Common use of Your Liability for Unauthorized Transactions Clause in Contracts

Your Liability for Unauthorized Transactions. You agree to exercise reasonable control over your PIN(s); user ID(s); and password(s) and any other access code related to your Transaction Account and your Card (each, an “Access Code"). If you believe the Card or Access Code has been lost, compromised or stolen, immediately notify us verbally or via email by using the cardholder support contact information. If you believe the Card has been lost or stolen, or that someone has transferred money or may transfer money from your Transaction Account without your permission, notify us verbally or via email by using the cardholder support contact information. We may suspend or cancel your Card or corresponding Transaction Account in the event of excessive reports of Card loss or theft. Under the Mastercard Rules, you will not be held responsible for unauthorized transactions if you have used reasonable care in protecting your Card from loss or theft and you have promptly reported to us when you knew that your Card was lost or stolen. Zero Liability does not apply to Mastercard payment cards that are used for commercial purposes or anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us). In the event that Mastercard Zero Liability does not apply, if you notify us within two (2) business days after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used your Card without your permission. If you do not notify us within two (2) business days after you learn of the loss or theft of your Card and we can prove that we could have stopped someone from using your Card without your permission if you had promptly notified us, you could lose as much as $500.00.

Your Liability for Unauthorized Transactions. You agree to exercise reasonable control over your PIN(s); user ID(s); and password(s) and any other access code related to your Transaction Account and your Debit Card (each, an “Access Code"). If you believe the Debit Card or Access Code has been lost, compromised or stolen, immediately notify contact us verbally at ▇▇▇-▇▇▇-▇▇▇▇ or via email by using us at ▇▇▇▇▇▇▇▇▇▇▇@▇▇▇▇▇.▇▇▇. Telephoning is the cardholder support contact informationbest way to minimize your possible losses. If you believe the Debit Card has been lost or stolen, stolen call ▇▇▇-▇▇▇-▇▇▇▇ or that someone has transferred money or may transfer money from your Transaction Account without your permission, notify us verbally or via email by using the cardholder support contact informationat ▇▇▇▇▇▇▇▇▇▇▇@▇▇▇▇▇.▇▇▇. We may suspend or cancel your Debit Card or corresponding Transaction Account in the event of excessive reports of Debit Card loss or theft. Under the Mastercard Rules, particularly Zero Liability, you will not be held responsible for unauthorized transactions if you have used reasonable care in protecting your Debit Card from loss or theft and you have promptly reported to us when you knew that your Debit Card was lost or stolen. Zero Liability does not apply to Mastercard payment cards that are used for commercial purposes or anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us)cards. In the event that Mastercard Zero Liability does not apply, if you notify us within two (2) business days after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used your Debit Card 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 and we can prove that we could have stopped someone from using your Debit Card without your permission if you had promptly notified us, you could lose as much as $500.00. Also, if your statement shows transactions that you did not make, including those made by card, code or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. Also, if you become aware of and/or your statement shows transactions you did not make, notify us at once following the procedures stated in Section XVIII (Your Right to Dispute Errors). If you do not notify us within sixty (60) days after you become aware of the transaction and/or after the statement was made available to you, you may not get back any value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the value if you had notified us in time. You will not be liable for unauthorized use that occurs after you notify us of the loss, theft or unauthorized use of your Debit Card or Access Code(s). You also agree to cooperate completely with us and the Bank in attempts to recover funds from unauthorized users and to assist in their prosecution. The Bank may issue replacement Debit Card(s) or Access Code(s), but only after you have provided such proof and security or indemnification as the Bank may require. In addition, you acknowledge that the Bank may have to deactivate your Debit Card(s) to prevent future losses. If you share your Debit Card(s) or Access Code(s) with another person, use of your Debit Card by that person may be considered as authorized. If you authorize another person to use your Debit Card or Access Code(s), you agree that you will be liable for all transactions arising from use of the Debit Card or Access Code(s) by such person except as otherwise set forth in this Agreement. In all cases, our liability for an unauthorized transaction is limited to reimbursing you for the face amount of the unauthorized transaction and any corresponding fees, except as otherwise required by applicable law. A transaction is unauthorized if it is not initiated by you, you did not give permission to make the transaction or you do not benefit from the transaction in any way.

Your Liability for Unauthorized Transactions. You agree to exercise reasonable control over your PIN(s); user ID(s); and password(s) and any other access code related to your Transaction Account and Tell us AT ONCE if you believe your Card (each, an “Access Code"). If you believe the Card or Access Code has been lost, compromised or stolen, immediately notify us verbally or via email by using the cardholder support contact information. If you believe the Card PIN has been lost or stolen, or if you believe that someone an electronic fund transfer has transferred money or may transfer money been made without your permission using information from your Transaction Account without Card. Telephoning is the best way of keeping your permission, notify us verbally or via email by using possible losses down. You could lose all the cardholder support contact information. We may suspend or cancel money in your Card or corresponding Transaction Account in the event of excessive reports of Card loss or theft. Under the Mastercard Rules, you will not be held responsible for unauthorized transactions if you have used reasonable care in protecting your Card from loss or theft and you have promptly reported to us when you knew that your Card was lost or stolen. Zero Liability does not apply to Mastercard payment cards that are used for commercial purposes or anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us). In the event that Mastercard Zero Liability does not apply, if you notify us within two (2) business days after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used your Card without your permissionaccount. If you do not notify tell us within two (2) 2 business days after you learn of the loss or theft of your Card or PIN, you can lose no more than $50 if someone used your Card or PIN without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft of your Card or PIN, and we can prove we could have stopped someone from using your Card or PIN without your permission if you had told us, you could lose as much as $500. Depending on the circumstances, you may qualify for zero liability under the MasterCard zero liability program. Also, if your statement shows transfers that you did not make, including those made by Card, code or other means, tell us at once. If you do not tell us within 60 days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history on which the error appeared, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If you believe your Card or PIN has been lost or stolen, call: ▇▇▇-▇▇▇-▇▇▇▇ or write to us at Prepaid Card Support, ▇▇▇ ▇▇▇▇ ▇▇▇, ▇▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇. You should also call the number or write to the address listed above if you believe an unauthorized transfer has been made using the information from your Card without your permission if you had promptly notified us, you could lose as much as $500.00permission.

Your Liability for Unauthorized Transactions. You agree to exercise reasonable control over your PIN(s); user ID(s); and password(s) and any other access code related to your Transaction Account and your Card (each, an “Access Code"). If Tell us AT ONCE if you believe the Card or Access Code has been lost, compromised or stolen, immediately notify us verbally or via email by using the cardholder support contact information. If you believe the Card your access device has been lost or stolen, stolen or that if you believe someone has transferred money used your card or may transfer money from access code or otherwise accessed your Transaction Account accounts without your permissionauthority. Telephoning is the best way of keeping your possible losses down. You are responsible for all electronic transactions you authorize. If you permit other persons to use an electronic funds transfer service, notify us verbally your card or via email by using the cardholder support contact information. We may suspend access device, your PIN or cancel your Card or corresponding Transaction Account in the event of excessive reports of Card loss or theft. Under the Mastercard Rulesaccess code, you will not be held are responsible for unauthorized any transactions they authorize or conduct on any of your accounts. If you link any of your accounts or services to a third-party application or payment service (including but not limited to Cash App, PayPal®, Zelle® or Venmo) you understand and agree that these are not Credit Union services; and any transactions you make will be subject to your agreements with the application or service provider. You understand that these applications and services do not provide the same protections from fraud or other misapplication of funds as traditional direct banking services. If we transfer any funds as directed by you or anyone you authorize to the application or third-party service provider such transfer(s) shall in all respects be an authorized transaction and we will have no further obligation or liability if you have used reasonable care in protecting your Card from loss the application or theft and you have promptly reported provider then transfers the funds to us when you knew a fraudster or the funds are otherwise misapplied. For electronic transactions that your Card was lost require the use of a PIN or stolen. Zero Liability does not apply to Mastercard payment cards that are used access code (except for commercial purposes or anonymous prepaid cards (until such time as the identity of the cardholder has been registered with usVisa debit card purchases). In the event that Mastercard Zero Liability does not apply, if you notify tell us within two (2) business days after you learn of any unauthorized transactions, you can lose no more than $50.00 50 if someone used your Card card without your permission. If you do not notify NOT tell us within two (2) business days after you learn of the loss or theft of your Card card, and we can prove we could have stopped someone from using your card without your permission if you had told us, you could lose as much as $500. Also, if your statement shows transfers that you did not make, including those made by card, code, or other means, Tell us AT ONCE. If you do not tell us within sixty (60) calendar days after the statement was mailed to you showing the first unauthorized transfer, you may not get back any money lost after the sixty (60) calendar days if we can prove that we could have stopped someone from using your Card without your permission making the transfers if you had promptly notified told us in time. If a good reason (such as extended travel or hospitalization) kept you from telling us, we may extend these time periods. If you could lose believe your card has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, contact the Credit Union at ▇.▇▇▇.▇▇▇.▇▇▇▇ or 803.469.8600 or write us at SAFE Federal Credit Union, P.O. Box 2008, Sumter, SC 29151. If there is an unauthorized Visa debit card purchase, and the transaction takes place on the Visa network, then your liability will be zero ($0). This provision limiting your liability does not apply to either Visa commercial (business) cards or ATM cash disbursements. Additionally, your liability with respect to unauthorized transactions may be greater than the above zero ($0) liability limit, to the extent allowed under applicable law, if: (1) we determine the unauthorized transaction was a result of gross negligence or fraud on your part; (2) you fail to provide us with a statement or affidavit of your claim within the time requested; (3) we determine the transaction was not “unauthorized” as much as $500.00defined below; or (4) you fail to report the loss, theft, or unauthorized use of your debit card of card number within a reasonable period of time. A reasonable period of time will be determined by the Credit Union in its sole discretion, but in no event will it be shorter than the time periods stated in the Error Resolution Section below. A transaction is considered “unauthorized” if it is initiated by someone other than you (the cardholder) without your actual or apparent authority, and you receive no benefit from the transaction. A transaction is not considered “unauthorized” if: (1) you furnish the card, card 35 number, or other identifying information to another person and give that person express or implied authority to perform one or more transactions and the person then exceeds that authority; or (2) for any other reason the Credit Union concludes the facts and circumstances do not reasonably support a claim of unauthorized use. In any case, to minimize your potential liability you should notify us of any unauthorized use no later than sixty (60) days after your statement was mailed to you.

Your Liability for Unauthorized Transactions. You agree to exercise reasonable control over your PIN(s); user ID(s); and password(s) and any other access code related to your Transaction Account and Tell us AT ONCE if you believe your Card (each, an “Access Code"). If you believe the Card or Access Code has been lost, compromised or stolen, immediately notify us verbally or via email by using the cardholder support contact information. If you believe the Card PIN has been lost or stolen, or if you believe that someone an electronic fund transfer has transferred money or may transfer money been made without your permission using information from your Transaction Account without Card. Telephoning is the best way of keeping your permission, notify us verbally or via email by using possible losses down. You could lose all the cardholder support contact information. We may suspend or cancel money in your Card or corresponding Transaction Account in the event of excessive reports of Card loss or theft. Under the Mastercard Rules, you will not be held responsible for unauthorized transactions if you have used reasonable care in protecting your Card from loss or theft and you have promptly reported to us when you knew that your Card was lost or stolen. Zero Liability does not apply to Mastercard payment cards that are used for commercial purposes or anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us). In the event that Mastercard Zero Liability does not apply, if you notify us within two (2) business days after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used your Card without your permissionaccount. If you do not notify tell us within two (2) 2 business days after you learn of the loss or theft of your Card or PIN, you can lose no more than $50 if someone used your Card or PIN without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft of your Card or PIN, and we can prove we could have stopped someone from using your Card or PIN without your permission if you had told us, you could lose as much as $500. Also, if your statement shows transfers that you did not make, including those made by card, code or other means, tell us at once. If you do not tell us within 60 days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history on which the error appeared, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If you believe your Card or PIN has been lost or stolen, call: ▇-▇▇▇-▇▇▇-▇▇▇▇, visit the following website, ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ or write to Convenient Cards, Inc. ▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇▇▇, ▇▇▇▇▇ ▇▇▇, ▇▇▇▇▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇. You should also call the number or write to the address listed above if you believe an unauthorized transfer has been made using the information from your Card without your permission if you had promptly notified us, you could lose as much as $500.00permission.

Your Liability for Unauthorized Transactions. You agree to exercise reasonable control over your PIN(s); user ID(s); and password(s) and any other access code related to your Transaction Account and your Card (each, an “Access Code"). If you believe the Card or Access Code has been lost, compromised or stolen, immediately notify contact us verbally at ▇▇▇-▇▇▇-▇▇▇▇ or via email by using us at ▇▇▇▇▇▇▇▇▇▇▇@▇▇▇▇▇.▇▇▇ Telephoning is the cardholder support contact informationbest way to minimize your possible losses. If you believe the Card has been lost or stolen, stolen call ▇▇▇-▇▇▇-▇▇▇▇ or that someone has transferred money or may transfer money from your Transaction Account without your permission, notify us verbally or via email by using the cardholder support contact informationat ▇▇▇▇▇▇▇▇▇▇▇@▇▇▇▇▇.▇▇▇. We may suspend or cancel your Card or corresponding Transaction Account in the event of excessive reports of Card loss or theft. Under the Mastercard Rules, you will not be held responsible for unauthorized transactions if you have used reasonable care in protecting your Card from loss or theft and you have promptly reported to us when you knew that your Card was lost or stolen. Zero Liability does not apply to Mastercard payment cards that are used for commercial purposes or anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us). In the event that Mastercard Zero Liability does not apply, if you notify us within two (2) business days after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used your Card without your permission. If you do not notify us within two (2) business days after you learn of the loss or theft of your Card and we can prove that we could have stopped someone from using your Card without your permission if you had promptly notified us, you could lose as much as $500.00. Also, if you become aware of and/or your statement shows transactions you did not make, notify us at once following the procedures stated in Section XVIII (Your Right to Dispute Errors). If you do not notify us within sixty (60) days after you become aware of the transaction and/or after the statement was made available to you, you may not get back any value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the value if you had notified us in time. You will not be liable for unauthorized use that occurs after you notify us of the loss, theft or unauthorized use of your Card or Access Code(s). You also agree to cooperate completely with us and the Bank in attempts to recover funds from unauthorized users and to assist in their prosecution. The Bank may issue replacement Card(s) or Access Code(s), but only after you have provided such proof and security or indemnification as the Bank may require. In addition, you acknowledge that the Bank may have to deactivate your Card(s) to prevent future losses. If you share your Card(s) or Access Code(s) with another person, use of your Card by that person may be considered as authorized. If you authorize another person to use your Card or Access Code(s), you agree that you will be liable for all transactions arising from use of the Card or Access Code(s) by such person except as otherwise set forth in this Agreement. In all cases, our liability for an unauthorized transaction is limited to reimbursing you for the face amount of the unauthorized transaction and any corresponding fees, except as otherwise required by applicable law. A transaction is unauthorized if it is not initiated by you, you did not give permission to make the transaction or you do not benefit from the transaction in any way.

Your Liability for Unauthorized Transactions. If You agree to exercise reasonable control over your PIN(s); user ID(s); and password(s) and any other access code related to your Transaction Account and your Card (each, an “Access Code"). If you believe tell Us within 2 business days after You learn of the Card or Access Code has been lost, compromised or stolen, immediately notify us verbally or via email by using the cardholder support contact information. If you believe the Card has been lost or stolen, or that someone has transferred money or may transfer money from your Transaction Account without your permission, notify us verbally or via email by using the cardholder support contact information. We may suspend or cancel your Card or corresponding Transaction Account in the event of excessive reports of Card loss or theft. Under the Mastercard Rules, you will not be held responsible for unauthorized transactions if you have used reasonable care in protecting your Card from loss or theft and you have promptly reported to us when you knew that your Card was lost of Your member number, password or stolen. Zero Liability does not apply to Mastercard payment cards that are used for commercial purposes or anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us). In the event that Mastercard Zero Liability does not applyother access codes, if you notify us within two (2) business days after you learn of any unauthorized transactions, you You can lose no more than $50.00 if someone used your Card them without your Your permission. If you You do not notify us NOT tell Us within two (2) 2 business days after you You learn of the loss or theft of your Card Your member number, password or other access codes, and we We can prove that we We could have stopped someone from using your Card them without your Your permission if you You had promptly notified ustold Us, you You could lose as much as $500.00. Also, if Your statement for a consumer account shows transfers covered by this Agreement that You did not make or authorize, tell Us at once. If You do not tell Us within 60 days after the statement was mailed to You, You may not get back any money lost after the 60 days if We can prove that We could have stopped someone from taking the money if You had told Us in time. If a good reason (such as a long trip or hospital stay) kept You from telling Us, We will extend the time periods. In Case of Errors or Questions About Transactions This section applies only to transactions covered by this Agreement. You may call at ▇▇▇.▇▇▇.▇▇▇▇ or write Us at DFCU Financial PO Box 6048, Dearborn, MI 48126-6048 as soon as You can, if You think Your statement is wrong or if You need more information about a transfer covered by this Agreement which is listed on the statement. We must hear from You no later than 60 days after We sent the FIRST statement on which the problem or error appeared. Tell Us Your name and account number (if any). Describe the error or transfer You are unsure about, and explain as clearly as You can why You believe it is an error and why You need more information. Tell Us the dollar amount of the suspected error. If You tell Us orally, We may require that You send Us Your complaint or question in writing so that We receive it within 10 business days. We will determine whether an error occurred within 10 business days after We hear from You and will correct any error promptly. If We need more time, however, We may take up to 45 days to investigate Your complaint or question. If We decide to do this, We will provisionally credit Your account within 10 business days for the amount You think is in error, so that You will have the use of the money during the time it takes Us to complete Our investigation. If We ask You to put Your complaint or question in writing and We do not receive it within 10 business days, We are not required to provisionally credit Your account. When the investigation is completed, We will make any necessary or appropriate adjustments to Your account. We will tell You the results within 3 business days after completing Our investigation. If We decide that there was no error or the error was different than You described, We will send You a written explanation. You may ask for copies of the documents that We used in Our investigation by contacting Us at the phone number or address listed above. This Agreement will stay in effect until it is changed or terminated. We have the right to terminate this Agreement at any time. We will ordinarily send You notice of any termination, but We are not required to do so unless applicable law requires such notice. Once We terminate this Agreement, no further or pending transfers will be made, including but not limited to any transfers scheduled in advance or any preauthorized recurring transfers. We may routinely terminate OnLine Banking service for members that have not used the service within the first 30 days after activation or if the service has been inactive for 180 days. We also have the right to make changes to this Agreement at any time. Your use of these services after any such change indicates that You agree with the changes or additions made to this Agreement. We will comply with any notice requirements under applicable law for such changes. If applicable law does not specify any notice requirements for the change, We will decide what kind of notice (if any) We will give You and the method of providing any such notice. You may terminate this Agreement at any time by notifying Us in writing. However any instructions from You to make transfers will continue in effect until We have received Your written notice of termination and have had a reasonable opportunity to act upon it. Once We have acted upon Your notice, no further or pending transfers will be made, including but not limited to any transfers scheduled in advance or any preauthorized recurring transfers. You are not permitted to alter or amend this Agreement or any related document without Our express written consent. Any attempt to do so will be void and unenforceable.

Your Liability for Unauthorized Transactions. You agree to exercise reasonable control over your PIN(s); user ID(s); and password(s) and any other access code related to your Transaction Account and Tell us AT ONCE if you believe your Card (each, an “Access Code"). If you believe the Card or Access Code has been lost, compromised or stolen, immediately notify us verbally or via email by using the cardholder support contact information. If you believe the Card PIN has been lost or stolen, or if you believe that someone an electronic fund transfer has transferred money or may transfer money been made without your permission using information from your Transaction Account without Card. Telephoning is the best way of keeping your permission, notify us verbally or via email by using possible losses down. You could lose all the cardholder support contact information. We may suspend or cancel money in your Card or corresponding Transaction Account in the event of excessive reports of Card loss or theft. Under the Mastercard Rules, you will not be held responsible for unauthorized transactions if you have used reasonable care in protecting your Card from loss or theft and you have promptly reported to us when you knew that your Card was lost or stolen. Zero Liability does not apply to Mastercard payment cards that are used for commercial purposes or anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us). In the event that Mastercard Zero Liability does not apply, if you notify us within two (2) business days after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used your Card without your permissionaccount. If you do not notify tell us within two (2) 2 business days after you learn of the loss or theft of your Card or PIN, you can lose no more than $50 if someone used your Card or PIN without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft of your Card or PIN, and we can prove we could have stopped someone from using your Card or PIN without your permission if you had told us, you could lose as much as $500. Also, if your statement shows transfers that you did not make, including those made by Card, code or other means, tell us at once. If you do not tell us within 60 days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history on which the error appeared, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If you believe your Card or PIN has been lost or stolen, call: ▇▇▇-▇▇▇-▇▇▇▇ or write to us at CoreCard, ▇▇▇ ▇▇▇▇ ▇▇▇, ▇▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇. You should also call the number or write to the address listed above if you believe an unauthorized transfer has been made using the information from your Card without your permission if you had promptly notified us, you could lose as much as $500.00permission.

Your Liability for Unauthorized Transactions. You agree to exercise reasonable control over your PIN(s); user ID(s); and password(s) and any other access code related to your Transaction Account and your Card (each, an “Access Code"). If Tell us AT ONCE if you believe the Card your Card, PIN or Online Banking Access Code has been lost, compromised or stolen, immediately notify us verbally or via email by using the cardholder support contact information. If you believe the Card ID and Passcode (hereinafter referred to as ‘Access Device’) has been lost or stolen, or if you believe that someone an electronic fund transfer has transferred money or may transfer money been made without your permission using information from your Transaction Account without check. Telephoning us is the best way of keeping your permission, notify us verbally or via email by using possible losses down. You could lose all the cardholder support contact information. We may suspend or cancel money in your Card or corresponding Transaction Account in the event of excessive reports of Card loss or theft. Under the Mastercard Rules, you will not be held responsible for unauthorized transactions if you have used reasonable care in protecting your Card from loss or theft and you have promptly reported to us when you knew that your Card was lost or stolen. Zero Liability does not apply to Mastercard payment cards that are used for commercial purposes or anonymous prepaid cards account (until such time as the identity of the cardholder has been registered with usplus any amount accessible through Check Support Service). In the event that Mastercard Zero Liability does not apply, if If you notify tell us within two (2) business banking days after you learn of any unauthorized transactionsthe loss or theft, you can lose no more than $50.00 if someone used your Card Access Device without your permission. If you do NOT tell us within two (2) banking days after the loss or theft of your Access Device, and we can prove we could have stopped someone from using your Access Device without your permission if you had told us, you could lose as much as $500.00. You are not liable for any losses from your Visa® Debit Card if you notify us within two (2) business banking days of discovery that the card was lost or stolen. If you do not tell us within two (2) banking days after you learn of the loss or theft of your Card Visa® Debit Card, and we can prove that we could have stopped someone from using your Visa® Debit Card without your permission if you had promptly notified told us, you could can lose as much as $500.0050.00. Also, if your statement shows transfers that you did not make, including those made by card, code or other means, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may not get back any money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or hospital stay) kept you from telling us, we may extend the time periods.

Your Liability for Unauthorized Transactions. If You agree to exercise reasonable control over your PIN(s); user ID(s); and password(s) and any other access code related to your Transaction Account and your Card (each, an “Access Code"). If you believe tell Us within 2 business days after You learn of the Card or Access Code has been lost, compromised or stolen, immediately notify us verbally or via email by using the cardholder support contact information. If you believe the Card has been lost or stolen, or that someone has transferred money or may transfer money from your Transaction Account without your permission, notify us verbally or via email by using the cardholder support contact information. We may suspend or cancel your Card or corresponding Transaction Account in the event of excessive reports of Card loss or theft. Under the Mastercard Rules, you will not be held responsible for unauthorized transactions if you have used reasonable care in protecting your Card from loss or theft and you have promptly reported to us when you knew that your Card was lost of Your member number, password or stolen. Zero Liability does not apply to Mastercard payment cards that are used for commercial purposes or anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us). In the event that Mastercard Zero Liability does not applyother access codes, if you notify us within two (2) business days after you learn of any unauthorized transactions, you You can lose no more than $50.00 if someone used your Card them without your Your permission. If you You do not notify us NOT tell Us within two (2) 2 business days after you You learn of the loss or theft of your Card Your member number, password or other access codes, and we We can prove that we We could have stopped someone from using your Card them without your Your permission if you You had promptly notified ustold Us, you You could lose as much as $500.00. Also, if Your statement for a consumer account shows transfers covered by this Agreement that You did not make or authorize, tell Us at once. If You do not tell Us within 60 days after the statement was mailed to You, You may not get back any money lost after the 60 days if We can prove that We could have stopped someone from taking the money if You had told Us in time. If a good reason (such as a long trip or hospital stay) kept You from telling Us, We will extend the time periods. In Case of Errors or Questions About Transactions This section applies only to transactions covered by this Agreement. You may call at ▇▇▇.▇▇▇.▇▇▇▇ or write Us at DFCU Financial PO Box 6048, Dearborn, MI 48121-6048 as soon as You can, if You think Your statement is wrong or if You need more information about a transfer covered by this Agreement which is listed on the statement. We must hear from You no later than 60 days after We sent the FIRST statement on which the problem or error appeared. Tell Us Your name and account number (if any). Describe the error or transfer You are unsure about, and explain as clearly as You can why You believe it is an error and why You need more information. Tell Us the dollar amount of the suspected error. If You tell Us orally, We may require that You send Us Your complaint or question in writing so that We receive it within 10 business days. We will determine whether an error occurred within 10 business days after We hear from You and will correct any error promptly. If We need more time, however, We may take up to 45 days to investigate Your complaint or question. If We decide to do this, We will provisionally credit Your account within 10 business days for the amount You think is in error, so that You will have the use of the money during the time it takes Us to complete Our investigation. If We ask You to put Your complaint or question in writing and We do not receive it within 10 business days, We are not required to provisionally credit Your account. When the investigation is completed, We will make any necessary or appropriate adjustments to Your account. We will tell You the results within 3 business days after completing Our investigation. If We decide that there was no error or the error was different than You described, We will send You a written explanation. You may ask for copies of the documents that We used in Our investigation by contacting Us at the phone number or address listed above. This Agreement will stay in effect until it is changed or terminated. We have the right to terminate this Agreement at any time. We will ordinarily send You notice of any termination, but We are not required to do so unless applicable law requires such notice. Once We terminate this Agreement, no further or pending transfers will be made, including but not limited to any transfers scheduled in advance or any preauthorized recurring transfers. We may routinely terminate Online Banking service for members that have not used the service within the first 30 days after activation or if the service has been inactive for 180 days. We also have the right to make changes to this Agreement at any time. Your use of these services after any such change indicates that You agree with the changes or additions made to this Agreement. We will comply with any notice requirements under applicable law for such changes. If applicable law does not specify any notice requirements for the change, We will decide what kind of notice (if any) We will give You and the method of providing any such notice. You may terminate this Agreement at any time by notifying Us in writing. However any instructions from You to make transfers will continue in effect until We have received Your written notice of termination and have had a reasonable opportunity to act upon it. Once We have acted upon Your notice, no further or pending transfers will be made, including but not limited to any transfers scheduled in advance or any preauthorized recurring transfers. You are not permitted to alter or amend this Agreement or any related document without Our express written consent. Any attempt to do so will be void and unenforceable.

Your Liability for Unauthorized Transactions. You agree to exercise reasonable control over If you believe your PIN(s); user ID(s); and password(sCard has been lost or stolen or you believe a transaction has been made without your permission using information from your Card or Account or you believe your Account credentials have been used without your permission tell us AT ONCE. Please FREEZE the relevant Card(s) via the GoodCash Application. Reporting your Card lost or stolen, and any other access code related unauthorized or unexpected activity to ▇▇▇▇▇▇▇@▇▇▇▇▇▇▇▇.▇▇▇ as soon as possible is the best way of keeping your Transaction Account possible losses down. You could lose all the money available to spend on your Card and your Card (each, an “Access Code")Funding Account. If you believe tell us within two business days after you learn of the loss or theft of your Card, you can lose no more than $50 if someone used your Card or Access Code has been lost, compromised or stolen, immediately notify us verbally or via email by using the cardholder support contact informationwithout your permission. If you believe do NOT tell us within two business days after you learn of the loss or theft of your Card, and we can prove that we could have stopped someone from using your Card, without your permission if you had told us, you could lose as much as $500. Also, if your periodic statement (if applicable) or transaction history (if applicable) shows transactions you did not make, notify GoodCash at once following the procedures stated in Section C.3 of this Agreement. If you do not notify GoodCash within sixty (60) days after the periodic statement or account history was sent or made available to you, you may not get back any money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the value if you had notified GoodCash in time. If a good reason (such as a long trip or hospital stay) kept you from telling us, we may extend the time periods. If the Card has been lost or stolen, or that someone has transferred money or the Card may transfer money from be blocked to keep losses down and/or, if there is a physical Card associated with the Account, a replacement may be sent to you. You agree to cooperate reasonably with us and the Issuer in our attempts to recover funds from, and to assist in the prosecution of, any unauthorized users of your Transaction Account without your permission, notify us verbally or via email by using the cardholder support contact informationCard. We may suspend or cancel your Card or and corresponding Transaction Account in the event of excessive reports of Card loss or theft. Under You agree that any unauthorized use does not include use by a person to whom you have given authority to use the Mastercard Rules, Card or PIN and that you will not be held responsible liable for unauthorized transactions all such uses by such person. For example, if you have used reasonable care in protecting given your Card from loss or theft Card information to another person to use, such as a friend or relative, you are responsible for that person's transactions with your Card, and if you have promptly reported to us when you knew that given your Card was lost or stolen. Zero Liability does not apply information to Mastercard payment cards that are used a merchant for commercial purposes or anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us). In the event that Mastercard Zero Liability does not apply, if you notify us within two (2) business days after you learn of any unauthorized transactionsa transaction, you can lose no more than $50.00 if someone used your have given authority to that merchant to debit the Card without your permission. If you do not notify us within two (2) business days after you learn of the loss or theft of your Card and we can prove for that we could have stopped someone from using your Card without your permission if you had promptly notified us, you could lose as much as $500.00transaction.

Your Liability for Unauthorized Transactions. You agree to exercise reasonable control over your PIN(s); user ID(s); and password(s) and any other access code related to your Transaction Account and your Card (each, an “Access Code"). If Tell us AT ONCE if you believe the Card or Access Code has been lost, compromised or stolen, immediately notify us verbally or via email by using the cardholder support contact information. If you believe the your Card has been lost or stolen, or if you believe that someone an electronic fund transfer has transferred money or may transfer money from your Transaction Account been made without your permission, notify us verbally or via email by using . Calling Customer Service is the cardholder support contact informationbest way of keeping your possible losses down. We may suspend or cancel You could lose all the money in your Card or corresponding Transaction Account in the event of excessive reports of Card loss or theftaccount. Under the Mastercard Rules, If you will not be held responsible for unauthorized transactions if you have used reasonable care in protecting your Card from loss or theft and you have promptly reported to us when you knew that your Card was lost or stolen. Zero Liability does not apply to Mastercard payment cards that are used for commercial purposes or anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us). In the event that Mastercard Zero Liability does not apply, if you notify tell us within two (2) 2 business days after you learn of any unauthorized transactionsthe loss or theft of your Card, you can lose no more than $50.00 50 if someone used your Card without your permission. If you do not notify NOT tell us within two (2) 2 business days after you learn of the loss or theft of your Card Card, and we can prove that we could have stopped someone from using your Card without your permission if you had promptly notified told us, you could lose as much as $500.00500. Also, if your electronic history shows transfers that you did not make, including those made by your Card or other means, tell us at once. If you do not tell us within 60 days after the earlier of the date you electronically accessed your account (if the unauthorized transfer could be viewed in your electronic history), or the date we sent the FIRST written history on which the unauthorized transfer appeared, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. Under Mastercard’s Zero Liability Policy, your liability for unauthorized transactions on your Mastercard-branded Card is $0.00 if you notify us promptly upon becoming aware of the loss or theft, and you exercised reasonable care in safeguarding your Card from loss, theft, or unauthorized use. This policy limiting your liability does not apply to debit transactions not processed by Mastercard, certain commercial transactions, or unregistered cards.

Your Liability for Unauthorized Transactions. You agree to exercise reasonable control over your PIN(s); user ID(s); and password(s) and any other access code related to your Transaction Account and An unauthorized transaction means a transaction using your Card (each, an “Access Code")that is initiated by another person without your authority to initiate the transaction and from which you receive no benefit. If you believe The term does not include any transaction that is initiated by a person who was furnished with the Card or Access Code has been lostyour PIN by you, compromised or stolen, immediately notify unless you have notified us verbally or via email that transactions by using the cardholder support contact informationthat person are no longer authorized and we have had reasonable opportunity to act on that notification. If • Tell us AT ONCE if you believe the your Card or PIN has been lost or stolen, stolen or that someone has transferred is subject to unauthorized use. Telephoning us at the number provided in this Agreement is the best way of keeping your possible losses down. You could lose all your money or may transfer money from on your Transaction Account without your permission, notify us verbally or via email by using the cardholder support contact information. We may suspend or cancel your Card or corresponding Transaction Account in the event of excessive reports of Card loss or theft. Under the Mastercard Rules, you will not be held responsible for unauthorized transactions if you have used reasonable care in protecting your Card from loss or theft and you have promptly reported to us when you knew that your Card was lost or stolen. Zero Liability does not apply to Mastercard payment cards that are used for commercial purposes or anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us). In the event that Mastercard Zero Liability does not apply, if you notify us within two (2) business days after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used your Card without your permissionCard. If you do not notify tell us within two (2) business days after you learn of the loss or theft of your Card or PIN, you can lose no more than $50 if someone used your Card or PIN without your permission. • If you do NOT tell us within two (2) business days after you learn of the loss or theft of your Card or PIN, and we can prove we could have stopped someone from using your Card or PIN without your permission if you had told us, you could lose as much as $500. • Also, if your Card transaction history shows any transaction that you did not make, tell us at once. If you do not tell us within the earliest of (i) 60 days after the date you electronically accessed your Card transaction history on which the transaction appeared, (ii) 60 days after the date we sent you the FIRST written transaction history on which the transaction appeared, or (iii) 120 days after the transaction was credited or debited to your Card, you may not get back any money you lost after the 60 days or 120 days, as applicable, if we can prove that we could have stopped someone from using your Card without your permission taking the money if you had promptly notified told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. • You agree to cooperate completely with us in our attempts to recover funds from unauthorized users and to assist in their prosecution. • We will extend to you could lose as much as $500.00the benefits of Visa’s zero liability policy in effect at the time of any unauthorized use. In the event that no zero liability policy applies, the provisions above will apply.

Your Liability for Unauthorized Transactions. Tell us IMMEDIATELY if you believe your password has been lost or stolen and immediately change your password from within the Online Banking section. Calling is the best way to notify us. You agree to exercise reasonable control over could lose all the money in your PIN(s); user ID(s); and password(s) and any other access code related to account (plus your Transaction Account and your Card (each, an “Access Code"maximum courtesy pay). If you believe the Card or Access Code has been lost, compromised or stolen, immediately notify us verbally or via email by using the cardholder support contact information. If you believe the Card has been lost or stolen, or that someone has transferred money or may transfer money from your Transaction Account without your permission, notify us verbally or via email by using the cardholder support contact information. We may suspend or cancel your Card or corresponding Transaction Account in the event of excessive reports of Card loss or theft. Under the Mastercard Rules, you will not be held responsible for unauthorized transactions if you have used reasonable care in protecting your Card from loss or theft and you have promptly reported to us when you knew that your Card was lost or stolen. Zero Liability does not apply to Mastercard payment cards that are used for commercial purposes or anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us). In the event that Mastercard Zero Liability does not apply, if you notify tell us within two (2) business days after you learn of any unauthorized transactionsdays, you can lose no more than $50.00 50 if someone used your Card password without your permission. Also, if your statement shows transfers that you did not make, tell us at once. If you do not notify tell us within two sixty (260) business days after the statement was mailed to you, you learn of may not get back any money you lost after the loss or theft of your Card and sixty (60) days if we can prove that we could have stopped someone from using your Card without your permission taking the money if you had promptly notified ustold us in time. If you believe your password has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call us at the telephone number listed below in the “How to Notify Us” section. In case of errors or questions about Online Banking; if you could lose think your statement is wrong; or if you need more information about a transfer listed on the statement, call or write us at the telephone number or address listed in this disclosure, as much soon as $500.00you can. We must hear from you no later than 60 days after we send the first statement on which the problem or error appeared. Include: • Your name and account number • Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is error or why you need more information • Tell us the dollar amount of the suspected error If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will tell you the results of our investigation within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this we will re-credit your account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or questions in writing and we do not receive it within 10 business days, we may not re-credit your account. If we decide that there was no error, we will send you a written explanation within three business days after we finish our investigation and your account will be adjusted accordingly. You may ask for copies of the documents that we used in our investigation.

Your Liability for Unauthorized Transactions. You agree to exercise reasonable control over your PIN(s); user ID(s); and password(s) and any other access code related to your Transaction Account and your Card (each, an “Access Code"). If Tell us AT ONCE if you believe the Card or Access that your Security Code has been lost, compromised or stolen, immediately notify us verbally or via email by using the cardholder support contact information. If you believe the Card has been lost or stolen, or if you believe that someone has transferred money used it or may use it to access your accounts and transfer money from your Transaction Account without your permission, notify us verbally or via email by using the cardholder support contact information. We may suspend or cancel your Card or corresponding Transaction Account in the event of excessive reports of Card loss or theft. Under the Mastercard Rules, you will not be held responsible for unauthorized transactions if you have used reasonable care in protecting your Card from loss or theft and you have promptly reported to us when you knew that your Card was lost or stolen. Zero Liability does not apply to Mastercard payment cards that are used for commercial purposes or anonymous prepaid cards (until such time as the identity of the cardholder believe than an electric fund transfer has been registered with us)made without your permission using information from your check. In Telephoning us is the event that Mastercard Zero Liability does not apply, if best way of keeping your possible losses down. You could lose all the money in your account plus any available credit on your line(s) of credit. If you notify tell us within two (2) business days after you learn of any unauthorized transactionslearning or suspecting that your Security Code was lost, stolen, or used by someone without your permission, you can lose no more than $50.00 if someone used your Card Security Code without your permission. If you do not NOT notify us within two (2) business days after you learn of the loss or theft of your Card Security Code, and we can prove that we could have stopped someone from using your Card Security Code without your permission if had you had promptly notified told us, you could lose as much as $500.00500. Also, if your statement shows transfers that you did not make, tell us AT ONCE. If you do not tell us within sixty (60) days after the statement was mailed or made available to you, you may not get back any money you lost after the sixty (60) days if we can prove that we could have prevented someone from taking the money had you told us in time. If a valid reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time period. If you believe your Security Code has been lost or stolen, call us at ▇▇▇.▇▇▇.▇▇▇▇, fax us at 808.871-5421, or write to us at Valley Isle Community Federal Credit Union, ▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇▇▇▇, ▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇. You should also call the number or write to the address listed above if you believe a transaction has been made using the information from your check without your permission. For purposes of these disclosures, our business days are Monday to Friday. Holidays are not included. In Case Of Errors Or Questions About Your Electronic Funds Transfers: Contact us at ▇▇▇.▇▇▇.▇▇▇▇, fax us at 808.871-5421, or write us at Valley Isle CFCU, ▇▇▇ ▇▇▇▇▇▇▇ ▇▇., ▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇, as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transaction listed on a statement or receipt. We must hear from you no later than sixty (60) days after we sent the FIRST statement on which the problem or error appeared 1.) Tell us your name and account number (if any).

Your Liability for Unauthorized Transactions. You agree to exercise reasonable control over your PIN(s); Access Code(s); user ID(s); and password(s) and any other access code method related to your Transaction Account and Card Account. Tell us AT ONCE if you believe your Card (each, an “Access Code"). If you believe the Card or Access Code has been lost, compromised or stolen, immediately notify us verbally or via email by using the cardholder support contact information. If you believe the Card PIN has been lost or stolen, or if you believe that someone an electronic fund transfer has transferred money or may transfer money been made without your permission using information from your Transaction Account without Card. Telephoning is the best way of keeping your permission, notify us verbally or via email by using possible losses down. You could lose all the cardholder support contact information. We may suspend or cancel money in your Card or corresponding Transaction Account in the event of excessive reports of Card loss or theft. Under the Mastercard Rules, you will not be held responsible for unauthorized transactions if you have used reasonable care in protecting your Card from loss or theft and you have promptly reported to us when you knew that your Card was lost or stolen. Zero Liability does not apply to Mastercard payment cards that are used for commercial purposes or anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us). In the event that Mastercard Zero Liability does not apply, if you notify us within two (2) business days after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used your Card without your permissionaccount. If you do not notify tell us within two (2) 2 business days after you learn of the loss or theft of your Card or PIN, you can lose no more than $50 if someone used your Card or PIN without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft of your Card or PIN, and we can prove we could have stopped someone from using your Card or PIN without your permission if you had told us, you could lose as much as $500. If you do not tell us within 60 days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history on which the error appeared, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If you believe your Card or PIN has been lost or stolen, call or email Card Services. You should also call the number or email the address listed at the beginning of this document if you believe an unauthorized transfer has been made using the information from your Card without your permission if permission. You will not be liable for unauthorized use that occurs after you had promptly notified usnotify us of the loss, theft or unauthorized use of your Card or Access Code(s). You also agree to cooperate completely with us in attempts to recover funds from unauthorized users and to assist in their prosecution. We may issue replacement Card(s) or Access Code(s) (PIN(s)), but only after you have provided such proof and security or indemnification as we may require. In addition, you could lose acknowledge that we may have to deactivate your Card(s) and/or Card Account to prevent future losses. If you share your Card(s) or Access Code(s) (PIN(s)) with another person, use of your Card Account by that person may be considered as much authorized. If you authorize another person to use your Card or Access Code(s) (PIN(s)), you agree that you will be liable for all transactions arising from use of the Card or Access Code(s) (PIN(s)) by such person except as $500.00otherwise set forth in this Agreement. In all cases, our liability for an unauthorized transaction is limited to reimbursing you for the face amount of the unauthorized transaction and any corresponding fees, except as otherwise required by applicable law. A transaction is unauthorized if it is not initiated by you, you did not give permission to make the transaction and you do not benefit from the transaction in any way.

Your Liability for Unauthorized Transactions. You agree to exercise reasonable control over your PIN(s); user ID(s); and password(s) and any other access code related to your Transaction Card Account and your Card (each, an “Access Code")) and your Card. If you believe the Card or Access Code has been lost, compromised or stolen, immediately notify contact us verbally at [Insert phone number] or via email by using us at [Insert Email Address]. Telephoning is the cardholder support contact informationbest way to minimize your possible losses. If you believe the Card has been lost or stolen, or that someone has transferred money or may transfer money from your Transaction Card Account without your permission, notify us verbally or via email by using the cardholder support contact information. at ▇▇▇▇▇▇▇@▇▇▇.▇▇ We may suspend or cancel your Card or and/or corresponding Transaction Card Account in the event of excessive reports of Card loss or theft. Under the Mastercard Visa Rules, you will not be held responsible for unauthorized transactions if you have used reasonable care in protecting your Card from loss or theft and you have promptly reported to us when you knew that your Card was lost or stolen. Zero Liability does not apply to Mastercard Visa payment cards that are used for commercial purposes or anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us). In the event that Mastercard Visa Zero Liability does not apply, if you notify us within two (2) business days after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used your Card without your permission. If you do not notify us within two (2) business days after you learn of the loss or theft of your Card and we can prove that we could have stopped someone from using your Card without your permission if you had promptly notified us, you could lose as much as $500.00. Also, if you become aware of and/or your statement shows transactions you did not make, notify us at once following the procedures stated in Section XVIII (Your Right to Dispute Errors). If you do not notify us within sixty (60) days after you become aware of the transaction and/or after the statement was made available to you, you may not get back any value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the value if you had notified us in time. You will not be liable for unauthorized use that occurs after you notify us of the loss, theft or unauthorized use of your Card or Access Code(s). You also agree to cooperate completely with us and the Bank in attempts to recover funds from unauthorized users and to assist in their prosecution. The Bank may issue replacement Card(s) or Access Code(s), but only after you have provided such proof and security or indemnification as the Bank may require. In addition, you acknowledge that the Bank may have to deactivate your Card(s) and/or Card Account to prevent future losses. If you share your Card(s) or Access Code(s) with another person, use of your Card Account by that person may be considered as authorized. If you authorize another person to use your Card or Access Code(s), you agree that you will be liable for all transactions arising from use of the Card or Access Code(s) by such person except as otherwise set forth in this Agreement. In all cases, our liability for an unauthorized transaction is limited to reimbursing you for the face amount of the unauthorized transaction and any corresponding fees, except as otherwise required by applicable law. A transaction is unauthorized if it is not initiated by you, you did not give permission to make the transaction or you do not benefit from the transaction in any way.

Your Liability for Unauthorized Transactions. You agree to exercise reasonable control over your PIN(s); user ID(s); and password(s) and any other access code related to your Transaction Account and Tell us AT ONCE if you believe your Card (each, an “Access Code"). If you believe the Card or Access Code has been lost, compromised or stolen, immediately notify us verbally or via email by using the cardholder support contact information. If you believe the Card PIN has been lost or stolenstolen or you believe a transaction has been made without your permission using information from your Card, your PIN, or that someone has transferred Card Account, or you could lose all the money or may transfer money from your Transaction Account without your permission, notify us verbally or via email by using the cardholder support contact information. We may suspend or cancel associated with your Card Account. Contact Customer Service immediately at the number or corresponding address provided below to keep possible losses to a minimum. Contacting Swipe by telephone at (▇▇▇) ▇▇▇-▇▇▇▇ is the best way to minimize possible losses. (a) Transaction Account in Routed Through the event of excessive reports of Card loss or theftVisa System. Visa Zero Liability Protection. Under the Mastercard Rules, you will not be held responsible Visa U.S.A. Inc. Operating Regulations. Your liability for unauthorized transactions using your Card Account that take place on the Visa system without a personal identification number (PIN) is $0.00 if you have used reasonable care are not grossly negligent or fraudulent in protecting the handling of your Card from loss or theft and you have promptly reported to us when you knew that your Card was lost or stolenCard. Zero Liability This reduced liability does not apply to Mastercard payment cards PIN transactions not processed by Visa (see Transactions Not Routed Through the Visa System below). (b) Transaction Not Routed Through the Visa System. Unauthorized transactions that are used for commercial purposes not routed through Visa are not protected by the Visa Liability Protection policy. These types of transactions include point of sale, PIN, PINless or anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us)other debit transactions not processed by Visa. In the event that Mastercard Zero Liability does not apply, if If you notify tell us within two (2) business days after you learn of any unauthorized transactionstransactions or the loss of your PIN, you can will lose no more than $50.00 50 if someone used accessed your Card Account without your permission. If you do not notify NOT tell us within two (2) business days after you learn of an unauthorized transaction or the loss or theft of your PIN, and we can prove we could have stopped someone from accessing your Card and Account without your permission if you had told us, you could lose as much as $500. Also, if your Card Account transaction history or other information shows transfers that you did not make or authorize, tell us at once. If you do not tell us within 60 days after the information is made available to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from using your Card without your permission taking the money if you had promptly notified told us in time. If a good reason (such as a long trip, a hospital stay, or other extenuating circumstances) kept you from telling us, you could lose as much as $500.00we will extend the times specified above to a reasonable period. You agree to cooperate reasonably with us in our attempts to recover funds from, and to assist in the prosecution of, any unauthorized users of your Card Account.

Your Liability for Unauthorized Transactions. Using the Card, PIN, or Card Account Number: You agree to exercise reasonable control over your PIN(s); user ID(s); and password(s) and any other access code related to your Transaction Account and notify Us IMMEDIATELY if you believe that your Card (each, an “Access Code"). If you believe the Card or Access Code PIN has been lost, compromised or stolen, immediately notify compromised, or subject to Unauthorized Use. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your Deposit Accounts (plus any funds in an overdraft line of credit or sweep account). You agree to take any reasonable actions We may request to prevent unauthorized Card use. You should provide this notice by calling or writing us verbally or via email by using at: ▇-▇▇▇-▇▇▇-▇▇▇▇ OR BBVA USA, Attention Customer Service, P.O. Box 10566, Birmingham, Alabama 35296. Telephoning is the cardholder support contact informationbest way to keep your possible losses down. For Unauthorized ATM and PIN Transactions: If you believe the your Card has been lost or lost, stolen, compromised, or that someone has transferred money or may transfer money from your Transaction Account without your permissionsubject to Unauthorized Use, notify us verbally or via email by using the cardholder support contact information. We may suspend or cancel your Card or corresponding Transaction Account in the event of excessive reports of Card loss or theft. Under the Mastercard Rules, you will not be held responsible for unauthorized transactions if you have used reasonable care in protecting your Card from loss or theft and you have promptly reported to us when you knew that your Card was lost or stolen. Zero Liability does not apply to Mastercard payment cards that are used for commercial purposes or anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us). In the event that Mastercard Zero Liability does not apply, if you notify us tell Us within two (2) business days after you learn learning of any unauthorized transactionsthe loss, theft, or possible Unauthorized Use, you can lose no more than $50.00 50 if someone used your Card and PIN without your permission. If For these transactions, if you do not notify us DO NOT tell Us within two (2) business days after you learn learning of the loss loss, theft or theft of your Card Unauthorized Use, and we We can prove that we We could have stopped someone from using your Card without your permission if you had promptly notified ustold Us in time, you could lose as much as $500.00500. If you are a California resident, you will not be liable for the $500 amount described in the prior sentence; however, if you fail to report an Unauthorized Use that appears on a periodic statement within 60 days of our transmittal or making available your periodic statement to you, then you may be liable for the amount of each unauthorized transfer that occurs after the close of the 60 days and before you provide notice to Us, unless the delay in notifying Us was due to extenuating circumstances beyond your reasonable control. For Unauthorized Visa Transactions: If the unauthorized Transaction was a Visa transaction, We agree to extend the benefits provided by the Visa Zero Liability program in effect at the time of the Unauthorized Use, as long as you notify Us within a reasonable period of time after the loss or theft of your Card or any Unauthorized Use of it. We will determine, in Our sole discretion, the reasonableness of any particular period of time based on the circumstances. If your own fraudulent action or gross negligence contributes to the Unauthorized Use of your Card for a Visa transaction, then your liability for that use will be determined as provided above in the “For Unauthorized ATM and PIN Transactions” section. Gross negligence includes but is not limited to your failure to fulfill your obligations under this Agreement, such as your obligations to review your statements and to report any lost, stolen, or compromised Card or Unauthorized Use. Notwithstanding the above two sections, if your periodic statement shows transfers that you did not make and you DO NOT tell Us within sixty (60) days after the statement was mailed or made available to you, you may not get back any money you lost after the sixty (60) day period if We can prove that We could have stopped someone from using your Card or PIN if you had told Us in time. If an extenuating circumstance (such as extended travel or hospitalization) prevents you from promptly notifying Us of suspected loss, theft or Unauthorized Use of your Card, the time periods specified in this paragraph may be extended for a reasonable period.

Your Liability for Unauthorized Transactions. You agree to exercise reasonable control over your PIN(s); user ID(s); and password(s) and any other access code related to your Transaction Account and your Card (each, an “Access Code"). If Tell us AT ONCE if you believe the your Card or Access Code has been lost, compromised or stolen, immediately notify us verbally or via email by using the cardholder support contact information. If you believe the Card Information has been lost or stolen, stolen or that someone has transferred money or may transfer money from your Transaction Account without your permission, notify us verbally or via email by using the cardholder support contact information. We may suspend or cancel your Card or corresponding Transaction Account in the event of excessive reports of Card loss or theft. Under the Mastercard Rules, you will not be held responsible for unauthorized transactions if you have used reasonable care in protecting your Card from loss or theft and you have promptly reported to us when you knew believe that your Card was lost or stolen. Zero Liability does not apply to Mastercard payment cards that are used for commercial purposes or anonymous prepaid cards (until such time as the identity of the cardholder a transaction has been registered with us). In the event that Mastercard Zero Liability does not apply, if you notify us within two (2) business days after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used your Card made without your permission. Your Card can be marked lost or stolen by telephoning us at 1-800- 824-9713. Reporting your card lost or stolen as soon as you are aware it’s missing is the best way to minimize your possible losses. You could lose all the money in your Account. If you do not notify tell us within two (2) business days after you learn of the loss or theft of your Card or Access Information you can lose no more than $50 if someone used your Card or Access Information without your permission. If you DO NOT tell us within two (2) business days after you learn of the loss or theft of your Card or Access Information, and we can prove that we could have stopped someone from using your Card or Access Information without your permission if you had promptly notified told us, you could lose as much as $500.00500. If your Card is a MasterCard Card, you will not be liable for the amounts stated above provided that the following preconditions are met: (i) Your Card is in good standing; (ii) You have exercised reasonable care in safeguarding your Card from any Unauthorized Use (e.g. you were not grossly negligent or fraudulent in the handling of your Card); and You have not reported two or more unauthorized events in the past twelve (12) months. Also, if your online or paper transaction history shows transfers you did not make, including those made by Card, code or other means, tell us at once. If you do not tell us within 60 days from the earlier of: (i) the date you electronically access your Card Account, if the unauthorized transfer could be viewed in your electronic history; or (ii) the date we sent the FIRST written history on which the unauthorized transfer appeared, you may not get back any money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. NOTE: MasterCard Zero Liability covers U.S.-issued cards only; and does not apply to ATM transactions, PIN transactions not processed by MasterCard, or certain commercial card transactions. Individual provisional credit amounts are provided on a provisional basis and may be withheld, delayed, limited, or rescinded by the Servicer based on factors such as gross negligence or fraud, delay in reporting unauthorized use, investigation and verification of claim and account standing and history. You must notify the Servicer immediately of any unauthorized use. The transaction(s) at issue must be posted to your account before provisional credit may be issued. If MasterCard Rules are changed to affect your liability, those changes will become applicable to your transactions under this Agreement upon notice to you as provided by law.

Your Liability for Unauthorized Transactions. You agree to exercise reasonable control over your PIN(s); user ID(s); and password(s) and any other access code related to your Transaction Account and your Card (each, an “Access Code"). If Tell us AT ONCE if you believe the your Card or Access Code has been lost, compromised or stolen, immediately notify us verbally or via email by using the cardholder support contact information. If you believe the Card Information has been lost or stolen, stolen or that someone has transferred money or may transfer money from your Transaction Account without your permission, notify us verbally or via email by using the cardholder support contact information. We may suspend or cancel your Card or corresponding Transaction Account in the event of excessive reports of Card loss or theft. Under the Mastercard Rules, you will not be held responsible for unauthorized transactions if you have used reasonable care in protecting your Card from loss or theft and you have promptly reported to us when you knew believe that your Card was lost or stolen. Zero Liability does not apply to Mastercard payment cards that are used for commercial purposes or anonymous prepaid cards (until such time as the identity of the cardholder a transaction has been registered with us). In the event that Mastercard Zero Liability does not apply, if you notify us within two (2) business days after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used your Card made without your permission. Your Card can be marked lost or stolen by telephoning us at 1-800- 384-2054. Reporting your card lost or stolen as soon as you are aware it’s missing is the best way to minimize your possible losses. You could lose all the money in your Account. If you do not notify tell us within two (2) business days after you learn of the loss or theft of your Card or Access Information you can lose no more than $50 if someone used your Card or Access Information without your permission. If you DO NOT tell us within two (2) business days after you learn of the loss or theft of your Card or Access Information, and we can prove that we could have stopped someone from using your Card or Access Information without your permission if you had promptly notified told us, you could lose as much as $500.00500. If your Card is a MasterCard Card, you will not be liable for the amounts stated above provided that the following preconditions are met: (i) Your Card is in good standing; (ii) You have exercised reasonable care in safeguarding your Card from any Unauthorized Use (e.g. you were not grossly negligent or fraudulent in the handling of your Card); and You have not reported two or more unauthorized events in the past twelve (12) months. Also, if your online or paper transaction history shows transfers you did not make, including those made by Card, code or other means, tell us at once. If you do not tell us within 60 days from the earlier of: (i) the date you electronically access your Card Account, if the unauthorized transfer could be viewed in your electronic history; or (ii) the date we sent the FIRST written history on which the unauthorized transfer appeared, you may not get back any money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. NOTE: MasterCard Zero Liability covers U.S.-issued cards only; and does not apply to ATM transactions, PIN transactions not processed by MasterCard, or certain commercial card transactions. Individual provisional credit amounts are provided on a provisional basis and may be withheld, delayed, limited, or rescinded by the Servicer based on factors such as gross negligence or fraud, delay in reporting unauthorized use, investigation and verification of claim and account standing and history. You must notify the Servicer immediately of any unauthorized use. The transaction(s) at issue must be posted to your account before provisional credit may be issued. If MasterCard Rules are changed to affect your liability, those changes will become applicable to your transactions under this Agreement upon notice to you as provided by law.

Your Liability for Unauthorized Transactions. You agree to exercise reasonable control over your PIN(s); user ID(s); and password(s) and any other access code related to your Transaction Account and your Card (each, an “Access Code"). If Tell us AT ONCE if you believe the Card or Access Code has been lost, compromised or stolen, immediately notify us verbally or via email by using the cardholder support contact information. If you believe the Card your access device has been lost or stolen, stolen or that if you believe someone has transferred money used your card or may transfer money from access code or otherwise accessed your Transaction Account accounts without your permissionauthority. Telephoning is the best way of keeping your possible losses down. You are responsible for all electronic transactions you authorize. If you permit other persons to use an electronic funds transfer service, notify us verbally your card or via email by using the cardholder support contact information. We may suspend access device, your PIN or cancel your Card or corresponding Transaction Account in the event of excessive reports of Card loss or theft. Under the Mastercard Rulesaccess code, you will not be held are responsible for unauthorized any transactions they authorize or conduct on any of your accounts. If you link any of your accounts or services to a third-party application or payment service (including but not limited to Cash App, PayPal®, Zelle® or Venmo) you understand and agree that these are not Credit Union services; and any transactions you make will be subject to your agreements with the application or service provider. You understand that these applications and services do not provide the same protections from fraud or other misapplication of funds as traditional direct banking services. If we transfer any funds as directed by you or anyone you authorize to the application or third-party service provider such transfer(s) shall in all respects be an authorized transaction and we will have no further obligation or liability if you have used reasonable care in protecting your Card from loss the application or theft and you have promptly reported provider then transfers the funds to us when you knew a fraudster or the funds are otherwise misapplied. For electronic transactions that your Card was lost require the use of a PIN or stolen. Zero Liability does not apply to Mastercard payment cards that are used access code (except for commercial purposes or anonymous prepaid cards (until such time as the identity of the cardholder has been registered with usVisa debit card purchases). In the event that Mastercard Zero Liability does not apply, if you notify tell us within two (2) business days after you learn of any unauthorized transactions, you can lose no more than $50.00 50 if someone used your Card card without your permission. If you do not notify NOT tell us within two (2) business days after you learn of the loss or theft of your Card card, and we can prove we could have stopped someone from using your card without your permission if you had told us, you could lose as much as $500. Also, if your statement shows transfers that you did not make, including those made by card, code, or other means, Tell us AT ONCE. If you do not tell us within sixty (60) calendar days after the statement was mailed to you showing the first unauthorized transfer, you may not get back any money lost after the sixty (60) calendar days if we can prove that we could have stopped someone from using your Card without your permission making the transfers if you had promptly notified told us in time. If a good reason (such as extended travel or hospitalization) kept you from telling us, we may extend these time periods. If you could lose believe your card has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, contact the Credit Union at ▇.▇▇▇.▇▇▇.▇▇▇▇ or 803.469.8600 or write us at SAFE Federal Credit Union, P.O. Box 2008, Sumter, SC 29151. If there is an unauthorized Visa debit card purchase, and the transaction takes place on the Visa network, then your liability will be zero ($0). This provision limiting your liability does not apply to either Visa commercial (business) cards or ATM cash disbursements. Additionally, your liability with respect to unauthorized transactions may be greater than the above zero ($0) liability limit, to the extent allowed under applicable law, if: (1) we determine the unauthorized transaction was a result of gross negligence or fraud on your part; (2) you fail to provide us with a statement or affidavit of your claim within the time requested; (3) we determine the transaction was not “unauthorized” as much as $500.00defined below; or (4) you fail to report the loss, theft, or unauthorized use of your debit card of card number within a reasonable period of time. A reasonable period of time will be determined by the Credit Union in its sole discretion, but in no event will it be shorter than the time periods stated in the Error Resolution Section below. A transaction is considered “unauthorized” if it is initiated by someone other than you (the cardholder) without your actual or apparent authority, and you receive no benefit from the transaction. A transaction is not considered “unauthorized” if: (1) you furnish the card, card number, or other identifying information to another person and give that person express or implied authority to perform one or more transactions and the person then exceeds that authority; or (2) for any other reason the Credit Union concludes the facts and circumstances do not reasonably support a claim of unauthorized use. In any case, to minimize your potential liability you should notify us of any unauthorized use no later than sixty (60) days after your statement was mailed to you.

Your Liability for Unauthorized Transactions. You agree to exercise reasonable control over your PIN(s); user ID(s); and password(s) and any other access code related to your Transaction Account and your Card (each, an “Access Code"). If you believe the Card or Access Code has been lost, compromised or stolen, immediately notify contact us verbally at [Insert phone number] or via email by using us at [Insert Email Address]. Telephoning is the cardholder support contact informationbest way to minimize your possible losses. If you believe the Card has been lost or stolen, stolen call [ ] or that someone has transferred money or may transfer money from your Transaction Account without your permission, notify us verbally or via email by using the cardholder support contact informationat [ ]. We may suspend or cancel your Card or corresponding Transaction Account in the event of excessive reports of Card loss or theft. Under the Mastercard Rules, you will not be held responsible for unauthorized transactions if you have used reasonable care in protecting your Card from loss or theft and you have promptly reported to us when you knew that your Card was lost or stolen. Zero Liability does not apply to Mastercard payment cards that are used for commercial purposes or anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us). In the event that Mastercard Zero Liability does not apply, if you notify us within two (2) business days after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used your Card without your permission. If you do not notify us within two (2) business days after you learn of the loss or theft of your Card and we can prove that we could have stopped someone from using your Card without your permission if you had promptly notified us, you could lose as much as $500.00. Also, if you become aware of and/or your statement shows transactions you did not make, notify us at once following the procedures stated in Section XVIII (Your Right to Dispute Errors). If you do not notify us within sixty (60) days after you become aware of the transaction and/or after the statement was made available to you, you may not get back any value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the value if you had notified us in time. You will not be liable for unauthorized use that occurs after you notify us of the loss, theft or unauthorized use of your Card or Access Code(s). You also agree to cooperate completely with us and the Bank in attempts to recover funds from unauthorized users and to assist in their prosecution. The Bank may issue replacement Card(s) or Access Code(s), but only after you have provided such proof and security or indemnification as the Bank may require. In addition, you acknowledge that the Bank may have to deactivate your Card(s) to prevent future losses. If you share your Card(s) or Access Code(s) with another person, use of your Card by that person may be considered as authorized. If you authorize another person to use your Card or Access Code(s), you agree that you will be liable for all transactions arising from use of the Card or Access Code(s) by such person except as otherwise set forth in this Agreement. In all cases, our liability for an unauthorized transaction is limited to reimbursing you for the face amount of the unauthorized transaction and any corresponding fees, except as otherwise required by applicable law. A transaction is unauthorized if it is not initiated by you, you did not give permission to make the transaction or you do not benefit from the transaction in any way.

Your Liability for Unauthorized Transactions. You agree to exercise reasonable control over your PIN(s); user ID(s); and password(s) and any other access code related to your Transaction Account and your Card (each, an “Access Code"). If Tell us AT ONCE if you believe the your Card or Access Code has been lost, compromised or stolen, immediately notify us verbally or via email by using the cardholder support contact information. If you believe the Card Information has been lost or stolen, stolen or that someone has transferred money or may transfer money from your Transaction Account without your permission, notify us verbally or via email by using the cardholder support contact information. We may suspend or cancel your Card or corresponding Transaction Account in the event of excessive reports of Card loss or theft. Under the Mastercard Rules, you will not be held responsible for unauthorized transactions if you have used reasonable care in protecting your Card from loss or theft and you have promptly reported to us when you knew believe that your Card was lost or stolen. Zero Liability does not apply to Mastercard payment cards that are used for commercial purposes or anonymous prepaid cards (until such time as the identity of the cardholder a transaction has been registered with us). In the event that Mastercard Zero Liability does not apply, if you notify us within two (2) business days after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used your Card made without your permission. Your Card can be marked lost or stolen by telephoning us at 844-944- 9273. Reporting your card lost or stolen as soon as you are aware it’s missing is the best way to minimize your possible losses. You could lose all the money in your Account. If you do not notify tell us within two (2) business days after you learn of the loss or theft of your Card or Access Information you can lose no more than $50 if someone used your Card or Access Information without your permission. If you DO NOT tell us within two (2) business days after you learn of the loss or theft of your Card or Access Information, and we can prove that we could have stopped someone from using your Card or Access Information without your permission if you had promptly notified told us, you could lose as much as $500.00500. If your Card is a Visa Card, you will not be liable for the amounts stated above provided that the following preconditions are met: (i) Your Card is in good standing; (ii) You have exercised reasonable care in safeguarding your Card from any Unauthorized Use (e.g. you were not grossly negligent or fraudulent in the handling of your Card); and You have not reported two or more unauthorized events in the past twelve (12) months. Also, if your online or paper transaction history shows transfers you did not make, including those made by Card, code or other means, tell us at once. If you do not tell us within 60 days from the earlier of: (i) the date you electronically access your Card Account, if the unauthorized transfer could be viewed in your electronic history; or (ii) the date we sent the FIRST written history on which the unauthorized transfer appeared, you may not get back any money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. NOTE: Visa Zero Liability covers U.S.-issued cards only; and does not apply to ATM transactions, PIN transactions not processed by Visa, or certain commercial card transactions. Individual provisional credit amounts are provided on a provisional basis and may be withheld, delayed, limited, or rescinded by the Servicer based on factors such as gross negligence or fraud, delay in reporting unauthorized use, investigation and verification of claim and account standing and history. You must notify the Servicer immediately of any unauthorized use. The transaction(s) at issue must be posted to your account before provisional credit may be issued. If Visa Rules are changed to affect your liability, those changes will become applicable to your transactions under this Agreement upon notice to you as provided by law.

Your Liability for Unauthorized Transactions. You agree to exercise reasonable control over your PIN(s); user ID(s); and password(s) and any other access code related to your Transaction Account and your Card (each, an “Access Code"). If Tell us AT ONCE if you believe the your Card or Access Code has been lost, compromised or stolen, immediately notify us verbally or via email by using the cardholder support contact information. If you believe the Card Information has been lost or stolen, stolen or that someone has transferred money or may transfer money from your Transaction Account without your permission, notify us verbally or via email by using the cardholder support contact information. We may suspend or cancel your Card or corresponding Transaction Account in the event of excessive reports of Card loss or theft. Under the Mastercard Rules, you will not be held responsible for unauthorized transactions if you have used reasonable care in protecting your Card from loss or theft and you have promptly reported to us when you knew believe that your Card was lost or stolen. Zero Liability does not apply to Mastercard payment cards that are used for commercial purposes or anonymous prepaid cards (until such time as the identity of the cardholder a transaction has been registered with us). In the event that Mastercard Zero Liability does not apply, if you notify us within two (2) business days after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used your Card made without your permission. Your Card can be marked lost or stolen by telephoning us at 1-800-688- 9140. Reporting your card lost or stolen as soon as you are aware it’s missing is the best way to minimize your possible losses. You could lose all the money in your Account. If you do not notify tell us within two (2) business days after you learn of the loss or theft of your Card or Access Information you can lose no more than $50 if someone used your Card or Access Information without your permission. If you DO NOT tell us within two (2) business days after you learn of the loss or theft of your Card or Access Information, and we can prove that we could have stopped someone from using your Card or Access Information without your permission if you had promptly notified told us, you could lose as much as $500.00500. If your Card is a MasterCard Card, you will not be liable for the amounts stated above provided that the following preconditions are met: (i) Your Card is in good standing; (ii) You have exercised reasonable care in safeguarding your Card from any Unauthorized Use (e.g. you were not grossly negligent or fraudulent in the handling of your Card); and You have not reported two or more unauthorized events in the past twelve (12) months. Also, if your online or paper transaction history shows transfers you did not make, including those made by Card, code or other means, tell us at once. If you do not tell us within 60 days from the earlier of: (i) the date you electronically access your Card Account, if the unauthorized transfer could be viewed in your electronic history; or (ii) the date we sent the FIRST written history on which the unauthorized transfer appeared, you may not get back any money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. NOTE: MasterCard Zero Liability covers U.S.-issued cards only; and does not apply to ATM transactions, PIN transactions not processed by MasterCard, or certain commercial card transactions. Individual provisional credit amounts are provided on a provisional basis and may be withheld, delayed, limited, or rescinded by the Servicer based on factors such as gross negligence or fraud, delay in reporting unauthorized use, investigation and verification of claim and account standing and history. You must notify the Servicer immediately of any unauthorized use. The transaction(s) at issue must be posted to your account before provisional credit may be issued. If MasterCard Rules are changed to affect your liability, those changes will become applicable to your transactions under this Agreement upon notice to you as provided by law.

Your Liability for Unauthorized Transactions. You agree to exercise reasonable control over your PIN(s); user ID(s); and password(s) and any other access code related to your Transaction Account and your Card (each, an “Access Code")Card. If you believe the Card or Access Code has been lost, compromised or stolen, immediately notify us verbally or via email by using the cardholder support contact information. If you believe the Card has been lost or stolen, or that someone has transferred money or may transfer money from your Transaction Account without your permission, notify us verbally or via email by using the cardholder support contact information. We may suspend or cancel your Card or corresponding Transaction Account in the event of excessive reports of Card loss or theft. Under the Mastercard Rules, you will not be held responsible for unauthorized transactions if you have used reasonable care in protecting your Card from loss or theft and you have promptly reported to us when you knew that your Card was lost or stolen. Zero Liability does not apply to Mastercard payment cards that are used for commercial purposes or anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us). In the event that Mastercard Zero Liability does not apply, if you notify us within two (2) business days after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used your Card without your permission. If you do not notify us within two (2) business days after you learn of the loss or theft of your Card and we can prove that we could have stopped someone from using your Card without your permission if you had promptly notified us, you could lose as much as $500.00. If you become aware of, or your Transaction Account statement shows transactions you did not make, notify us at once following the procedures stated in Section 16 (Your Right to Dispute Errors). If you do not notify us within sixty (60) days after you become aware of the transaction or after the statement was made available to you, you may not get back any value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the value if you had notified us in time. You will not be liable for unauthorized use that occurs after you notify us of the loss, theft or unauthorized use of your Card. You also agree to cooperate completely with us and Servicer in attempts to recover funds from unauthorized users and to assist in their prosecution. The Bank may issue replacement Card(s) or PIN, but only after you have provided such proof and security or indemnification as the Bank may require. In addition, you acknowledge that the Bank may have to deactivate your Card(s) or Transaction Account to prevent future losses. If you share your Card(s) or Access Code(s) with another person, use of your Transaction Account by that person may be considered as authorized. If you authorize another person to use your Card or Access Code(s), you agree that you will be liable for all transactions arising from use of the Card or Access Code(s) by such person except as otherwise set forth in this Agreement. In all cases, our liability for an unauthorized transaction is limited to reimbursing you for the face amount of the unauthorized transaction and any corresponding fees, except as otherwise required by applicable law. A transaction is unauthorized if it is not initiated by you, you did not give permission to make the transaction, or you do not benefit from the transaction in any way.

Your Liability for Unauthorized Transactions. You agree to exercise reasonable control over your PIN(s); user ID(s); and password(s) and any other access code related to your Transaction Account and your Card (each, an “Access Code"). If you believe the Card or Access Code has been lost, compromised or stolen, immediately notify us verbally or via email by using the cardholder support contact information. If you believe the your Card has been lost or stolen or you believe a transaction has been made without your permission using information from your Card or Account or you believe your Account credentials have been used without your permission tell us AT ONCE, and FREEZE the relevant Card(s) via the GoodCash Application. Reporting your Card lost or stolen, and any unauthorized or that someone has transferred unexpected activity to ▇▇▇▇▇▇▇@▇▇▇▇▇▇▇▇.▇▇▇ as soon as possible is the best way of keeping your possible losses down. If you do not report a lost or stolen card, or an unauthorized transaction to us promptly, you could lose all the money or may transfer money from in your Transaction Account without and your permission, notify us verbally or via email by using the cardholder support contact informationFunding Account. We may suspend or cancel your Card or and corresponding Transaction Account in the event of excessive reports of Card loss or theft. Under You agree that any unauthorized use does not include use by a person to whom you have given authority to use the Mastercard Rules, Card or PIN and that you will not be held responsible liable for unauthorized transactions all such uses by such person. For example, if you have used reasonable care in protecting given your Card from loss or theft Card information to another person to use, such as a friend or relative, you are responsible for that person's transactions with your Card, and if you have promptly reported to us when you knew that given your Card was lost or stoleninformation to a merchant for a transaction, you have given authority to that merchant to debit the Card for that transaction. Zero Liability does not apply to Mastercard payment cards that are used for commercial purposes or anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us). In the event that Mastercard Zero Liability does not apply, if If you notify tell us within two (2) business days after you learn of any unauthorized transactionsthe loss or theft of your Card, you can lose no more than $50.00 50 if someone used your Card without your permission. If you do not notify NOT tell us within two (2) business days after you learn of the loss or theft of your Card Card, and we can prove that we could have stopped someone from using your Card Card, without your permission if you had promptly notified told us, you could lose as much as $500.00500. Also, if your periodic statement (if applicable) or transaction history (if applicable) shows transactions you did not make, notify GoodCash at once following the procedures stated in Section C.3 of this Agreement. If you do not notify GoodCash within sixty (60) days after the periodic statement or account history (if applicable) was sent or made available to you, you may not get back any money you lost after the sixty (60) days if GoodCash can prove that we could have stopped someone from taking the value if you had notified GoodCash in time. If a good reason (such as a long trip or hospital stay) kept you from telling us, GoodCash may extend the time periods. If the Card has been lost or stolen, the Card may be blocked to keep losses down and/or, if there is a physical card associated with the account, a replacement may be sent to you. You agree to cooperate reasonably with us and the Issuer in our attempts to recover funds from, and to assist in the prosecution of, any unauthorized users of your Card.

Your Liability for Unauthorized Transactions. You agree to exercise reasonable control over your PIN(s); user ID(s); and password(s) and any other access code related to your Transaction Card Account and your Card (each, an “Access Code")) and your Card. If you believe the Card or Access Code has been lost, compromised or stolen, immediately notify contact us verbally at (▇▇▇) ▇▇▇-▇▇▇▇ or via email by using us at ▇▇▇▇@▇▇▇▇▇▇.▇▇▇ . Telephoning is the cardholder support contact informationbest way to minimize your possible losses. If you believe the Card has been lost or stolen, or that someone has transferred money or may transfer money from your Transaction Card Account without your permission, notify us verbally call (▇▇▇) ▇▇▇-▇▇▇▇ or via email by using the cardholder support contact information. at ▇▇▇▇@▇▇▇▇▇▇.▇▇▇ We may suspend or cancel your Card or and/or corresponding Transaction Card Account in the event of excessive reports of Card loss or theft. Under the Mastercard Visa Rules, you will not be held responsible for unauthorized transactions if you have used reasonable care in protecting your Card from loss or theft and you have promptly reported to us when you knew that your Card was lost or stolen. Zero Liability does not apply to Mastercard Visa payment cards that are used for commercial purposes or anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us). In the event that Mastercard Visa Zero Liability does not apply, if you notify us within two (2) business days after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used your Card without your permission. If you do not notify us within two (2) business days after you learn of the loss or theft of your Card and we can prove that we could have stopped someone from using your Card without your permission if you had promptly notified us, you could lose as much as $500.00. Also, if you become aware of and/or your statement shows transactions you did not make, notify us at once following the procedures stated in Section XVIII (Your Right to Dispute Errors). If you do not notify us within sixty (60) days after you become aware of the transaction and/or after the statement was made available to you, you may not get back any value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the value if you had notified us in time. You will not be liable for unauthorized use that occurs after you notify us of the loss, theft or unauthorized use of your Card or Access Code(s). You also agree to cooperate completely with us and the Bank in attempts to recover funds from unauthorized users and to assist in their prosecution. The Bank may issue replacement Card(s) or Access Code(s), but only after you have provided such proof and security or indemnification as the Bank may require. In addition, you acknowledge that the Bank may have to deactivate your Card(s) and/or Card Account to prevent future losses. If you share your Card(s) or Access Code(s) with another person, use of your Card Account by that person may be considered as authorized. If you authorize another person to use your Card or Access Code(s), you agree that you will be liable for all transactions arising from use of the Card or Access Code(s) by such person except as otherwise set forth in this Agreement. In all cases, our liability for an unauthorized transaction is limited to reimbursing you for the face amount of the unauthorized transaction and any corresponding fees, except as otherwise required by applicable law. A transaction is unauthorized if it is not initiated by you, you did not give permission to make the transaction or you do not benefit from the transaction in any way.

Your Liability for Unauthorized Transactions. You agree to exercise reasonable control over your If you believe the Debit Card or PIN(s); user ID(s); and password(s) and any other access code related to your Transaction Account and your Debit Card (each, an “Access Code"). If you believe the Card or Access Code ”) has been lost, compromised or stolen, immediately notify contact us verbally at ▇▇▇-▇▇▇-▇▇▇▇ or via email by using us at ▇▇▇@▇▇▇▇▇.▇▇▇. Telephoning is the cardholder support contact informationbest way to minimize your possible losses. You could lose all the money in your Funding Source. If you believe the Debit Card has been lost or stolen, or that someone has transferred money or may transfer money from your Transaction Account without your permission, notify us verbally or via stolen call ▇▇▇-▇▇▇-▇▇▇▇ for email by using the cardholder support contact information. We may suspend or cancel your Card or corresponding Transaction Account in the event of excessive reports of Card loss or theftat ▇▇▇@▇▇▇▇▇.▇▇▇. Under the Mastercard Rules, particularly Zero Liability, you will not be held responsible for unauthorized transactions if you have used reasonable care in protecting your Debit Card from loss or theft and you have promptly reported to us when you knew that your Debit Card was lost or stolen. Zero Liability does not apply to Mastercard payment cards that are used for commercial purposes or anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us)cards. In the event that Mastercard Zero Liability does not apply, if you notify tell us within two (2) business days after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used your Card without your permission. If you do not notify us within two (2) 2 business days after you learn of the loss or theft of your Card or Access Code, you can lose no more than $50 if someone used your Debit Card or Access Code without your permission. If you do NOT notify us within 2 business days after you learn of the loss or theft of your Debit Card or Access Code and we can prove that we could have stopped someone from using your Debit Card or Access Code without your permission if you had promptly notified us, you could lose as much as $500.00500. Also, if your statement shows transactions that you did not make, including those made by Debit Card, Access Code or other means, tell us at once. If you do not tell us within 60 days after the statement was sent to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. Subject to applicable law, you also agree to cooperate completely with us in attempts to recover funds from unauthorized users and to assist in their prosecution. The Bank may issue replacement Debit Card(s) or Access Code(s), but only after you have provided such proof and security or indemnification as the Bank may require. In addition, you acknowledge that the Bank may have to deactivate your Debit Card(s) to prevent future losses. If you share your Debit Card(s) or Access Code(s) with another person, use of your Debit Card by that person may be considered as authorized. If you authorize another person to use your Debit Card or Access Code(s), you agree that you will be liable for all transactions arising from use of the Debit Card or Access Code(s) by such person except as otherwise set forth in this Agreement. In all cases, our liability for an unauthorized transaction is limited to reimbursing you for the face amount of the unauthorized transaction and any corresponding fees, except as otherwise required by applicable law. A transaction is unauthorized if it is not initiated by you, you did not give permission to make the transaction or you do not benefit from the transaction in any way.

Your Liability for Unauthorized Transactions. You agree to exercise reasonable control over your PIN(s); user ID(s); and password(s) and any other access code related to your Transaction Account and your Card (each, an “Access Code"). If Tell us AT ONCE if you believe the your Card or Access Code has been lost, compromised or stolen, immediately notify us verbally or via email by using the cardholder support contact information. If you believe the Card Information has been lost or stolen, stolen or that someone has transferred money or may transfer money from your Transaction Account without your permission, notify us verbally or via email by using the cardholder support contact information. We may suspend or cancel your Card or corresponding Transaction Account in the event of excessive reports of Card loss or theft. Under the Mastercard Rules, you will not be held responsible for unauthorized transactions if you have used reasonable care in protecting your Card from loss or theft and you have promptly reported to us when you knew believe that your Card was lost or stolen. Zero Liability does not apply to Mastercard payment cards that are used for commercial purposes or anonymous prepaid cards (until such time as the identity of the cardholder a transaction has been registered with us). In the event that Mastercard Zero Liability does not apply, if you notify us within two (2) business days after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used your Card made without your permission. Your Card can be marked lost or stolen by telephoning us at 1-800-790- 6019. Reporting your card lost or stolen as soon as you are aware it’s missing is the best way to minimize your possible losses. You could lose all the money in your Account. If you do not notify tell us within two (2) business days after you learn of the loss or theft of your Card or Access Information you can lose no more than $50 if someone used your Card or Access Information without your permission. If you DO NOT tell us within two (2) business days after you learn of the loss or theft of your Card or Access Information, and we can prove that we could have stopped someone from using your Card or Access Information without your permission if you had promptly notified told us, you could lose as much as $500.00500. If your Card is a MasterCard Card, you will not be liable for the amounts stated above provided that the following preconditions are met: (i) Your Card is in good standing; (ii) You have exercised reasonable care in safeguarding your Card from any Unauthorized Use (e.g. you were not grossly negligent or fraudulent in the handling of your Card); and You have not reported two or more unauthorized events in the past twelve (12) months. Also, if your online or paper transaction history shows transfers you did not make, including those made by Card, code or other means, tell us at once. If you do not tell us within 60 days from the earlier of: (i) the date you electronically access your Card Account, if the unauthorized transfer could be viewed in your electronic history; or (ii) the date we sent the FIRST written history on which the unauthorized transfer appeared, you may not get back any money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. NOTE: MasterCard Zero Liability covers U.S.-issued cards only; and does not apply to ATM transactions, PIN transactions not processed by MasterCard, or certain commercial card transactions. Individual provisional credit amounts are provided on a provisional basis and may be withheld, delayed, limited, or rescinded by the Servicer based on factors such as gross negligence or fraud, delay in reporting unauthorized use, investigation and verification of claim and account standing and history. You must notify the Servicer immediately of any unauthorized use. The transaction(s) at issue must be posted to your account before provisional credit may be issued. If MasterCard Rules are changed to affect your liability, those changes will become applicable to your transactions under this Agreement upon notice to you as provided by law.

Your Liability for Unauthorized Transactions. You agree to exercise reasonable control over your PIN(s); user ID(s); and password(s) and any other access code related to your Transaction Account and your Card (each, an “Access Code"). If Tell us AT ONCE if you believe the your Card or Access Code has been lost, compromised or stolen, immediately notify us verbally or via email by using the cardholder support contact information. If you believe the Card Information has been lost or stolen, stolen or that someone has transferred money or may transfer money from your Transaction Account without your permission, notify us verbally or via email by using the cardholder support contact information. We may suspend or cancel your Card or corresponding Transaction Account in the event of excessive reports of Card loss or theft. Under the Mastercard Rules, you will not be held responsible for unauthorized transactions if you have used reasonable care in protecting your Card from loss or theft and you have promptly reported to us when you knew believe that your Card was lost or stolen. Zero Liability does not apply to Mastercard payment cards that are used for commercial purposes or anonymous prepaid cards (until such time as the identity of the cardholder a transaction has been registered with us). In the event that Mastercard Zero Liability does not apply, if you notify us within two (2) business days after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used your Card made without your permission. Your Card can be marked lost or stolen by telephoning us at 1-800- 480-6876. Reporting your card lost or stolen as soon as you are aware it’s missing is the best way to minimize your possible losses. You could lose all the money in your Account. If you do not notify tell us within two (2) business days after you learn of the loss or theft of your Card or Access Information you can lose no more than $50 if someone used your Card or Access Information without your permission. If you DO NOT tell us within two (2) business days after you learn of the loss or theft of your Card or Access Information, and we can prove that we could have stopped someone from using your Card or Access Information without your permission if you had promptly notified told us, you could lose as much as $500.00500. If your Card is a MasterCard Card, you will not be liable for the amounts stated above provided that the following preconditions are met: (i) Your Card is in good standing; (ii) You have exercised reasonable care in safeguarding your Card from any Unauthorized Use (e.g. you were not grossly negligent or fraudulent in the handling of your Card); and You have not reported two or more unauthorized events in the past twelve (12) months. Also, if your online or paper transaction history shows transfers you did not make, including those made by Card, code or other means, tell us at once. If you do not tell us within 60 days from the earlier of: (i) the date you electronically access your Card Account, if the unauthorized transfer could be viewed in your electronic history; or (ii) the date we sent the FIRST written history on which the unauthorized transfer appeared, you may not get back any money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. NOTE: MasterCard Zero Liability covers U.S.-issued cards only; and does not apply to ATM transactions, PIN transactions not processed by MasterCard, or certain commercial card transactions. Individual provisional credit amounts are provided on a provisional basis and may be withheld, delayed, limited, or rescinded by the Servicer based on factors such as gross negligence or fraud, delay in reporting unauthorized use, investigation and verification of claim and account standing and history. You must notify the Servicer immediately of any unauthorized use. The transaction(s) at issue must be posted to your account before provisional credit may be issued. If MasterCard Rules are changed to affect your liability, those changes will become applicable to your transactions under this Agreement upon notice to you as provided by law.

Your Liability for Unauthorized Transactions. You agree to exercise reasonable control over Except as otherwise stated herein, you are responsible for all transactions initiated through the use of your PIN(s); user ID(s); and password(s) Card, including any PIN-based transactions, any transactions initiated by presenting the Card number only and any other access code related to your Transaction Account and your Card (each, an “Access Code")authorized transactions initiated by someone else. If Notify us AT ONCE if you believe the your Personalized Card, Registered Temporary Card or Access Code has been lost, compromised or stolen, immediately notify us verbally or via email by using the cardholder support contact information. If you believe the Card Account login information has been lost or stolen, stolen or that someone has transferred money or may transfer money from your Transaction Account without your permission, notify us verbally or via email by using the cardholder support contact information. We may suspend or cancel your Card or corresponding Transaction Account in the event of excessive reports of Card loss or theft. Under the Mastercard Rules, you will not be held responsible for unauthorized transactions if you have used reasonable care in protecting your Card from loss or theft and you have promptly reported to us when you knew believe that your Card was lost or stolen. Zero Liability does not apply to Mastercard payment cards that are used for commercial purposes or anonymous prepaid cards (until such time as the identity of the cardholder a transaction has been registered with us). In the event that Mastercard Zero Liability does not apply, if you notify us within two (2) business days after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used your Card made without your permission. If Your Card is lost or stolen, you do not can block it online at ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇, or by calling us at ▇▇▇-▇▇▇-▇▇▇▇. If your Card is registered and you notify us within two (2) business days after you learn of the loss or theft of your Card or Card Account login information, your losses will be limited to $50 or such other amount provided by law, if your Card Account suffers losses of at least that amount due to unauthorized usage. If you DO NOT tell us within two (2) business days after you learn of the loss or theft of your Registered Temporary or Personalized Card or your Card Account Access Information, and you suffer losses due to unauthorized usage, then you may be liable up to $500, or such other amount provided by law, if such losses could have been prevented had you timely notified us. Also, if your statement shows transfers you did not make, including those made with a Registered Temporary Card, Personalized Card, code or other means, notify us at once. If you do not notify us within 60 days from the earlier of the date you electronically access your Card Account, if the unauthorized transfer could be viewed in your electronic history, or the date we sent the FIRST written history on which the unauthorized transfer appeared, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from using your Card without your permission taking the money if you had promptly timely notified us. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods, in our sole discretion or as required by law or rule. If your Card has been lost or stolen, once notified, we will close your Card Account to keep losses down and will send a replacement card. There is a fee for replacing your Card. For information about the fee, see the Fee Schedule Table above. You may have additional rights under the Visa Zero Liability policy described below, and in some instances such rules provide that you could lose as much as $500.00will not be liable for unauthorized use of your Card. If you have not successfully registered your Card you are liable for ALL transactions that have taken place on your Card.

Your Liability for Unauthorized Transactions. You agree to exercise reasonable control over your PIN(s); user ID(s); and password(s) and any other access code related to your Transaction Account and your Debit Card (each, an “Access Code"). If you believe the Debit Card or Access Code has been lost, compromised or stolen, immediately notify contact us verbally at ▇▇▇-▇▇▇-▇▇▇▇ or via email by using us at ▇▇▇▇▇▇▇▇▇▇▇@▇▇▇▇▇.▇▇▇. Telephoning is the cardholder support contact informationbest way to minimize your possible losses. If you believe the Debit Card has been lost or stolen, stolen call ▇▇▇-▇▇▇-▇▇▇▇ or that someone has transferred money or may transfer money from your Transaction Account without your permission, notify us verbally or via email by using the cardholder support contact informationat ▇▇▇▇▇▇▇▇▇▇▇@▇▇▇▇▇.▇▇▇. We may suspend or cancel your Debit Card or corresponding Transaction Account in the event of excessive reports of Debit Card loss or theft. Under the Mastercard Rules, particularly Zero Liability, you will not be held responsible for unauthorized transactions if you have used reasonable care in protecting your Debit Card from loss or theft and you have promptly reported to us when you knew that your Debit Card was lost or stolen. Zero Liability does not apply to Mastercard payment cards that are used for commercial purposes or anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us). In the event that Mastercard Zero Liability does not apply, if you notify us within two (2) business days after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used your Debit Card 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 and we can prove that we could have stopped someone from using your Debit Card without your permission if you had promptly notified us, you could lose as much as $500.00. Also, if you become aware of and/or your statement shows transactions you did not make, notify us at once following the procedures stated in Section XVIII (Your Right to Dispute Errors). If you do not notify us within sixty (60) days after you become aware of the transaction and/or after the statement was made available to you, you may not get back any value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the value if you had notified us in time. You will not be liable for unauthorized use that occurs after you notify us of the loss, theft or unauthorized use of your Debit Card or Access Code(s). You also agree to cooperate completely with us and the Bank in attempts to recover funds from unauthorized users and to assist in their prosecution. The Bank may issue replacement Debit Card(s) or Access Code(s), but only after you have provided such proof and security or indemnification as the Bank may require. In addition, you acknowledge that the Bank may have to deactivate your Debit Card(s) to prevent future losses. If you share your Debit Card(s) or Access Code(s) with another person, use of your Debit Card by that person may be considered as authorized. If you authorize another person to use your Debit Card or Access Code(s), you agree that you will be liable for all transactions arising from use of the Debit Card or Access Code(s) by such person except as otherwise set forth in this Agreement. In all cases, our liability for an unauthorized transaction is limited to reimbursing you for the face amount of the unauthorized transaction and any corresponding fees, except as otherwise required by applicable law. A transaction is unauthorized if it is not initiated by you, you did not give permission to make the transaction or you do not benefit from the transaction in any way.

Your Liability for Unauthorized Transactions. You agree to exercise reasonable control over your PIN(s); user ID(s); and password(s) and any other access code related to your Transaction Account and your Card (each, an “Access Code"). If Tell us AT ONCE if you believe the your Card or Access Code has been lost, compromised or stolen, immediately notify us verbally or via email by using the cardholder support contact information. If you believe the Card Information has been lost or stolen, stolen or that someone has transferred money or may transfer money from your Transaction Account without your permission, notify us verbally or via email by using the cardholder support contact information. We may suspend or cancel your Card or corresponding Transaction Account in the event of excessive reports of Card loss or theft. Under the Mastercard Rules, you will not be held responsible for unauthorized transactions if you have used reasonable care in protecting your Card from loss or theft and you have promptly reported to us when you knew believe that your Card was lost or stolen. Zero Liability does not apply to Mastercard payment cards that are used for commercial purposes or anonymous prepaid cards (until such time as the identity of the cardholder a transaction has been registered with us). In the event that Mastercard Zero Liability does not apply, if you notify us within two (2) business days after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used your Card made without your permission. Your Card can be marked lost or stolen by telephoning us at 1-800-961- 5135. Reporting your card lost or stolen as soon as you are aware it’s missing is the best way to minimize your possible losses. You could lose all the money in your Account. If you do not notify tell us within two (2) business days after you learn of the loss or theft of your Card or Access Information you can lose no more than $50 if someone used your Card or Access Information without your permission. If you DO NOT tell us within two (2) business days after you learn of the loss or theft of your Card or Access Information, and we can prove that we could have stopped someone from using your Card or Access Information without your permission if you had promptly notified told us, you could lose as much as $500.00500. If your Card is a MasterCard Card, you will not be liable for the amounts stated above provided that the following preconditions are met: (i) Your Card is in good standing; (ii) You have exercised reasonable care in safeguarding your Card from any Unauthorized Use (e.g. you were not grossly negligent or fraudulent in the handling of your Card); and You have not reported two or more unauthorized events in the past twelve (12) months. Also, if your online or paper transaction history shows transfers you did not make, including those made by Card, code or other means, tell us at once. If you do not tell us within 60 days from the earlier of: (i) the date you electronically access your Card Account, if the unauthorized transfer could be viewed in your electronic history; or (ii) the date we sent the FIRST written history on which the unauthorized transfer appeared, you may not get back any money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. NOTE: MasterCard Zero Liability covers U.S.-issued cards only; and does not apply to ATM transactions, PIN transactions not processed by MasterCard, or certain commercial card transactions. Individual provisional credit amounts are provided on a provisional basis and may be withheld, delayed, limited, or rescinded by the Servicer based on factors such as gross negligence or fraud, delay in reporting unauthorized use, investigation and verification of claim and account standing and history. You must notify the Servicer immediately of any unauthorized use. The transaction(s) at issue must be posted to your account before provisional credit may be issued. If MasterCard Rules are changed to affect your liability, those changes will become applicable to your transactions under this Agreement upon notice to you as provided by law.

Your Liability for Unauthorized Transactions. Tell us AT ONCE if you believe that a transaction has been made without your permission. Your Account can be placed on hold by telephoning us at ▇▇▇-▇▇▇-▇▇▇▇. Notifying us as soon as you are aware that your Account has been compromised is the best way to minimize your possible losses. You agree to exercise reasonable control over could lose all the money in your PIN(s); user ID(s); and password(s) and any other access code related to your Transaction Account and your Card (each, an “Access Code")Account. If you believe the Card or Access Code has been lost, compromised or stolen, immediately notify us verbally or via email by using the cardholder support contact information. If you believe the Card has been lost or stolen, or that someone has transferred money or may transfer money from your Transaction Account without your permission, notify us verbally or via email by using the cardholder support contact information. We may suspend or cancel your Card or corresponding Transaction Account in the event of excessive reports of Card loss or theft. Under the Mastercard Rules, you will not be held responsible for unauthorized transactions if you have used reasonable care in protecting your Card from loss or theft and you have promptly reported to us when you knew that your Card was lost or stolen. Zero Liability does not apply to Mastercard payment cards that are used for commercial purposes or anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us). In the event that Mastercard Zero Liability does not apply, if you notify tell us within two (2) business days after you learn of any unauthorized transactions, that your Account has been compromised you can lose no more than $50.00 50 if someone used your Card Account or Access Information without your permission. If you do not notify DO NOT tell us within two (2) business days after you learn of the loss or theft of that your Card Account has been compromised, and we can prove that we could have stopped someone from using your Card Account or Access Information without your permission if you had promptly notified told us, you could lose as much as $500.00500. If your Account is a Virtual Account, you will not be liable for the amounts stated above provided that the following preconditions are met: (i) Your Account is in good standing; (ii) You have exercised reasonable care in safeguarding your Account from any Unauthorized Use (e.g. you were not grossly negligent or fraudulent in the handling of your Account); and You have not reported two or more unauthorized events in the past twelve (12) months. Also, if your online or paper transaction history shows transactions you did not make, including those made by Account, code or other means, tell us at once. If you do not tell us within 60 days from the earlier of: (i) the date you electronically access your Account, if the unauthorized transaction could be viewed in your electronic history; or (ii) the date we sent the FIRST written history on which the unauthorized transaction appeared, you may not get back any money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.

Your Liability for Unauthorized Transactions. You agree to exercise reasonable control over your PIN(s); user ID(s); and password(s) and any other access code related to your Transaction Account and safeguard your Card (eachand treat it like cash. Contact us at once if you believe your Card has been lost or stolen. Calling us immediately is the best way to minimize your possible losses. If your Card is lost or stolen, an “Access Code")and you have registered it at ▇▇▇.▇▇▇▇▇▇.▇▇▇/▇▇▇▇▇▇▇▇, you may request a replacement Card. Only registered Cards can be replaced. If you believe the Card or Access Code has been lost, compromised or stolen, immediately notify us verbally or via email by using the cardholder support contact information. If you believe the your Card has been lost or stolen, or that someone has transferred money or may transfer money from your Transaction Account Card without your permission, call us at (▇▇▇) ▇▇▇-▇▇▇▇. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions on your Card is $0.00 if you notify us verbally promptly and you are not grossly negligent or via email by using the cardholder support contact information. We may suspend or cancel your Card or corresponding Transaction Account fraudulent in the event handling of excessive reports of Card loss or theftyour Card. Under the Mastercard Rules, you will not be held responsible for unauthorized transactions if you have used reasonable care in protecting your Card from loss or theft and you have promptly reported to us when you knew that your Card was lost or stolen. Zero Liability does not apply to Mastercard payment cards that are used for commercial purposes or anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us). In the event that Mastercard Zero Liability does not apply, if If you notify us within two (2) business days after you learn of any unauthorized Visa debit or non-Visa debit transactions, you can lose no will not be responsible for more than $50.00 if someone used your Card without your permission. If you do not notify us within two (2) business days after you learn of the loss or theft of your Card and we can prove that we could have stopped someone from using your Card without your permission if you had promptly notified us, you could lose be responsible for as much as $500.00. Also, if your transaction history (see section 9) shows transactions you did not make, notify us at once. If you do not notify us within sixty (60) days after the transaction history was first made available, you may not get back any value you lost after the sixty (60) days if we can prove we could have stopped someone from taking the value if you had notified us in time. We reserve the right to require a written statement and conduct an investigation into the validity of any request. You agree to cooperate with any investigation we may make. You will not be liable for transactions identified by us as unauthorized. You acknowledge purchases made with your Card are similar to those made with cash. You cannot “stop payment” or lodge a “billing dispute” on such transactions. Any problems or disputes you may have regarding a purchase should be addressed directly with the merchant.

Your Liability for Unauthorized Transactions. You agree to exercise reasonable control over your PIN(s); user ID(s); and password(s) and any other access code related to your Transaction Account and Tell us AT ONCE if you believe your Card (each, an “Access Code"). If you believe the Card or Access Code has been lost, compromised or stolen, immediately notify us verbally or via email by using the cardholder support contact information. If you believe the Card PIN has been lost or stolen, stolen or that someone you believe a transaction has transferred money or may transfer money from your been made without (a) Transaction Account without your permission, notify us verbally or via email by using Routed Through the cardholder support contact informationVisa System. We may suspend or cancel your Card or corresponding Transaction Account in the event of excessive reports of Card loss or theftVisa Zero Liability Protection. Under the Mastercard Rules, you will not be held responsible Visa U.S.A. Inc. Operating Regulations. Your liability for unauthorized transactions using your Card Account that take place on the Visa system without a personal identification number (PIN) is $0.00 if you have used reasonable care are not grossly negligent or fraudulent in protecting the handling of your Card from loss or theft and you have promptly reported to us when you knew that your Card was lost or stolenCard. Zero Liability This reduced liability does not apply to Mastercard payment cards PIN transactions not processed by Visa (see Transactions Not Routed Through the Visa System below). (b) Transaction Not Routed Through the Visa System. Unauthorized transactions that are used for commercial purposes or anonymous prepaid cards (until such time as not routed through Visa are not protected by the identity of the cardholder has been registered with us). In the event that Mastercard Visa Zero Liability does Protection policy. These types of transactions include point of sale, PIN, PINless or other debit transactions not apply, if processed by Visa. If you notify tell us within two (2) business days after you learn of any unauthorized transactionstransactions or the loss of your PIN, you can will lose no more than $50.00 50 if someone used accessed your Card Account without your permission. If you do not notify NOT tell us within two (2) business days after you learn of an unauthorized transaction or the loss or theft of your PIN, and we can prove we could have stopped someone from accessing your Card and Account without your permission if you had told us, you could lose as much as $500. Also, if your Card Account transaction history or other information shows transfers that you did not make or authorize, tell us at once. If you do not tell us within 60 days after the information is made available to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from using your Card without your permission taking the money if you had promptly notified told us in time. If a good reason (such as a long trip, a hospital stay, or other extenuating circumstances) kept you from telling us, you could lose as much as $500.00we will extend the times specified above to a reasonable period. You agree to cooperate reasonably with us in our attempts to recover funds from, and to assist in the prosecution of, any unauthorized users of your Card Account.

Your Liability for Unauthorized Transactions. You agree to exercise reasonable control over your PIN(s); user ID(s); and password(s) and any other access code related to your Transaction Account and your Card (each, an “Access Code"). If Tell us AT ONCE if you believe the your Card or Access Code has been lost, compromised or stolen, immediately notify us verbally or via email by using the cardholder support contact information. If you believe the Card Information has been lost or stolen, stolen or that someone has transferred money or may transfer money from your Transaction Account without your permission, notify us verbally or via email by using the cardholder support contact information. We may suspend or cancel your Card or corresponding Transaction Account in the event of excessive reports of Card loss or theft. Under the Mastercard Rules, you will not be held responsible for unauthorized transactions if you have used reasonable care in protecting your Card from loss or theft and you have promptly reported to us when you knew believe that your Card was lost or stolen. Zero Liability does not apply to Mastercard payment cards that are used for commercial purposes or anonymous prepaid cards (until such time as the identity of the cardholder a transaction has been registered with us). In the event that Mastercard Zero Liability does not apply, if you notify us within two (2) business days after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used your Card made without your permission. Your Card can be marked lost or stolen by telephoning us at 1-800- 400-6609. Reporting your card lost or stolen as soon as you are aware it’s missing is the best way to minimize your possible losses. You could lose all the money in your Account. If you do not notify tell us within two (2) business days after you learn of the loss or theft of your Card or Access Information you can lose no more than $50 if someone used your Card or Access Information without your permission. If you DO NOT tell us within two (2) business days after you learn of the loss or theft of your Card or Access Information, and we can prove that we could have stopped someone from using your Card or Access Information without your permission if you had promptly notified told us, you could lose as much as $500.00500. If your Card is a MasterCard Card, you will not be liable for the amounts stated above provided that the following preconditions are met: (i) Your Card is in good standing; (ii) You have exercised reasonable care in safeguarding your Card from any Unauthorized Use (e.g. you were not grossly negligent or fraudulent in the handling of your Card); and You have not reported two or more unauthorized events in the past twelve (12) months. Also, if your online or paper transaction history shows transfers you did not make, including those made by Card, code or other means, tell us at once. If you do not tell us within 60 days from the earlier of: (i) the date you electronically access your Card Account, if the unauthorized transfer could be viewed in your electronic history; or (ii) the date we sent the FIRST written history on which the unauthorized transfer appeared, you may not get back any money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. NOTE: MasterCard Zero Liability covers U.S.-issued cards only; and does not apply to ATM transactions, PIN transactions not processed by MasterCard, or certain commercial card transactions. Individual provisional credit amounts are provided on a provisional basis and may be withheld, delayed, limited, or rescinded by the Servicer based on factors such as gross negligence or fraud, delay in reporting unauthorized use, investigation and verification of claim and account standing and history. You must notify the Servicer immediately of any unauthorized use. The transaction(s) at issue must be posted to your account before provisional credit may be issued. If MasterCard Rules are changed to affect your liability, those changes will become applicable to your transactions under this Agreement upon notice to you as provided by law.

Your Liability for Unauthorized Transactions. You agree to exercise reasonable control over your PIN(s); user ID(s); and password(s) and any other access code related to your Transaction Account and your Card (each, an “Access Code"). If Tell us AT ONCE if you believe the your Card or Access Code has been lost, compromised or stolen, immediately notify us verbally or via email by using the cardholder support contact information. If you believe the Card Information has been lost or stolen, stolen or that someone has transferred money or may transfer money from your Transaction Account without your permission, notify us verbally or via email by using the cardholder support contact information. We may suspend or cancel your Card or corresponding Transaction Account in the event of excessive reports of Card loss or theft. Under the Mastercard Rules, you will not be held responsible for unauthorized transactions if you have used reasonable care in protecting your Card from loss or theft and you have promptly reported to us when you knew believe that your Card was lost or stolen. Zero Liability does not apply to Mastercard payment cards that are used for commercial purposes or anonymous prepaid cards (until such time as the identity of the cardholder a transaction has been registered with us). In the event that Mastercard Zero Liability does not apply, if you notify us within two (2) business days after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used your Card made without your permission. Your Card can be marked lost or stolen by telephoning us at 1-800- 384-2038. Reporting your card lost or stolen as soon as you are aware it’s missing is the best way to minimize your possible losses. You could lose all the money in your Account. If you do not notify tell us within two (2) business days after you learn of the loss or theft of your Card or Access Information you can lose no more than $50 if someone used your Card or Access Information without your permission. If you DO NOT tell us within two (2) business days after you learn of the loss or theft of your Card or Access Information, and we can prove that we could have stopped someone from using your Card or Access Information without your permission if you had promptly notified told us, you could lose as much as $500.00500. If your Card is a MasterCard Card, you will not be liable for the amounts stated above provided that the following preconditions are met: (i) Your Card is in good standing; (ii) You have exercised reasonable care in safeguarding your Card from any Unauthorized Use (e.g. you were not grossly negligent or fraudulent in the handling of your Card); and You have not reported two or more unauthorized events in the past twelve (12) months. Also, if your online or paper transaction history shows transfers you did not make, including those made by Card, code or other means, tell us at once. If you do not tell us within 60 days from the earlier of: (i) the date you electronically access your Card Account, if the unauthorized transfer could be viewed in your electronic history; or (ii) the date we sent the FIRST written history on which the unauthorized transfer appeared, you may not get back any money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. NOTE: MasterCard Zero Liability covers U.S.-issued cards only; and does not apply to ATM transactions, PIN transactions not processed by MasterCard, or certain commercial card transactions. Individual provisional credit amounts are provided on a provisional basis and may be withheld, delayed, limited, or rescinded by the Servicer based on factors such as gross negligence or fraud, delay in reporting unauthorized use, investigation and verification of claim and account standing and history. You must notify the Servicer immediately of any unauthorized use. The transaction(s) at issue must be posted to your account before provisional credit may be issued. If MasterCard Rules are changed to affect your liability, those changes will become applicable to your transactions under this Agreement upon notice to you as provided by law.