Common use of Liability for Unauthorized Access Clause in Contracts

Liability for Unauthorized Access. You are responsible for all transactions you authorize. If you permit someone else to use the password, you are responsible for any transactions they authorize or conduct on any of your accounts. Notify us at once if you believe your password has been lost or stolen, or an unauthorized person has obtained your account without your permission. An immediate hold can be placed on your account blocking online and mobile access. Telephoning is the best way of keeping your possible losses down. If you believe anyone has used your password or accessed your account through WESTconsin Online and/or Mobile Banking without your authorization, please contact us immediately, during business hours by calling (▇▇▇) ▇▇▇-▇▇▇▇. WESTconsin Credit Union is not liable for failure to make transfers: • If you do not have adequate funds in your account to complete a transaction • If your account is closed • If the transaction amount exceeds your available line of credit limit • If the funds in your account are subject to an administrative hold, legal process, or other claim • If you have not provided accurate instructions • If WESTconsin Online and/or Mobile Banking is not working properly • If your computer or mobile device malfunctions • Or any other circumstance occurs beyond WESTconsin’s control Notwithstanding any other provision in this Agreement, unless otherwise prohibited by law or based on our negligence, our sole responsibility for an error by us or our third party provider in transferring funds or otherwise arising from or relating to this Agreement will be to correct any errors, but in no case will we be liable for any indirect, special, incidental or consequential damages in connection with or in any way related to Online and/or Mobile Banking services or ours or your performance thereunder. You agree to indemnify and hold us harmless from any and all claims, demands, actions, suits, damages, judgments, liabilities, costs and expenses, and attorneys' fees arising out of or resulting from your use of WESTconsin’s Online and/or Mobile Banking services or your breach of any of your obligations under this Agreement, including but not limited to authorized and unauthorized transactions, account access (subusers allowing others to use their usernames and passwords), and account reset as authorized. Your obligation to indemnify us shall survive termination of this Agreement. Termination of WESTconsin Online and/or Mobile Banking We may terminate your use of WESTconsin Online and/or Mobile Banking at any time without prior notification if you or an Authorized User of your account breaches this or any other agreement with us; or if we have reason to believe there has been unauthorized use of your account or password. You and any other party to your account can terminate your use of WESTconsin Online and/or Mobile Banking by calling us. However, termination of Online and/or Mobile Banking services or the system will not affect the rights and responsibilities of the parties under this Agreement for transactions initiated before termination. We also reserve the right to cancel this Agreement at any time, with or without cause and without prior notice. Your termination of Online and/or Mobile Banking will automatically terminate any pending transfers or payments scheduled using the schedule transfer option. This does not include scheduled or pending bill payments. Examples of when WESTconsin Credit Union may cancel this Agreement and the use of Online and/or Mobile Banking without prior notice include, but are not limited to the following: • if you breach this or any other Agreement WESTconsin Credit Union may have with you; • if WESTconsin Credit Union has reason to believe that there has been or may be an unauthorized use of your password or account(s); • if there are conflicting claims as to the funds in any of your account(s); • if you or any subusers on your account(s) partake in any financial abusive behavior with said accounts; • if you request WESTconsin Credit Union to do so You may access your account information through WESTconsin Online and/or Mobile Banking 24 hours a day 7 days a week, except during scheduled maintenance timeframes or in the event of service interruptions beyond the control of WESTconsin Credit Union. WESTconsin Credit Union will use reasonable efforts to provide or restore WESTconsin Online and/or Mobile Banking in a prompt manner but makes no guarantee that WESTconsin Online and/or Mobile Banking shall be without interruption.

Liability for Unauthorized Access. You are responsible for all transactions transfers you authorizeauthorize under this Agreement. If you permit someone else other persons to use the passwordOnline and Mobile Account Access services or your security access items, you are responsible for any transactions they authorize or conduct on any of your accounts. Notify Please notify us at once immediately if you believe anyone has used your password has been lost security access items or stolen, accessed your Updated February 2019 accounts through the Online or an unauthorized person has obtained your account Mobile Account Access services without your permission. An immediate hold can be placed on your account blocking online and mobile accessauthorization. Telephoning is the best way of keeping your possible losses down. If you believe anyone has used tell us within two business days, you cannot lose more than fifty dollars ($50.00) if someone accesses your password or accessed your account through WESTconsin Online and/or Mobile Banking accounts without your authorization, please contact us immediately, during business hours by calling (▇▇▇) ▇▇▇-▇▇▇▇permission. WESTconsin Credit Union is not liable for failure to make transfers: • If you do not have adequate funds in your account to complete a transaction • If your account is closed • If tell us within two business days after you learn of the transaction amount exceeds your available line of credit limit • If the funds in your account are subject to an administrative hold, legal process, or other claim • If you have not provided accurate instructions • If WESTconsin Online and/or Mobile Banking is not working properly • If your computer or mobile device malfunctions • Or any other circumstance occurs beyond WESTconsin’s control Notwithstanding any other provision in this Agreement, unless otherwise prohibited by law or based on our negligence, our sole responsibility for an error by us or our third party provider in transferring funds or otherwise arising from or relating to this Agreement will be to correct any errors, but in no case will we be liable for any indirect, special, incidental or consequential damages in connection with or in any way related to Online and/or Mobile Banking services or ours or your performance thereunder. You agree to indemnify and hold us harmless from any and all claims, demands, actions, suits, damages, judgments, liabilities, costs and expenses, and attorneys' fees arising out of or resulting from your use of WESTconsin’s Online and/or Mobile Banking services or your breach of any of your obligations under this Agreement, including but not limited to authorized and unauthorized transactions, account access (subusers allowing others to use their usernames and passwords), and account reset as authorized. Your obligation to indemnify us shall survive termination of this Agreement. Termination of WESTconsin Online and/or Mobile Banking We may terminate your use of WESTconsin Online and/or Mobile Banking at any time without prior notification if you or an Authorized User of your account breaches this or any other agreement with us; or if we have reason to believe there has been unauthorized use of your account or passwordsecurity access items, and we can prove that we could have stopped someone from accessing your account without your permission if you had told us, you could lose as much as five hundred dollars ($500.00). In any event your liability for unauthorized line of credit transactions through the Online or Mobile Account Access services is fifty dollars ($50.00). Our business days are Monday through Friday, until 5:30pm. Weekend and holidays are not included. Online and Mobile Account Access is available 24 hours a day, seven days a week. Online and Mobile Account Access may be inaccessible for a reasonable period for system maintenance, but we will work to minimize such interruptions in service. We shall not be liable under this Agreement for failure to provide access. Termination of Service Your enrollment in the Online or Mobile Account Access services shall be determined at our sole discretion, subject to applicable law, we reserve the right to modify, suspend or terminate your Online or Mobile Account Access at any time and for any reason without notice. You and any other party to your or another owner on the account can terminate this Agreement by notifying us via email at ▇▇▇▇@▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ or by phone at ▇▇▇.▇▇▇.▇▇▇▇. Termination of service will be effective no later than the first business day following receipt of your use of WESTconsin Online and/or Mobile Banking by calling us. However, notification; however termination of Online and/or Mobile Banking services or the system this Agreement will not affect the rights and responsibilities of the parties under this Agreement for transactions initiated before prior to termination. We also reserve If there are certain charges for additional features within the right to cancel this Agreement Online or Mobile Account Access services, they will be set forth on our Fee Schedule. A copy of the Fee Schedule can be located on our website ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ or you may request a paper copy at any time by calling us at ▇▇▇.▇▇▇.▇▇▇▇. From time to time, with or without cause and without prior notice. Your termination of Online and/or Mobile Banking will automatically terminate any pending transfers or payments scheduled using the schedule transfer option. This does not include scheduled or pending bill payments. Examples of when WESTconsin Credit Union may cancel this Agreement and the use of Online and/or Mobile Banking without prior notice include, but are not limited to the following: • if you breach this or any other Agreement WESTconsin Credit Union may have with you; • if WESTconsin Credit Union has reason to believe that there has been or charges may be an unauthorized use changed. We will notify you of any changes in the specified period of time, as required by law. If you request a transfer from a line of credit, such transactions may be subject to charges under the terms and conditions of your password or account(s); • if there are conflicting claims as to the funds in any of your account(s); • if you or any subusers on your account(s) partake in any financial abusive behavior with said accounts; • if you request WESTconsin Credit Union to do so You may access your account information through WESTconsin Online and/or Mobile Banking 24 hours a day 7 days a week, except during scheduled maintenance timeframes or in the event of service interruptions beyond the control of WESTconsin Credit Union. WESTconsin Credit Union will use reasonable efforts to provide or restore WESTconsin Online and/or Mobile Banking in a prompt manner but makes no guarantee that WESTconsin Online and/or Mobile Banking shall be without interruptionoriginal loan agreement.

Liability for Unauthorized Access. You are responsible for all transactions you authorize. If you permit someone else to use the your password, you are responsible for any transactions they authorize or conduct on any of your accounts. Notify us at once if you believe your password has been lost or stolen, or an unauthorized person has obtained your account without your permission. An immediate hold can be placed on your account blocking online and mobile access. Telephoning is the best way of keeping your possible losses down. If you believe anyone has used your password or accessed your account through WESTconsin Online and/or Mobile Banking Business Connect without your authorization, please contact us immediately, during business hours by calling (▇▇▇) ▇▇▇-▇▇▇▇. WESTconsin Credit Union is not liable for failure to make transfers: • If you do not have adequate funds in your account to complete a transaction • If your account is closed • If the transaction amount exceeds your available line of credit limit • If the funds in your account are subject to an administrative hold, legal process, or other claim • If you have not provided accurate instructions • If WESTconsin Online and/or Mobile Banking Business Connect is not working properly • If your computer or mobile device malfunctions • Or any other circumstance occurs beyond WESTconsin’s control Notwithstanding any other provision in this Agreement, unless otherwise prohibited by law or based on our negligence, our sole responsibility for an error by us or our third party provider in transferring funds or otherwise arising from or relating to this Agreement will be to correct any errors, but in no case will we be liable for any indirect, special, incidental or consequential damages in connection with or in any way related to Online and/or Mobile Banking services or ours or your performance thereunder. You agree to indemnify and hold us harmless from any and all claims, demands, actions, suits, damages, judgments, liabilities, costs and expenses, and attorneys' fees arising out of or resulting from your use of WESTconsin’s Online and/or Mobile Banking services or your breach of any of your obligations under this Agreement, including but not limited to authorized and unauthorized transactions, account access (subusers allowing others to use their usernames and passwords), and account reset as authorized. Your obligation to indemnify us shall survive termination of this Agreement. Termination of WESTconsin Online and/or Mobile Banking Business Connect We may terminate your use of WESTconsin Online and/or Mobile Banking Business Connect at any time without prior notification if you or an Authorized User of your account breaches this or any other agreement with us; or if we have reason to believe there has been unauthorized use of your account or password. You and any other party to your account can terminate your use of WESTconsin Online Business Connect and/or Mobile Banking by calling usus or by completing the Business Connect Enrollment & Maintenance Form. However, termination of Online and/or Mobile Banking services or the system your Business Connect account will not affect the rights and responsibilities of the parties under this Agreement for transactions initiated before termination. We also reserve the right to cancel this Agreement at any time, with or without cause and without prior notice. Your termination of Online WESTconsin Business Connect and/or Mobile Banking will automatically terminate any pending transfers or payments scheduled using the schedule transfer option. This does not include scheduled or pending bill payments. Examples of when WESTconsin Credit Union may cancel this Agreement and the use of Online WESTconsin Business Connect and/or Mobile Banking without prior notice include, but are not limited to the following: • if you breach this or any other Agreement WESTconsin Credit Union may have with you; • if WESTconsin Credit Union has reason to believe that there has been or may be an unauthorized use of your password or account(s); • if there are conflicting claims as to the funds in any of your account(s); • if you or any subusers Business Administrators or Users on your account(s) partake in any financial abusive behavior with said accounts; • if you request WESTconsin Credit Union to do so You may access your account information through WESTconsin Online and/or Mobile Banking Business Connect 24 hours a day day, 7 days a week, except during scheduled maintenance timeframes or in the event of service interruptions beyond the control of WESTconsin Credit Union. WESTconsin Credit Union will use reasonable efforts to provide or restore WESTconsin Online and/or Mobile Banking Business Connect in a prompt manner but makes no guarantee that WESTconsin Online and/or Mobile Banking Business Connect shall be without interruption, this includes your ability to access and process ACH and Wire transactions.