Common use of Your Liability for Unauthorized Transactions Clause in Contracts

Your Liability for Unauthorized Transactions. You shall tell us IMMEDIATELY if you believe your password has been lost or stolen and immediately change your password from within the Online Branch section. Calling is the best way to notify us immediately. You could lose all the money in your account (plus your maximum overdraft protection). If you tell us within two (2) business days, you can lose no more than $50 if someone used your password without your permission. Also, if your statement shows transfers that you did not make, you shall 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 you have authorized someone else to use the PIN, you are responsible for all transactions that person(s) initiates at any time, even if the amount or transactions exceed what you may have authorized. 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, you shall call or write us at the telephone number and address listed below in the “How to Notify Us” section. In case of errors or questions about Online Branch or your statement, 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. We must hear from you no later than 60 days after we send the first statement on which the problem or error appeared. If you contact us orally, we may require that you send us your complaint or question in writing within 10 (10) business days. If you contact us via mail, please be sure to include:

Your Liability for Unauthorized Transactions. You shall tell Tell us IMMEDIATELY AT ONCE if you believe your password has been lost or stolen and immediately change your password from within the Online Branch section. Calling is the best way to notify us immediately. You could lose all the money in your account (plus your maximum overdraft protection). If you tell us within two (2) business days, you can lose no more than $50 if someone used your password without your permission. Also, if your statement shows transfers that you did not make, you shall 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 you have authorized someone else to use the PIN, you are responsible for all transactions that person(s) initiates at any time, even if the amount or transactions exceed what you may have authorized. 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, you shall call or write us at the telephone number and address listed below in the “How to Notify Us” section. In case of errors or questions about Online Branch or your statement, 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. We must hear from you no later than 60 days after we send the first statement on which the problem or error appeared. If you contact us orally, we may require that you send us your complaint or question in writing within 10 (10) business days. If you contact us via mail, please be sure to include:

Your Liability for Unauthorized Transactions. You shall tell us IMMEDIATELY if you believe your password has been lost or stolen and immediately change your password from within the Online Branch section. Calling is the best way to notify us immediately. You could lose all the money in your account (plus your maximum overdraft protection). If you tell us within two (2) business days, you can lose no more than $50 if someone used your password without your permission. Also, if your statement shows transfers that you did not make, you shall 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 you have authorized someone else to use the PIN, you are responsible for all transactions that person(s) initiates at any time, even if the amount or transactions exceed what you may have authorized. 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, you shall call or write us at the telephone number and address listed below in the “How to Notify Us” section. In case of errors or questions about Online Branch or your statement, 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. We must hear from you no later than 60 days after we send the first statement on which the problem or error appeared. If you contact us orally, we may require that you send us your complaint or question in writing within 10 ten (10) business days. If you contact us via mail, please be sure to include:

Your Liability for Unauthorized Transactions. You shall tell us IMMEDIATELY if you believe your password has been lost or stolen and immediately change your password from within the Online Branch section. Calling is the best way to notify us immediately. You could lose all the money in your account (plus your maximum overdraft protection). If you tell us within two (2) business 7 days, you can lose no more than $50 if someone used your password without your permission. Also, if your statement shows transfers that you did not make, you shall 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 you have authorized someone else to use the PIN, you are responsible for all transactions that person(s) initiates at any time, even if the amount or transactions exceed what you may have authorized. 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, you shall call or write us at the telephone number and address listed below in the “How to Notify Us” section. In case of errors or questions about Online Branch or your statement, 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. We must hear from you no later than 60 days after we send the first statement on which the problem or error appeared. If you contact us orally, we may require that you send us your complaint or question in writing within 10 ten (10) business days. If you contact us via mail, please be sure to include: