, Personal Identification Number (PIN)if the merchant does not provide cash refunds. You will settle all disputes about purchases you make using your Card with the merchant who honored the Card. We are not responsible for the delivery, quality, safety, legality, or similar code has been lostother aspect of goods or services that you purchase from others with the Card. Authorizations and Authorization Holds-When you use your Card to pay for goods or services, stolencertain merchants may ask us to authorize the transaction in advance and may estimate its final value. When we authorize the transaction, or used without we commit to make the requested funds available when the transaction finally settles and may place a temporary hold on your permissionAccount funds for the amount indicated by the merchant. Some merchants may also add an amount to ensure that sufficient funds will be available to cover the final transaction. If the amount of the authorization request exceeds the available funds in your Account, or if you believe that an electronic fund transfer has been or the transaction may be made without your permission using information from your checkdeclined. Under Mastercard’s® Zero Liability Protection programUntil the transaction finally settles or 3 business days have passed, you whichever occurs first, the funds subject to the hold will not be held responsible available to you for unauthorized Debit Card other purposes. As a result, other transactions processed by Mastercard® provided you exercised reasonable care may be declined, dishonored, or not paid which can result in safeguarding NSF fees and/or other charges against your Account. We will only charge your Account for the Card from risk correct amount of loss or theft andthe final transaction. However, upon becoming aware of such loss or theft, promptly reported if the loss or theft to us. Unauthorized use means the use of your Debit Card by a person other than you, who settlement transaction amount does not have actualmatch the hold amount, impliedit is possible that both of these amounts will affect your available balance until the end of the 3- day hold period. In addition, or apparent authority for such useif you commence a purchase and the merchant obtains an authorization and then you cancel the purchase without completing it, and from which you receive no benefit. Failure to notify us promptly of your suspected unauthorized transaction the authorization may result in liability a temporary hold for that amount of up funds for 3 business days. A merchant may Confidentiality-We will disclose information to $500.00 if not reported within 2 (two) business days third parties about your Account or the transactions you make: where it is necessary for completing transactions; in order to verify the existence and condition of discovery. Your liability may be unlimitedyour accounts for a third party, and include subsequent transfers, if reported more than 60 days after the transmittal of the statement on which the unauthorized transaction appears. If your delay in notifying us is due to extenuating circumstances (such as a hospital stay), we shall extend the times specified credit bureau or merchant; in order to a reasonable periodcomply with government agency or court orders; if you give us your written permission. This additional limitation on liability does not apply to PINEmergency Cash and Emergency Card Replacement Services-based transactions or transactions not processed Emergency Cash and Emergency Card Replacement Services may be requested from Visa Global Customer Assistance when traveling by Mastercard®. Contact calling 1-800-VISA911 in the Event of Unauthorized Transfer If you think your card and/or PIN has been lost U.S., or stolen or that someone has transferred or may transfer money from your Account without your permission, please call us at ▇-▇▇▇-▇▇▇-▇▇▇▇ outside the U.S. The Credit Union may provide Member personal data to Visa, its Members, or write to us at: Brookline Bank, PO Box 470469, Brookline, MA 02447-0469, Attn: Electronic Bankingtheir respective contractors for the purpose of providing Emergency Cash and Emergency Card Replacement Services. You should also call consent to the release of this number information when you request these services. Documentation-You will be provided a monthly statement for each month in which there were transactions made on your Account. We reserve the right to stop periodic statements if your Account is inactive. You can get a receipt at the time you make a transaction with your Card using an ATM or write point-of-sale terminal. A receipt may not be required for a point-of-sale transaction if the amount of the transaction is Our Liability-If we do not complete a transaction to or from your Account on time or in the correct amount according to our Agreement with you, we will be liable for your losses or damages to the extent required by federal law. However, we will not be liable, for instance: if, through no fault of ours, you do not have enough money in your Account to make the withdrawal or transaction; if the ATM, bank or merchant where you are trying to obtain cash does not have enough cash; if the ATM, system, or POS terminal was not working properly and you knew about the break down when you started the transaction; if circumstances beyond our control (such as fire or flood) prevent or delay the transaction from being completed, despite reasonable precautions that we have taken; if you attempt to use a Card that has not been properly activated; if the Card has been reported as lost or stolen, has been suspended by us, or we have reason to believe a transaction was not authorized by you; or if the merchant does not properly transmit transaction information to us. There may be other exceptions provided by applicable law. Foreign Transactions-If your Card is used in a transaction that is submitted to the Visa or Plus Networks in a currency other than U.S. dollars, Visa will convert the transaction amount into U.S. dollars using its currency conversion procedure. Under the currency conversion procedure that Visa currently uses, the non-U.S. dollar transaction amount is converted into a U.S. dollar amount by multiplying the transaction amount in the non-U.S. dollar currency by a currency conversion rate. The currency conversion rate that Visa typically uses is either a government- mandated rate or a wholesale rate provided to Visa. The currency conversion rate that Visa uses for a particular transaction is the rate in effect for the applicable currency at the time the transaction is processed. This rate may differ from the rate in effect when the transaction occurred or when it was posted to your Account, and may be higher than the rate you could have gotten if you had converted U.S. dollars into cash. If a transaction initially in a foreign currency is converted to U.S. dollars before it is entered into the Visa or Plus networks, the conversion rates and fees of the company that did the conversion will apply. Visa applies a 0.8% International Transaction fee to single currency transactions where the currency has already been pre-converted into U.S. dollars and a 1% fee for multi-currency transactions where both the country codes and currency codes are different. LGFCU does not apply any additional conversion fee other than what Visa imposes. Termination or Expiration-LGFCU may, at any time, suspend your Card and your ability to use your Card, for any reason allowed by law, such as if we suspect possible fraud or suspicious activity, or for security reasons. We may, at any time and for any reason, terminate the Card and your use of the Card and may request the Card to be surrendered. Your Card will expire on the expiration date on the Card. Upon termination or expiration, we may stop accepting transactions from the Card and we may decline to authorize a transaction with the Card. You remain responsible for any charges on your account even after the Card is terminated or expires. To the extent permitted by law, you agree to pay attorneys' fees and collection costs we incur in collecting amounts you owe us and enforcing our rights under this Agreement. Changes Waiver-We reserve the right to change, delete, or add to this address if you believe an electronic funds transfer Agreement and to apply any such modification to a Card that has been made using issued to you. The Credit Union will notify you in writing at least 21 days prior to the information from effective date of the change for any significant change in terms, including increased fees, increased liability, fewer transaction types, and stricter limits on the frequency or dollar amount of transfers. If we decide not to enforce our rights or charge a fee in one situation, we are not giving up our right to enforce it or to charge the fee in a later situation. In the event LGFCU determines that an immediate change is necessary to maintain or restore security of either the automated teller machine system or any account, then we may make the necessary change without advising the member in advance. Choice of Law-This Agreement and all aspects of your check without relationship with us with regard to your permission.LGFCU HSA Debit Card are governed by and

Liability for Failure to Stop Payment of Preauthorized Transfer. If you properly order us to stop one of these payments three (3) business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages. Please refer to our Online Banking Agreement for information on changing, canceling or stopping a bill payment transaction you paymenttransactionyou have previously scheduled Your Liability for Unauthorized Transactions You must Youmust contact us immediately if you believe your card, password, Personal Identification Number (PIN), or similar code has been lost, stolen, or used without your permission, or if you believe that an electronic fund transfer has been or may be made without your permission using information from your fromyour check. Under Mastercard’s® Zero Liability Protection program, you will not be held responsible for unauthorized Debit Card transactions processed by Mastercard® provided you exercised reasonable care in safeguarding the Card from risk of loss or theft and, upon becoming aware of such loss or theft, promptly reported the loss or theft to us. Unauthorized use means the use of your Debit Card by a person other than you, who does not have actual, implied, or apparent authority for such use, and from which you receive no benefit. Failure to notify us promptly of your suspected unauthorized transaction may result in liability of up to $500.00 if not reported within 2 (two) business days of discovery. Your liability Yourliability may be unlimited, and include subsequent transfers, if reported more than 60 days after the transmittal of the statement on which the unauthorized transaction appears. If your delay in notifying us is due to extenuating circumstances (such as a hospital stay), we shall extend the times specified to a reasonable period. This additional limitation on liability does not apply to PIN-based transactions or transactions not processed by Mastercard®. Contact in the Event of Unauthorized Transfer If you think your card and/or PIN has been lost or stolen or that someone has transferred hastransferred or may transfer money from your fromyour Account without your permission, please call us at ▇▇▇-▇▇▇-▇▇▇▇ or write to us at: Brookline BankBank Rhode Island, PO Box 4704699488, BrooklineProvidence, MA 02447RI, 02940-04699488, Attn: Electronic Banking. You should also call this number or write to this address if you believe an electronic funds transfer has been made using the information from your madeusingthe informationfromyour check without your withoutyour permission.

Liability for Failure to Stop Payment of Preauthorized Transfer. If you properly order us to stop one of these payments a preauthorized payment three (3) business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages. Please refer to our Online Banking Agreement for information on changing, canceling or stopping a bill payment transaction you have previously scheduled Your Liability for Unauthorized Transactions You must contact Contact us immediately at once if you believe your cardDebit Card, password, Personal Identification Number (PIN), PIN or similar code Deposit Account number has been lost, stolen, lost or used without your permission, or if you believe that an electronic fund transfer has been or may be made without your permission using information from your check. Under Mastercard’s® Zero Liability Protection program, you will not be held responsible for unauthorized Debit Card transactions processed by Mastercard® provided you exercised reasonable care in safeguarding the Card from risk of loss or theft and, upon becoming aware of such loss or theft, promptly reported the loss or theft to us. Unauthorized use means the use of your Debit Card by a person other than you, who does not have actual, implied, or apparent authority for such use, and from which you receive no benefit. Failure to notify us promptly of your suspected unauthorized transaction may result in liability of up to $500.00 if not reported within 2 (two) business days of discovery. Your liability may be unlimited, and include subsequent transfers, if reported more than 60 days after the transmittal of the statement on which the unauthorized transaction appearscompromised. If your delay in notifying us is due to extenuating circumstances (such as a hospital stay)Debit Card, we shall extend the times specified to a reasonable period. This additional limitation on liability does not apply to PIN-based transactions PIN or transactions not processed by Mastercard®. Contact in the Event of Unauthorized Transfer If you think your card and/or PIN Deposit Account number has been lost or stolen stolen, or that someone has transferred or may transfer money from your Deposit Account without your permission, please call contact us at ▇▇▇-▇▇▇-▇▇▇▇ immediately by emailing us, calling us or write to submitting a Customer Support Form online. Please visit Cheqly’s Contact us at: Brookline Banksection on its website. Under Visa U.S.A. Inc. Operating Regulations, PO Box 470469, Brookline, MA 02447-0469, Attn: Electronic Banking. You should also call this number or write to this address your liability for unauthorized Visa debit transactions on your Deposit Account is $0.00 if you believe an electronic funds transfer has been made using are not grossly negligent or fraudulent in the information from handling of your check Debit Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. If the Visa Zero Liability Rules do not apply, if you notify us within two (2) business days after you learn of any unauthorized transactions, you may be liable for no more than $50.00 if someone used your Deposit Account without your permission. If you do not notify us within two (2) business days after you learn of the loss or theft of your Debit Card, Deposit Account number or PIN and we can prove that we could have stopped someone from using your Deposit Account without your permission if you had promptly notified us, you may be liable for as much as $500.00. If you become aware of and/or your statement shows transactions that you did not make, notify us at once following the procedures stated in the section labeled “Information About Your Right to Dispute Errors“. If you do not notify us within sixty (60) days after you become aware of the transaction(s) and/or the statement was made available to you, you may not get back any of the value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking value if you had notified us in time. If a good reason (such as a long trip or a hospital stay) keeps you from telling us, we will extend the time periods. If your Debit Card, PIN or Deposit Account number has been lost or stolen, we will close your Debit Card and/or Deposit Account to keep losses down and send you a replacement Debit Card and/or Deposit Account number. If your Deposit Account changes you must immediately notify your payors, payees or merchants. You must provide them with your new Deposit Account number to ensure that your direct deposit and/or ACH Debit activity continues uninterrupted.

Liability for Failure to Stop Payment of Preauthorized Transfer. If you properly order us to stop one of these payments three (3) a preauthorized payment 3 business days or more before the transfer transaction is scheduled, and we do not do so, we will be liable for your losses or damages. Please refer A preauthorized payment is a future recurring payment with the first in the series of payments having cleared the account at least once prior to our Online Banking Agreement the stop payment request. Fees-A $0.75 fee will be charged to your Account for information on changingeach completed transaction made at an ATM other than CashPoints. A $0.35 fee will be charged to your Account for each denied transaction attempted at an ATM other than CashPoints. In addition to the fees above, canceling when you use an ATM other than CashPoints, the ATM owner or stopping any network used may charge you a bill payment transaction you have previously scheduled Your Liability fee. You may be charged a fee for Unauthorized Transactions You must contact us immediately a balance inquiry even if you believe do not complete a monetary transaction. All additional fees are listed in the table below. These fees are subject to change at any time. There is no fee for any transaction performed at a CashPoints Network ATM using your cardLGFCU ATM Debit MemberCard or LGFCU Visa Check MemberCard. Refunds and Merchant Disputes-If you are entitled to a refund for any reason, passwordyou agree to accept a credit to your Card instead of a cash refund, Personal Identification Number (PIN)if the merchant does not provide cash refunds. You will settle all disputes about purchases you make using your Card with the merchant who honored the Card. We are not responsible for the delivery, quality, safety, legality, or similar code has been lostother aspect of goods or services that you purchase from others with the Card. Authorizations and Authorization Holds-When you use your LGFCU Visa Check MemberCard to pay for goods or services, stolencertain merchants may ask us to authorize the transaction in advance and may estimate its final value. When we authorize the transaction, or used without we commit to make the requested funds available when the transaction finally settles and may place a temporary hold on your permission, or if you believe Account funds for the amount indicated by the merchant. Some merchants may also add an amount to ensure that an electronic fund transfer has been or may sufficient funds will be made without your permission using information from your check. Under Mastercard’s® Zero Liability Protection program, you will not be held responsible for unauthorized Debit Card transactions processed by Mastercard® provided you exercised reasonable care in safeguarding available to cover the Card from risk of loss or theft and, upon becoming aware of such loss or theft, promptly reported the loss or theft to us. Unauthorized use means the use of your Debit Card by a person other than you, who does not have actual, implied, or apparent authority for such use, and from which you receive no benefit. Failure to notify us promptly of your suspected unauthorized final transaction may result in liability of up to $500.00 if not reported within 2 (two) business days of discovery. Your liability may be unlimited, and include subsequent transfers, if reported more than 60 days after the transmittal of the statement on which the unauthorized transaction appears. If your delay in notifying us is due to extenuating circumstances (such as an estimated tip). If the amount of the authorization request exceeds the available funds in your Account, the transaction may be declined. Until the transaction finally settles or 3 business days have passed, whichever occurs first, the funds subject to Confidentiality-We will disclose information to third parties about your accounts or the transactions you make: where it is necessary for completing transactions; in order to verify the existence and condition of your accounts for a hospital stay)third party, we shall extend the times specified such as a credit bureau or merchant; in order to a reasonable periodcomply with government agency or court orders; if you give us your written permission. This additional limitation on liability does not apply to PINEmergency Cash and Emergency Card Replacement Services-based transactions or transactions not processed Emergency Cash and Emergency Card Replacement Services may be requested from Visa Global Customer Assistance when traveling by Mastercard®. Contact calling 1-800-VISA911 in the Event of Unauthorized Transfer If you think your card and/or PIN has been lost U.S., or stolen or that someone has transferred or may transfer money from your Account without your permission, please call us at ▇-▇▇▇-▇▇▇-▇▇▇▇ outside the U.S. The Credit Union may provide Member personal data to Visa, its Members, or write to us at: Brookline Bank, PO Box 470469, Brookline, MA 02447-0469, Attn: Electronic Bankingtheir respective contractors for the purpose of providing Emergency Cash and Emergency Card Replacement Services. You should also call consent to the release of this number information when you request these services. Documentation-You will be provided a monthly statement for each month in which there were transactions made on your accounts. We reserve the right to stop periodic statements if your accounts are inactive. You can get a receipt at the time you make a transaction with your Card using an ATM or write point-of-sale terminal. A receipt may not be required for a point-of-sale transaction if the amount of the transaction is $50 or less. Our Liability-If we do not complete a transaction to or from your Account on time or in the correct amount according to our Agreement with you, we will be liable for your losses or damages to the extent required by federal law. However, we will not be liable, for instance: if, through no fault of ours, you do not have enough money in your Account to make the withdrawal or transaction, including any amounts from overdraft sources; if the ATM, bank or merchant where you are trying to obtain cash does not have enough cash; if the ATM, system, or POS terminal was not working properly and you knew about the break down when you started the transaction; if circumstances beyond our control (such as fire or flood) prevent or delay the transaction from being completed, despite reasonable precautions that we have taken; if you attempt to use a Card that has not been properly activated; if the Card has been reported as lost or stolen, has been suspended by us, or we have reason to believe a transaction was not authorized by you; or if the merchant does not properly transmit transaction information to us. There may be other exceptions provided by applicable law. Foreign Transactions-If your Card is used in a transaction that is submitted to the Visa or Plus Networks in a currency other than U.S. dollars, Visa will convert the transaction amount into U.S. dollars using its currency conversion procedure. Under the currency conversion procedure that Visa currently uses, the non-U.S. dollar transaction amount is converted into a U.S. dollar amount by multiplying the transaction amount in the non-U.S. dollar currency by a currency conversion rate. The currency conversion rate that Visa typically uses is either a government- mandated rate or a wholesale rate provided to Visa. The currency conversion rate that Visa uses for a particular transaction is the rate in effect for the applicable currency at the time the transaction is processed. This rate may differ from the rate in effect when the transaction occurred or when it was posted to your Account, and may be higher than the rate you could have gotten if you had converted U.S. dollars into cash. If a transaction initially in a foreign currency is converted to U.S. dollars before it is entered into the Visa or Plus networks, the conversion rates and fees of the company that did the conversion will apply. Visa applies a 0.8% International Transaction fee to single currency transactions where the currency has already been pre-converted into U.S. dollars and a 1% fee for multi-currency transactions where both the country codes and currency codes are different. The Credit Union does not apply any additional conversion fee other than what Visa imposes. Termination or Expiration-The Credit Union may, at any time, suspend your Card and your ability to use your Card, for any reason allowed by law, such as if we suspect possible fraud or suspicious activity, or for security reasons. We may, at any time and for any reason, terminate a Card and your use of the Card and may request the Card to be surrendered. Your Card will expire on the expiration date on the Card. Upon termination or expiration, we may stop accepting transactions from the Card and we may decline to authorize a transaction with the Card. You remain responsible for any charges on your account even after the Card is terminated or expires. To the extent permitted by law, you agree to pay attorneys' fees and collection costs we incur in collecting amounts you owe us and enforcing our rights under this Agreement. Changes Waiver-We reserve the right to change, delete, or add to this address if you believe an electronic funds transfer Agreement and to apply any such modification to a Card that has been made using issued to you. The Credit Union will notify you in writing at least 21 days prior to the information from effective date of the change for any significant change in terms, including increased fees, increased liability, fewer transaction types, and stricter limits on the frequency or dollar amount of transfers. If we decide not to enforce our rights or charge a fee in one situation, we are not giving up our right to enforce it or to charge the Choice of Law-This Agreement and all aspects of your check without relationship with us with regard to your permissionLGFCU ATM Debit MemberCard or LGFCU Visa Check MemberCard are governed by and defined in accordance with federal law and, to the extent that state law applies, the laws of the State of North Carolina.

Liability for Failure to Stop Payment of Preauthorized Transfer. If you properly order us to stop one of these payments a preauthorized payment three (3) business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages. Please refer We reserve the right to block or cancel your Card Account or Virtual Account if, as a result of our Online Banking Agreement policies and processes we detect what we reasonably believe to be fraudulent, suspicious or criminal activity or any activity that is inconsistent with this Agreement.We will incur no liability to you because of the unavailability of the funds that may be associated with your Card Account and/or Virtual Account. No individual transaction made with your Card can exceed $4,999.99. You may use your Card to purchase or lease goods or services wherever Visa debit cards or PULSE cards are accepted. Use of your Card is permitted as long as you do not exceed the value available on your Card Account—unless we decide to approve such transactions. Some Merchants do not allow cardholders to conduct split transactions where you would use the Card as partial payment for information goods and services and pay the remainder of the balance with another form of legal tender. If you wish to conduct a split transaction and it is permitted by the Merchant, you must tell the Merchant to charge only the exact amount of funds available on changingthe Card to the ▇▇▇▇.▇▇▇ must then arrange to pay the difference using another payment method. Some Merchants may require payment for the remaining balance in cash. If you fail to inform the Merchant that you would like to complete a split transaction prior to swiping your Card, canceling your Card is likely to be declined. If you use your Card at an automated fuel dispenser (“pay at the pump”), the Merchant may preauthorize the transaction amount for $125.00 or stopping ▇▇▇▇.▇▇ avoid preauthorizations by the Merchant, you should not pay at the pump. You should take your Card to the cashier and indicate either a bill payment transaction specific amount of fuel, or the specific dollar value you have previously scheduled Your Liability for Unauthorized Transactions You must contact us immediately if wish to spend. If you believe your cardCard has sufficient funds when you attempt to pay at the pump and your Card is declined because of the preauthorization value, passwordthen, Personal Identification Number you should take your Card to the cashier and ask to pay only the value of the pumped fuel. If you use your Card at a restaurant, a hotel, for a car rental purchase, or for similar purchases, the Merchant may preauthorize the transaction amount for the purchase amount plus up to 20% more to ensure there are sufficient funds available to cover tips or incidental expenses incurred. Any preauthorized amount will result in the placement of a“hold”on your available funds until the Merchant sends us the final payment amount of your purchase. Once the final payment amount is received, the preauthorized amount on hold will be removed. If we do not receive the final payment amount, the preauthorized amount on hold will remain in place for thirty (PIN30) days. During a hold period, you will not have access to the preauthorized amount. If you use your Card number without presenting your Card (such as for a mail order, telephone, or Internet purchase), the legal effect will be the same as if you used the Card itself (see below for additional information about how to obtain and use a Virtual Account). You may not use your Card number or similar code the Issuer’s routing number and your account number in connection with the creation and/or negotiation of any financial instruments such as checks, which we have not authorized. For security reasons, we may limit the amount or number of transactions you can make on your Card.Your Card cannot be redeemed for ▇▇▇▇.▇▇▇ may not use your Card for online gambling or any illegal transaction. Each time you use your Card, you authorize us to reduce the value available in your Card Account by the amount of the transaction and any applicable fees. Unless we decide, in our sole discretion, to approve a transaction, you may not exceed the available amount in your Card Account through an individual transaction or a series of transactions. Nevertheless, if a transaction exceeds the balance of the funds available on your Card, you shall remain fully liable to us for the amount of the transaction and any applicable transaction fees. You do not have the right to stop payment on any purchase or payment transaction originated by use of your Card. If you authorize a transaction and then fail to make a purchase of that item as planned, the approval may result in a hold. To purchase or lease goods or services or make payments by telephone or online, without presenting your Card, you may request up to three (3) active Virtual Accounts. Each Virtual Account consists of a 16-digit account number, a 3-digit security code, and an expiration date. Each Virtual Account expires one year from the last day of the calendar month during which the Virtual Account was created. For example, if a Virtual Account is created on February 24, 2011, its expiration date is February 29, 2012. Each time you use your Virtual Account, you authorize us to reduce the value available in your Card Account by the amount of the transaction and any applicable fees. If you make a transaction that creates a negative balance on your Card, you agree that within thirty (30) days of its creation you will add sufficient funds to your Card to cover the negative balance so that your Card has been lost, stolena zero or positive balance, or used without that you will otherwise immediately pay such an amount to us in full upon demand. If after thirty (30) days you have not added sufficient funds to cover your permissionnegative balance, or if you believe that an electronic fund transfer has been or may your Card will remain open to receive credits and loads, which will automatically be made without applied to your permission using information from your check. Under Mastercard’s® Zero Liability Protection programnegative balance before they are available to you; however, you will not be held able to make any transactions using your Card until it has a positive balance, i.e., sufficient funds to cover the negative balance. If you have not reloaded your Card with sufficient funds to cover the negative balance within sixty (60) days of its creation, we will have the right to cancel your Card and pursue collection, including the right to collect funds, equal to or less than the negative balance, from any other Card Account(s) you may have with us. In all instances described above, loads to your Card may be made via Direct Deposit or any of the other load methods allowed for this Card. Should you voluntarily discontinue use of the Card, you shall remain responsible for unauthorized Debit the negative balance on your Card transactions processed by Mastercard® provided you exercised reasonable care in safeguarding and agree that any credits or loads made to your Card will be used to offset the value of the negative balance, if any. You acknowledge that a negative balance on your Card from risk of loss or theft and, upon becoming aware of such loss or theft, promptly reported the loss or theft to us. Unauthorized use means the use of your Debit Card by a person other than you, who does not have actualconstitute a contractual open end line of credit. If we permit a negative balance on one or more occasions, implied, or apparent authority for such usewe do not thereby obligate ourselves to permit a negative balance on any future occasion, and from which we may refuse to pay a negative balance for you receive at any time, even though we may have previously paid negative balances for you.We have no benefit. Failure obligation to notify us promptly of your suspected unauthorized you before we approve or decline a transaction may that would result in liability of up to $500.00 if not reported within 2 (two) business days of discoverya negative balance on your Card. Your liability may Items will be unlimited, and include subsequent transfers, if reported more than 60 days after the transmittal of the statement on which the unauthorized transaction appears. If your delay in notifying us is due to extenuating circumstances (such as a hospital stay), we shall extend the times specified to a reasonable period. This additional limitation on liability does not apply to PIN-based transactions approved or transactions not processed by Mastercard®. Contact declined in the Event of Unauthorized Transfer If you think your card and/or PIN has been lost or stolen or that someone has transferred or may transfer money from your Account without your permission, please call us order they are received at ▇▇▇-▇▇▇-▇▇▇▇ or write to us at: Brookline Bank, PO Box 470469, Brookline, MA 02447-0469, Attn: Electronic Banking. You should also call this number or write to this address if you believe an electronic funds transfer has been made using the information from your check without your permissiondata processor.

Liability for Failure to Stop Payment of Preauthorized Transfer. If you properly order us to stop one of these payments a preauthorized payment three (3) business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages. Please refer We reserve the right to block or cancel your Card Account or Virtual Account if, as a result of our Online Banking Agreement policies and processes we detect what we reasonably believe to be fraudulent, suspicious or criminal activity or any activity that is inconsistent with this Agreement. We will incur no liability to you because of the unavailability of the funds that may be associated with your Card Account and/or Virtual Account. No individual transaction made with your Card can exceed $4,999.99. You may use your Card to purchase or lease goods or services wherever Debit MasterCard or PULSE cards are accepted. Use of your Card is permitted as long as you do not exceed the value available on your Card Account—unless we decide to approve such transactions. Some Merchants do not allow cardholders to conduct split transactions where you would use the Card as partial payment for information goods and services and pay the remainder of the balance with another form of legal tender. If you wish to conduct a split transaction and it is permitted by the Merchant, you must tell the Merchant to charge only the exact amount of funds available on changing, canceling or stopping a bill payment transaction you have previously scheduled Your Liability for Unauthorized Transactions the Card to the Card. You must contact us immediately if then arrange to pay the difference using another payment method. Some Merchants may require payment for the remaining balance in cash. If you fail to inform the Merchant that you would like to complete a split transaction prior to swiping your Card, your Card is likely to be declined. If you use your Card at an automated fuel dispenser (“pay at the pump”), the Merchant may preauthorize the transaction amount for $100.00 or more. To avoid preauthorizations by the Merchant, you should not pay at the pump. You should take your Card to the cashier and indicate either a specific amount of fuel, or the specific dollar value you wish to spend. If you believe your cardCard has sufficient funds when you attempt to pay at the pump and your Card is declined because of the preauthorization value, passwordthen, Personal Identification Number you should take your Card to the cashier and ask to pay only the value of the pumped fuel. If you use your Card at a restaurant, a hotel, for a car rental purchase, or for similar purchases, the Merchant may preauthorize the transaction amount for the purchase amount plus up to 20% more to ensure there are sufficient funds available to cover tips or incidental expenses incurred. Any preauthorized amount will result in the placement of a“hold”on your available funds until the Merchant sends us the final payment amount of your purchase. Once the final payment amount is received, the preauthorized amount on hold will be removed. If we do not receive the final payment amount, the preauthorized amount on hold will remain in place for thirty (PIN30) days. During a hold period, you will not have access to the preauthorized amount. If you use your Card number without presenting your Card (such as for a mail order, telephone, or Internet purchase), the legal effect will be the same as if you used the Card itself (see below for additional information about how to obtain and use a Virtual Account). You may not use your Card number or similar code the Issuer’s routing number and your account number in connection with the creation and/or negotiation of any financial instruments such as checks, which we have not authorized. For security reasons, we may limit the amount or number of transactions you can make on your Card. Your Card cannot be redeemed for cash. You may not use your Card for online gambling or any illegal transaction. Each time you use your Card, you authorize us to reduce the value available in your Card Account by the amount of the transaction and any applicable fees. Unless we decide, in our sole discretion, to approve a transaction, you may not exceed the available amount in your Card Account through an individual transaction or a series of transactions. Nevertheless, if a transaction exceeds the balance of the funds available on your Card, you shall remain fully liable to us for the amount of the transaction and any applicable transaction fees. You do not have the right to stop payment on any purchase or payment transaction originated by use of your Card. If you authorize a transaction and then fail to make a purchase of that item as planned, the approval may result in a hold. To purchase or lease goods or services or make payments by telephone or online, without presenting your Card, you may request up to three (3) active Virtual Accounts. Each Virtual Account consists of a 16-digit account number, a 3-digit security code, and an expiration date. Each Virtual Account expires one year from the last day of the calendar month during which the Virtual Account was created. For example, if a Virtual Account is created on February 24, 2011, its expiration date is February 29, 2012. Each time you use your Virtual Account, you authorize us to reduce the value available in your Card Account by the amount of the transaction and any applicable fees. If you make a transaction that creates a negative balance on your Card, you agree that within thirty (30) days of its creation you will add sufficient funds to your Card to cover the negative balance so that your Card has been lost, stolena zero or positive balance, or used without that you will otherwise immediately pay such an amount to us in full upon demand. If after thirty (30) days you have not added sufficient funds to cover your permissionnegative balance, or if you believe that an electronic fund transfer has been or may your Card will remain open to receive credits and loads, which will automatically be made without applied to your permission using information from your check. Under Mastercard’s® Zero Liability Protection programnegative balance before they are available to you; however, you will not be held able to make any transactions using your Card until it has a positive balance, i.e., sufficient funds to cover the negative balance. If you have not reloaded your Card with sufficient funds to cover the negative balance within sixty (60) days of its creation, we will have the right to cancel your Card and pursue collection, including the right to collect funds, equal to or less than the negative balance, from any other Card Account(s) you may have with us. In all instances described above, loads to your Card may be made via Direct Deposit or any of the other load methods allowed for this Card. Should you voluntarily discontinue use of the Card, you shall remain responsible for unauthorized Debit the negative balance on your Card transactions processed by Mastercard® provided you exercised reasonable care in safeguarding and agree that any credits or loads made to your Card will be used to offset the value of the negative balance, if any. You acknowledge that a negative balance on your Card from risk of loss or theft and, upon becoming aware of such loss or theft, promptly reported the loss or theft to us. Unauthorized use means the use of your Debit Card by a person other than you, who does not have actualconstitute a contractual open end line of credit. If we permit a negative balance on one or more occasions, implied, or apparent authority for such usewe do not thereby obligate ourselves to permit a negative balance on any future occasion, and from which we may refuse to pay a negative balance for you receive at any time, even though we may have previously paid negative balances for you. We have no benefit. Failure obligation to notify us promptly of your suspected unauthorized you before we approve or decline a transaction may that would result in liability of up to $500.00 if not reported within 2 (two) business days of discoverya negative balance on your Card. Your liability may Items will be unlimited, and include subsequent transfers, if reported more than 60 days after the transmittal of the statement on which the unauthorized transaction appears. If your delay in notifying us is due to extenuating circumstances (such as a hospital stay), we shall extend the times specified to a reasonable period. This additional limitation on liability does not apply to PIN-based transactions approved or transactions not processed by Mastercard®. Contact declined in the Event of Unauthorized Transfer If you think your card and/or PIN has been lost or stolen or that someone has transferred or may transfer money from your Account without your permission, please call us order they are received at ▇▇▇-▇▇▇-▇▇▇▇ or write to us at: Brookline Bank, PO Box 470469, Brookline, MA 02447-0469, Attn: Electronic Banking. You should also call this number or write to this address if you believe an electronic funds transfer has been made using the information from your check without your permissiondata processor.

Liability for Failure to Stop Payment of Preauthorized Transfer. If you properly order us to stop one of these payments a preauthorized payment three (3) business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages. Please refer Fraudulent Or Criminal Account Activity We reserve the right to block or cancel your Card Account or Virtual Account if, as a result of our Online Banking Agreement policies and processes we detect what we reasonably believe to be fraudulent, suspicious or criminal activity or any activity that is inconsistent with this Agreement. We will incur no liability to you because of the unavailability of the funds that may be associated with your Card Account and/or Virtual Account. Using Your Card/Features Limits affecting the use of your Card: No individual purchase or Over the Counter Cash Withdrawal (“OTC Withdrawal”) transaction made with your Card or Virtual Account may exceed If you use your Card at an automated fuel dispenser (“pay at the pump”), the purchase may be preauthorized for information on changinga transaction amount of up to $100.00 or more. If your Card is declined, canceling or stopping a bill payment transaction even though you have previously scheduled Your Liability sufficient funds available, you should pay for Unauthorized Transactions You must contact us immediately if your purchase inside with the cashier. If you believe use your cardCard at a restaurant, passworda hotel, Personal Identification Number (PIN)for a car rental purchase, or for similar code has been lostpurchases, stolen, or used without your permission, or if you believe that an electronic fund transfer has been or the purchase may be made without preauthorized for a transaction amount representing the purchase amount plus up to 20% or more to ensure there are sufficient funds available to cover tips or incidental expenses incurred. Any preauthorized amount will result in the placement of a“hold” on your permission using information from available funds until the Merchant tells us the final payment amount of your checkpurchase. Under Mastercard’s® Zero Liability Protection programOnce we know the final payment amount, the preauthorized amount on hold will be removed. Generally, it may take up to seven (7) days for a hold to be removed. However, if the Merchant does not tell us the final payment amount, the preauthorized amount on hold may remain in place for up to thirty (30) days. During a hold period, you will not be held responsible for unauthorized Debit have access to the preauthorized amount. your Card transactions processed by Mastercard® provided Account. Additionally, we have the right to collect funds, equal to or less than the negative balance, from any other Card Account(s) you exercised reasonable care in safeguarding the Card from risk of loss or theft and, upon becoming aware of such loss or theft, promptly reported the loss or theft to may have with us. Unauthorized use means the use of In all instances described above, loads to your Debit Card by a person other than you, who does not have actual, implied, or apparent authority for such use, and from which you receive no benefit. Failure to notify us promptly of your suspected unauthorized transaction may result in liability of up to $500.00 if not reported within 2 (two) business days of discovery. Your liability may be unlimited, and include subsequent transfers, if reported more than 60 days after the transmittal made via Direct Deposit or any of the statement on which the unauthorized transaction appearsother load methods allowed for this Card. If your delay in notifying us is due to extenuating circumstances (such as a hospital stay), we shall extend the times specified to a reasonable period. This additional limitation on liability does not apply to PINNon-based transactions or transactions not processed by Mastercard®. Contact in the Event of Unauthorized Transfer If you think your card and/or PIN has been lost or stolen or that someone has transferred or may transfer money from your Account without your permission, please call us at ▇▇▇-▇▇▇-▇▇▇▇ or write to us at: Brookline Bank, PO Box 470469, Brookline, MA 02447-0469, Attn: Electronic Banking. You should also call this number or write to this address if you believe an electronic funds transfer has been made using the information from your check without your permission.Visa Debit Transactions Virtual Account

Liability for Failure to Stop Payment of Preauthorized Transfer. If you properly order us Stash to stop one of these payments a pre-authorized payment three (3) business days or more before the transfer is scheduled, and we do Stash does not do so, we Stash will be liable for your losses or damages. Please refer to our Online Banking Agreement for information on changing, canceling or stopping a bill payment transaction you have previously scheduled Your Liability for Unauthorized Transactions You must contact us Contact Stash immediately if you believe your debit card, password, Personal Identification Number (PIN), or similar code Account number has been lost, stolen, or used without . Telephoning is the best way to minimize your permission, or if you believe that an electronic fund transfer has been or may be made without your permission using information from your check. Under Mastercard’s® Zero Liability Protection program, you will not be held responsible for unauthorized Debit Card transactions processed by Mastercard® provided you exercised reasonable care in safeguarding the Card from risk of loss or theft and, upon becoming aware of such loss or theft, promptly reported the loss or theft to us. Unauthorized use means the use of your Debit Card by a person other than you, who does not have actual, implied, or apparent authority for such use, and from which you receive no benefit. Failure to notify us promptly of your suspected unauthorized transaction may result in liability of up to $500.00 if not reported within 2 (two) business days of discovery. Your liability may be unlimited, and include subsequent transfers, if reported more than 60 days after the transmittal of the statement on which the unauthorized transaction appearspossible losses. If your delay in notifying us is due to extenuating circumstances (such as a hospital stay)debit card, we shall extend the times specified to a reasonable period. This additional limitation on liability does not apply to PIN-based transactions , or transactions not processed by Mastercard®. Contact in the Event of Unauthorized Transfer If you think your card and/or PIN Account number has been lost or stolen stolen, or that someone has transferred or may transfer money from your Account without your permission, please call us at ▇-▇▇▇-▇▇▇-▇▇▇▇ or write to us at: Brookline Bank, PO Box 470469, Brookline, MA 02447-0469, Attn: Electronic Banking▇. You should may also call this number lock your card in the Stash App or write Stash Website to this address if you believe an electronic funds transfer prevent unauthorized transactions. If someone has been made using the information transferred money from your check Account without your permission, submit a dispute on the Stash App or Stash Website. Under the Mastercard Zero Liability Rules, your liability for unauthorized Mastercard debit transactions on your Account is $0.00 if you have used reasonable care in protecting your card from loss or theft and you promptly reported loss or theft to Stash. This reduced liability does not apply to certain transactions not processed by Mastercard or to ATM transactions outside the U.S. You must notify Stash immediately of any unauthorized use. In the event that the Mastercard Zero Liability Rules do not apply, if you notify Stash within two (2) business days after you learn of any unauthorized transactions, you may be liable for no more than $50.00 if someone used your Account without your permission. If you do not notify Stash within two (2) business days after you learn of the loss or theft of your Card, Account number, or PIN and Stash can prove that it could have stopped someone from using your Account without your permission if you had promptly notified Stash, you may be liable for as much as $500.00. Also, if you become aware of and/or your statement shows transactions that you did not make, notify Stash at once following the procedures stated in the section labeled “Information About Your Right to Dispute Errors.” If you do not notify Stash within sixty (60) days after you become aware of the transaction(s) and/or the statement was made available to you, you may not get back any of the value you lost after the sixty (60) days if Stash can prove that it could have stopped someone from taking value if you had notified Stash in time. If a good reason (such as a long trip or a hospital stay) keeps you from telling ▇▇▇▇▇, it will extend the time period. If your Card, PIN, or Account number has been lost or stolen, Stash will close your debit card and/or Stash Account to keep losses down and send you a replacement debit card and/or Stash Account number. If your Account changes, you must immediately notify your employer or any other payors or merchants. You must provide them with your new Stash Account number to ensure that your direct deposit and/or ACH Debit activity continues uninterrupted.

Liability for Failure to Stop Payment of Preauthorized Transfer. If you properly order us to stop one of these payments three (3) business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages. Please refer to our Online Banking Agreement ▇▇▇▇ for information on changing, canceling canceling, or stopping a bill payment transaction you have previously scheduled Your Liability scheduled. Unauthorized use means the use of your Debit Card by a person other than you, who does not have actual, implied, or apparent authority for Unauthorized Transactions such use, and from which you receive no benefit. You must contact us immediately if you believe your cardCard, password, Personal Identification Number (PIN), or similar code has been lost, stolen, or used without your permission, or if you believe that an electronic fund transfer has been or may be made without your permission using information from your check. Under Mastercard’s® Zero Liability Protection program, you will not be held responsible for unauthorized Debit Card transactions processed by Mastercard® provided you exercised reasonable care in safeguarding the Card from risk of loss or theft and, upon becoming aware of such loss or theft, promptly reported the loss or theft to us. Unauthorized use means the use of your Debit Card by a person other than you, who does not have actual, implied, or apparent authority for such use, and from which If you receive no benefit. Failure to notify us promptly of your suspected unauthorized transaction may result in liability of up to $500.00 if not reported within 2 two (two2) business days after you learn of discoverythe loss or theft of your Card and/or PIN or your Card and/or PIN that has been used without your permission, $50 is the maximum you can lose. Your liability If you do not notify us within two (2) business days and we prove that we could have stopped someone from using your Card and/ or PIN without your permission, you can lose as much as $500. You should tell us immediately if your statement shows transactions that you did not make. If you do not tell us within sixty (60) calendar days from the date that the statement was sent to you, you may be unlimited, and include subsequent transfers, if reported more than 60 days not get back any money you lost after the transmittal of sixty (60) calendar days if we can prove that we could have stopped the statement on which the subsequent unauthorized transaction appearstransaction(s) if you had told us in time. If your delay in notifying us is due to extenuating circumstances (such as a hospital stay), we shall may extend the times specified to a reasonable period. This additional limitation on liability does not apply to PIN-based transactions or transactions not processed by Mastercard®. Contact in the Event of Unauthorized Transfer If you think your card Card and/or PIN has been lost or stolen or that someone has transferred or may transfer money from your Account without your permission, please call telephone us at ▇▇▇-▇▇▇-▇▇▇▇ or write to us at: Brookline Bank, PO Box 470469, Brookline, MA 02447-0469, PCSB Bank Attn: Electronic BankingATM Department ▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇. P.O. Box 712 Yorktown Heights, NY 10598 You should also call this number or write to this address if you believe an electronic funds transfer has been made using the information from your check without your permission.

Liability for Failure to Stop Payment of Preauthorized Transfer. If you properly order us to stop one of these payments three (3) a preauthorized payment 3 business days or more before the transfer transaction is scheduled, and we do not do so, we will be liable for your losses or damages. Please refer A preauthorized payment is a future recurring payment with the first in the series of payments having cleared the account at least once prior to our Online Banking Agreement the stop payment request. Fees-A $0.75 fee will be charged to your Account for information on changingeach completed transaction made at an ATM other than CashPoints. A $0.35 fee will be charged to your Account for each denied transaction attempted at an ATM other than CashPoints. In addition to the fees above, canceling when you use an ATM other than CashPoints, the ATM owner or stopping any network used may charge you a bill payment transaction you have previously scheduled Your Liability fee. You may be charged a fee for Unauthorized Transactions You must contact us immediately a balance inquiry even if you believe do not complete a monetary transaction. All additional fees are listed in the table below. These fees are subject to change at any time. There is no fee for any transaction performed at a CashPoints Network ATM using your cardLGFCU CashPoints Global Card. Refunds and Merchant Disputes-If you are entitled to a refund for any reason, passwordyou agree to accept a credit to your Card instead of a cash refund, Personal Identification Number (PIN)if the merchant does not provide cash refunds. You will settle all disputes about purchases you make using your Card with the merchant who honored the Card. We are not responsible for the delivery, quality, safety, legality, or similar code has been lostother aspect of goods or services that you purchase from others with the Card. Authorizations and Authorization Holds-When you use your Card to pay for goods or services, stolencertain merchants may ask us to authorize the transaction in advance and may estimate its final value. When we authorize the transaction, or used without we commit to make the requested funds available when the transaction finally settles and may place a temporary hold on your permissionAccount funds for the amount indicated by the merchant. Some merchants may also add an amount to ensure that sufficient funds will be available to cover the final transaction (such as an estimated tip). If the amount of the authorization request exceeds the available funds in your Account, or if you believe that an electronic fund transfer has been or the transaction may be made without your permission using information from your checkdeclined. Under Mastercard’s® Zero Liability Protection programUntil the transaction finally settles or 3 business days have passed, you whichever occurs first, the funds subject to the hold will not be held responsible available to you for unauthorized Debit Card transactions processed by Mastercard® provided you exercised reasonable care in safeguarding other purposes. We will only charge your Account for the Card from risk correct amount of loss or theft andthe final transaction. However, upon becoming aware of such loss or theft, promptly reported if the loss or theft to us. Unauthorized use means the use of your Debit Card by a person other than you, who settlement transaction amount does not have actualmatch the hold amount, impliedit is possible that both of these amounts will affect your available balance until the end of the 3-day hold period. In addition, or apparent authority for such useif you commence a purchase and the merchant obtains an authorization and then you cancel the purchase without completing it, and from which you receive no benefit. Failure to notify us promptly of your suspected unauthorized transaction the authorization may result in liability a temporary hold for that amount of up to $500.00 if not reported within 2 (two) funds for 3 business days of discoverydays. Your liability A merchant may be unlimited, and include subsequent transfers, if reported more than 60 days after reverse the transmittal pre-authorization at your request and/or extend or modify the amount of the statement on which the unauthorized transaction appearspre-authorization in certain circumstances, such as an extended hotel stay. If an extension or modification is submitted by a merchant, the hold on your delay Account will be extended or modified. We are not responsible if we do not authorize or pay other transactions while authorization holds are placed on your Account. Confidentiality-We will disclose information to third parties about your Account or the transactions you make: where it is necessary for completing transactions; in notifying us is due order to extenuating circumstances (verify the existence and condition of your Account for a third party, such as a hospital stay), we shall extend the times specified credit bureau or merchant; in order to a reasonable periodcomply with government agency or court orders; if you give us your written permission. This additional limitation on liability does not apply to PINEmergency Cash and Emergency Card Replacement Services-based transactions or transactions not processed Emergency Cash and Emergency Card Replacement Services may be requested from Visa Global Customer Assistance when traveling by Mastercard®. Contact calling 1-800-VISA911 in the Event of Unauthorized Transfer If you think your card and/or PIN has been lost U.S., or stolen or that someone has transferred or may transfer money from your Account without your permission, please call us at ▇-▇▇▇-▇▇▇-▇▇▇▇ outside the U.S. The Credit Union may provide Member personal data to Visa, its Members, or write to us at: Brookline Bank, PO Box 470469, Brookline, MA 02447-0469, Attn: Electronic Bankingtheir respective contractors for the purpose of providing Emergency Cash and Emergency Card Replacement Services. You should also call consent to the release of this number information when you request these services. Documentation-You will be provided a monthly statement for each month in which there were transactions made on the Account. We reserve the right to stop periodic statements if your Account is inactive. You can get a receipt at the time you make a transaction with your Card using an ATM or write point-of-sale terminal. A receipt may not be required for a point-of-sale transaction if the amount of the transaction is $50 or less. Our Liability-If we do not complete a transaction to or from your Account on time or in the correct amount according to our Agreement with you, we will be liable for your losses or damages to the extent required by federal law. However, we will not be liable, for instance: if, through no fault of ours, you do not have enough money in your Account to make the withdrawal or transaction; if the ATM, bank or merchant where you are trying to obtain cash does not have enough cash; if the ATM, system, or POS terminal was not working properly and you knew about the break down when you started the transaction; if circumstances beyond our control (such as fire or flood) prevent or delay the transaction from being completed, despite reasonable precautions that we have taken; if you attempt to use a Card that has not been properly activated; if the Card has been reported as lost or stolen, has been suspended by us, or we have reason to believe a transaction was not authorized by you; or if the merchant does not properly transmit transaction information to us. There may be other exceptions provided by applicable law. Foreign Transactions-If your LGFCU CashPoints Global Card is used in a transaction that is submitted to the Visa or Plus Networks in a currency other than U.S. dollars, Visa will convert the transaction amount into U.S. dollars using its currency conversion procedure. Under the currency conversion procedure that Visa currently uses, the non-U.S. dollar transaction amount is converted into a U.S. dollar amount by multiplying the transaction amount in the non-U.S. dollar currency by a currency conversion rate. The currency conversion rate that Visa typically uses is either a government-mandated rate or a wholesale rate provided to Visa. The currency conversion rate that Visa uses for a particular transaction is the rate in effect for the applicable currency at the time the transaction is processed. This rate may differ from the rate in effect when the transaction occurred or when it was posted to your Account, and may be higher than the rate you could have gotten if you had converted U.S. dollars into cash. If a transaction initially in a foreign currency is converted to U.S. dollars before it is entered into the Visa or Plus networks, the conversion rates and fees of the company that did the conversion will apply. Visa applies a 0.8% International Transaction fee to single currency transactions where the currency has already been pre-converted into U.S. dollars and a 1% fee for multi-currency transactions where both the country codes and currency codes are different. LGFCU does not apply any additional conversion fee other than what Visa imposes. Termination or Expiration-The Credit Union may, at any time, suspend your Card and your ability to use your Card, for any reason allowed by law, such as if we suspect possible fraud or suspicious activity, or for security reasons. We may, at any time and for any reason, terminate the Card and your use of the Card and may request the Card to be surrendered. Your Card will expire on the expiration date on the Card. Upon termination or expiration, we may stop accepting transactions from the Card and we may decline to authorize a transaction with the Card. You remain responsible for any charges on your account even after the Card is terminated or expires. To the extent permitted by law, you agree to pay attorneys' fees and collection costs we incur in collecting amounts you owe us and enforcing our rights under this Agreement. Changes Waiver-We reserve the right to change, delete, or add to this address if you believe an electronic funds transfer Agreement and to apply any such modification to a Card that has been made using issued to you. The Credit Union will notify you in writing at least 21 days prior to the information from effective date of the change for any significant change in terms, including increased fees, increased liability, fewer transaction types, and stricter limits on the frequency or dollar amount of transfers. If we decide not to enforce our rights or charge a fee in one situation, we are not giving up our right to enforce it or to charge the fee in a later situation. In the event the Credit Union determines that an immediate change is necessary to maintain or restore security of either the automated teller machine system or any account, then we may make the necessary change without advising the member in advance. Choice of Law-This Agreement and all aspects of your check without relationship with us with regard to your permissionLGFCU CashPoints Global Card are governed by and defined in accordance with federal law and, to the extent that state law applies, the laws of the State of North Carolina.

Liability for Failure to Stop Payment of Preauthorized Transfer. If you properly order us to stop one of these payments three (3) business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages. Please refer to our Online Banking Agreement for information on changing, canceling canceling, or stopping a bill payment transaction you have previously scheduled Your Liability scheduled. Unauthorized use means the use of your Debit Card by a person other than you, who does not have actual, implied, or apparent authority for Unauthorized Transactions such use, and from which you receive no benefit. You must contact us immediately if you believe your cardCard, password, Personal Identification Number (PIN), or similar code has been lost, stolen, or used without your permission, or if you believe that an electronic fund transfer has been or may be made without your permission using information from your check. Under Mastercard’s® Zero Liability Protection program, you will not be held responsible for unauthorized Debit Card transactions processed by Mastercard® provided you exercised reasonable care in safeguarding the Card from risk of loss or theft and, upon becoming aware of such loss or theft, promptly reported the loss or theft to us. Unauthorized use means the use of your Debit Card by a person other than you, who does not have actual, implied, or apparent authority for such use, and from which If you receive no benefit. Failure to notify us promptly of your suspected unauthorized transaction may result in liability of up to $500.00 if not reported within 2 two (two2) business days after you learn of discoverythe loss or theft of your Card and/or PIN or your Card and/or PIN that has been used without your permission, $50 is the maximum you can lose. Your liability If you do not notify us within two (2) business days and we prove that we could have stopped someone from using your Card and/ or PIN without your permission, you can lose as much as $500. You should tell us immediately if your statement shows transactions that you did not make. If you do not tell us within sixty (60) calendar days from the date that the statement was sent to you, you may be unlimited, and include subsequent transfers, if reported more than 60 days not get back any money you lost after the transmittal of sixty (60) calendar days if we can prove that we could have stopped the statement on which the subsequent unauthorized transaction appearstransaction(s) if you had told us in time. If your delay in notifying us is due to extenuating circumstances (such as a hospital stay), we shall may extend the times specified to a reasonable period. This additional limitation on liability does not apply to PIN-based transactions or transactions not processed by Mastercard®. Contact in the Event of Unauthorized Transfer If you think your card Card and/or PIN has been lost or stolen or that someone has transferred or may transfer money from your Account without your permission, please call telephone us at ▇▇▇-▇▇▇-▇▇▇▇ or write to us at: Brookline Bank, PO Box 470469, Brookline, MA 02447-0469, PCSB Bank Attn: Electronic BankingATM Department ▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇. P.O. Box 712 Yorktown Heights, NY 10598 You should also call this number or write to this address if you believe an electronic funds transfer has been made using the information from your check without your permission.

Liability for Failure to Stop Payment of Preauthorized Transfer. If you properly order us to stop one of these payments three (3) business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages. Please refer to our Online Banking Agreement EULA for information on changing, canceling canceling, or stopping a bill payment transaction you have previously scheduled Your Liability scheduled. Unauthorized use means the use of your Debit Card by a person other than you, who does not have actual, implied, or apparent authority for Unauthorized Transactions such use, and from which you receive no benefit. You must contact us immediately if you believe your cardCard, password, Personal Identification Number (PIN), or similar code has been lost, stolen, or used without your permission, or if you believe that an electronic fund transfer has been or may be made without your permission using information from your check. Under Mastercard’s® Zero Liability Protection program, you will not be held responsible for unauthorized Debit Card transactions processed by Mastercard® provided you exercised reasonable care in safeguarding the Card from risk of loss or theft and, upon becoming aware of such loss or theft, promptly reported the loss or theft to us. Unauthorized use means the use of your Debit Card by a person other than you, who does not have actual, implied, or apparent authority for such use, and from which If you receive no benefit. Failure to notify us promptly of your suspected unauthorized transaction may result in liability of up to $500.00 if not reported within 2 two (two2) business days after you learn of discoverythe loss or theft of your Card and/or PIN or your Card and/or PIN that has been used without your permission, $50 is the maximum you can lose. Your liability If you do not notify us within two (2) business days and we prove that we could have stopped someone from using your Card and/ or PIN without your permission, you can lose as much as $500. You should tell us immediately if your statement shows transactions that you did not make. If you do not tell us within sixty (60) calendar days from the date that the statement was sent to you, you may be unlimited, and include subsequent transfers, if reported more than 60 days not get back any money you lost after the transmittal of sixty (60) calendar days if we can prove that we could have stopped the statement on which the subsequent unauthorized transaction appearstransaction(s) if you had told us in time. If your delay in notifying us is due to extenuating circumstances (such as a hospital stay), we shall may extend the times specified to a reasonable period. This additional limitation on liability does not apply to PIN-based transactions or transactions not processed by Mastercard®. Contact in the Event of Unauthorized Transfer If you think your card Card and/or PIN has been lost or stolen or that someone has transferred or may transfer money from your Account without your permission, please call telephone us at ▇▇▇-▇▇▇-▇▇▇▇ or write to us at: Brookline Bank, PO Box 470469, Brookline, MA 02447-0469, PCSB Bank Attn: Electronic BankingATM Department ▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇. P.O. Box 712 Yorktown Heights, NY 10598 You should also call this number or write to this address if you believe an electronic funds transfer has been made using the information from your check without your permission.