Common use of Your Liability for Unauthorized Transfers Clause in Contracts

Your Liability for Unauthorized Transfers. a. Contact us at once if you believe your Card, PIN or Account number has been stolen. Telephoning is the best way to minimize your possible losses. If your Card, PIN or Account number has been lost or stolen, or someone has transferred or may transfer money from your Account without your permission, call (▇▇▇) ▇▇▇-▇▇▇▇. 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 the Card, PIN or Account number 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, Account number or PIN and we can prove that we could have stopped someone from using your Account without your permission if you had promptly notified us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Also, if you become aware of and/or your statement shows transactions that you did not make, notify us at once following the procedures stated in the below sub-section captioned “Information About Your Right to Dispute Errors.” If you do not notify us within sixty (60) days after you become aware of the transaction(s) and/or the statement was made available to you, you may not get back any of the value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking value if you had notified us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If your Card, PIN or Account number has been lost or stolen, we will close your Card and/or Account to keep losses down and send you a replacement Card and/or Account number.

Your Liability for Unauthorized Transfers. a. Contact You could lose the entire value of your Account through any unauthorized Transfer. Therefore, you should notify us at once if you believe your Card, PIN or Account number a Transfer has been stolen. Telephoning is the best way to minimize your possible losses. If your Card, PIN or Account number has been lost or stolen, or someone has transferred or may transfer money from occurred in your Account without your permission, call (▇▇▇) ▇▇▇-▇▇▇▇. Notifying us as soon as possible by telephone could minimize your possible losses. If you notify us within two (2) business days after you learn of any the unauthorized transactionsTransfer, you can lose no more than the lesser of $50.00 if someone used or the Card, PIN or Account number without your permissionamount of the unauthorized Transfers. If you do not notify us within two (2) business days Business Days after you learn of the loss or theft of your Cardunauthorized Transfer, Account number or PIN and we can prove that we could have stopped someone from using your Account without your permission making the unauthorized Transfer if you had promptly notified us, then you could can lose as much as the lesser of $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with 500.00 or the Card is sum of (i) $0.00 if you are not negligent 50.00 or fraudulent in the handling amount of the Cardunauthorized Transfers that occur within the two (2) Business Days; and (ii) the amount of unauthorized Transfers that occur after the close of two (2) Business Days and before notice to us, provided we establish that these unauthorized Transfers would not have occurred had you notified us within that two- day period. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of Should your Advantage Account statement show any unauthorized use. c. Also, if you become aware of and/or your statement shows transactions Transfer that you did not makeauthorize, please notify us at once following the procedures stated in the below sub-section captioned “Information About Your Right to Dispute Errors.” once. If you do not notify us within sixty (60) 60 days after you become aware of the transaction(s) and/or the Account statement was made available to youmailed, you may not get back any of the value money you lost after the sixty (60) 60 days if we can prove that we could have stopped someone from taking value the unauthorized Transfer if you had notified us in time. If a good reason (such as a long trip or a hospital stay) kept keeps you from telling notifying us, we will extend the time periodsperiods above may be extended. If your CardAccount is a "Commercial Account" (which is defined in this Advantage Agreement as an account for a Corporation, PIN or Account number has been lost or stolenNonprofit Organization, we will close your Card and/or Account Noncorporate Organization, Partnerships, Estates, Pension and Profit Sharing Plans [not including IRAs and Employee Stock Ownership Plans] and other Trust), you are liable for all unauthorized Transfers up to keep losses down and send the time at which you a replacement Card and/or Account numbernotify us.

Your Liability for Unauthorized Transfers. a. Contact You could lose the entire value, including your available margin, of your Account through any unauthorized Transfer. Therefore, you should notify us or First Clearing* ("Clearing Firm") at once if you believe a Transfer has occurred in your Card, PIN account without your permission. Notifying us or Account number has been stolen. Telephoning is the best way to Clearing Firm as soon as possible by telephone could minimize your possible losses. If your Card, PIN or Account number has been lost or stolen, or someone has transferred or may transfer money from your Account without your permission, call (▇▇▇) ▇▇▇-▇▇▇▇. 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 the Card, PIN or Account number without your permission. If you do not notify us Clearing Firm within two (2) business days after you learn of the loss unauthorized Transfer, you can lose no more than $50.00. If you do not notify us or theft Clearing Firm within two (2) business days after you learn of your Cardthe unauthorized Transfer, Account number or PIN and we can prove that we you could have stopped someone from using your Account without your permission making the unauthorized Transfer if you had promptly notified usus or Clearing Firm, then you could can lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, . Should your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of Account Statement show any unauthorized use. c. Also, if you become aware of and/or your statement shows transactions Transfer that you did not makeauthorize, please notify us or Clearing Firm at once following the procedures stated in the below sub-section captioned “Information About Your Right to Dispute Errors.” once. If you do not notify us or Clearing Firm within sixty (60) days after you become aware of the transaction(s) and/or the statement Account Statement was made available to youmailed, you may not get back any of the value money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking value the unauthorized Transfer if you had notified us or Clearing Firm in time. If a good reason (such as a long trip or a hospital stay) kept keeps you from telling usnotifying us or Clearing Firm, we will extend the time periodsperiods above may be extended. If your CardAccount is an institutional (Corporation, PIN Non- Profit Organization, Non-Corporate Organizations, Partnerships, Estates, Pension and Profit Sharing Plans (not including IRAs and Employee Stock Ownership Plans) and other Trusts) account, you are liable for all unauthorized Transfers up to the time at which you notify us or Account number has been lost or stolen, we will close your Card and/or Account to keep losses down and send you a replacement Card and/or Account numberClearing Firm.

Your Liability for Unauthorized Transfers. a. Contact us at once if you believe your Card, PIN or Account number Card has been lost or stolen. Telephoning is the best way to minimize your possible losses. If you believe your Card, PIN or Account number Card has been lost or stolen, or that someone has transferred or may transfer money from your Card Account without your permission, call 1-844-441- 8671. Under 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). If 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 the Card, PIN or Account number 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, Account number or PIN Card and we can prove that we could have stopped someone from using your Account Card without your permission if you had promptly notified us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Also, if you become aware of and/or your statement shows transactions that you did not make, notify us at once following the procedures stated in the below sub-section captioned paragraph labeled “Information About Your Right to Dispute Errors.” If you do not notify us within sixty (60) days after you become aware of the transaction(s) transaction and/or after the statement was made available to you, you may not get back any of the value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the value if you had notified 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 your Card, PIN or Account number Card has been lost or stolen, we will close your Card and/or Account to keep losses down and will send you a replacement Card and/or Account numbercard. There is a fee for replacing your Card. For information about the fee, see the section labeled “Fee Schedule.”

Your Liability for Unauthorized Transfers. a. If you are unable to find your Card, you may put a security hold on your Card so no money can be spent or cash withdrawn while you look for it. Click “Freeze My Card” from the Help page in the App. Contact us at once if you believe your Card, PIN or Account number Card has been lost or stolen. Telephoning is the best way to minimize your possible losses. If you believe your Card, PIN or Account number Card has been lost or stolen, or that someone has transferred or may transfer money from your Card Account without your permission, call (us at ▇-▇▇▇) -▇▇▇-▇▇▇▇. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions on your Card Account is $0.00 if you notify us within two (2) business days and you are not grossly negligent or fraudulent in the handling of your Card. This reduced liability does not apply to PIN transactions not processed by Visa or to ATM cash withdrawals. 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 the Card, PIN or Account number 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, Account number or PIN Card and we can prove that we could have stopped someone from using your Account Card without your permission if you had promptly notified us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Also, if you become aware of and/or your statement shows transactions that you did not make, notify us at once following the procedures stated in the below sub-section captioned paragraph labeled “Information About Your Right to Dispute Errors.” ”. If you do not notify us in writing within sixty (60) days after you become aware of the transaction(s) transaction and/or after the statement was made available to you, you may not get back any of the value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the value if you had notified us in timetime and you are grossly negligent or fraudulent in the handling of your Card. 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 your Card, PIN or Account number Card has been lost or stolen, we will close your Card and/or Account to keep losses down and send you down. Return to your employer to obtain a replacement Card and/or Account numbercard, and call ▇- ▇▇▇-▇▇▇-▇▇▇▇ to transfer funds to your replacement card.

Your Liability for Unauthorized Transfers. a. Contact You could lose the entire value, including your available margin, of your Account through any unauthorized Transfer. Therefore, you should notify us or First Clearing ("Clearing Firm") at once if you believe a Transfer has occurred in your Card, PIN account without your permission. Notifying us or Account number has been stolen. Telephoning is the best way to Clearing Firm as soon as possible by telephone could minimize your possible losses. If your Card, PIN or Account number has been lost or stolen, or someone has transferred or may transfer money from your Account without your permission, call (▇▇▇) ▇▇▇-▇▇▇▇. 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 the Card, PIN or Account number without your permission. If you do not notify us Clearing Firm within two (2) business days after you learn of the loss unauthorized Transfer, you can lose no more than $50.00. If you do not notify us or theft Clearing Firm within two (2) business days after you learn of your Cardthe unauthorized Transfer, Account number or PIN and we can prove that we you could have stopped someone from using your Account without your permission making the unauthorized Transfer if you had promptly notified usus or Clearing Firm, then you could can lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, . Should your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of Account Statement show any unauthorized use. c. Also, if you become aware of and/or your statement shows transactions Transfer that you did not makeauthorize, please notify us or Clearing Firm at once following the procedures stated in the below sub-section captioned “Information About Your Right to Dispute Errors.” once. If you do not notify us or Clearing Firm within sixty (60) days after you become aware of the transaction(s) and/or the statement Account Statement was made available to youmailed, you may not get back any of the value money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking value the unauthorized Transfer if you had notified us or Clearing Firm in time. If a good reason (such as a long trip or a hospital stay) kept keeps you from telling usnotifying us or Clearing Firm, we will extend the time periodsperiods above may be extended. If your CardAccount is an institutional (Corporation, PIN Non- Profit Organization, Non-Corporate Organizations, Partnerships, Estates, Pension and Profit Sharing Plans (not including IRAs and Employee Stock Ownership Plans) and other Trusts) account, you are liable for all unauthorized Transfers up to the time at which you notify us or Account number has been lost or stolen, we will close your Card and/or Account to keep losses down and send you a replacement Card and/or Account numberClearing Firm.

Your Liability for Unauthorized Transfers. a. Contact us at once Customer Service immediately if you believe your CardAccount number, PIN log in credentials, PIN, access code, access device or Account number Debit Card has been stolenlost or stolen or if you believe someone has transferred or may transfer money from your Account without your permission. Telephoning is the best way to minimize your possible losses. If your Card, PIN or Account number has been lost or stolen, or someone has transferred or may transfer money from your Account without your permission, call (▇▇▇) ▇▇▇-▇▇▇▇. If you notify us Customer Service within two (2) business days after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used the Card, PIN or your Account number without your permission. If you do not notify us Customer Service within two (2) business days after you learn of the loss or theft of your Card, Account number and Platform or PIN and we Bank can prove that we it could have stopped someone from using your Account without your permission if you had promptly notified usCustomer Service in time, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Also, if you become aware of and/or your statement shows transactions that you did not make, notify us Customer Service at once following the procedures stated in the below sub-section captioned “Section "Information About Your Right to Dispute Errors.” ". If you do not notify us Customer Service within sixty (60) days after you become aware of the transaction(s) and/or the statement was made available to you, you may not get back any of the value you lost after the sixty (60) days if we Platform and/or Bank can prove that we it could have stopped someone from taking value if you had notified us Customer Service in time. If a good reason (such as a long trip or a hospital stay) kept you from telling usCustomer Service, we Platform and/or Bank will extend the time periods. If your Card, PIN or Account number has been lost or stolen, we Platform will close your Card and/or Account to keep losses down and send issue you a replacement Card and/or new Account number. If your Account changes you must immediately notify your employer or any other payors or merchants. You must provide them with your new Account number to ensure that your direct deposit and/or ACH Debit activity continues uninterrupted.

Your Liability for Unauthorized Transfers. a. Contact us You must contact Synapse, by calling at once if you believe your Card, PIN or Account number has been stolen. Telephoning is the best way to minimize your possible losses. If your Card, PIN or Account number has been lost or stolen, or someone has transferred or may transfer money from your Account without your permission, call +▇(▇▇▇) ▇▇▇-▇▇▇▇ or emailing ▇▇▇▇@▇▇▇▇▇▇▇▇▇.▇▇▇ if you believe your Account number was stolen or if you believe someone has transferred or may transfer money from your Account without permission. If your account number was stolen or if you believe someone has transferred or may transfer money from your Account without permission contact us immediately through Synapse, at the number specified above. 5.8.1. If you notify us within two (2) business days after you learn of any unauthorized transactionstransaction, you can lose no more than $50.00 if someone used the Card, PIN or your Account number 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, Account number or PIN and we can prove that we could have stopped someone from using your Account without your permission if you had promptly notified us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card5.8.2. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Also, if If you become aware of and/or your statement shows transactions that you did not make, notify us at once following the procedures stated in the section below sub-section captioned “Information About Your Right to Dispute ErrorsErrors and Disputes.” If you do not notify us within sixty (60) days after (i) you become aware of the transaction(s) and/or (ii) the statement was made available to you, you may not get back any of the value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking value if you had notified us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If your Card, PIN or Account number has been lost or stolenAfter receiving notice from you of such an event, we will close your Card and/or Account to keep losses down and send issue you a replacement Card and/or new Account number. 5.8.3. If your Account number changes, you must immediately notify your employer or any other payors or merchants. You must provide them with your new Account number to ensure that your direct deposit and/or payments activity continues uninterrupted. 5.8.4. If you furnish your access device and grant actual authority to make transfers to someone who then exceeds that authority, you will be liable for the transfers the person makes unless we have been notified that transfers by that person are no longer authorized. If you claim a credit or refund because of a forgery, alteration, or any other unauthorized withdrawal, you agree to cooperate with us in the investigation of the loss, including giving us an affidavit containing whatever reasonable information we require concerning your Account, the transaction, and the circumstances surrounding the loss. You will notify law enforcement authorities of any criminal act related to the claim of lost, missing, or stolen checks or unauthorized withdrawals. We will have a reasonable period of time to investigate the facts and circumstances surrounding any claim of loss. Unless we have acted in bad faith, we will not be liable for any special or consequential damages, including loss of profits or opportunity, or for attorneys’ fees incurred by you. You agree that you will not waive any rights you have to recover your loss against anyone who is obligated to repay, insure, or otherwise reimburse you for your loss. You will pursue your rights or, at our option, assign them to us so that we may pursue them. Our liability will be reduced by the amount you recover or are entitled to recover from these other sources. Concerning each item you deposit with us, or which we cash for you or give other consideration, you make the following warranties to us whether Bank is the payor bank or depository bank: all necessary signatures and endorsements have been placed on the time and are genuine, the item has not been materially altered and you have good title to it, and no defense of any party to the item is good against you. If any such warranty is breached, we may deduct the amount of the item from any of your accounts or otherwise collect from you this amount plus expenses.

Your Liability for Unauthorized Transfers. a. Contact us at once if you believe your CardYou must contact Synapse, PIN or Account number has been stolen. Telephoning is the best way to minimize your possible losses. If your Card, PIN or Account number has been lost or stolen, or someone has transferred or may transfer money from your Account without your permission, call by calling at‌ +▇(▇▇▇) ▇▇▇-▇▇▇▇ or emailing ▇▇▇▇@▇▇▇▇▇▇▇▇▇.▇▇▇ if you believe your Account number was stolen or if you believe someone has transferred or may transfer money from your Account without permission. If your account number was stolen or if you believe someone has transferred or may transfer money from your Account without permission contact us immediately through Synapse, at the number specified above.‌‌‌ 6.8.1. If you notify us within two (2) business days after you learn of any unauthorized transactionstransaction, you can lose no more than $50.00 if someone used the Card, PIN or your Account number 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, Account number or PIN and we can prove that we could have stopped someone from using your Account without your permission if you had promptly notified us, you could lose as much as $500.00.500.00.‌‌‌‌‌ b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card6.8.2. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Also, if If you become aware of and/or your statement shows transactions that you did not make, notify us at once following the procedures stated in the section below sub-section captioned “Information About Your Right to Dispute ErrorsErrors and Disputes.” If you do not notify us within sixty (60) days after (i) you become aware of the transaction(s) and/or (ii) the statement was made available to you, you may not get back any of the value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking value if you had notified us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If your Card, PIN or Account number has been lost or stolenAfter receiving notice from you of such an event, we will close your Card and/or Account to keep losses down and send issue you a replacement Card new Account number.‌‌‌‌‌‌‌‌ 6.8.3. If your Account number changes, you must immediately notify your employer or any other payors or merchants. You must provide them with your new Account number to ensure that your direct deposit and/or Account number.payments activity continues uninterrupted.‌‌ 6.8.4. If you furnish your access device and grant actual authority to make transfers to someone who then exceeds that authority, you will be liable for the transfers the person makes unless we have been notified that transfers by that person are no longer authorized. If you claim a credit or refund because of a forgery, alteration, or any other unauthorized withdrawal, you agree to cooperate with us in the investigation of the loss, including giving us an affidavit containing whatever reasonable information we require concerning your Account, the transaction, and the circumstances surrounding the loss. You will notify law enforcement authorities of any criminal act related to the claim of lost, missing, or stolen checks or unauthorized withdrawals. We will have a reasonable period of time to investigate the facts and circumstances surrounding any claim of loss. Unless we have acted in bad faith, we will not be liable for any special or consequential damages, including loss of profits or opportunity, or for attorneys’ fees incurred by you. You agree that you will not waive any rights you have to recover your loss against anyone who is obligated to repay, insure, or otherwise reimburse you for your loss. You will pursue your rights or, at our option, assign them to us so that we may pursue them. Our liability will be reduced by the amount you recover or are entitled to recover from these other sources. Concerning each item you deposit with us, or which we cash for you or give other consideration, you make the following warranties to us whether Bank is the payor bank or depository bank: all necessary signatures and endorsements have been placed on the time and are genuine, the item has not been materially altered and you have good title to it, and no defense of any party to the item is good against you. If any such warranty is breached, we may deduct the amount of the item from any of your accounts or otherwise collect from you this amount plus expenses.‌‌‌‌‌‌‌‌‌‌‌‌‌‌‌‌‌‌‌‌‌‌‌

Your Liability for Unauthorized Transfers. a. If you are unable to find your Card, you may put a security hold on your Card so no money can be spent or cash withdrawn while you look for it. Text “PAUSE” from your registered mobile device to the Customer Service phone numbers on the back of your card. Contact us at once if you believe your Card, PIN or Account number Card has been lost or stolen. Telephoning is the best way to minimize your possible losses. If you believe your Card, PIN or Account number Card has been lost or stolen, or that someone has transferred or may transfer money from your Card Account without your permission, call us at the Customer Service numbers on the back of your card. Under Mastercard U.S.A. Inc. Operating Regulations, your liability for unauthorized Mastercard debit transactions on your Card Account is $0.00 if you notify us within two (▇▇▇2) ▇▇▇-▇▇▇▇business days and you are not grossly negligent or fraudulent in the handling of your Card. This reduced liability does not apply to PIN transactions not processed by Mastercard or to ATM cash withdrawals. 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 the Card, PIN or Account number 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, Account number or PIN Card and we can prove that we could have stopped someone from using your Account Card without your permission if you had promptly notified us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Also, if you become aware of and/or your statement shows transactions that you did not make, notify us at once following the procedures stated in the below sub-section captioned paragraph labeled “Information About Your Right to Dispute Errors.” ”. If you do not notify us in writing within sixty (60) days after you become aware of the transaction(s) transaction and/or after the statement was made available to you, you may not get back any of the value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the value if you had notified us in timetime and you are grossly negligent or fraudulent in the handling of your Card. 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 your Card, PIN or Account number Card has been lost or stolen, we will close your Card and/or Account to keep losses down and send you down. Return to your employer to obtain a replacement card or call the Customer Service numbers on the back of the card Your Card and/or Account numberand your obligations under this Agreement may not be assigned. We may transfer our rights under this Agreement. Use of your Card is subject to all applicable rules and customs of any clearinghouse or other association involved in transactions. We do not waive our rights by delaying or failing to exercise them at any time. If any provision of this Agreement shall be determined to be invalid or unenforceable under any rule, law, or regulation of any governmental agency, local, state, or federal, the validity or enforceability of any other provision of this Agreement shall not be affected. This Agreement will be governed by the law of the State of Ohio except to the extent governed by federal law.

Your Liability for Unauthorized Transfers. The terms of this Section 12 shall apply in lieu of Section 3.04 (Your Liability for Unauthorized Transfers; Advisability of Prompt Reporting) of this Agreement with respect to the Zelle® Payment Service to the extent the terms of this Section 12 impose lesser liability on you than the terms of Section 3.04. If for any reason the terms of this Section 12 shall be inapplicable to a transaction, then the terms of Section 3.04 shall apply. An unauthorized transfer means a transfer from your Eligible Account that is initiated by another person without your authority to initiate the transfer and from which you receive no benefit. The term does not include any transfer that is initiated by a person who was furnished with your Access Credentials by you, unless you have notified us that transfers by that person are no longer authorized and we have had reasonable opportunity to act on that notification. a. Contact Tell us at once AT ONCE by contacting us as provided in the "Errors or Questions" section of this Agreement if you believe your Card, PIN Access Credentials have been lost or Account number has been stolen. Telephoning is the best way to minimize of keeping your possible losseslosses down. If your Card, PIN or Account number has been lost or stolen, or someone has transferred or may transfer money from your Account without your permission, call (▇▇▇) ▇▇▇-▇▇▇▇. 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 the Card, PIN or Account number without your permission. If you do not notify us within two (2) business days after you learn You acknowledge and agree that time is of the loss or theft of your Card, Account number or PIN and we can prove that we could essence in such situations. You will have stopped someone from using your Account without your permission if you had promptly notified us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your no liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Also, if you become aware of and/or your statement shows transactions that you did not make, notify us at once following the procedures stated in the below sub-section captioned “Information About Your Right to Dispute Errors.” If you do not notify us within sixty (60) days after your monthly financial institution statement which shows the unauthorized transaction has been sent to you. b. If you become aware of the transaction(sdo not tell us within sixty (60) and/or days after the statement was made available sent to you, you may not get back lose any of the value you lost amount transferred without your authorization after the sixty (60) days if we can prove that we could have stopped someone from taking value if the money had you had notified told us in time. If a good reason (such as a long trip or a hospital stay) kept prevented you from telling us, we will extend the time periodsperiods specified above to a reasonable period. If your CardThese liability rules only apply to Eligible Accounts used for personal, PIN or Account number has been lost or stolen, we will close your Card and/or Account to keep losses down family and send you a replacement Card and/or Account numberhousehold purposes.

Your Liability for Unauthorized Transfers. a. Contact If you believe any of your Access Codes has been lost or stolen, you should notify us and change your password immediately. Tell us at once if you believe your Cardstatement, PIN account or Account number transaction information, or security information has been lost, stolen, or compromised. Telephoning Contacting us by phone is the best way to minimize of keeping your possible losseslosses down. If You could lose all the money in your Cardaccount, PIN or Account number has been lost or stolenas well as your maximum overdraft line of credit, or someone has transferred or may transfer money from your Account without your permission, call (▇▇▇) ▇▇▇-▇▇▇▇if applicable. 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 if someone used the Card, PIN or Account number your security information without your permission. If you do not notify tell us within two (2) business days after you learn of the loss or theft of your Cardsecurity information, Account number or PIN and we can prove that we could have stopped someone from using your Account security information without your permission if you had promptly notified us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Also, if you become aware of and/or If your statement shows transactions transfers that you did not make, notify tell us at once following the procedures stated in the below sub-section captioned “Information About Your Right to Dispute Errors.” once. If you we do not notify us receive notification from you within sixty (60) calendar days after you become aware of the transaction(s) and/or the statement was made available to youdate, you may not get back be entitled to any type of account re-credit for lost funds. We will tell you the value you lost results of our investigation within ten business days after the sixty (60) days if we can prove that we could have stopped someone hear from taking value if you had notified us in timeyou, and will correct any error promptly. If a good reason (such as a long trip we need more time, however, we may take up to forty-five calendar days to investigate your complaint or a hospital stay) kept you from telling usquestion. If we determine we need this extra time, we will extend provisionally credit your account within ten business days for the amount you think is in error. You will have the use of the money during the time periodsit takes us to complete our investigation. If we ask you to put your Cardcomplaint or question in writing and we do not receive it within ten business days, PIN or Account number has been lost or stolenwe may not provisionally credit your account. If we decide that there was no error, we will close your Card and/or Account to keep losses down and send you a replacement Card written explanation within three business days after we finish our investigation. You may ask for copies of the documents we used in our investigation. While the credit union has taken all necessary and optional precautions to ensure the security and safety of its website and the Internet Banking Service, the credit union does not guarantee that downloads from the site will be free of any viruses or other destructive devices. Additionally, you provide, request, and receive information from the site with the knowledge that such information can be intercepted and/or Account numberviewed by unknown third parties.

Your Liability for Unauthorized Transfers. a. Contact You could lose the entire value of your Account through any unauthorized Transfer. Therefore, you should notify us at once if you believe your Card, PIN or Account number a Transfer has been stolen. Telephoning is the best way to minimize your possible losses. If your Card, PIN or Account number has been lost or stolen, or someone has transferred or may transfer money from occurred in your Account without your permission, call (▇▇▇) ▇▇▇-▇▇▇▇. Notifying us as soon as possible by telephone could minimize your possible losses. If you notify us within two (2) business days after you learn of any the unauthorized transactionsTransfer, you can lose no more than the lesser of $50.00 if someone used or the Card, PIN or Account number without your permissionamount of the unauthorized Transfers. If you do not notify us within two (2) business days Business Days after you learn of the loss or theft of your Cardunauthorized Transfer, Account number or PIN and we can prove that we could have stopped someone from using your Account without your permission making the unauthorized Transfer if you had promptly notified us, then you could can lose as much as the lesser of $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with 500.00 or the Card is sum of $0.00 if you are not negligent 50.00 or fraudulent in the handling amount of the Cardunauthorized Transfers that occur within the two (2) Business Days; and the amount of unauthorized Transfers that occur after the close of two (2) Business Days and before notice to us, provided we establish that these unauthorized Transfers would not have occurred had you notified us within that two- day period. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of Should your Advantage Account statement show any unauthorized use. c. Also, if you become aware of and/or your statement shows transactions Transfer that you did not makeauthorize, please notify us at once following the procedures stated in the below sub-section captioned “Information About Your Right to Dispute Errors.” once. If you do not notify us within sixty (60) 60 days after you become aware of the transaction(s) and/or the Account statement was made available to youmailed, you may not get back any of the value money you lost after the sixty (60) 60 days if we can prove that we could have stopped someone from taking value the unauthorized Transfer if you had notified us in time. If a good reason (such as a long trip or a hospital stay) kept keeps you from telling notifying us, we will extend the time periodsperiods above may be extended. If your CardAccount is a "Commercial Account" (which is defined in this Advantage Agreement as an account for a Corporation, PIN or Account number has been lost or stolenNonprofit Organization, we will close your Card and/or Account Noncorporate Organization, Partnerships, Estates, Pension and Profit Sharing Plans [not including IRAs and Employee Stock Ownership Plans] and other Trust), you are liable for all unauthorized Transfers up to keep losses down and send the time at which you a replacement Card and/or Account numbernotify us.

Your Liability for Unauthorized Transfers. a. Contact us at once if Immediately following your discovery of an unauthorized Payment Instruction, you believe your Card, PIN or Account number has been stolenshall communicate with Customer Care in the manner set forth in Section 11 (Notices to Us Regarding the Zelle® and Other Payment Services) above. Telephoning You acknowledge and agree that time is of the essence in such situations. The best way to minimize your possible lossesloss is to call us immediately. If your Card, PIN or Account number has been lost or stolen, or someone has transferred or may transfer money from your Account without your permission, call (▇▇▇) ▇▇▇-▇▇▇▇. If you notify us within two (2) business days after you learn of any unauthorized transactions, you can lose You will have no more than $50.00 if someone used the Card, PIN or Account number 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, Account number or PIN and we can prove that we could have stopped someone from using your Account without your permission if you had promptly notified us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Also, if you become aware of and/or your statement shows transactions that you did not make, notify us at once following the procedures stated in the below sub-section captioned “Information About Your Right to Dispute Errors.” If you do not notify us within sixty (60) days after your monthly financial institution statement which shows the unauthorized transaction has been sent to you. If you become aware of the transaction(sdo not tell us within sixty (60) and/or days after the statement was made available sent to you, you may not get back lose any of the value you lost amount transferred without your authorization after the sixty (60) days if we can prove establish that we could have stopped someone from taking value if the money had you had notified told us in time. If a good reason (such as a long trip or a hospital stay) kept prevented you from telling us, we will extend the time periodsperiods specified above to a reasonable period. If When you give someone your Cardpassword or other means to access your account through which you access the Zelle® and Other Payment Services, PIN you are authorizing that person to use your service, and you are responsible for all transactions that person performs while using your service. All transactions that person performs, even those transactions you did not intend or Account number has been lost want performed, are authorized transactions. Additionally, transactions that you or stolensomeone acting with you initiates with fraudulent intent are also authorized transactions. These liability rules are established by Regulation E, we will close your Card and/or Account which implements the federal Electronic Fund Transfer Act and does not apply to keep losses down and send you a replacement Card and/or Account numberbusiness accounts. THE ZELLE® PAYMENT SERVICE IS INTENDED FOR SENDING MONEY TO FAMILY, FRIENDS AND OTHERS WHOM YOU TRUST. YOU SHOULD NOT USE ZELLE® TO SEND MONEY TO PERSONS WITH WHOM YOU ARE NOT FAMILIAR OR YOU DO NOT TRUST. ZELLE® DOES NOT OFFER PURCHASE PROTECTION FOR AUTHORIZED PAYMENTS MADE THROUGH THE ZELLE® PAYMENT SERVICE (FOR EXAMPLE, IF YOU DO NOT RECEIVE THE GOODS OR SERVICES THAT YOU PAID FOR, OR THE GOODS OR SERVICES THAT YOU RECEIVED ARE DAMAGED OR ARE OTHERWISE NOT WHAT YOU EXPECTED). REIMBURSEMENT IS AVAILABLE FOR UNAUTHORIZED TRANSACTIONS OR TRANSACTIONS RESULTING FROM CERTAIN QUALIFYING IMPOSTER SCAMS. CONTACT US TO DISPUTE A TRANSACTION.

Your Liability for Unauthorized Transfers. a. Contact us at once if you believe your Card, PIN or Account number Card has been lost or stolen. Telephoning is the best way to minimize your possible losses. If you believe your Card, PIN or Account number Card has been lost or stolen, or that someone has transferred or may transfer money from your Card Account without your permission, call (▇▇▇) ▇▇▇-▇▇▇-▇▇▇▇ or visit ▇▇▇.▇▇▇▇.▇▇▇. If Under 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 the Card, PIN or Account number 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, Account number or PIN Card and we can prove that we could have stopped someone from using your Account Card without your permission if you had promptly notified us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Also, if you become aware of and/or your statement shows transactions that you did not make, notify us at once following the procedures stated in the below sub-section captioned paragraph labeled “Information About Your Right to Dispute Errors.” If you do not notify us within sixty (60) days after you become aware of the transaction(s) transaction and/or after the statement transaction history was made available to you, you may not get back any of the value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the value if you had notified 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 your Card, PIN or Account number Card has been lost or stolen, we will close your Card and/or Account to keep losses down and will send you a replacement Card and/or Account numbercard.

Your Liability for Unauthorized Transfers. a. Contact You could lose the entire value, including your available margin, of your Account through any unauthorized Transfer. Therefore, you should notify us or Clearing Firm at once if you believe a Transfer has occurred in your Card, PIN account without your permission. Notifying us or Account number has been stolen. Telephoning is the best way to Clearing Firm as soon as possible by telephone could minimize your possible losses. If your Card, PIN or Account number has been lost or stolen, or someone has transferred or may transfer money from your Account without your permission, call (▇▇▇) ▇▇▇-▇▇▇▇. 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 the Card, PIN or Account number without your permission. If you do not notify us Clearing Firm within two (2) business days after you learn of the loss unauthorized Transfer, you can lose no more than $50.00. If you do not notify us or theft Clearing Firm within two (2) business days after you learn of your Cardthe unauthorized Transfer, Account number or PIN and we can prove that we you could have stopped someone from using your Account without your permission making the unauthorized Transfer if you had promptly notified usus or Clearing Firm, then you could can lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, . Should your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of Account Statement show any unauthorized use. c. Also, if you become aware of and/or your statement shows transactions Transfer that you did not makeauthorize, please notify us or Clearing Firm at once following the procedures stated in the below sub-section captioned “Information About Your Right to Dispute Errors.” once. If you do not notify us or Clearing Firm within sixty (60) days after you become aware of the transaction(s) and/or the statement Account Statement was made available to youmailed, you may not get back any of the value money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking value the unauthorized Transfer if you had notified us or Clearing Firm in time. If a good reason (such as a long trip or a hospital stay) kept keeps you from telling usnotifying us or Clearing Firm, we will extend the time periodsperiods above may be extended. If your CardAccount is an institutional (Corporation, PIN Non-Profit Organization, Non-Corporate Organizations, Partnerships, Estates, Pension and Profit Sharing Plans (not including IRAs and Employee Stock Ownership Plans) and other Trusts) account, you are liable for all unauthorized Transfers up to the time at which you notify us or Account number has been lost or stolen, we will close your Card and/or Account to keep losses down and send you a replacement Card and/or Account numberClearing Firm.

Your Liability for Unauthorized Transfers. a. Contact You could lose the entire value, including your available margin, of your Account through any unauthorized Transfer. Therefore, you should notify us or Clearing Firm at once if you believe a Transfer has occurred in your Card, PIN Account without your permission. Notifying us or Account number has been stolen. Telephoning is the best way to Clearing Firm as soon as possible by telephone could minimize your possible losses. If your Card, PIN or Account number has been lost or stolen, or someone has transferred or may transfer money from your Account without your permission, call (▇▇▇) ▇▇▇-▇▇▇▇. 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 the Card, PIN or Account number without your permission. If you do not notify us Clearing Firm within two (2) business days after you learn of the loss unauthorized Transfer, you can lose no more than $50.00. If you do not notify us or theft Clearing Firm within two (2) business days after you learn of your Cardthe unauthorized Transfer, Account number or PIN and we can prove that we you could have stopped someone from using your Account without your permission making the unauthorized Transfer if you had promptly notified usus or Clearing Firm, then you could can lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, . Should your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of Account Statement show any unauthorized use. c. Also, if you become aware of and/or your statement shows transactions Transfer that you did not makeauthorize, please notify us or Clearing Firm at once following the procedures stated in the below sub-section captioned “Information About Your Right to Dispute Errors.” once. If you do not notify us or Clearing Firm within sixty (60) days after you become aware of the transaction(s) and/or the statement Account Statement was made available to youmailed, you may not get back any of the value money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking value the unauthorized Transfer if you had notified us or Clearing Firm in time. If a good reason (such as a long trip or a hospital stay) kept keeps you from telling usnotifying us or Clearing Firm, we will extend the time periodsperiods above may be extended. If your CardAccount is an institutional (Corporation, PIN Non-Profit Organization, Non-Corporate Organizations, Partnerships, Estates, Pension and Profit Sharing Plans (not including IRAs and Employee Stock Ownership Plans) and other Trusts) account, you are liable for all unauthorized Transfers up to the time at which you notify us or Account number has been lost or stolen, we will close your Card and/or Account to keep losses down and send you a replacement Card and/or Account numberClearing Firm.

Your Liability for Unauthorized Transfers. a. All transactions including your Card are subject to all applicable agreements, rules and regulations of the Bank relating to the debit card program that are now in effect or as they may hereafter be amended, modified or adopted. You could lose all the money in your account (plus your maximum overdraft line of credit). If your Card and/or PIN is lost, stolen, or used without your permission, you agree to notify us immediately and to promptly confirm such notice in writing. Your liability for transactions with your Card and/or PIN will continue until 2 business days after the day we receive such written notice. If you do not notify us within 60 days from when the periodic statement containing an unauthorized transaction was first mailed or made available to you, we will be entitled to treat the information in the periodic statement as correct, and you will be precluded from asserting otherwise. Contact in Event of Unauthorized Transfer. Tell us at once AT ONCE if you believe your Card, Card and/or PIN or Account number has been lost or stolen. Telephoning is the best way to minimize of keeping your possible losseslosses down. If you believe your Card, Card and/or PIN or Account number has been lost or stolen, or someone has transferred or may transfer money from your Account account without your permission, call (▇▇▇) -▇▇▇-▇▇▇-▇▇▇▇ or write: Nodaway Valley Bank, Attn: Customer Service Center, ▇▇▇ ▇. If ▇▇▇▇ ▇▇▇▇▇▇, ▇▇ ▇▇▇ ▇▇▇, ▇▇▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇. You may also give us notice in person by coming to any of our branch locations. Our business hours are Monday through Friday, and Saturdays at some locations. Holidays are not included. MEANS OF IDENTIFICATION. You will be issued a Personal Identification Number (“PIN”) (that you notify us within two (2may change at your discretion) business days after to enable you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used the Card, PIN or Account number 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, Account number or PIN and we can prove that we could have stopped someone from to be identified when using your Account without your permission if you had promptly notified us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to for ATM transactions outside and for certain POS Transactions. Separate PINs will be issued for each individual Cardholder. The Card and the U.S. PIN are to be used as instructed and you agree not to disclose your PIN in any manner whatsoever to anyone. You must notify us immediately of any unauthorized use. c. Also, if you become aware of and/or may also be identified by your statement shows transactions that you did not make, notify us signature on the sales slip at once following the procedures stated in the below sub-section captioned “Information About Your Right to Dispute Errors.” If you do not notify us within sixty (60) days after you become aware of the transaction(s) and/or the statement was made available to you, you may not get back any of the value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking value if you had notified us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If your Card, PIN or Account number has been lost or stolen, we will close your Card and/or Account to keep losses down and send you make a replacement Card and/or Account numberPOS Transaction.

Your Liability for Unauthorized Transfers. a. Contact us at once if you believe your Card, PIN or Account number Card has been lost or stolen. Telephoning is the best way to minimize your possible losses. If you believe your Card, PIN or Account number Card has been lost or stolen, or that someone has transferred or may transfer money from your Card Account without your permission, call (▇▇▇) ▇▇▇-▇▇▇-▇▇▇▇ or visit ▇▇▇.▇▇▇▇.▇▇▇. If Under Visa Core Rules, your liability for unauthorized Visa debit transactions on your Card Account is $0.00 if you are not negligent or fraudulent in the handling of your Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa, or to anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us). You must notify us immediately of any unauthorized use. In the event the Visa Zero Liability Rules do not apply, if you notify us within two (2) business days after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used the Card, PIN or Account number 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, Account number or PIN Card and we can prove that we could have stopped someone from using your Account Card without your permission if you had promptly notified us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Also, if you become aware of and/or your statement shows transactions that you did not make, notify us at once following the procedures stated in the below sub-section captioned paragraph labeled “Information About Your Right to Dispute Errors.” If you do not notify us within sixty (60) days after you become aware of the transaction(s) transaction and/or after the statement [statement/transaction history] was made available to you, you may not get back any of the value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the value if you had notified 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 your Card, PIN or Account number Card has been lost or stolen, we will close your Card and/or Account to keep losses down and will send you a replacement Card and/or Account numbercard. There is a fee for replacing your Card. For information about the fee, see the section labeled “Fee Schedule.”

Your Liability for Unauthorized Transfers. a. Contact Tell us at once AT ONCE if you believe your Card, Card or PIN or Account number has been stolen. Telephoning is the best way to minimize your possible losses. If your Card, PIN or Account number has been lost or stolen, . Reporting your Card lost or someone has transferred stolen online at ▇▇▇.▇▇▇▇▇▇▇▇.▇▇▇ or may transfer money from your Account without your permission, call calling us at (▇▇▇) ▇▇▇-▇▇▇▇▇ is the best way of keeping your possible losses down. You could lose all the money on your Card. 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 the Card, PIN or Account number without your permission. If you do not notify us within two (2) business days after you learn of the loss or theft of your CardCard or PIN, Account number 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 business days after you learn of the loss or theft of your Card or PIN, and we can prove that we could have stopped someone from using your Account Card or PIN without your permission if you had promptly notified told us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, 500. (Note: If your liability for unauthorized Visa debit transactions made with the Card is $0.00 if a MasterCard Card, you are will not be liable for the amounts stated above if: your Card is in good standing; you have not reported more than two incidents of unauthorized use in the preceding 12 months; and you have exercised reasonable care in safeguarding your Card from risk of loss or theft. If your Card is a Visa Card, you will not be liable for the amounts stated above unless we determine that you were grossly negligent or fraudulent in the handling of the your Card. This reduced liability .) You agree that any unauthorized use does not apply include use by a person to certain commercial card transactionswhom you have given authority to use the Card or PIN and that you will be liable for all such uses by such person. For example, if you have given your Card or Card information to another person to use, such as a friend or relative, you are responsible for that person’s transactions not processed by Visa or with your Card, and if you have given your Card information to ATM transactions outside a merchant for a transaction, you have given authority to that merchant to debit the U.S. You must notify us immediately of any unauthorized use. c. Card for that transaction. Also, if you become aware of and/or your statement on-line or paper transaction history shows transactions transfers that you did not make, notify including those made by your Card, PIN or other means, tell us at once following the procedures stated in the below sub-section captioned “Information About Your Right to Dispute Errors.” once. If you do not notify tell us within sixty 60 days after: (60i) days after you become aware electronically access your Card information at ▇▇▇.▇▇▇▇▇▇▇▇.▇▇▇; or (ii) we provide you with a written history of the transaction(s) and/or the statement was made available to youyour Card transactions, you may not get back any of the Card value you lost after the sixty (60) 60 days if we can prove that we could have stopped someone from taking the Card value if you had 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. If your Card, PIN or Account number has been lost or stolen, we will close your Card and/or Account to keep losses down and send you a replacement Card and/or Account number.

Your Liability for Unauthorized Transfers. a. Contact Please tell us at once AT ONCE if you believe your Visa Check Card, your Fidelity Bank credit card, or your PIN or Account number has been stolenlost or stolen or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way to minimize of keeping your possible losseslosses down. You could lose all the money in your account, plus the maximum amount of any line of credit linked to your account (such as a Checking Reserve or Equity Reserve account). If you believe your Card, PIN or Account number Visa Check Card has been lost or stolen, or someone has transferred or may transfer money from your Account without your permission, call (▇▇▇) ▇▇▇-▇▇▇▇. If and you notify tell us within two (2) business days after you learn of any unauthorized transactionsthe loss or theft, you can lose no more than $50.00 if someone used the Card, PIN or Account number without for unauthorized transactions using your permissioncard. If you do not notify NOT tell us within two (2) business days after you learn of the loss or theft of your Cardcard, Account number or PIN and we can prove that we could have stopped someone from using your Account card without your permission if you had promptly notified told us, you could can lose as much as no more than $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability 500 for unauthorized Visa debit transactions made transactions. Losses could include not only the money in your account, but also advances on any credit line associated with the Card is $0.00 if you are not negligent or fraudulent in the handling of the Cardyour account. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Also, if you become aware of and/or your statement shows transactions transfers that you did not make, notify including those made by card, PIN or other means, tell us at once following the procedures stated in the below sub-section captioned “Information About Your Right to Dispute Errors.” once. If you do not notify tell us within sixty (60) 60 days after you become aware of the transaction(s) and/or the statement was made available mailed to you, you may not get back any of the value money you lost after the sixty (60) 60 days if we can prove that we could have stopped someone from taking value the money if you had 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 may extend the time periods. If Remember, if you maintain the confidentiality of your CardPIN, it will reduce the possibility of the unauthorized use of your card. Do not write your PIN number on your card or Account number has been lost or stolen, we will close your Card and/or Account to keep losses down and send you a replacement Card and/or Account numbercredit card.

Your Liability for Unauthorized Transfers. a. Contact us at once if you believe your Card, PIN or Account number has been stolen. Telephoning is the best way to minimize your possible losses. If your Card, PIN or Account number has been lost or stolen, or someone has transferred or may transfer money from your Account without your permission, call (▇▇▇) ▇▇▇-▇▇▇▇. 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 the Card, PIN or Account number 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, Account number or PIN and we can prove that we could have stopped someone from using your Account without your permission if you had promptly notified us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any errors, discrepancies, or possible unauthorized use. c. Also, if you become aware payments as soon as possible upon learning of and/or your statement shows transactions that you did not make, notify us at once following the procedures stated in the below sub-section captioned “Information About Your Right to Dispute Errors.” discrepancy. If you do not fail to notify us within sixty (60) days after you become aware have received notice of an unauthorized or erroneous transfer or Bill Payment, the Bank will not owe you any interest on the amount in question, even if we are otherwise liable to you in connection with the transaction. The Bank and its Service Provider(s) shall have no liability to you for any unauthorized payment or transfer made using your Password that occurs before you have notified us of any possible unauthorized use, and we have had a reasonable opportunity to act upon that notice. If you fail to notify us of any discrepancy within one (1) year, you shall be precluded from asserting any such discrepancy against us. a. Limitation of Institution Liability - The Bank and its Service Provider(s) will be deemed to have exercised all due care and to have acted reasonably if we act in accordance with the terms of this agreement and will be liable for loss sustained by you only to the extent such loss is caused by our misconduct. The Bank and its Service Provider(s) will have no liability for any loss or damage: (1) related to the dishonesty of the transaction(sBusiness Customer’s employees, officers, agents, or Authorized Persons; (2) resulting from any receiving financial institution’s failure to accept any payment or funds transfer request. b. If the Bank and/or its Service Provider(s) fail or delay in making a transfer or bill payment pursuant to your instruction, or if we make a transfer or payment in an erroneous amount which is less than the statement amount per your instruction, unless otherwise required by Law our liability shall be limited to interest on the amount which we failed to timely pay, calculated from the date on which the payment was to be made available until the date it was actually made or you canceled the instruction. c. We may pay such interest either to you, you may not get back any or the intended recipient of the value payment, but in no event will we be liable to both parties, and our payment to either party will fully discharge any obligation to the other. If we make a payment in an erroneous amount which exceeds the amount per your payment instruction, or if we permit an unauthorized payment after we have had a reasonable time to act on a notice from you lost after of possible unauthorized use as described above, unless otherwise required by Law, our liability will be limited to a refund of the amount erroneously paid, plus interest thereon from the date of the payment to the date of the refund, but in no event to exceed sixty (60) days if interest. d. If we can prove that we could become liable to you for interest compensation under this agreement or applicable Law, such interest shall be calculated based on the average federal funds rate at the federal reserve bank in the district nearest to the bank located at which your account is domiciled for each day interest is due, computed on the basis of a three hundred sixty (360) day year. e. No third party will have stopped someone from taking value if you had notified us in timerights or claims against the Bank and its Service Provider(s) under this Agreement. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we The terms of this section will extend the time periods. If your Card, PIN or Account number has been lost or stolen, we will close your Card and/or Account to keep losses down and send you a replacement Card and/or Account numbersurvive termination of this Agreement.

Your Liability for Unauthorized Transfers. a. Contact If you believe any of your Access Codes has been lost or stolen, you should notify us and change your password immediately. Tell us at once if you believe your Cardstatement, PIN account or Account number transaction information, or security information has been lost, stolen, or compromised. Telephoning Contacting us by phone is the best way to minimize of keeping your possible losseslosses down. If You could lose all the money in your Cardaccount, PIN or Account number has been lost or stolenas well as your maximum overdraft limit, or someone has transferred or may transfer money from your Account without your permission, call (▇▇▇) ▇▇▇-▇▇▇▇if applicable. 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 if someone used the Card, PIN or Account number your security information without your permission. If you do not notify tell us within two (2) business days after you learn of the loss or theft of your Cardsecurity information, Account number or PIN and we can prove that we could have stopped someone from using your Account security information without your permission if you had promptly notified us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Also, if you become aware of and/or If your statement shows transactions transfers that you did not make, notify tell us at once following the procedures stated in the below sub-section captioned “Information About Your Right to Dispute Errors.” once. If you we do not notify us receive notification from you within sixty (60) calendar days after you become aware of the transaction(s) and/or the statement was made available to youdate, you may not get back be entitled to any type of account re-credit for lost funds. We will tell you the value you lost results of our investigation within ten business days after the sixty (60) days if we can prove that we could have stopped someone hear from taking value if you had notified us in timeyou, and will correct any error promptly. If a good reason (such as a long trip we need more time, however, we may take up to forty-five calendar days to investigate your complaint or a hospital stay) kept you from telling usquestion. If we determine we need this extra time, we will extend provisionally credit your account within ten business days for the amount you think is in error. You will have the use of the money during the time periodsit takes us to complete our investigation. If we ask you to put your Cardcomplaint or question in writing and we do not receive it within ten business days, PIN or Account number has been lost or stolenwe may not provisionally credit your account. If we decide that there was no error, we will close your Card and/or Account to keep losses down and send you a replacement Card written explanation within three business days after we finish our investigation. You may ask for copies of the documents we used in our investigation. While the credit union has taken all necessary and optional precautions to ensure the security and safety of its website and the Internet Banking Service, the credit union does not guarantee that downloads from the site will be free of any viruses or other destructive devices. Additionally, you provide, request, and receive information from the site with the knowledge that such information can be intercepted and/or Account numberviewed by unknown third parties.

Your Liability for Unauthorized Transfers. a. Contact us at once if Immediately following your discovery of an unauthorized Payment Instruction, you believe your Card, PIN or Account number has been stolenshall communicate with customer care for the Service in the manner set forth in Section 6 of the General Terms above. Telephoning You acknowledge and agree that time is of the best way to minimize your possible lossesessence in such situations. If you tell us within two (2) Business Days after you discover your Card, PIN password or Account number other means to access your account through which you access the Service has been lost or stolen, or someone has transferred or may transfer money from your Account without your permission, call (▇▇▇) ▇▇▇-▇▇▇▇. If you notify us within two (2) business days after you learn of any unauthorized transactions, you can lose liability is no more than $50.00 if should someone used the Card, PIN or Account number access your account without your permission. If you do not notify tell us within two (2) business days Business Days after you learn of the such loss or theft of your Cardtheft, Account number or PIN and we can prove that we could have stopped someone from using prevented the unauthorized use of your Account without password or other means to access your permission account if you had promptly notified told us, you could lose be liable for as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, . If your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Also, if you become aware of and/or your monthly financial institution statement shows transactions contains payments that you did not makeauthorize, notify you must tell us at once following the procedures stated in the below sub-section captioned “Information About Your Right to Dispute Errors.” once. If you do not notify tell us within sixty (60) days after you become aware of the transaction(s) and/or the statement was made available sent to you, you may not get back lose any of the value you lost amount transferred without your authorization after the sixty (60) days if we can prove that we could have stopped someone from taking value if the money had you had notified told us in time. If a good reason (such as a long trip or a hospital stay) kept prevented you from telling us, we will extend the time periodsperiods specified above to a reasonable period. If connection with the Service in statistical form for pattern recognition, modeling, enhancement and improvement, system analysis and to analyze the performance of the Service. The following provisions in this Section apply to certain Services: a. Mobile Subscriber Information. You authorize your Cardwireless carrier to disclose information about your account, PIN such as subscriber status, payment method and device details, if available, to support identity verification, fraud avoidance and other uses in support of transactions for the duration of your business relationship with us. This information may also be shared with other companies to support your transactions with us and for identity verification and fraud avoidance purposes. b. Device Data. We may share certain personal information and device-identifying technical data about you and your devices with third party service providers, who will compare and add device data and fraud data from and about you to a database of similar device and fraud information in order to provide fraud management and prevention services, which include but are not limited to identifying and blocking access to the applicable service or Account number has been lost Web site by devices associated with fraudulent or stolen, we abusive activity. Such information may be used by us and our third party service providers to provide similar fraud management and prevention services for services or Web sites not provided by us. We will close your Card and/or Account to keep losses down and send you a replacement Card and/or Account numbernot share with service providers any information that personally identifies the user of the applicable device.

Your Liability for Unauthorized Transfers. a. If you are unable to find your Card, you may put a security hold on your Card so no money can be spent or cash withdrawn while you look for it. Click “Card Lock” from the Privacy page in the AnyDay Mobile Application. Contact us at once if you believe your Card, PIN or Account number Card has been lost or stolen. Telephoning is the best way to minimize If you believe your possible losses. If your Card, PIN or Account number Card has been lost or stolen, or that someone has transferred or may transfer money from your Card Account without your permission, call (▇▇▇) us at 1-(877)- ▇▇▇-▇▇▇▇. Under Mastercard Operating Regulations, your liability for unauthorized Mastercard transactions on your Card Account is $0.00 if you notify us within two (2) business days and you are not grossly negligent or fraudulent in the handling of your Card. This reduced liability does not apply to PIN transactions not processed by Mastercard or to ATM cash withdrawals. 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 the Card, PIN or Account number 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, Account number or PIN Card and we can prove that we could have stopped someone from using your Account Card without your permission if you had promptly notified us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Also, if you become aware of and/or your statement shows transactions that you did not make, notify us at once following the procedures stated in the below sub-section captioned paragraph labeled “Information About Your Right to Dispute Errors.” ”. If you do not notify us in writing within sixty (60) days after you become aware of the transaction(s) transaction and/or after the statement was made available to you, you may not get back any of the value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the value if you had notified us in timetime and you are grossly negligent or fraudulent in the handling of your Card. 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 your Card, PIN or Account number Card has been lost or stolen, we will close your Card and/or Account to keep losses down and send you down. To obtain a replacement Card and/or Account numbercard, call ▇-(▇▇▇)-▇▇▇-▇▇▇▇.

Your Liability for Unauthorized Transfers. a. Contact You must contact us immediately at once if you believe your Card, PIN or Account number has been stolen. Telephoning is the best way to minimize your possible losses. If your Card, PIN or Account number has been lost or stolen, or someone has transferred or may transfer money from your Account without your permission, call (▇▇▇) -▇▇▇-▇▇▇-▇. If ▇▇▇ 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 believe the Card, PIN or Varo Bank Account number has been stolen, compromised, or your account has been used 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, Account number or PIN and we can prove that we could have stopped someone from using your Account without your permission if you had promptly notified us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating RegulationsCore Rules, your liability for unauthorized Visa debit transactions made with on the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa Visa, or to ATM transactions outside anonymous prepaid cards (until such time as the U.S. identity of the cardholder has been registered with us). You must notify us immediately of any unauthorized use. c. . In the event that the Visa Zero Liability Rules do not apply, if you notify us within two (2) business days after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used the Varo Bank Account without your permission. If you do not notify us within two (2) business days after you learn of the loss or theft of the Card, PIN, or Varo Bank Account number and we can prove that we could have stopped someone from using the Varo Bank Account 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 that you did not makeauthorize, notify us ▇▇▇▇ at once following the procedures stated in the below sub-section paragraph captioned “"Information About Your Right to Dispute Errors.” ". If you do not notify us within sixty (60) days after you become aware of the transaction(s) and/or the statement was made available to you, you may not get back any of the value you lost after the sixty (60) days if we can prove that we someone could have been stopped someone from taking value if you had notified provided us notice 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 your Card, PIN or Varo Bank Account number has been lost lost, stolen or stolencompromised, we will close your deactivate the Card and/or Varo Bank Account to keep losses down prevent further transactions from occurring and send you a replacement Card and/or Varo Bank Account numberNumber. If your Varo Bank Account number changes you must immediately notify your employer or any other payors or merchants. You must provide them with the new Varo Bank Account number to ensure your direct deposit and/or ACH Debit activity continues uninterrupted.

Your Liability for Unauthorized Transfers. a. Contact us You must contact Synapse, by calling at once if you believe your Card, PIN or Account number has been stolen. Telephoning is the best way to minimize your possible losses. If your Card, PIN or Account number has been lost or stolen, or someone has transferred or may transfer money from your Account without your permission, call +▇(▇▇▇) ▇▇▇-▇▇▇▇ or emailing ▇▇▇▇@▇▇▇▇▇▇▇▇▇.▇▇▇ if you believe your Account number was stolen or if you believe someone has transferred or may transfer money from your Account without permission. If your account number was stolen or if you believe someone has transferred or may transfer money from your Account without permission contact us immediately through Synapse, at the number specified above. 6.8.1. If you notify us within two (2) business days after you learn of any unauthorized transactionstransaction, you can lose no more than $50.00 if someone used the Card, PIN or your Account number 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, Account number or PIN and we can prove that we could have stopped someone from using your Account without your permission if you had promptly notified us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card6.8.2. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Also, if If you become aware of and/or your statement shows transactions that you did not make, notify us at once following the procedures stated in the section below sub-section captioned “Information About Your Right to Dispute ErrorsErrors and Disputes.” If you do not notify us within sixty (60) days after (i) you become aware of the transaction(s) and/or (ii) the statement was made available to you, you may not get back any of the value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking value if you had notified us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If your Card, PIN or Account number has been lost or stolenAfter receiving notice from you of such an event, we will close your Card and/or Account to keep losses down and send issue you a replacement Card and/or new Account number. 6.8.3. If your Account number changes, you must immediately notify your employer or any other payors or merchants. You must provide them with your new Account number to ensure that your direct deposit and/or payments activity continues uninterrupted. 6.8.4. If you furnish your access device and grant actual authority to make transfers to someone who then exceeds that authority, you will be liable for the transfers the person makes unless we have been notified that transfers by that person are no longer authorized. If you claim a credit or refund because of a forgery, alteration, or any other unauthorized withdrawal, you agree to cooperate with us in the investigation of the loss, including giving us an affidavit containing whatever reasonable information we require concerning your Account, the transaction, and the circumstances surrounding the loss. You will notify law enforcement authorities of any criminal act related to the claim of lost, missing, or stolen checks or unauthorized withdrawals. We will have a reasonable period of time to investigate the facts and circumstances surrounding any claim of loss. Unless we have acted in bad faith, we will not be liable for any special or consequential damages, including loss of profits or opportunity, or for attorneys’ fees incurred by you. You agree that you will not waive any rights you have to recover your loss against anyone who is obligated to repay, insure, or otherwise reimburse you for your loss. You will pursue your rights or, at our option, assign them to us so that we may pursue them. Our liability will be reduced by the amount you recover or are entitled to recover from these other sources. Concerning each item you deposit with us, or which we cash for you or give other consideration, you make the following warranties to us whether Bank is the payor bank or depository bank: all necessary signatures and endorsements have been placed on the time and are genuine, the item has not been materially altered and you have good title to it, and no defense of any party to the item is good against you. If any such warranty is breached, we may deduct the amount of the item from any of your accounts or otherwise collect from you this amount plus expenses.

Your Liability for Unauthorized Transfers. a. Contact Tell us at once AT ONCE if you believe your Card, Card or PIN or Account number has been stolen. Telephoning is the best way to minimize your possible losses. If your Card, PIN or Account number has been lost or stolen, . Reporting your Card lost or someone has transferred or may transfer money from your Account without your permission, call (stolen online at ▇▇▇) ▇▇▇-.▇▇▇▇▇▇▇▇.▇▇▇ or calling us at the number on the back of your Card is the best way of keeping your possible losses down. You could lose all the money on your Card. If you notify tell us within two (2) business days after you learn learning of any unauthorized transactionsthe loss or theft of your Card or PIN, you can lose no more than $50.00 50 if someone used the Card, your Card or PIN or Account number 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 CardCard or PIN, Account number or PIN and we can prove that we could have stopped someone from using your Account Card or PIN without your permission if you had promptly notified told us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability 500. (Note: You will not be liable for unauthorized Visa debit transactions made with the Card is $0.00 if amounts stated above unless we determine that you are not were grossly negligent or fraudulent in the handling of the your Card. This reduced liability .) You agree that any unauthorized use does not apply include use by a person to certain commercial card transactions, transactions not processed whom you have given authority to use the Card or PIN and that you will be liable for all such uses by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. such person. Also, if you become aware of and/or your statement on-line or paper transaction history shows transactions transfers that you did not make, notify including those made by your Card, PIN or other means, tell us at once following the procedures stated in the below sub-section captioned “Information About Your Right to Dispute Errors.” once. If you do not notify tell us within sixty 60 days after: (60i) days after you become aware electronically access your Card information at ▇▇▇.▇▇▇▇▇▇▇▇.▇▇▇; or (ii) we provide you with a written history of the transaction(s) and/or the statement was made available to youyour Card transactions, you may not get back any of the Card value you lost after the sixty (60) 60 days if we can prove that we could have stopped someone from taking the Card value if you had 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. If your Card, PIN or Account number has been lost or stolen, we will close your Card and/or Account to keep losses down and send you a replacement Card and/or Account number.

Your Liability for Unauthorized Transfers. a. Contact us at once You must report to the credit union AT ONCE if you believe your Cardaccount number, PIN PIN, or Account number any other code, password, or other means of identification we have provided to you has been stolen, disclosed to or used by an unauthorized person. Enabling your computer to memorize or save your password or other security codes shall be considered authorization for any subsequent use of your computer and access to eBanking, mobile banking, or eBill Pay by any other person. Telephoning the credit union is the best way to minimize your possible losses. If your Card, PIN or Account number has been lost or stolen, or someone has transferred or may transfer money from your Account without your permission, call (▇▇▇) ▇▇▇-▇▇▇▇keep losses at a minimum. 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 the Card, PIN or Account number without your permission. If you do not notify us within two (2) business days after you learn of the loss or theft of your Cardcard or PIN, Account number you can lose no more than $50 if someone used your card or PIN or accessed your account without permission. If you do NOT notify us within two (2) business days after you learn of the theft or unauthorized use of your account number, PIN or any other code, password, or other means of identification we have provided to you and we the credit union can prove that we it could have stopped someone from using your Account identification or password without your permission if you had promptly notified ustold the credit union, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card500. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Also, if you become aware of and/or your statement shows transactions transfers that you did not makeauthorize, notify tell us at once following the procedures stated in the below sub-section captioned “Information About Your Right to Dispute Errors.” once. If you do not notify tell us within sixty (60) days after you become aware of the transaction(s) and/or the statement was made available delivered to you, you may not get back any of the value money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking value the money if you had notified told us in time. If a good reason (such as a hospital stay or long trip or a hospital staytrip) kept you from telling usus of the unauthorized transfer, we will may extend the time periodsnotice period, as deemed reasonable. If your Cardyou believe the account number, PIN PIN, or Account number any other code, password, or other means of identification we have provided to you has been lost or lost, stolen, we will close disclosed to or used by an unauthorized person or that someone has transferred or may transfer money from your Card and/or Account to keep losses down and send you a replacement Card and/or Account numberaccount without your permission, call or write us at the telephone number or address indicated in this Agreement.

Your Liability for Unauthorized Transfers. a. Contact You must contact us immediately via the App (if available), or by calling us at once if you believe your Card, PIN or Account number has been stolen. Telephoning is the best way to minimize your possible losses. If your Card, PIN or Account number has been lost or stolen, or someone has transferred or may transfer money from your Account without your permission, call (▇▇▇) -▇▇▇-▇▇▇-▇. If ▇▇▇ 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 believe the Card, PIN PIN, or Bank Account number has been stolen, compromised, or your Bank Account has been used 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, Account number or PIN and we can prove that we could have stopped someone from using your Account without your permission if you had promptly notified us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating RegulationsCore Rules, your liability for unauthorized Visa debit transactions made with on the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa Visa, or to ATM transactions outside anonymous prepaid cards (until such time as the U.S. identity of the cardholder has been registered with us). You must notify us immediately of any unauthorized use. c. . In the event that the Visa Zero Liability Rules do not apply, if you notify us within two (2) business days after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used the Bank Account without your permission. If you do not notify us within two (2) business days after you learn of the loss or theft of the Card, PIN, or Bank Account number and we can prove that we could have stopped someone from using the Bank Account 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 that you did not makeauthorize, notify us ▇▇▇▇ at once following the procedures stated in the below sub-section paragraph captioned “"Information About Your Right to Dispute Errors.” " If you do not notify us within sixty (60) days after you become aware of the transaction(s) and/or the statement was made available to you, you may not get back any of the value you lost after the sixty (60) days if we can prove that we someone could have been stopped someone from taking value if you had notified provided us notice in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will may extend the time periods. If your Card, PIN PIN, or Bank Account number has been lost lost, stolen, or stolencompromised, we will close your deactivate the Card and/or Bank Account to keep losses down prevent further transactions from occurring and send you a replacement Card and/or Bank Account numberNumber.

Your Liability for Unauthorized Transfers. a. Contact Tell us at once AT ONCE if you believe your Frost Bank ATM Card, Debit Card or similar card, or your Frost Bank User ID, PIN or other device or code which accesses your Account number has been stolenlost, stolen or otherwise learned or acquired by an unauthorized person, or if you believe that an electronic funds transfer has been made without your permission using information from your check or otherwise. Telephoning is the The best way to minimize your possible lossesloss is to call us immediately. If The unauthorized use of your Cardcard or PIN could cause you to lose all of your money in your Accounts, PIN or Account number has been lost or stolen, or someone has transferred or may transfer money from plus any amount available under your Account without your permission, call (▇▇▇) ▇▇▇-▇▇▇▇. If you notify us within two (2) business days after you learn of any unauthorized transactions, you can lose no more than $50.00 overdraft protection if someone used the Card, PIN or Account number 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, Account number or PIN and we can prove that we could have stopped someone from using your Account without your permission if you had promptly notified us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling of the Carda timely manner. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Also, if you become aware of and/or your Account statement shows transactions transfers that you did not make, notify including those made by card, code or other means, tell us at once following the procedures stated in the below sub-section captioned “Information About Your Right to Dispute Errors.” If once. You will have no liability for unauthorized transactions if you do not notify us within sixty (60) calendar days after the statement showing the transaction has been mailed to you. If you become aware of the transaction(sdo not tell us within sixty (60) and/or calendar days after the statement was made available mailed to you, you may not get back any of the value money you lost after the sixty (60) calendar days if we can prove that we could have stopped someone from taking value the money if you had notified told us in time. If a good valid reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If For transactions processed through the Visa or MasterCard system (for example, use of your Cardpersonal Debit Card when no PIN is used), PIN liability limits differ from those set forth above. For transactions processed through the Visa or Account number has been lost or stolenMasterCard system, you will have no liability for unauthorized transactions in accordance with each network’s respective policies regarding “zero liability” if you promptly report the unauthorized transactions to us. For Visa transactions, we will close may impose greater liability, to the extent allowed by law, if we reasonably determine that you were negligent or fraudulent in the handling of your Account or your personal Debit Card. For MasterCard transactions, we may impose greater liability, to the extent allowed by law, if we reasonably determine that you did not exercise reasonable care in safeguarding your personal Debit Card and/or Account from the risk of loss or theft. We may reasonably determine that you were negligent or that you failed to keep losses down and send exercise reasonable care, for instance, if you a replacement Card and/or Account numberdo not promptly report one or more unauthorized transactions to us.

Your Liability for Unauthorized Transfers. a. Contact You agree to exercise reasonable control over your PIN(s); user ID(s); and password(s) and any other access code related to your Card Account (each, an “Access Code" collectively access information) and your Card. Tell us at once AT ONCE if you believe your Card, PIN Card or Account number has been stolen. Telephoning is the best way to minimize your possible losses. If your Card, PIN or Account number Access Information has been lost or stolen. Also, if your transaction history shows transfers that you did not make, including those made with your Card, Card Number or Account Number, or someone you believe an electronic transfer has transferred or may transfer money from your Account been made without your permission, call (▇▇▇) tell us at once. Telephoning us at ▇▇▇-▇▇▇-▇▇▇▇ is the best way of keeping your possible losses down. You could lose all of the money in your Card Account. You agree that any unauthorized use does not include use by a person to whom you have given authority to use your Card Account or Access Information and that you will be liable for all such uses and funds transfers by such person(s). If you notify have a verified/personalized card the following provisions of this Section also apply: If you 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 the Card, PIN or Account number 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, Account number Card or PIN 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 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 Account Card or Access Information without your permission if you had promptly notified ustold us within this time frame, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, 500 if someone used your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling of the CardAccess Information without your permission. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Also, if you become aware of and/or your statement electronic history shows transactions that you did not make, notify including those made by Card, Access Information or by other means, tell us at once following the procedures stated in the below sub-section captioned “Information About Your Right to Dispute Errors.” AT ONCE. If you do not notify tell us within sixty (60) 120 days after you become aware of the transaction(s) and/or the statement alleged unauthorized transfer was made available credited or debited to youyour Card Account, you may not get back any of the value money you lost after the sixty (60) days this period if we can prove that we could have stopped someone from taking value the money if you had notified told us in time. If a good reason (such as a long trip or a hospital stay) kept you from learning of the unauthorized transaction and telling us, we will extend the time periods. If your Card, PIN or Account number has been lost or stolen, we will close your Card and/or Account to keep losses down and send you periods for a replacement Card and/or Account numberreasonable period in our sole discretion.

Your Liability for Unauthorized Transfers. a. If you are unable to find your Card, you may put a security hold on your Card so no money can be spent or cash withdrawn while you look for it. Click “Card Lock” from the Privacy page in the AnyDay Mobile Application. Contact us at once if you believe your Card, PIN or Account number Card has been lost or stolen. Telephoning is the best way to minimize If you believe your possible losses. If your Card, PIN or Account number Card has been lost or stolen, or that someone has transferred or may transfer money from your Card Account without your permission, call (▇▇▇) us at 1-(877)- ▇▇▇-▇▇▇▇. Under Discover Operating Regulations, your liability for unauthorized Discover transactions on your Card Account is $0.00 if you notify us within two (2) business days and you are not grossly negligent or fraudulent in the handling of your Card. This reduced liability does not apply to PIN transactions not processed by Discover or to ATM cash withdrawals. 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 the Card, PIN or Account number 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, Account number or PIN Card and we can prove that we could have stopped someone from using your Account Card without your permission if you had promptly notified us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Also, if you become aware of and/or your statement shows transactions that you did not make, notify us at once following the procedures stated in the below sub-section captioned paragraph labeled “Information About Your Right to Dispute Errors.” ”. If you do not notify us in writing within sixty (60) days after you become aware of the transaction(s) transaction and/or after the statement was made available to you, you may not get back any of the value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the value if you had notified us in timetime and you are grossly negligent or fraudulent in the handling of your Card. 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 your Card, PIN or Account number Card has been lost or stolen, we will close your Card and/or Account to keep losses down and send you down. To obtain a replacement Card and/or Account numbercard, call ▇-(▇▇▇)-▇▇▇-▇▇▇▇.

Your Liability for Unauthorized Transfers. a. Contact us at once You agree to take all the necessary steps to protect your Card. You may immediately block or suspend any activity on your Card through the App. if you believe your Card, PIN or Account number has been stolen. Telephoning is the best way to minimize your possible losses. If your Card, PIN or Account number Card has been lost or stolen, or should you wish to do so to keep your Card safe. If you believe your Card has been lost or stolen, or that someone has transferred or may transfer money from your Card Account without your permission, call (▇▇▇us at the Customer Service number above. When you use your registered Personalized prepaid Mastercard, you're protected against unauthorized transactions. As a Mastercard cardholder, Zero Liability applies to your purchases made in the store, over the telephone, online, or via a mobile device. As a cardholder, 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 promptly reported loss or theft to us. If you believe there has been unauthorized use of your account and you meet the conditions above, rest easy knowing you have the protection of Mastercard’s Zero Liability promise. For additional protections with respect to unauthorized transactions, please contact us at1(800) ▇▇▇-▇ ▇▇▇▇. 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 the Card, PIN or Account number 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, Account number or PIN and we can prove that we could have stopped someone from using your Account without your permission if you had promptly notified us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card. This reduced liability Note: Zero Liability does not apply to certain commercial card transactionsunregistered prepaid cards, transactions not processed by Visa or to ATM transactions outside such as the U.S. You must notify us immediately of any unauthorized use. c. Purewrist GO Starter Card. Also, if you become aware of and/or your statement shows transactions that you did not make, notify us at once following the procedures stated in the below sub-section captioned paragraph labeled “Information About Your Right to Dispute Errors.” If you do not notify us in writing within sixty (60) days after you become aware of the transaction(s) transaction and/or after the statement was made available to you, you may not get back any of the value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the value if you had notified us in timetime and you are grossly negligent or fraudulent in the handling of your Card. 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 your Card, PIN or Account number Card has been lost or stolen, stolen please notify us immediately and we will close inactive your Card and/or Account to keep losses down and send you a replacement Card. In some cases, we may close your Card and/or Account numberto keep losses down. Upon your request, we may provide you with a replacement Card Account.

Your Liability for Unauthorized Transfers. a. Contact us at once Tell FSB AT ONCE if you believe your CardATM card, PIN debit card, Personal Identification Number (PIN) or Account number similar code has been stolen. Telephoning is the best way to minimize your possible losses. If your Cardlost, PIN or Account number has been lost or stolen, or someone learned by an unauthorized person, or if you believe that an electronic fund transfer has transferred or may transfer money been made without your permission using information from your Account without your permission, call (▇▇▇) ▇▇▇-▇▇▇▇check. If you notify us tell FSB within two (2) business days after you learn of any unauthorized transactionsthe loss or theft, you can lose no more than $50.00 if 50 for an unauthorized electronic funds transfer or a series of related unauthorized transfers should someone used the Card, PIN use your card or Account number code without your permission. If you do not notify us NOT tell FSB within two (2) business days after you learn of the loss or theft of your Card, Account number card or PIN code and we can prove that we FSB could have stopped someone from using your Account card or code without your permission if you had promptly notified ustold FSB, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling 500. Your losses could include all of the Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Alsomoney in your account plus, if you become aware of and/or have an overdraft protection plan linked to your account, any transfers from another account, or any advances on a credit line or credit card. Tell FSB AT ONCE if your statement shows transactions transfers that you did not make, notify us at once following the procedures stated in the below sub-section captioned “Information About Your Right to Dispute Errors.” including those made by card, code, or other means. If you do not notify us tell FSB within sixty (60) 60 days after you become aware of the transaction(s) and/or the statement was made available mailed to you, you may not get back any of the value money you lost after the sixty (60) 60 days if we can prove that we FSB could have stopped someone from taking value the money if you had notified us told FSB in time. If a good reason (such as a long trip or a hospital stay) kept you from telling usFSB, we FSB will extend the time periodsperiods for claims of unauthorized transfers. Service Fee Schedule. You may also contact FSB on ▇▇▇▇.▇▇▇. You should also call the number or write to the address listed on the Service Fee Schedule or contact FSB at ▇▇▇▇.▇▇▇ if you believe a transfer has been made using the information from your check without your permission. If your Cardunauthorized activity occurs, PIN or Account number has been lost or stolen, we will close your Card and/or Account you agree to keep losses down cooperate during the investigation and send you a replacement Card and/or Account numberto complete an affidavit regarding the unauthorized activity.

Your Liability for Unauthorized Transfers. a. Contact If you disclose your password to anyone, you assume all risks and losses associated with such disclosu re. You are responsible for all transactions you authorize using the Service, as well as transactions authorized by any party to whom you have disclosed your password. Tell us at once AT ONCE if you believe your Card, PIN or Account number has been stolen. Telephoning is the best way to minimize your possible losses. If your Card, PIN or Account number password has been lost or stolen, or someone if you believe that an electronic funds transfer has transferred or may transfer money from your Account without your permission, call (▇▇▇) ▇▇▇-▇▇▇▇. 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 the Card, PIN or Account number been made without your permission. Telephoning is the best way of keeping your possible losses down. You could lose all of the money in your account (plus your maximum overdraft line of credit). Your liability for an unauthorized electronic funds transfer or a series of related unauthorized electronic funds transfers will be determined as follows: • If you do not notify tell us within two (2) business days Business Days after you learn of the loss or theft of your Cardpassword, Account number you can lose no more than $50 if someone used your password without your permission . If you do NOT tell us within two Business Days after you learn of the loss or PIN theft of your password, and we can prove that we could have stopped someone from using your Account password without your permission if you had promptly notified told us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card500. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. • Also, if you become aware of and/or your periodic statement shows transactions transfers that you did not make, notify including those made by using your password, tell us at once following the procedures stated in the below sub-section captioned “Information About Your Right to Dispute Errors.” once. If you do not notify tell us within sixty (60) 60 days after you become aware of the transaction(s) and/or the statement was made available or transmitted to you, you may not get back any of the value money you lost after the sixty (60) 60 days if we can prove that we could have stopped someone from taking value your money if you had notified told us in on time. • If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will may extend the time periods. If your CardYou may notify us by telephone by calling (▇▇▇) ▇▇▇-▇▇▇▇. You may also notify us in person by visiting one of our branches or notify us in writing at BCU, PIN or Account number has been lost or stolen▇▇▇ ▇. ▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇, we will close your Card and/or Account to keep losses down and send you a replacement Card and/or Account number▇▇▇▇▇▇ ▇▇▇▇▇, ▇▇ ▇▇▇▇▇.

Your Liability for Unauthorized Transfers. a. Contact Tell us at once AT ONCE if you believe your Card, PIN or Card Account number or PIN has been stolenlost or stolen or funds have been transferred from your Account without your permission. You could lose all the money in your Account. Telephoning is the best way to minimize your possible losses. If your Card, PIN or Account number has been lost or stolen, or someone has transferred or You may transfer money from your Account without your permission, call (us at ▇▇▇) -▇▇▇-▇▇▇▇. If you notify tell us within two (2) business days after you learn of any unauthorized transactionsthe loss or theft of your Card, Card Account number or PIN, you can lose no more than $50.00 50 if someone used the your Card, PIN or Card Account number or PIN 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, PIN or Account number or PIN number, and we can prove that we could have stopped someone from using your Card, PIN, or Account number without your permission if you had promptly notified told us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card500. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Also, if you become aware of and/or your statement online (electronic) or written transaction history shows transactions that you did not make, notify us at once following the procedures stated in the below sub-section captioned paragraph labeled “Information About Your Right to Dispute Errors.” If you do not notify us in writing within sixty (60) days after you: (i) you become aware electronically access your Account information or (ii) we provide you with a written history of the transaction(s) and/or the statement was made available to youyour Account transactions,, you may not get back any of the value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the value if you had notified 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. Mastercard® Limitation of Liability - Guidelines and Limitations: In addition to your limitations of liability under the Your Liability for Unauthorized Transfers section above, your liability for the unauthorized use of your Card Account may also be limited by Mastercard. Subject to the limitations and exclusions stated below, under the Mastercard rules, you will have no liability for a transaction that was not authorized by you if: 1) your Card was registered and your identity verified; and 2) you exercised reasonable care in safeguarding the Card from risk of loss or theft, and, upon becoming aware of such loss or theft, promptly reported such loss or theft to us by calling our Client Support number. The Mastercard Limitation of Liability Policy is subject to change without notice and changes made by Mastercard will automatically apply to your Card Account. If your Card, PIN Card or Account Card number has been lost or stolen, stolen please notify us immediately and we will close inactive your Card and/or Account to keep losses down and send you a replacement Card and/or at no charge. In some cases, we may close your Card Account numberor Card Sub-Account to keep losses down. Upon your request, we may provide you with a replacement Card Account or Card Sub-Account.

Your Liability for Unauthorized Transfers. a. Contact us You agree that losses from the unauthorized use of your Password or Code on your Business Accounts will be your sole responsibility and that we are not liable for any such losses under any circumstances. You agree that we will not be liable for any losses whatsoever that are caused, directly or indirectly, or in any respect related to the use of your Texans PIN to access Texans Online Banking Services. You acknowledge and agree that the procedures and instructions set out above and in other agreements you may receive at once if the time you believe subscribe for a Service or receive a Card regarding the security and safekeeping of your CardPIN, PIN or Account number has been stolenPassword, Code and Cards, and the security of home banking transactions in general, are commercially reasonable and you agree to be bound by and to comply with those procedures and instructions. Telephoning is You shall be liable for the best way acts of your employees and agents related to minimize your possible lossesBusiness Debit Card(s), including business debit card applications and other service requests. If you provide another person with the means to perform transactions related to your Cardaccounts using your Business Debit Card or PIN, any resulting transactions will be treated as if they were performed and authorized by you. Your responsibility for these transactions will continue until you notify the Credit Union that the other person is no longer authorized to use your Business Debit Card and/or PIN or Account number has been lost or stolen, or someone has transferred or (in which case the card and PIN and/or account will have to be deactivated). You may transfer money from your Account without your permission, call (notify us via phone at ▇▇▇) .▇▇▇-.▇▇▇▇, or you may write to us at the address located on our website. Your notice or revocation of authority will not be valid until the Credit Union: 1) receives it; AND 2) has reasonable opportunity to act upon it, and the Credit Union will have no obligation until such time.  If, through no fault of ours, you do not have enough money in your Account to make the transfer.  If the ATM where you are making the transfer does not have enough cash.  If the ATM was not working properly and you knew about the breakdown when you started the transfer.  If you notify do not obtain confirmation at the time you initiate a transfer or payment.  If your equipment, the Texans Online Banking Services, or any communications link is not working properly and you knew about, or had been advised by us within two about the malfunction before you execute the transaction.  If circumstances beyond our control (2such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken.  There may be other exceptions stated in our agreement with you. Please refer to that agreement. MASTERCARD® offers Zero Liability for certain transactions with your Texans Debit Business Card issued by Mastercard, and this policy applies to use of your business days after debit card.. The Mastercard Zero Liability policy is subject to certain conditions. The cardholder has exercised reasonable care in safeguarding such card from risk of loss, theft, or unauthorized use and upon becoming aware of the loss or theft you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used must promptly report the Card, PIN loss or Account number without your permissiontheft to the Credit Union to be eligible for Mastercard Zero Liability. If you do not notify us within two (2) business days after you learn of meet the loss or theft of conditions for zero liability, there is not a limit for your Card, Account number or PIN and we can prove that we could have stopped someone from using your Account without your permission if you had promptly notified us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your maximum liability for unauthorized Visa debit transactions made with use. In any case, you must report an unauthorized transaction to us within a reasonable time, not to exceed 60 days, from the Card day we send or make your account statement available to you on which an unauthorized transaction is $0.00 if you are not negligent or fraudulent in first reported. Failure to report an unauthorized transaction within such 60 days will conclusively mean the handling transaction is authorized. Unauthorized use means the use of a Mastercard card by a person other than the Card. This reduced liability cardholder, who does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside have authority for such use and from which the U.S. You must notify us immediately of any unauthorized use. c. Also, if you become aware of and/or your statement shows transactions that you did not make, notify us at once following the procedures stated in the below sub-section captioned “Information About Your Right to Dispute Errors.” cardholder receives no benefit. If you do not notify us within sixty (60) days after you become aware of the transaction(s) and/or the statement was made available to youbelieve that an erroneous or unauthorized transaction has occurred using your business debit card(s), you may not get back any of the value you lost after the sixty (60) days or if we can prove that we could have stopped someone from taking value if you had notified us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If your Card, PIN or Account number business debit card has been lost or stolen, we will close your Card and/or Account to keep losses down and send you a replacement Card and/or Account numbercontact us at ▇▇▇.▇▇▇.▇▇▇▇.

Your Liability for Unauthorized Transfers. a. Contact us at once if ‌ If you permit other persons to use Payments and Transfers or your Password, you are responsible for any transactions they authorize from your accounts. If you believe that your Card, PIN or Account number has been stolen. Telephoning is the best way to minimize your possible losses. If your Card, PIN or Account number Password has been lost or stolen, stolen or that someone has transferred or may transfer money from your Account account without your permission, call (notify us AT ONCE, by calling ▇-▇▇▇) -▇▇▇-▇▇▇▇ or writing us at Online Customer Service, P. O. ▇▇▇ ▇▇▇▇, ▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇-▇▇▇▇. Tell us AT ONCE if you believe your Password has been lost or stolen or that an unauthorized online transfer has been made from any of your deposit or prepaid accounts. Telephoning us is the best and fastest way of keeping your possible losses to a minimum. If you notify do not do so, you could lose all the money in each of the accounts, as well as all of the available funds in any overdraft protection account or any other credit line included among your accounts. If you tell us within two (2) business days Business Days after you learn of any unauthorized transactionsdiscover the loss or theft, you can lose no more than $50.00 are completely covered if someone used the Card, PIN or Account number makes a transfer without your permissionauthorization. If you do not notify tell us within two (2) business days Business Days after you learn of discover the loss or theft of your CardPassword or that an unauthorized online transfer has been made from any of your deposit or prepaid accounts, Account number or PIN and we can prove that we could have stopped someone from using your Account making a transfer without your permission authorization if you had promptly notified told us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card500. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. AlsoFurthermore, if you become aware of and/or your any account statement shows transactions online transfers that you did not make, notify tell us at once following the procedures stated in the below sub-section captioned “Information About Your Right to Dispute Errors.” AT ONCE. If you do not notify tell us within sixty (60) days after you become aware of the transaction(s) and/or the a statement showing such a transfer was made available transmitted to you, you may not get back any of the value money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking value the money if you had notified told us in time. If a good reason (reason, such as a long trip or a hospital stay) , kept you from telling us, we will extend the time periods. If your Card, PIN or Account number has been lost or stolen, we will close your Card and/or Account to keep losses down and send you a replacement Card and/or Account number.

Your Liability for Unauthorized Transfers. a. Contact You must contact us immediately at once if you believe your Card, PIN or Account number has been stolen. Telephoning is the best way to minimize your possible losses. If your Card, PIN or Account number has been lost or stolen, or someone has transferred or may transfer money from your Account without your permission, call (▇▇▇) -▇▇▇-▇▇▇-▇. If ▇▇▇ 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 believe the Card, PIN or Varo Bank Account number has been stolen, compromised, or your account has been used 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, Account number or PIN and we can prove that we could have stopped someone from using your Account without your permission if you had promptly notified us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating RegulationsCore Rules, your liability for unauthorized Visa debit transactions made with on the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa Visa, or to ATM transactions outside anonymous prepaid cards (until such time as the U.S. identity of the cardholder has been registered with us). You must notify us immediately of any unauthorized use. c. . In the event that the Visa Zero Liability Rules do not apply, if you notify us within two (2) business days after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used the Varo Bank Account without your permission. If you do not notify us within two (2) business days after you learn of the loss or theft of the Card, PIN, or Varo Bank Account number and we can prove that we could have stopped someone from using the Varo Bank Account 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 that you did not makeauthorize, notify us ▇▇▇▇ at once following the procedures stated in the below sub-section paragraph captioned “"Information About Your Right to Dispute Errors.” ". If you do not notify us within sixty (60) days after you become aware of the transaction(s) and/or the statement was made available to you, you may not get back any of the value you lost after the sixty (60) days if we can prove that we someone could have been stopped someone from taking value if you had notified provided us notice 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 your Card, PIN or Varo Bank Account number has been lost lost, stolen or stolencompromised, we will close your de-activate the Card and/or Varo Bank Account to keep losses down prevent further transactions from occurring and send you a replacement Card and/or Varo Bank Account number. If your Varo Bank Account number changes you must immediately notify your employer or any other payors or merchants. You must provide them with the new Varo Bank Account number to ensure your direct deposit and/or ACH Debit activity continues uninterrupted.

Your Liability for Unauthorized Transfers. a. Contact Tell us at once AT ONCE if you believe your Card, PIN or Account number has been stolen. Telephoning is the best way to minimize your possible losses. If your Card, PIN or Account number has been lost or stolen, or someone if you believe that an electronic fund transfer has transferred been or may transfer money from your Account be made without your permission, call . Telephoning us at (415) 878 - 1068 is the best way of keeping your possible losses down. You may also write us at ▇▇▇ ▇▇▇) ▇▇▇-▇ ▇▇▇▇▇▇ Suite 1900, San Francisco, CA 94104. You could lose all the money in your Account, if applicable. 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 the Card, PIN or Account number without your permission. If you do not notify tell us within two (2) business days after you learn of the loss or theft of your Card, PIN or Account number, you can lose no more than $50 if someone used your Card, PIN or Account number 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, PIN or Account number, and we can prove that we could have stopped someone from using your Card, PIN or Account number without your permission if you had promptly notified told us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card500. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Also, if you become aware of and/or your statement shows transactions transfers that you did not make, notify including those made by Card, code or other means, tell us at once following once. For procedures on reporting statement errors, see the procedures stated in the below sub-section captioned labeled “Information About Your Right to Dispute Errors.” ”, below. If you do not notify tell us within sixty (60) days after you become aware of the transaction(s) and/or the statement was made available to you, you may not get back any of the value money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking value the money if you had notified told us in time. If a good reason (such as a long trip or a hospital stay) kept keeps you from telling us, we will extend the time periods. If your Card, PIN Card or Account number has been lost or stolen, we will may close your Card and/or Account to keep losses down and send you a replacement Card and/or Account number. Notwithstanding the above, pursuant to Mastercard Inc.’s Mastercard Rules and Mastercard Zero Liability Protection Policy, your liability for unauthorized Mastercard debit transactions on your Account is $0 if you are not grossly negligent or fraudulent in the handling of your Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Mastercard, or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use.

Your Liability for Unauthorized Transfers. a. Contact It is your obligation to immediately notify us at once if you believe your Card, card or PIN or Account number has been lost or stolen. Telephoning is the best way to minimize of minimizing your possible losses. If In the event that you fail to notify us that your Card&Rewards Debit Card or PIN is lost, PIN stolen or Account number has been lost or stolencompromised, or someone has transferred or may transfer you could lose all the money from in your Account without account (plus your permission, call (▇▇▇) ▇▇▇-▇▇▇▇maximum overdraft line of credit). If you notify us within two (2) 4 business days after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used the Card, PIN or Account number without your permission. If you do not notify us within two (2) business days after you learn of the loss or theft of your Cardcard or PIN, Account number your loss will not exceed $50. If you do NOT notify us within 4 business days of the loss or PIN theft of your card PIN, and we can prove that we could have stopped someone from using your Account card or PIN without your permission if had you had promptly notified usus in a timely manner, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations500. Additionally, if the periodic statement provided by your liability for unauthorized Visa debit transactions financial institution holding your account shows transfers made with your &Rewards Debit Card or through the Card is $0.00 if you are not negligent use of your User ID or fraudulent in the handling of the Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Also, if you become aware of and/or your statement shows transactions PIN that you did not make, notify us at once following the procedures stated in the below sub-section captioned “Information About Your Right to Dispute Errors.” once. If you do not notify us within sixty (60) 90 days after you become aware of the transaction(s) and/or the statement was made available to you, you then may not get back receive any of the value you lost after the sixty (60) days money lost, if we can prove demonstrate that we could have stopped someone from taking value if the money, had you had notified us in timea timely manner. If a good reason (such as a long trip or a hospital stay) kept you from telling usWe may, we will in our sole and absolute discretion, extend the time periods. grace period in the prior sentence, upon good cause shown. (a) Contact in event of unauthorized transfer: If you believe your Card, card or PIN or Account number has been lost or stolen, we will close your call: ▇-▇▇▇-▇▇▇-▇▇▇▇ or write: National Payment Card and/or Association dba ZipLine Attn: Customer Service ▇▇▇ ▇▇▇▇ ▇▇▇▇, ▇▇▇▇▇ ▇▇▇ ▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇, ▇▇ ▇▇▇▇▇ (b) Business days: For purposes of these disclosures, our business days are Monday through Friday, not including Bank Holidays. (c) Transaction and velocity limitation disclosure: 1. Account access. You may use Your card and PIN to keep losses down and send you a replacement Card and/or Account numberpay for purchases at Merchant locations that have agreed to accept the card/mobile payment. 2.

Your Liability for Unauthorized Transfers. a. Contact us at once TELL US AT ONCE if you believe your Card, PIN or Account number has been stolen. Telephoning is the best way to minimize your possible losses. If your Card, PIN or Account number Card has been lost or stolen. Telephoning toll-free at 1-877-766-3551 is the best way of keeping your possible losses down. IF YOU BELIEVE THAT YOUR CARD HAS BEEN STOLEN, or someone has transferred or may transfer money from your Account without your permissionOR THAT SOMEONE HAS TRANSFERRED OR MAY TRANSFER MONEY FROM YOUR CARD WITHOUT YOUR PERMISSION, call (▇▇▇) ▇▇▇CALL US TOLL FREE AT 1-▇▇▇▇877-766-3551. If you notify us within two WE WILL CANCEL THE CARD AND WILL REIMBURSE YOU FOR THE REMAINING VALUE STILL ON THE CARD AS OF THE TIME YOU NOTIFY US. IF YOU NOTIFY US WITHIN TWO (2) business days after you learn of any unauthorized transactionsBUSINESS DAYS OF THE LOSS OR THEFT, you can lose no more than $50.00 if someone used the CardAND SOMEONE HAS USED YOUR CARD WITHOUT YOUR PERMISSION, PIN or Account number without your permissionWE WILL ALSO REIMBURSE YOU FOR ANY FUNDS TAKEN FROM THE CARD WITHOUT PERMISSION. If you do not notify us within two IF YOU DO NOT NOTIFY US WITHIN TWO (2) business days after you learn of the loss or theft of your CardBUSINESS 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, Account number or PIN and we can prove that we could have stopped someone from using your Account without your permission if you had promptly notified us, you could lose as much as YOU COULD LOSE AS MUCH AS $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card50. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Also, if you become aware of and/or your statement shows transactions that you did not make, notify tell us at once following the procedures stated in the below sub-section captioned “Information About Your Right to Dispute Errors.” once. If you do not notify tell us within sixty (60) 60 days after you become aware of the transaction(s) and/or the statement was made available to you, you may not get back any of the value money you lost after the sixty (60) 60 days if we can prove that we could have stopped someone from taking value the money if you had 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. If your Card, PIN or Account number Card has been lost or stolen, we will close your Card and/or Account to keep losses down down. We reserve the right to investigate any claim you may make with respect to a lost or stolen Card, and send you a replacement Card and/or Account numberagree to cooperate with such investigation.

Your Liability for Unauthorized Transfers. a. Contact us at once if you believe your Card, Card or PIN or Account number has been lost or stolen. Telephoning is the best way to minimize your possible losses. If you believe your Card, PIN or Account number Card has been lost or stolen, or that someone has transferred or may transfer money from your Card Account without your permission, call (▇▇▇) ▇▇▇-▇▇▇▇us at Customer Service. If you notify us within two (2) business days after have both a virtual and a physical Card and you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used the Card, PIN or Account number without your permission. If you do not notify us within two (2) business days after you learn of the loss or theft report one of your CardCards lost or stolen, Account number or PIN both Cards will be canceled and we can prove that we could have stopped someone from using your Account without your permission if you had promptly notified us, you could lose as much as $500.00. b. new Cards will be issued. Visa Transactions Routed through the Visa System: Visa Zero Liability Protection. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized transactions using your Card Account that take place on the Visa debit transactions made with the Card system without a PIN is $0.00 if you are not grossly negligent or fraudulent in the handling of the your Card. This reduced liability does not apply to certain commercial card transactions, PIN transactions not processed by Visa or to ATM cash withdrawals (see Transactions Not Routed Through the Visa System below). Transactions Not Routed Through the Visa System: Unauthorized transactions outside that are not routed through Visa are not protected by the U.S. You must notify us immediately Visa Zero Liability Protection policy. These types of any unauthorized use. c. transactions include (i) ATM transactions, and (ii) point of sale, PIN, PINless, automated clearing house, or other debit transactions not processed by Visa. Also, if you become aware of and/or your statement or electronic history shows transactions that you did not make, notify us at once following the procedures stated in the below sub-section captioned paragraph labeled “Information About Your Right to Dispute Errors.” ”. If you do not notify us in writing within sixty (60) days after you become aware of the transaction(s) transaction and/or after the statement was made available to you, you may not get back any of the value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the value if you had notified us in timetime and you are grossly negligent or fraudulent in the handling of your Card. 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 your Card, PIN or Account number Card has been lost or stolen, we will close your Card and/or Account to keep losses down and send down. Upon your request, we will issue you a replacement Card and/or Account numberCard.

Your Liability for Unauthorized Transfers. a. Contact us at once if you believe your CardYou must contact Synapse, PIN or Account number has been stolen. Telephoning is the best way to minimize your possible losses. If your Card, PIN or Account number has been lost or stolen, or someone has transferred or may transfer money from your Account without your permission, call (▇▇▇) ▇▇▇-▇▇▇▇by calling at 6.8.1. If you notify us within two (2) business days after you learn of any unauthorized transactionstransaction, you can lose no more than $50.00 if someone used the Card, PIN or your Account number 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, Account number or PIN and we can prove that we could have stopped someone from using your Account without your permission if you had promptly notified us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card6.8.2. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Also, if If you become aware of and/or your statement shows transactions that you did not make, notify us at once following the procedures stated in the section below sub-section captioned “Information About Your Right to Dispute ErrorsErrors and Disputes.” If you do not notify us within sixty (60) days after (i) you become aware of the transaction(s) and/or (ii) the statement was made available to you, you may not get back any of the value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking value if you had notified us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If your Card, PIN or Account number has been lost or stolenAfter receiving notice from you of such an event, we will close your Card and/or Account to keep losses down and send issue you a replacement Card and/or new Account number. 6.8.3. If your Account number changes, you must immediately notify your employer or any other payors or merchants. You must provide them with your new Account number to ensure that your direct deposit and/or payments activity continues uninterrupted. 6.8.4. If you furnish your access device and grant actual authority to make transfers to someone who then exceeds that authority, you will be liable for the transfers the person makes unless we have been notified that transfers by that person are no longer authorized. If you claim a credit or refund because of a forgery, alteration, or any other unauthorized withdrawal, you agree to cooperate with us in the investigation of the loss, including giving us an affidavit containing whatever reasonable information we require concerning your Account, the transaction, and the circumstances surrounding the loss. You will notify law enforcement authorities of any criminal act related to the claim of lost, missing, or stolen checks or unauthorized withdrawals. We will have a reasonable period of time to investigate the facts and circumstances surrounding any claim of loss. Unless we have acted in bad faith, we will not be liable for any special or consequential damages, including loss of profits or opportunity, or for attorneys’ fees incurred by you. You agree that you will not waive any rights you have to recover your loss against anyone who is obligated to repay, insure, or otherwise reimburse you for your loss. You will pursue your rights or, at our option, assign them to us so that we may pursue them. Our liability will be reduced by the amount you recover or are entitled to recover from these other sources. Concerning each item you deposit with us, or which we cash for you or give other consideration, you make the following warranties to us whether Bank is the payor bank or depository bank: all necessary signatures and endorsements have been placed on the time and are genuine, the item has not been materially altered and you have good title to it, and no defense of any party to the item is good against you. If any such warranty is breached, we may deduct the amount of the item from any of your accounts or otherwise collect from you this amount plus expenses.

Your Liability for Unauthorized Transfers. a. Contact us at once if If you believe your Card, PIN or Account number has been stolen. Telephoning is the best way to minimize your possible losses. If your Card, PIN or Account number Card has been lost or stolenstolen or otherwise compromised, or that someone has transferred or may transfer money from used your Account Card without your permission, immediately disable it through the PayPal app and call (PayPal at ▇▇▇) -▇▇▇-▇▇▇▇. If You may also email PayPal at ▇▇▇▇▇▇▇▇▇▇▇@▇▇▇▇▇▇.▇▇▇. We may suspend or cancel your Debit Card and/or corresponding Card Account in the event of excessive reports of card loss or theft. PayPal may also cancel any Debit Card that has been disabled for sixty (60) days or longer. Under Mastercard Rules, 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 or used without your permission. Zero Liability does not apply to the Mastercard payment cards that are used for commercial purposes, including the following: commercial cards, or unregistered 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 PayPal within two (2) business days after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used the Card, PIN or Account number 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 or compromise of your Card, Account number or PIN Debit Card and we can prove that we could have stopped someone from using your Account Debit Card without your permission if you had promptly notified usPayPal, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Also, if you become aware of and/or your statement shows transactions that you did not make, notify us PayPal at once following the procedures stated in the below sub-section captioned “Section 20 (Information About Your Right to Dispute ErrorsTransactions).” If you do not notify us within sixty (60) days after you become aware of the transaction(s) and/or the statement was made available to you, you may not get back any of the value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking value if you had notified us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If your Card, PIN or Account number has been lost or stolen, we will close your Card and/or Account to keep losses down and send you a replacement Card and/or Account number.

Your Liability for Unauthorized Transfers. a. Contact Tell us at once AT ONCE if you believe that any approved Account Access Information or Security Device including (but not limited to), as applicable, your CardUser ID and/or password, PIN or Account number has been stolen. Telephoning is the best way to minimize your possible losses. If your Cardcomputer, PIN or Account number mobile phone, has been lost or stolen, or someone if you believe that a Zelle transfer has transferred or may transfer money from your Account been made without your permission. You may call or write us using the EFT Contact Information listed in your Deposit Account Agreement, call but telephoning is the best way of keeping your possible losses down. (▇▇▇Please note that email, SMS/text or online notification will not meet the notice requirements of this section.) ▇▇▇-▇▇▇▇If you do not properly inform us of an unauthorized Zelle transfer, you could lose all the money in your account. 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 the Card, PIN or Account number without your permission. If you do not notify us within two (2) business days Business Days after you learn of the loss or theft of your CardAccount Access Information or Security Device, you can lose no more than $50 if someone used your Account number without your permission. If you do NOT tell us within two (2) Business Days after you learn of the loss or PIN theft of your Account Access Information or Security Device, and we can prove that we could have stopped someone from using your Account without your permission if you had promptly notified told us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card500. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Also, if you become aware of and/or your statement shows transactions ▇▇▇▇▇ transfers that you did not make, notify tell us at once following the procedures stated in the below sub-section captioned “Information About Your Right to Dispute Errors.” once. If you do not notify tell us within sixty (60) days after you become aware of the transaction(s) and/or the statement was mailed or otherwise made available to you, you may not get back any of the value money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking value the money if you had 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. If your Cardyou grant authority to make transfers to another person who exceeds the authority granted, PIN or Account number has been lost or stolen, we will close your Card and/or Account to keep losses down and send you a replacement Card and/or Account numberare fully liable for any Zelle transfers until you notify us that transfers by that person are no longer authorized.

Your Liability for Unauthorized Transfers. a. Contact Tell us at once AT ONCE if you believe your Card, PIN or Account number has been stolen. Telephoning is the best way to minimize your possible losses. If your Card, PIN or Account number has been lost or stolen, or someone if you believe that an electronic fund transfer has transferred been or may transfer money from your Account be made without your permission, call . Telephoning us at (▇▇▇) ▇▇▇-▇▇▇▇ is the best way of keeping your possible losses down. You may also write us at ▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇ ▇ ▇▇▇ ▇▇▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇. You could lose all the money in your Account, if applicable. 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 the Card, PIN or Account number 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, PIN or Account number, you can lose no more than $50 if someone used your Card, PIN or Account number without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft of your Card, PIN or Account number, and we can prove that we could have stopped someone from using your Card, PIN or Account number without your permission if you had promptly notified told us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card500. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Also, if you become aware of and/or your statement shows transactions transfers that you did not make, notify including those made by Card, code or other means, tell us at once following once. For procedures on reporting statement errors, see the procedures stated in the below sub-section captioned labeled “Information About Your Right to Dispute Errors.” ”, below. If you do not notify tell us within sixty (60) days after you become aware of the transaction(s) and/or the statement was made available to you, you may not get back any of the value money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking value the money if you had notified told us in time. If a good reason (such as a long trip or a hospital stay) kept keeps you from telling us, we will extend the time periods. If your Card, PIN Card or Account number has been lost or stolen, we will may close your Card and/or Account to keep losses down and send you a replacement Card and/or Account number. Notwithstanding the above, pursuant to Mastercard Inc.’s Mastercard Rules and Mastercard Zero Liability Protection Policy, your liability for unauthorized Mastercard debit transactions on your Account is $0 if you are not grossly negligent or fraudulent in the handling of your Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Mastercard, or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use.

Your Liability for Unauthorized Transfers. a. Contact Tell us at once AT ONCE if you believe your Card, Card or PIN or Account number has been stolen. Telephoning is the best way to minimize your possible losses. If your Card, PIN or Account number has been lost or stolen, . Re- porting your Card lost or someone has transferred stolen online at ▇▇▇.▇▇▇▇▇▇▇▇.▇▇▇ or may transfer money from your Account without your permission, call calling us at (▇▇▇) ▇▇▇-▇▇▇▇▇ is the best way of keeping your possible losses down. You could lose all the money on your Card. 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 the Card, PIN or Account number without your permission. If you do not notify us within two (2) business days after you learn of the loss or theft of your CardCard or PIN, Account number you can lose no more than $50 if someone used your Card or PIN without your per- mission. If you do NOT tell us within two business days after you learn of the loss or theft of your Card or PIN, and we can prove that we could have stopped someone from using your Account Card or PIN without your permission if you had promptly notified told us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, 500. (Note: If your liability for unauthorized Visa debit transactions made with the Card is $0.00 if a MasterCard Card, you are will not be liable for the amounts stated above if: your Card is in good standing; you have not reported more than two incidents of unauthorized use in the preceding 12 months; and you have exercised reasonable care in safeguarding your Card from risk of loss or theft. If your Card is a Visa Card, you will not be liable for the amounts stated above unless we determine that you were grossly negligent or fraudulent in the handling of the your Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. ) Also, if you become aware of and/or your statement on-line or paper transaction history shows transactions transfers that you did not make, notify including those made by your Card, PIN or other means, tell us at once following the procedures stated in the below sub-section captioned “Information About Your Right to Dispute Errors.” once. If you do not notify tell us within sixty 60 days after: (60i) days after you become aware electronically access your Card infor- mation at ▇▇▇.▇▇▇▇▇▇▇▇.▇▇▇; or (ii) we provide you with a written history of the transaction(s) and/or the statement was made available to youyour Card transactions, you may not get back any of the Card value you lost after the sixty (60) 60 days if we can prove that we could have stopped someone from taking the Card value if you had 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. If You agree to cooperate reasonably with us and our agents and service providers in our attempts to recover funds from, and to assist in the prosecution of, any unauthorized users of your Card, . You agree that any unauthorized use does not include use by a person or merchant to whom you have given authority to use the Card or PIN and that you will be liable for all such uses by such person or Account number has been lost or stolen, we will close your Card and/or Account to keep losses down and send you a replacement Card and/or Account numbermerchant.

Your Liability for Unauthorized Transfers. a. Contact us at once if If you permit other persons to use Payments and Transfers or your Password, you are responsible for any transactions they authorize from your accounts. If you believe that your Card, PIN or Account number has been stolen. Telephoning is the best way to minimize your possible losses. If your Card, PIN or Account number Password has been lost or stolen, stolen or that someone has transferred or may transfer money from your Account account without your permission, call (notify us AT ONCE, by calling ▇▇▇) -▇▇▇-▇▇▇-▇▇▇▇ or writing us at Online Customer Service, P. O. Box 2558, Houston, TX 77252-9968. Tell us AT ONCE if you believe your Password has been lost or stolen or that an unauthorized online transfer has been made from any of your deposit or prepaid accounts. Telephoning us is the best and fastest way of keeping your possible losses to a minimum. If you notify do not do so, you could lose all the money in each of the accounts, as well as all of the available funds in any overdraft protection account or any other credit line included among your accounts. If you tell us within two (2) business days Business Days after you learn of any unauthorized transactionsdiscover the loss or theft, you can lose no more than $50.00 are completely covered if someone used the Card, PIN or Account number makes a transfer without your permissionauthorization. If you do not notify tell us within two (2) business days Business Days after you learn of discover the loss or theft of your CardPassword or that an unauthorized online transfer has been made from any of your deposit or prepaid accounts, Account number or PIN and we can prove that we could have stopped someone from using your Account making a transfer without your permission authorization if you had promptly notified told us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Also500.Furthermore, if you become aware of and/or your any account statement shows transactions online transfers that you did not make, notify tell us at once following the procedures stated in the below sub-section captioned “Information About Your Right to Dispute Errors.” AT ONCE. If you do not notify tell us within sixty (60) days after you become aware of the transaction(s) and/or the a statement showing such a transfer was made available transmitted to you, you may not get back any of the value money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking value the money if you had notified told us in time. If a good reason (reason, such as a long trip or a hospital stay) , kept you from telling us, we will extend the time periods. If your Card, PIN or Account number has been lost or stolen, we will close your Card and/or Account .Back to keep losses down and send you a replacement Card and/or Account number.top

Your Liability for Unauthorized Transfers. a. Contact us Customer Service at once if you believe your Card, Card or PIN or Account number has been lost or stolen. Telephoning is the best way to minimize your possible losses. If you believe your Card, PIN or Account number Card has been lost or stolen, or that someone has transferred or may transfer money from your Card Account without your permission, call TruCash at Customer Service. Under Visa USA Inc., operating regulations, your liability for unauthorized transactions on your Card $0.00, if you notify TruCash promptly upon becoming aware of the loss or theft, and you exercise reasonable care in safeguarding your Card from loss, theft, or unauthorized use. These provisions limiting your liability do not apply to debit transactions not processed by (▇▇▇Visa) ▇▇▇-▇▇▇▇or to unregistered cards. If you notify us TruCash within two (260) business days after you learn of any unauthorized transactions, you can lose no more than $50.00 0.00 if someone used the Card, PIN or Account number your Card without your permission. If you do not notify us TruCash within two (260) business days after you learn of the loss or theft of your Card, Account number or PIN Card and we can prove that we could have stopped someone from using your Account Card without your permission if you had promptly notified usTruCash, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling full dollar value of the Cardcard. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Also, if you become aware of and/or your statement or electronic history shows transactions that you did not make, notify us TruCash at once following the procedures stated in the below sub-section captioned paragraph labeled “Information About Your Right to Dispute Errors.” ”. If you do not notify us TruCash in writing within sixty (60) days after you become aware of the transaction(s) transaction and/or after the statement was made available to you, you may not get back any of the value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the value if you had notified us in timetime and you are grossly negligent or fraudulent in the handling of your Card. If a good reason (such as a long trip or a hospital stay) kept you from telling usTruCash, we will may extend the time periods. If your Card, PIN or Account number Card has been lost or stolen, we will close your Card and/or Account to keep losses down and send down. Upon your request, we will issue you a replacement Card and/or Account numberCard.

Your Liability for Unauthorized Transfers. a. Contact Tell us at once AT ONCE if you believe your Card, PIN or Account number has been stolen. Telephoning is the best way to minimize your possible losses. If your Card, PIN or Account number has been lost or stolen, or someone if you believe that an electronic fund transfer has transferred or may transfer money been made without your permission using information from your Account without check. Telephoning is the best way of keeping your permission, possible losses down. You could lose all the money in your account. You may call (▇▇▇) us at ▇▇▇-▇▇▇-▇▇▇▇ or email ▇▇▇▇▇▇▇@▇▇▇▇▇▇.▇▇▇. 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 the Card, PIN or Account number 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, PIN or Account number, you can lose no more than $50 if someone used your Card, PIN or Account number without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft of your Card, PIN or Account number, and we can prove that we could have stopped someone from using your Card, PIN or Account number without your permission if you had promptly notified told us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card500. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Also, if you become aware of and/or your statement shows transactions transfers that you did not make, notify including those made by card, code or other means, tell us at once following the procedures stated in the below sub-section captioned “Information About Your Right to Dispute Errors.” once. If you do not notify tell us within sixty (60) 60 days after you become aware of the transaction(s) and/or the statement was made available mailed to you, you may not get back any of the value money you lost after the sixty (60) 60 days if we can prove that we could have stopped someone from taking value the money if you had 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. Also, if you become aware of and/or your statement shows transactions that you did not make, notify us at once following the procedures stated in the paragraph labeled “Your Right to Dispute Errors.” If you do not notify us in writing 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 and you are grossly negligent or fraudulent in the handling of your Card. 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 use of your Card without your permission may be lower than that described above under special Mastercard® rules. If your Card is used in connection with an unauthorized transaction, your liability for such unauthorized use will not exceed $0 if (i) you reported the loss or theft of your Card to us, and (ii) you did not act grossly negligent or fraudulently in handling your Card. In all other cases, PIN or Account number the rules summarized in the paragraphs above in this section apply. If your Card has been lost or stolen, stolen please notify us immediately and we will close deactivate your Card and/or Account to keep losses down and send you a replacement Card and/or at no charge. In some cases, we may close your Card Account numberto keep losses down. Upon your request, we may provide you with a replacement Card Account. You may also be entitled to additional protections from Mastercard, if eligible.

Your Liability for Unauthorized Transfers. a. Contact Immediately following your discovery of an unauthorized Payment Instruction, you shall communicate with us at once if you believe your Card, PIN or Account number has been stolenin the manner set forth in Section 11 (Notices to Us Regarding the Zelle® and Other Payment Services) above. Telephoning You acknowledge and agree that time is of the essence in such situations. The best way to minimize your possible lossesloss is to call us immediately. If your CardTHE ZELLE® PAYMENT SERVICE IS INTENDED FOR SENDING MONEY TO FAMILY, PIN or Account number has been lost or stolenFRIENDS AND OTHERS WHOM YOU TRUST. YOU SHOULD NOT USE ZELLE® TO SEND MONEY TO PERSONS WITH WHOM YOU ARE NOT FAMILIAR OR YOU DO NOT TRUST. ZELLE® DOES NOT OFFER PURCHASE PROTECTION FOR AUTHORIZED PAYMENTS MADE THROUGH THE ZELLE® PAYMENT SERVICE (FOR EXAMPLE, IF YOU DO NOT RECEIVE THE GOODS OR SERVICES THAT YOU PAID FOR, OR THE GOODS OR SERVICES THAT YOU RECEIVED ARE DAMAGED OR ARE OTHERWISE NOT WHAT YOU EXPECTED). REIMBURSEMENT IS AVAILABLE FOR UNAUTHORIZED TRANSACTIONS OR TRANSACTIONS RESULTING FROM CERTAIN QUALIFYING IMPOSTER SCAMS. CONTACT US TO DISPUTE A TRANSACTION. The following applies only to Consumer Eligible Transaction Accounts that are established primarily for personal, family, or someone has transferred or may transfer money from your Account without your permission, call (▇▇▇) ▇▇▇-▇▇▇▇household purposes. If you notify us within two (2) business days after you learn of any unauthorized transactions, you can lose You will have no more than $50.00 if someone used the Card, PIN or Account number 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, Account number or PIN and we can prove that we could have stopped someone from using your Account without your permission if you had promptly notified us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Also, if you become aware of and/or your statement shows transactions that you did not make, notify us at once following the procedures stated in the below sub-section captioned “Information About Your Right to Dispute Errors.” If you do not notify us within sixty (60) days after your monthly financial institution statement which shows the unauthorized transaction has been sent to you. If you become aware of the transaction(sdo not tell us within sixty (60) and/or days after the statement was made available sent to you, you may not get back lose any of the value you lost amount transferred without your authorization after the sixty (60) days if we can prove establish that we could have stopped someone from taking value if the money had you had notified told us in time. If a good reason (such as a long trip or a hospital stay) kept prevented you from telling us, we will extend the time periodsperiods specified above to a reasonable period. If These liability rules do not apply to business accounts. We may process any Payment Instruction submitted using your Cardpassword or other means to access your account even if not authorized by you. You agree to properly review all paper and electronic statements, PIN or Account number has been lost or stolennotices, and transaction information we will close provide and to report all unauthorized transactions and errors immediately. You may not be liable for unauthorized transactions if you report them within twenty-four (24) hours of the alleged unauthorized transaction posting to your Card and/or Account to keep losses down and send you a replacement Card and/or Account numberaccount.

Your Liability for Unauthorized Transfers. a. Contact Tell us at once AT ONCE by calling ▇-(▇▇▇) ▇▇▇-▇▇▇▇ if you believe your Card, PIN or Card Account number has been stolenlost or stolen or compromised or that your funds have been transferred from your Card Account without your permission. Telephoning is the best way to minimize your possible losses. You could lose all the money in your Card Account. If you notify us within two (2) Business Days after you learn of the loss or theft of your Card, PIN or Account number has been lost Card Account, you can lose no more than $50.00 if someone used your Card or stolen, or someone has transferred or may transfer money from your Card Account without your permission. If you do NOT notify us within two (2) Business Days after you learn of the loss or theft of your Card, call PIN or Card Account, and we can prove that we could have stopped someone from using your Card, PIN or Card Account without your permission if you had told us in that time frame, you could lose as much as $500.00. Also, if your online or written statement or transaction history shows transfers that you did not make, including those made by Card, PIN, code or other means, tell us at once by calling ▇-(▇▇▇) ▇▇▇-▇▇▇▇. 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 the Card, PIN or Account number 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, Account number or PIN and we can prove that we could have stopped someone from using your Account without your permission if you had promptly notified us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Also, if you become aware of and/or your statement shows transactions that you did not make, notify us at once following the procedures stated in the below sub-section captioned “Information About Your Right to Dispute Errors.” If you do not notify tell us within sixty (60) days after the earliest of: (i) when you become aware electronically access your Account, if the transfers could be viewed in your electronic history, or (ii) the date we sent the FIRST written statement or history of your Card Account transactions on which the transaction(s) and/or the statement was made available to youtransfers appeared, you may not get back any of the value in your Card Account that you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the value in your Card Account if you had notified 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 your Card, PIN or Account number Card has been lost or stolen, we will close your Card and/or Account to keep losses down and send down. Upon your request, we will issue you a replacement Card. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions on your Card and/or Account numberis $0.00 if you notify us within two (2) Business Days, and you are not grossly negligent or fraudulent in the handling of your Card. This reduced liability does not apply to PIN transactions not processed by Visa or ATM cash withdrawals.

Your Liability for Unauthorized Transfers. a. Contact During your online KlaDot Account set-up, you will be invited to register your phone number and create Access Credentials to protect your KlaDot Account from unauthorized access. You are responsible for maintaining ownership of the mobile device associated with the phone number and security of your other Access Credentials. Tell us at once AT ONCE if you believe that any Access Credentials or device you use to access your Card, PIN or KlaDot Account number has been stolen. Telephoning is the best way to minimize your possible losses. If your Card, PIN or Account number has been lost or stolen, that an EFT has been made without your permission, or that someone has transferred or may transfer money from your Deposit Account without your permission, call (▇▇▇) ▇▇▇-authorization. You may write to us at ▇▇▇▇▇@▇▇▇▇▇▇.▇▇▇ or such other address as we may provide to you from time to time). Using our mobile chat messenger from the KlaDot application is the best way of keeping your possible losses down. You could lose all the money in your Deposit Account. 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 the Card, PIN or Account number without your permission. If you do not notify us within two (2) business days Business Days after you learn of the loss or theft of your CardAccess Credentials or device, your liability will be limited to $50 if someone accesses your Deposit Account number without your authorization. If you DO NOT tell us within two Business Days after you learn of the lost or PIN theft of your Access Credentials or device, and we can prove that we could have stopped someone from using your Account Access Credentials or device without your permission if you had promptly notified told us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card500. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Also, if you become aware of and/or your statement shows transactions transfers that you did not make, notify tell us at once following the procedures stated in the below sub-section captioned “Information About Your Right to Dispute Errors.” AT ONCE. If you do not notify tell us within sixty (60) 60 days after you become aware of the transaction(s) and/or the statement was made available mailed to you, you may not get back any of the value money you lost after the sixty (60) 60 days if we can prove that we could have stopped someone from taking value if the money had you had 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. If you grant authority to make transfers to another person who exceeds the authority granted, you are fully liable for any transfers until you notify us that transfers by that person are no longer authorized. In Case of Errors or Questions about your CardEFTs Write to us at ▇▇▇▇▇@▇▇▇▇▇▇.▇▇▇ as soon as you can, PIN if you think your statement or Account number has been lost receipt is wrong or stolen, if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we will close your Card and/or Account to keep losses down and send you a replacement Card and/or Account numberthe FIRST statement on which the problem or error appeared.

Your Liability for Unauthorized Transfers. a. Contact us at once if you believe your Card, PIN or Account number the Card has been lost or stolen. Telephoning is the best way to minimize your possible losses. If your Card, PIN or Account number you believe the Card has been lost or stolen, or that someone has transferred money or may transfer money from your Balance Account without your permission, call (▇▇▇) -▇▇▇-▇▇▇▇. If Under 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 the Card, PIN or Account number 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, Account number or PIN Card and we can prove that we could have stopped someone from using your Account Card without your permission if you had promptly notified us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. a. Also, if you become aware of and/or your statement shows transactions that you did not make, notify us at once following the procedures stated in the below sub-section captioned “Section 17 (Information About Your Right to Dispute Errors.” ). If you do not notify us within sixty (60) days after you become aware of the transaction(s) transaction and/or after the statement was made available to you, you may not get back any of the value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the value if you had notified 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 your Card, PIN or Account number the Card has been lost or stolen, we will close your the Card and/or Account to keep losses down and will send you a replacement Card and/or Account numbercard.

Your Liability for Unauthorized Transfers. a. Contact us at once if you believe your Card, PIN or Account number Card has been lost or stolen. Telephoning is the best way to minimize your possible losses. If you believe your Card, PIN or Account number Card has been lost or stolen, or that someone has transferred or may transfer money from your Card Account or Card Sub-Account without your permission, call (▇▇▇) ▇▇▇-▇▇▇▇us at the Customer Service number above. If you notify us within two (2) business days after you learn Mastercard® Limitation of any unauthorized transactions, you can lose no more than $50.00 if someone used Liability - Guidelines and Limitations: In addition to your limitations of liability under the Card, PIN or Account number 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, Account number or PIN and we can prove that we could have stopped someone from using your Account without your permission if you had promptly notified us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating RegulationsYour Liability for Unauthorized Transfers section above, your liability for the unauthorized Visa debit transactions made with use of your Card Account may also be limited by Mastercard. Subject to the limitations and exclusions stated below, under the Mastercard rules, you will have no liability for a transaction that was not authorized by you if: 1) your Card was registered and your identity verified; and 2) you exercised reasonable care in safeguarding the Card from risk of loss or theft, and, upon becoming aware of such loss or theft, promptly reported such loss or theft to us by calling our Client Support number. The Mastercard Limitation of Liability Policy is $0.00 if you are not negligent or fraudulent in the handling of the Card. This reduced liability does not subject to change without notice and changes made by Mastercard will automatically apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. your Card Account. Also, if you become aware of and/or your statement shows transactions that you did not make, notify us at once following the procedures stated in the below sub-section captioned paragraph labeled “Information About Your Right to Dispute Errors.” If you do not notify us in writing within sixty (60) days after you become aware of the transaction(s) transaction and/or after the statement was made available to you, you may not get back any of the value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the value if you had notified us in timetime and you are grossly negligent or fraudulent in the handling of your Card. 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 your Card, PIN Card or Account Card number has been lost or stolen, stolen please notify us immediately and we will close inactive your Card and/or Account to keep losses down and send you a replacement Card and/or at no charge. In some cases, we may close your Card Account numberor Card Sub-Account to keep losses down. Upon your request, we may provide you with a replacement Card Account or Card Sub-Account.

Your Liability for Unauthorized Transfers. a. Contact You must notify us at once immediately if you believe your Card, PIN or Account number has been stolen. Telephoning is the best way to minimize your possible losses. If your Card, PIN or Account number has been lost or stolen, or someone has transferred or may that an unauthorized electronic fund transfer money from your Account has occurred, or if you believe that one may occur because access to your Account through your NinjaCard® or your Portal login information may no longer be secure and may be used without your permission. Notifying us through the Portal or our customer service number, call (▇▇▇) ▇▇▇-▇▇▇-▇▇▇▇ (855-NINJA42), is the best way of reducing your possible losses. If you notify do not tell us about an unauthorized fund transfer or fail to tell us that access to your Account may no longer be secure, you could lose all of the money in your Account. If you provide us with notification, your liability will be limited as follows: ● If you tell us within two (2) business days after you learn of any unauthorized transactionsthat access to your Account may no longer be secure, you can lose are responsible for no more than fifty dollars ($50.00 if someone used the Card, PIN or Account number without 50.00) for unauthorized transfers out of your permissionAccount. If you do not notify NOT tell us within two (2) business days after you learn of the loss or theft of that access to your CardAccount may no longer be secure, Account number or PIN and we can prove that we could have stopped someone from using accessing your Account without your permission if you had promptly notified told us, you could lose as much as are responsible for up to five hundred dollars ($500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card500). This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Also, if you become aware of and/or ● If your statement shows transactions electronic fund transfers that you did not make, notify us at once following the procedures stated in the below sub-section captioned “Information About Your Right to Dispute Errors.” right away. If you do not notify tell us within sixty (60) days after you become aware of the transaction(s) and/or the statement was made available provided to you, you may not get back any of the value money you lost after the sixty (60) days days, if we can prove that we could have stopped someone from taking value the money if you had notified told us in timewithin that time period. If a good reason (such as a long trip or a hospital stay) kept you from telling usAt our discretion, we will may extend the this time periodsperiod. If To contact us with a question about an electronic fund transfer, to report an error with an electronic fund transfer, to tell us about an unauthorized transfer, or to tell us that access to your CardAccount may no longer be secure, PIN visit us at ▇▇▇.▇▇▇▇▇▇▇▇▇.▇▇▇, call us at ▇▇▇-▇▇▇-▇▇▇▇ (855- NINJA42), or Account number has been lost or stolenemail us at ▇▇▇▇▇▇▇@▇▇▇▇▇▇▇▇▇.▇▇▇. Our business days are Monday through Friday, we will close your Card and/or Account to keep losses down and send you a replacement Card and/or Account numberexcluding Utah banking holidays.

Your Liability for Unauthorized Transfers. a. Contact us at once if you believe your Card, PIN or Account number Card has been lost or stolen. Telephoning is the best way to minimize your possible losses. If you believe your Card, PIN or Account number Card has been lost or stolen, or that someone has transferred or may transfer money from your Card Account without your permission, call (Cardholder Services at the telephone number located on the “List of All Fees” or visit ▇▇▇) ▇▇▇-.▇▇▇▇▇▇▇▇▇▇▇.▇▇▇. If Under Visa Core Rules, your liability for unauthorized Visa debit transactions on your Card Account is $0.00 if you are not negligent or fraudulent in the handling of your Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa, or to anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us). You must notify us immediately of any unauthorized use. In the event the Visa Zero Liability Rules do not apply, if you notify us within two (2) business days after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used the Card, PIN or Account number 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, Account number or PIN Card and we can prove that we could have stopped someone from using your Account Card without your permission if you had promptly notified us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Also, if you become aware of and/or your statement history shows transactions that you did not make, notify us at once following the procedures stated in the below sub-section captioned paragraph labeled “Information About Your Right to Dispute Errors.” If you do not notify us within sixty (60) days after you become aware of the transaction(s) transaction and/or after the statement history was made available to you, you may not get back any of the value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the value if you had notified 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 your Card, PIN or Account number Card has been lost or stolen, we will close your Card and/or Account to keep losses down and will send you a replacement Card and/or Account numbercard. There is no fee for replacing your Card. Expedited delivery is available, however there is a fee for this service. For information about applicable fees, please see the “List of All Fees.”

Your Liability for Unauthorized Transfers. a. Contact us at once if you believe your Card, Card or PIN or Account number has been lost or stolen. Telephoning is the best way to minimize your possible losses. If you believe your Card, PIN or Account number Card has been lost or stolen, or that someone has transferred or may transfer money from your Card Account without your permission, call (▇▇▇) ▇▇▇-▇▇▇▇us at Customer Service. If you notify us within two (2) business days after have both a virtual and a physical Card and you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used the Card, PIN or Account number without your permission. If you do not notify us within two (2) business days after you learn of the loss or theft report one of your CardCards lost or stolen, Account number or PIN both Cards will be canceled and we can prove that we could have stopped someone from using your Account without your permission if you had promptly notified us, you could lose as much as $500.00. b. new Cards will be issued. VISA Transactions Routed through the Visa System: Visa Zero Liability Protection. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized transactions using your Card Account that take place on the Visa debit transactions made with the Card system without a PIN is $0.00 if you are not grossly negligent or fraudulent in the handling of the your Card. This reduced liability does not apply to certain commercial card transactions, PIN transactions not processed by Visa or to ATM cash withdrawals (see Transactions Not Routed Through the Visa System below). Transactions Not Routed Through the Visa System: Unauthorized transactions outside that are not routed through Visa are not protected by the U.S. You must notify us immediately Visa Zero Liability Protection policy. These types of any unauthorized use. c. transactions include (i) ATM transactions, and (ii) point of sale, PIN, PINless, automated clearing house, or other debit transactions not processed by Visa. Also, if you become aware of and/or your statement or electronic history shows transactions that you did not make, notify us at once following the procedures stated in the below sub-section captioned paragraph labeled “Information About Your Right to Dispute Errors.” ”. If you do not notify us in writing within sixty (60) days after you become aware of the transaction(s) transaction and/or after the statement was made available to you, you may not get back any of the value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the value if you had notified us in timetime and you are grossly negligent or fraudulent in the handling of your Card. 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 your Card, PIN or Account number Card has been lost or stolen, we will close your Card and/or Account to keep losses down and send down. Upon your request, we will issue you a replacement Card and/or Account numberCard.

Your Liability for Unauthorized Transfers. a. Contact us at once if you believe your Card, PIN or Account number Card has been lost or stolen. Telephoning is the best way to minimize your possible losses. If you believe your Card, PIN or Account number Card has been lost or stolen, or that someone has transferred or may transfer money from your Card Account without your permission, call (▇-▇▇▇) -▇▇▇-▇▇▇▇. If Under Visa Core Rules, your liability for unauthorized Visa debit transactions on your Card Account is $0.00 if you are not negligent or fraudulent in the handling of your Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa, or to anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us). You must notify us immediately of any unauthorized use. In the event the Visa Zero Liability Rules do not apply, if you notify us within two (2) business days after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used the Card, PIN or Account number 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, Account number or PIN Card and we can prove that we could have stopped someone from using your Account Card without your permission if you had promptly notified us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Also, if you become aware of and/or your statement shows transactions that you did not make, notify us at once following the procedures stated in the below sub-section captioned paragraph labeled “Information About Your Right to Dispute Errors.” If you do not notify us within sixty (60) days after you become aware of the transaction(s) transaction and/or after the statement was made available to you, you may not get back any of the value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the value if you had notified 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 your Card, PIN or Account number Card has been lost or stolen, we will close your Card and/or Account to keep losses down and will send you a replacement Card and/or Account numbercard. There is a fee for replacing your Card. For information about the fee, see the section labeled “Fee Schedule.”

Your Liability for Unauthorized Transfers. a. Contact us at once if Immediately following your discovery of an unauthorized Payment Instruction, you believe your Card, PIN or Account number has been stolenshall communicate with Member Service in the manner set forth in Section 11 (Notices to Us Regarding the Zelle® and Other Payment Services) above. Telephoning You acknowledge and agree that time is of the essence in such situations. The best way to minimize your possible lossesloss is to call us immediately. If your Card, PIN or Account number has been lost or stolen, or someone has transferred or may transfer money from your Account without your permission, call (▇▇▇) ▇▇▇-▇▇▇▇. If you notify us within two (2) business days after you learn of any unauthorized transactions, you can lose You will have no more than $50.00 if someone used the Card, PIN or Account number 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, Account number or PIN and we can prove that we could have stopped someone from using your Account without your permission if you had promptly notified us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Also, if you become aware of and/or your statement shows transactions that you did not make, notify us at once following the procedures stated in the below sub-section captioned “Information About Your Right to Dispute Errors.” If you do not notify us within sixty (60) days after your monthly financial institution statement which shows the unauthorized transaction has been sent to you. If you become aware of the transaction(sdo not tell us within sixty (60) and/or days after the statement was made available sent to you, you may not get back lose any of the value you lost amount transferred without your authorization after the sixty (60) days if we can prove establish that we could have stopped someone from taking value if the money had you had notified told us in time. If a good reason (such as a long trip or a hospital stay) kept prevented you from telling us, we will extend the time periodsperiods specified above to a reasonable period. If When you give someone your Cardpassword or other means to access your account through which you access the Zelle® and Other Payment Services, PIN you are authorizing that person to use your service, and you are responsible for all transactions that person performs while using your service. All transactions that person performs, even those transactions you did not intend or Account number has been lost want performed, are authorized transactions. Additionally, transactions that you or stolensomeone acting with you initiates with fraudulent intent are also authorized transactions. These liability rules are established by Regulation E, we will close your Card and/or Account which implements the federal Electronic Fund Transfer Act and does not apply to keep losses down and send you a replacement Card and/or Account numberbusiness accounts. AND OTHERS WHOM YOU TRUST. YOU SHOULD NOT USE ZELLE® TO SEND MONEY TO PERSONS WITH WHOM YOU ARE NOT FAMILIAR OR YOU DO NOT TRUST. ZELLE® DOES NOT OFFER PURCHASE PROTECTION FOR AUTHORIZED PAYMENTS MADE THROUGH THE ZELLE® PAYMENT SERVICE (FOR EXAMPLE, IF YOU DO NOT RECEIVE THE GOODS OR SERVICES THAT YOU PAID FOR, OR THE GOODS OR SERVICES THAT YOU RECEIVED ARE DAMAGED OR ARE OTHERWISE NOT WHAT YOU EXPECTED). REIMBURSEMENT IS AVAILABLE FOR UNAUTHORIZED TRANSACTIONS OR TRANSACTIONS RESULTING FROM CERTAIN QUALIFYING IMPOSTER SCAMS. CONTACT US TO DISPUTE A TRANSACTION.

Your Liability for Unauthorized Transfers. a. Contact us at once if you believe If your Card, PIN or Account number user ID and/or password has been stolen. Telephoning is the best way to minimize your possible losses. If your Card, PIN or Account number has been lost or stolen, or someone has transferred or may transfer money from your Account without your permission, call (▇▇▇) ▇▇▇-▇▇▇▇. If compromised and you notify tell us within two (2) business days after you learn 2 Business Days of any unauthorized transactionsdiscovering the loss or misappropriation, you can lose no more than $50.00 50 if someone used the Card, PIN or Account number your user ID and/or password without your permission. If you do not notify tell us within two (the 2) business days after you learn of the loss or theft of your Card, Account number or PIN and we can prove that we could have stopped someone from using your Account without your permission if you had promptly notified us-Business Day period, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations500 if we could have stopped the use of your accounts had we received notice in a timely manner. You must contact the Bank as soon as you identify any errors or discrepancies in your periodic statement or transaction record, your liability for unauthorized Visa debit transactions made with the Card is $0.00 or if you are not negligent need any information about a transaction listed on the periodic statement or fraudulent in transaction record. We must hear from you no later than 60 days after we have sent the handling of f irst statement on which the Cardunauthorized transaction, problem or error appeared. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must (If you notify us immediately of any unauthorized use. c. Alsoverbally, if you become aware of and/or your statement shows transactions we may require that you did not make, notify send us at once following the procedures stated your complaint or question in the below sub-section captioned “Information About Your Right to Dispute Errors.” writing or electronically within 10 Business Days). If you do not fail to notify us within sixty (the 60) days after you become aware of the transaction(s) and/or the statement was made available to you-day period, you may not get back recover any of the value money you lost after the sixty (60) days if we can prove establish that we the loss could have stopped someone from taking value if been avoided had you had notified us in on time. If a We may extend these time periods for good reason (such as a long trip out-of-town travel or a extended hospital staystays. MONEY MANAGEMENT & CASH BACK REWARDS OFFERS – END USER LICENSE AGREEMENT In addition to the Money Management Service and the Cash Back Rewards Offers, the terms " Money Management " and "Cash Back Rewards Offers" also include any other programs, tools, internet-based services, components and any "updates" (for example, Service maintenance, Cash Back Rewards inf ormation, help content, bug fixes, or maintenance releases, etc.) kept of Money Management or Cash Back Rewards Offers if and when they are made available to you by us or by our third party vendors. Certain Money Management and Cash Back Rewards Offers may be accompanied by, and will be subject to, additional terms and conditions. You are not licensed or permitted to do any of the following and you may not allow any third party to do any of the following: (i) access or attempt to access any other systems, programs or data that are not made available for public use; (ii) copy, reproduce, republish, upload, post, transmit, resell or distribute in any way the material f rom the Money Management site or from telling us, we will extend the time periods. If your Card, PIN or Account number has been lost or stolen, we will close your Card and/or Account to keep losses down and send you a replacement Card and/or Account number.Cash Back Rewards Offers program;

Your Liability for Unauthorized Transfers. a. Contact us You agree that losses from the unauthorized use of your Password or Code on your Business Accounts will be your sole responsibility and that we are not liable for any such losses under any circumstances. You agree that we will not be liable for any losses whatsoever that are caused, directly or indirectly, or in any respect related to the use of your Texans PIN to access Texans Online Banking Services. You acknowledge and agree that the procedures and instructions set out above and in other agreements you may receive at once if the time you believe subscribe for a Service or receive a Card regarding the security and safekeeping of your CardPIN, PIN or Account number has been stolenPassword, Code and Cards, and the security of home banking transactions in general, are commercially reasonable and you agree to be bound by and to comply with those procedures and instructions. Telephoning is You shall be liable for the best way acts of your employees and agents related to minimize your possible lossesBusiness Debit Card(s), including business debit card applications and other service requests. If you provide another person with the means to perform transactions related to your Cardaccounts using your Business Debit Card or PIN, any resulting transactions will be treated as if they were performed and authorized by you. Your responsibility for these transactions will continue until you notify the Credit Union that the other person is no longer authorized to use your Business Debit Card and/or PIN or Account number has been lost or stolen, or someone has transferred or (in which case the card and PIN and/or account will have to be deactivated). You may transfer money from your Account without your permission, call (notify us via phone at ▇▇▇) .▇▇▇-.▇▇▇▇, or you may write to us at the address located on our website. Your notice or revocation of authority will not be valid until the Credit Union: 1) receives it; AND 2) has reasonable opportunity to act upon it, and the Credit Union will have no obligation until such time.  If, through no fault of ours, you do not have enough money in your Account to make the transfer.  If the ATM where you are making the transfer does not have enough cash.  If the ATM was not working properly and you knew about the breakdown when you started the transfer.  If you notify do not obtain confirmation at the time you initiate a transfer or payment.  If your equipment, the Texans Online Banking Services, or any communications link is not working properly and you knew about, or had been advised by us within two about the malfunction before you execute the transaction.  If circumstances beyond our control (2such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken.  There may be other exceptions stated in our agreement with you. Please refer to that agreement. MASTERCARD® offers Zero Liability for certain transactions with your Texans Debit Business Card issued by Mastercard, and this policy applies to use of your business days after debit card. The Mastercard Zero Liability policy is subject to certain conditions. The cardholder has exercised reasonable care in safeguarding such card from risk of loss, theft, or unauthorized use and upon becoming aware of the loss or theft you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used must promptly report the Card, PIN loss or Account number without your permissiontheft to the Credit Union to be eligible for Mastercard Zero Liability. If you do not notify us within two (2) business days after you learn of meet the loss or theft of conditions for zero liability, there is not a limit for your Card, Account number or PIN and we can prove that we could have stopped someone from using your Account without your permission if you had promptly notified us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your maximum liability for unauthorized Visa debit transactions made with use. In any case, you must report an unauthorized transaction to us within a reasonable time, not to exceed 60 days, from the Card day we send or make your account statement available to you on which an unauthorized transaction is $0.00 if you are not negligent or fraudulent in first reported. Failure to report an unauthorized transaction within such 60 days will conclusively mean the handling transaction is authorized. Unauthorized use means the use of a Mastercard card by a person other than the Card. This reduced liability cardholder, who does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside have authority for such use and from which the U.S. You must notify us immediately of any unauthorized use. c. Also, if you become aware of and/or your statement shows transactions that you did not make, notify us at once following the procedures stated in the below sub-section captioned “Information About Your Right to Dispute Errors.” cardholder receives no benefit. If you do not notify us within sixty (60) days after you become aware of the transaction(s) and/or the statement was made available to youbelieve that an erroneous or unauthorized transaction has occurred using your business debit card(s), you may not get back any of the value you lost after the sixty (60) days or if we can prove that we could have stopped someone from taking value if you had notified us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If your Card, PIN or Account number business debit card has been lost or stolen, we will close your Card and/or Account to keep losses down and send you a replacement Card and/or Account numbercontact us at ▇▇▇.▇▇▇.▇▇▇▇.

Your Liability for Unauthorized Transfers. a. Contact us at once You must report to the credit union AT ONCE if you believe your Cardaccount number, PIN PIN, or Account number any other code, password, or other means of identification we have provided to you has been stolen, disclosed to or used by an unauthorized person. Enabling your computer to memorize or save your password or other security codes shall be considered authorization for any subsequent use of your computer and access to eBanking or Extra Credit Union eBill Pay by any other person. Telephoning the credit union is the best way to minimize your possible losseskeep losses at a minimum. If you do not phone us immediately, you could lose all the money in your Cardaccount, PIN or Account number has been lost or stolen, or someone has transferred or may transfer money from plus your Account without your permission, call (▇▇▇) ▇▇▇-▇▇▇▇maximum overdraft line of credit. If you notify 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 the Card, PIN or Account number accessed your account without your permission. If you do not NOT notify us within two (2) business days after you learn of the loss theft or theft unauthorized use of your Cardaccount number, Account number PIN or PIN any other code, password, or other means of identification we have provided to you and we the credit union can prove that we it could have stopped someone from using your Account identification or password without your permission if you had promptly notified ustold the credit union, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card500. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Also, if you become aware of and/or your statement shows transactions transfers that you did not makeauthorize, notify tell us at once following the procedures stated in the below sub-section captioned “Information About Your Right to Dispute Errors.” once. If you do not notify tell us within sixty (60) days after you become aware of the transaction(s) and/or the statement was made available mailed to you, you may not get back any of the value money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking value the money if you had notified told us in time. If a good reason (such as a hospital stay or long trip or a hospital staytrip) kept you from telling usus of the unauthorized transfer, we will may extend the time periodsnotice period, as it deems reasonable. If your Cardyou believe the account number, PIN PIN, or Account number any other code, password, or other means of identification we have provided to you has been lost or stolen, we will close disclosed to or used by an unauthorized person or that someone has transferred or may transfer money from you account without your Card and/or Account to keep losses down and send you a replacement Card and/or Account numberpermission, call or write us at the telephone number or address indicated in this agreement.

Your Liability for Unauthorized Transfers. a. Contact You can temporarily block and un-block your card via the Glint app if you think your card has been lost stolen or You do not recognize a transaction. If you block your card for any reason you can unblock it later if you find it or recognize the transaction. While the card is blocked you will not be able to use the card, once unblocked it will work as normal. If you definitely do not recognize a transaction, please block or leave your card blocked and contact Glint Client Support and we will investigate. Block Your Card and contact us at once if you believe your Card, Card or PIN is definitely lost or Account number has been stolen. We will not fully cancel and order a new card until you contact us. Telephoning is the best way to minimize your possible losses. If you believe your Card, PIN or Account number Card has been lost or stolen, or that someone has transferred or may transfer money from your Card Account without your permission, call (▇▇▇) ▇▇▇-▇▇▇▇us at Glint Client Support. If you notify us within two (2) business days after you learn Mastercard Zero Liability Policy - Guidelines and Limitations: In addition to your limitations of any unauthorized transactions, you can lose no more than $50.00 if someone used liability under the Card, PIN or Account number 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, Account number or PIN and we can prove that we could have stopped someone from using your Account without your permission if you had promptly notified us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating RegulationsYour Liability for Unauthorized Transfers section above, your liability for the unauthorized Visa debit transactions made with use of your Card Account may also be limited by Mastercard. Subject to the limitations and exclusions stated below, under the Mastercard rules, you will have no liability for a transaction that was not authorized by you if you exercised reasonable care in safeguarding the Card from risk of loss or theft, and, upon becoming aware of such loss or theft, promptly reported such loss or theft to us by calling our Glint Client Support number. The Mastercard Zero Liability Policy is $0.00 if you are not negligent or fraudulent in the handling of the Card. This reduced liability does not subject to change without notice and changes made by Mastercard will automatically apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. your Card Account. Also, if you become aware of and/or your statement or electronic history shows transactions that you did not make, notify us at once following the procedures stated in the below sub-section captioned paragraph labeled “Information About Your Right to Dispute Errors.” ”. If you do not notify us in writing within sixty (60) days after you become aware of the transaction(s) transaction and/or after the statement was made available to you, you may not get back any of the value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the value if you had notified us in timetime and you are grossly negligent or fraudulent in the handling of your Card. 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 your Card, PIN or Account number Card has been lost or stolen, we will close your Card and/or Account to keep losses down and send down. Upon your request, we will issue you a replacement Card and/or Account numberCard.

Your Liability for Unauthorized Transfers. a. Contact Tell us at once AT ONCE if you believe your Cardaccount number, PIN or Account number user name and/or password has been stolen. Telephoning is the best way to minimize your possible losses. If your Cardlost, PIN stolen or Account number has been lost or stolencompromised, or that someone to whom you have granted authority to use your account number, user name and/or password has exceeded such authority or if someone has transferred or may transfer money from your Account without your permission, call (▇▇▇) ▇▇▇-▇▇▇▇. 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 the Card, PIN or Account number accounts without your permission. If you think your statement is wrong or if you need more information about a transfer listed on the statement, please contact Community Bank as soon as possible as described under Problems, Inquiries above. 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. • Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an 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. investigation. We are responsible only for exercising ordinary care in making payments upon your authorization and for mailing or sending a payment to the designated payee based on the circumstances outlined above. Without liability, we may not effect a transaction if we are unable to obtain authentication of such transaction satisfactory to us, if there is any inconsistency between a transaction and information previously supplied to us, if such transaction is not initiated in conformity with the terms of this addendum, if we reasonably believe that execution of the transaction might result in an unauthorized or erroneous transfer of funds or might otherwise cause us to suffer a loss. We are not responsible for payments that cannot be made due to incomplete, incorrect, or outdated information. We make no warranty of any kind, express or implied, including any implied warranty of merchantability or fitness for a particular purpose, in connection with Bill Pay. We do not notify us within two (2) business days after and cannot warrant that the Bill Pay Service will operate without error, or that the Bill Pay Service will be available at all times. Except as specifically provided in this addendum, or otherwise required by law, you learn of the loss agree that we and our officers, directors, employees, agents or theft contractors are not liable for any indirect, incidental, special or consequential damages under or by reason of your Carduse of Bill Pay Service, Account number including loss of profits, revenue, data or PIN and use by you or any third party, whether in an action in contract or tort or based on a warranty or any other legal theory. We will not be liable if we can prove that we could have stopped someone from using your Account without your permission if you had promptly notified us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are do not negligent make a transfer on time or fraudulent in the handling of the Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Also, if you become aware of and/or your statement shows transactions that you did not make, notify us at once following the procedures stated in the below sub-section captioned “Information About Your Right to Dispute Errors.” If you do not notify us within sixty (60) days after you become aware of the transaction(s) and/or the statement was made available to you, you may not get back any of the value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking value if you had notified us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If your Card, PIN or Account number has been lost or stolen, we will close your Card and/or Account to keep losses down and send you a replacement Card and/or Account number.correct amount if:

Your Liability for Unauthorized Transfers. a. Contact us at once AT ONCE if you believe your Card, PIN or Account number Card has been lost or stolen. Telephoning is the best way to minimize your possible losses. If you believe your Card, PIN or Account number Card has been lost or stolen, or that someone has transferred or may transfer money from your Account Card without your permission, call (us toll-free at ▇-▇▇▇) -▇▇▇-▇▇▇▇. We will require you to give written confirmation of the error within 10 business days of the oral notification. If you notify us within two (2) business days after you learn of any unauthorized transactionsdays, you can lose no more than $50.00 if someone used the Card, PIN or Account number 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, Account number or PIN Card and we can prove that we could have stopped someone from using your Account Card without your permission if you had promptly notified us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Also, if you become aware of and/or your statement shows transactions that you did not make, notify us at once following the procedures stated in the below sub-section captioned “Information About Your Right to Dispute Errors.” once. If you do not notify us within sixty (60) days after you become aware of the transaction(s) transaction and/or after the statement was made available to you, you may not get back any of the value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the value if you had notified us in timetime and you are not grossly negligent or fraudulent in the handling of your Card. 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 your Card, PIN or Account number Card has been lost or stolen, we will close your Card and/or Account to keep losses down minimize losses. In addition, your Card is covered by MasterCard Zero Liability Protection. Under MasterCard Zero Liability, your liability for unauthorized MasterCard transactions on your Card is $0 if you notify us promptly and send you are not grossly negligent or fraudulent in the handling of your Card. 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 H&R Block Bank in attempts to recover funds from unauthorized users and to assist in their prosecution. If your Card is lost or stolen, the Bank will not hold you responsible for “unauthorized purchases” if certain conditions are met. Zero liability applies to purchases made in the store, over the telephone or made online. As a replacement MasterCard cardholder you will not be responsible in the event of unauthorized purchases provided that the following preconditions are met:  Your Card and/or Account numberis in good standing;  You have exercised reasonable care in safeguarding your Card from any unauthorized use. Unauthorized use means that you did not provide, directly, by implication or otherwise, the right to use your Card and you received no benefit from the "unauthorized" purchase (failure to register certain Cards will be considered as not safeguarding your Card);  You have not reported two or more unauthorized events in the past 12 months. Zero Liability does not apply to MasterCard cards (i) issued for commercial, business or agricultural purposes, except for MasterCard commercial cards used for small businesses as listed on ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇; or (ii) if a PIN for a debit transaction is used for the unauthorized purchase. If the MasterCard Rules are changed as they 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 Transfers. a. Contact us at as once if you believe your Card, PIN or Account number has been stolen. Telephoning is the best way to minimize your possible losses. If your Card, PIN or Account number has been lost or stolen, or that someone has transferred or may transfer money from your Account without your permission, call (833) 544-1856or email ▇▇▇) ▇▇▇-▇▇▇@▇▇▇▇▇▇▇▇▇.▇▇▇. 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 the Card, PIN or your Account number 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, Account number or PIN and we can prove that we could have stopped someone from using your Account without your permission if you had promptly notified us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Also, if you become aware of and/or your statement shows transactions that you did not make, notify us at once following the procedures stated in the below sub-section captioned “labeled "Information About Your Right to Dispute Errors.” ". If you do not notify us within sixty (60) days after you become aware of the transaction(s) and/or the statement was made available to you, you may not get back any of the value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking value if you had notified us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If your Card, PIN or Account number has been lost or stolen, we will close your Card and/or Account to keep losses down and send issue you a replacement Card and/or new Account number. c. If your Account changes you must immediately notify your employer or any other payors or merchants. You must provide them with your new Account number to ensure that your direct deposit and/or ACH Debit activity continues uninterrupted.

Your Liability for Unauthorized Transfers. a. Contact us Trureal at once if you believe your Card, PIN or Account number Card has been lost or stolen. Telephoning is the best way to minimize your possible losses. If you believe your Card, PIN or Account number Card has been lost or stolen, or that someone has transferred or may transfer money from your Card Account without your permission, call (▇▇▇) ▇▇▇-▇▇▇▇Card Service immediately. If you notify 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 the Card, PIN or Account number 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, Account number or PIN Card and we can prove that we could have stopped someone from using your Account Card without your permission if you had promptly notified us, you could lose as much as $500.00. b. 500. Under Visa U.S.A. Inc. Operating RegulationsInc Bylaws and Rules, your liability for unauthorized Visa debit transactions made with the on your Card Account is $0.00 0 if you are not negligent notify us promptly and you exercise reasonable care in safeguarding your Card from loss, theft, or fraudulent in the handling of the Cardunauthorized use. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa if a PIN is used as the method of verification for a disputed transaction or to ATM transactions outside you have reported two (2) or more incidents of unauthorized use in the U.S. You must notify us immediately of any unauthorized use. c. preceding twelve (12) month period. Also, if you become aware of and/or your statement shows transactions that you did not make, notify us at once following the procedures stated in the below sub-section captioned “Information About Your Right to Dispute Errors.” once. If you do not notify us within sixty (60) days after you become aware of the transaction(s) transaction and/or after the statement was made available to you, you may not get back any of the value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the value if you had notified us in time. If a good reason (such as a long trip time and you are grossly negligent or a hospital stay) kept you from telling us, we will extend fraudulent in the time periodshandling of your Card. If your Card, PIN or Account number Card has been lost or stolen, we will close your Card and/or Account to keep losses down and send you a replacement Card and/or Account number.down

Your Liability for Unauthorized Transfers. a. Contact You agree to exercise reasonable control over the information related to your Uphold USD Account, including your Card, Access Code(s) and PIN. Tell us at once AT ONCE if you believe your Card, Access Code(s), or PIN or Account number has been stolen. Telephoning is the best way to minimize your possible losses. If your Card, PIN or Account number has been lost or stolen. Also, if your transaction history shows transfers that you did not make, including those made with your Card, or someone if you believe an electronic transfer has transferred or may transfer money from your Account been made without your permission, call tell us at once. The best way to keep your losses down is by calling the toll-free number on the back of your Card or +▇ (▇▇▇) ▇▇▇-▇▇▇▇. You could lose all of the money in your Uphold USD Account. 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 the Card, PIN or Account number 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, Account number Access Code(s) or PIN PIN, you can lose no more than $50.00 if someone used your Card without your permission. If you do NOT tell us within two business days after you learn of the loss or theft of your Card, Access Code or PIN, and we can prove that we could have stopped someone from using your Account Card without your permission if you had promptly notified told us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Also, if you become aware of and/or your statement shows transactions that you did not make, notify us at once following the procedures stated in the below sub-section captioned “Information About Your Right to Dispute Errors.” If you do not notify tell us within sixty (60) 60 days after you become aware the earlier of the transaction(s) and/or date you electronically access your Uphold USD Account or the statement was made available to youdate we sent the FIRST written history on which the error appeared, you may not get back any of the value money you lost after the sixty (60) 60 days if we can prove that we could have stopped someone from taking value the money if you had 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. If Mastercard Zero Liability Policy. Under Mastercard rules, you will not be held responsible for unauthorized Card transactions if you have used reasonable care in protecting your Card, PIN Card from loss or Account number has been theft and you have promptly reported to us when you knew that your Card was lost or stolen, we will close your Card and/or Account . Zero Liability does not apply to keep losses down and send you a replacement Card and/or Account numberMastercard 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).

Your Liability for Unauthorized Transfers. a. Contact us at once if you believe your Card, PIN or Account number Card has been lost or stolen. Telephoning is the best way to minimize your possible losses. If you believe your Card, PIN or Account number Card has been lost or stolen, or that someone has transferred or may transfer money from your Card Account without your permission, call (▇▇▇) -▇▇▇-▇▇▇-▇▇▇▇ or visit ▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇. If Under 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 the Card, PIN or Account number without your Card with- out your permission. If you do not notify us within two (2) business days after you learn of the loss or theft of your Card, Account number or PIN Card and we can prove that we could have stopped someone from using your Account Card without your permission if you had promptly notified us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Also, if you become aware of and/or your statement statement/transaction history shows transactions that you did not make, notify us at once following the procedures stated in the below sub-section captioned paragraph labeled “Information About Your Right to Dispute Errors.” If you do not notify us within sixty (60) days after you become aware of the transaction(s) transaction and/or after the statement history was made available to you, you may not get back any of the value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the value if you had notified us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will may extend the time periods. If your Card, PIN or Account number Card has been lost or stolen, we will close your Card and/or Account to keep losses down and will send you a replacement Card and/or Account numberCard. There is a fee for replacing your Card. For information about the fee, see the section labeled “Fee Schedule.”

Your Liability for Unauthorized Transfers. a. Contact us You must contact ▇▇▇▇▇▇▇▇, by calling at once if you believe your Card, PIN or Account number has been stolen. Telephoning is the best way to minimize your possible losses. If your Card, PIN or Account number has been lost or stolen, or someone has transferred or may transfer money from your Account without your permission, call +(▇▇▇) ▇▇▇-▇▇▇▇ or emailing ▇▇▇▇@▇▇▇▇▇▇▇▇.▇▇▇ if you believe your Account number was stolen or if you believe someone has transferred or may transfer money from your Account without permission. If your account number was stolen or if you believe someone has transferred or may transfer money from your Account without permission contact us immediately through Moniflow, at the number specified above. d.1 If you notify us within two (2) business days after you learn of any unauthorized transactionstransaction, you can lose your liability would be established in no more than $50.00 if someone used the Card, PIN or your Account number 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, Account number or PIN and we can prove that we could have stopped someone from using your Account without your permission if you had promptly notified us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Also, if d.2 If you become aware of and/or your statement shows transactions that you did not make, notify us at once following the procedures stated in the section below sub-section captioned “Information About Your Right to Dispute ErrorsErrors and Disputes.” If you do not notify us within sixty (60) days after after d.3 If your Account number changes, you become aware must immediately notify your employer or any other payors or merchants. You must provide them with your new Account number to ensure that your direct deposit and/or payments activity continues uninterrupted. d.4 If you furnish your access device and grant actual authority to make transfers to someone who then exceeds that authority, you will be liable for the transfers the person makes unless we have been notified those transfers by that person are no longer authorized. If you claim a credit or refund because of a forgery, alteration, or any other unauthorized withdrawal, you agree to cooperate with us in the investigation of the transaction(s) and/or loss, including giving us an affidavit containing whatever reasonable information we require concerning your Account, the statement was made available transaction, and the circumstances surrounding the loss. You will notify law enforcement authorities of any criminal act related to youthe claim of lost, you may not get back missing, or stolen checks or unauthorized withdrawals. We will have a reasonable period of time to investigate the facts and circumstances surrounding any claim of the value you lost after the sixty (60) days if loss. Unless we can prove that we could have stopped someone from taking value if you had notified us acted in time. If a good reason (such as a long trip or a hospital stay) kept you from telling usbad faith, we will extend not be liable for any special or consequential damages, including loss of profits or opportunity, or for attorneys’ fees incurred by you. You agree that you will not waive any rights you have to recover your loss against anyone who is obligated to repay, insure, or otherwise reimburse you for your loss. You will pursue your rights or, at our option, assign them to us so that we may pursue them. Our liability will be reduced by the time periodsamount you recover or are entitled to recover from these other sources. If your CardConcerning each item you deposit with us, PIN or Account number has been lost which we cash for you or stolengive other consideration, we will close your Card and/or Account you make the following warranties to keep losses down and send you a replacement Card and/or Account number.us whether Bank is the payor bank or depository bank: all necessary signatures and

Your Liability for Unauthorized Transfers. a. Contact us at once if If you permit other persons to use the Service or your Password, you are responsible for any transactions they authorize from your accounts. If you believe that your Card, PIN or Account number has been stolen. Telephoning is the best way to minimize your possible losses. If your Card, PIN or Account number Password has been lost or stolen, stolen or that someone has transferred or may transfer money from your Account account without your permission, call (notify us AT ONCE, by calling ▇-▇▇▇) -▇▇▇-▇▇▇▇ (▇.▇. ▇▇▇▇▇▇ Online clients only call ▇-▇▇▇-▇▇▇-▇▇▇▇) or writing us at Online Customer Service, P. O. Box 2558, Houston, TX 77252-9968. For Consumer Deposit Accounts and Chase Liquid Cards Only: Tell us AT ONCE if you believe your Password has been lost or stolen or that an unauthorized online transfer has been made from any of your deposit accounts or Chase Liquid Cards. Telephoning us is the best and fastest way of keeping your possible losses to a minimum. If you notify do not do so, you could lose all the money in each of the accounts, as well as all of the available funds in any overdraft protection account or any other credit line included among your accounts. If you tell us within two (2) business days Business Days after you learn of any unauthorized transactionsdiscover the loss or theft, you can lose no more than $50.00 are completely covered if someone used the Card, PIN or Account number makes a transfer without your permissionauthorization. If you do not notify tell us within two (2) business days Business Days after you learn of discover the loss or theft of your CardPassword or that an unauthorized online transfer has been made from any of your deposit accounts or Chase Liquid Cards, Account number or PIN and we can prove that we could have stopped someone from using your Account making a transfer without your permission authorization if you had promptly notified told us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card500. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. AlsoFurthermore, if you become aware of and/or your any account statement shows transactions online transfers that you did not make, notify tell us at once following the procedures stated in the below sub-section captioned “Information About Your Right to Dispute Errors.” AT ONCE. If you do not notify tell us within sixty (60) days for a transfer from a Chase Account after you become aware of the transaction(s) and/or the a Chase statement showing such a transfer was made available to youtransmitted, you may not get back any of the value money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking value the money if you had notified told us in time. If a good reason (reason, such as a long trip or a hospital stay) , kept you from telling us, we will extend the time periods. If your Card, PIN or Account number has been lost or stolen, we will close your Card and/or Account to keep losses down and send you a replacement Card and/or Account number.

Your Liability for Unauthorized Transfers. a. Contact us at once if Immediately following your discovery of an unauthorized Payment Instruction, you believe your Card, PIN or Account number has been stolenshall communicate with Education Credit Union in the manner set forth in Section 11 (Notices to Us Regarding the Zelle® and Other Payment Services) above. Telephoning You acknowledge and agree that time is of the essence in such situations. The best way to minimize your possible lossesloss is to call us immediately. If your Card, PIN or Account number has been lost or stolen, or someone has transferred or may transfer money from your Account without your permission, call (▇▇▇) ▇▇▇-▇▇▇▇. If you notify us within two (2) business days after you learn of any unauthorized transactions, you can lose You will have no more than $50.00 if someone used the Card, PIN or Account number 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, Account number or PIN and we can prove that we could have stopped someone from using your Account without your permission if you had promptly notified us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Also, if you become aware of and/or your statement shows transactions that you did not make, notify us at once following the procedures stated in the below sub-section captioned “Information About Your Right to Dispute Errors.” If you do not notify us within sixty (60) days after your monthly financial institution statement which shows the unauthorized transaction has been sent to you. If you become aware of the transaction(sdo not tell us within sixty (60) and/or days after the statement was made available sent to you, you may not get back lose any of the value you lost amount transferred without your authorization after the sixty (60) days if we can prove establish that we could have stopped someone from taking value if the money had you had notified told us in time. If a good reason (such as a long trip or a hospital stay) kept prevented you from telling us, we will extend the time periodsperiods specified above to a reasonable period. If When you give someone your Cardpassword or other means to access your account through which you access the Zelle® and Other Payment Services, PIN you are authorizing that person to use your service, and you are responsible for all transactions that person performs while using your service. All transactions that person performs, even those transactions you did not intend or Account number has been lost want performed, are authorized transactions. Additionally, transactions that you or stolensomeone acting with you initiates with fraudulent intent are also authorized transactions. These liability rules are established by Regulation E, we will close your Card and/or Account which implements the federal Electronic Fund Transfer Act and does not apply to keep losses down and send you a replacement Card and/or Account numberbusiness accounts. THE ZELLE® PAYMENT SERVICE IS INTENDED FOR SENDING MONEY TO FAMILY, FRIENDS AND OTHERS WHOM YOU TRUST. YOU SHOULD NOT USE ZELLE® TO SEND MONEY TO PERSONS WITH WHOM YOU ARE NOT FAMILIAR OR YOU DO NOT TRUST. ZELLE® DOES NOT OFFER PURCHASE PROTECTION FOR AUTHORIZED PAYMENTS MADE THROUGH THE ZELLE® PAYMENT SERVICE (FOR EXAMPLE, IF YOU DO NOT RECEIVE THE GOODS OR SERVICES THAT YOU PAID FOR, OR THE GOODS OR SERVICES THAT YOU RECEIVED ARE DAMAGED OR ARE OTHERWISE NOT WHAT YOU EXPECTED). REIMBURSEMENT IS AVAILABLE FOR UNAUTHORIZED TRANSACTIONS OR TRANSACTIONS RESULTING FROM CERTAIN QUALIFYING IMPOSTER SCAMS. CONTACT US TO DISPUTE A TRANSACTION.

Your Liability for Unauthorized Transfers. a. Contact us at once if If you believe your Card, PIN or Account number has been stolen. Telephoning is the best way to minimize your possible losses. If your Card, PIN or Account number Card has been lost or stolen, or someone you believe a transaction has transferred or may transfer money been made without your permission using information from your Card or Account, or you believe your Account credentials have been used without your permission, call tell Vulse AT ONCE, and FREEZE the relevant card(s) via the card screen in the Vulse mobile app. Reporting (▇▇▇i) ▇▇▇-your Card as lost or stolen, and (ii) any unauthorized or unexpected activity to ▇▇▇▇▇▇▇@▇▇▇▇▇.▇▇ as soon as possible is the best way of keeping your possible losses down. Vulse may suspend or cancel your Card and corresponding Account in the event of excessive reports of Card loss or theft .You agree that any unauthorized use does not include use by a person to whom you have given authority to use the Card or PIN and that you will be liable for any and all such uses by such person. For example, if you have given your Card or 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 given your Card information to a merchant for a transaction, you have given authority to that merchant to debit the Card for that transaction. 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 the Card, PIN or Account number without your permission. If you do not notify us tell Vulse within two (2) business days after you learn of the loss or theft of your Card, Account number you can lose no more than $50 if someone used your Card without your permission. If you do NOT tell Vulse within two (2) business days after you learn of the loss or PIN theft of your Card, and we Vulse can prove that we it could have stopped someone from using your Account Card without your permission if you had promptly notified ustold Vulse, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card500. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. AlsoAdditionally, if you become aware of and/or your periodic statement shows (if applicable) or transaction history (if applicable)shows transactions that you did not make, notify us Vulse at once following the procedures stated in the below sub-section captioned “Information About Your Right to Dispute ErrorsSection C.3 of this Agreement titled "ProcessingErrors.” " If you do not notify us S Vulse within sixty (60) days after you become aware of the transaction(s) transaction and/or after the statement transaction information was made available to you, you may not get back any of the value you lost after the sixty (60sixty(60) days if we Vulse can prove that we could have stopped someone from taking the value if you had notified us Vulse in time. If a good reason (such as a long trip or a hospital stay) kept you from telling usVulse, we will Vulse may extend the time periods. .If your Card, PIN or Account number the Card has been lost or stolen, we the Card will close your Card and/or Account be blocked to keep losses down and/or, if there is a physical Card associated with the account, are placement may be sent to you. You agree to cooperate reasonably with Vulse and send you a replacement Card and/or Account numberthe Issuer in any attempts to recover funds from, and to assist in the prosecution of, any unauthorized users of your Card.

Your Liability for Unauthorized Transfers. a. Contact (a) Consumer Liability; Generally. Tell us at once AT ONCE if you believe your Cardcard, PIN code, or Account number has been stolen. Telephoning is your password or other means to access your account through which you access the best way to minimize your possible losses. If your Card, PIN or Account number Service has been lost or stolen, or someone if you believe that an unauthorized electronic fund transfer has transferred or may transfer money from your Account been made without your permission, call permission using the Service. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (▇▇▇) ▇▇▇-▇▇▇▇plus your maximum overdraft line of credit). If you 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 the Card, PIN or Account number without your permission. If you do not notify us within two (2) business days 2 Business Days after you learn of the loss or theft of your Cardpassword or other means to access your account through which you access the Service, Account number you can lose no more than $50 if someone accessed your account and initiated a Payment Instruction without your permission. If you do NOT tell us within 2 Business Days after you learn of the loss or PIN theft of your password or other means to access your account through which you access the Service, and we can prove that we could have stopped someone from using your Account the Service without your permission if you had promptly notified told us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card500. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Also, if you become aware of and/or your statement shows transactions transfers that you did not make, notify including those made using the Service or by other means, tell us at once following the procedures stated in the below sub-section captioned “Information About Your Right to Dispute Errors.” once. If you do not notify tell us within sixty (60) 60 days after you become aware of the transaction(s) and/or the statement was made available mailed to you, you may not get back any of the value money you lost after the sixty (60) 60 days if we can prove that we could have stopped someone from taking value the money if you had 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. Additional limit on Liability for Columbia VISA® Debit Card. Unless you have been negligent or have engaged in fraud, you will not be liable for any unauthorized transactions using your lost or stolen Columbia VISA® Debit Card. This additional limit on liability does not apply to ATM transactions outside the U.S., to ATM transactions not sent over Visa or Plus networks, or to transactions using your Personal Identification Number which are not processed by VISA®. Visa is a registered trademark of Visa International Service Association. (b) Contact in event of unauthorized transfer. If you believe your Cardcard, PIN code, or Account number your password or other means to access your account through which you access the Service has been lost or stolen, we will close your Card and/or Account to keep losses down and send you a replacement Card and/or Account numbercall or write us at the telephone number or address listed in this User Agreement.

Your Liability for Unauthorized Transfers. a. Contact us at once The Account is a commercial account and does not provide consumer protections for unauthorized transactions or unauthorized access to your Account, including by way of lost or stolen Account or Card numbers. Treat the Card like cash. If your Card or PIN is lost or stolen, or if you believe either your Card, PIN, or the Account number associated with your Card has been compromised or is subject to any unauthorized use, you must notify us immediately, and you agree to take any reasonable actions we may request to prevent further unauthorized Card use. Until an Authorized Representative reports an Account or Card number as lost or stolen or reports an unauthorized transaction and we have had a reasonable amount of time to stop future transactions, the Account owner is fully responsible for all transactions initiated and fees incurred from the unauthorized use of the Account or Card. Contact customer service IMMEDIATELY if you believe: (a) a PIN or an Account number has been stolen. Telephoning is the best way to minimize your possible losses. If your Card, PIN or Account Card number has been lost or stolen, (b) someone has gained unauthorized access to any information to access the Account or Card, or (c) someone has transferred or may transfer money funds from your the Account without your an Authorized Representative's permission, call (▇▇▇) ▇▇▇-. Reporting a lost/stolen Account or Card number or unauthorized transactions by calling Platform at +▇▇▇▇▇▇▇▇▇▇▇ by emailing ▇▇▇▇▇▇▇@▇▇▇▇▇▇▇.▇▇▇ or by logging into the Platform App is the best way to minimize possible losses. Account owner is responsible for all unauthorized transactions initiated and fees incurred from the unauthorized use of the Account or Card. Failure to promptly notify us could result in the Account owner losing ALL of the money in the Account. If you notify us within two (2) business days after have both a virtual and a physical Card and you learn report one of any unauthorized transactionsyour Cards lost or stolen, you can lose no more than $50.00 if someone used both Cards will be canceled and new Cards will be issued. You are responsible for all transactions initiated and fees incurred by use of the Account and Card, PIN or Account number without your permission. If you do not notify us within two (2) business days after or your Authorized Representative permits another person to access the Account or Card, we will treat this as if you learn or your Authorized Representative has authorized such person to use the Account or Card, and you will be liable for all transactions and fees incurred by such person, even if they exceed the authorization granted. You will further be responsible for any transactions made and any fees incurred by your Authorized Representative even if your Authorized Representative exceeds the scope of the loss authority granted to such Authorized Representative by you. If you want to withdraw permission for an Authorized Representative to use the Account or theft of your Card, Account number or PIN and we can prove that we could have stopped someone from using your Account without your permission if you had promptly notified us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit then transactions made with the Account or Card is $0.00 if will be considered unauthorized only after you are not negligent or fraudulent in the handling of the Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately that the person is no longer authorized to use the Account or Card and we have had a reasonable amount of any unauthorized usetime to stop future transactions by that Authorized Representative. c. Also, if you become aware of and/or your statement shows transactions that you did not make, notify us at once following the procedures stated in the below sub-section captioned “Information About Your Right to Dispute Errors.” If you do not notify us within sixty (60) days after you become aware of the transaction(s) and/or the statement was made available to you, you may not get back any of the value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking value if you had notified us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If your Card, PIN or Account number has been lost or stolen, we will close your Card and/or Account to keep losses down and send you a replacement Card and/or Account number.

Your Liability for Unauthorized Transfers. a. Contact us at once if Immediately following your discovery of an unauthorized Payment Instruction, you believe your Card, PIN or Account number has been stolenshall communicate with Customer Support in the manner set forth in Section 11 (Notices to Us Regarding the Zelle® and Other Payment Services) above. Telephoning You acknowledge and agree that time is of the essence in such situations. The best way to minimize your possible lossesloss is to call us immediately. If your Card, PIN or Account number has been lost or stolen, or someone has transferred or may transfer money from your Account without your permission, call (▇▇▇) ▇▇▇-▇▇▇▇. If you notify us within two (2) business days after you learn of any unauthorized transactions, you can lose You will have no more than $50.00 if someone used the Card, PIN or Account number 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, Account number or PIN and we can prove that we could have stopped someone from using your Account without your permission if you had promptly notified us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Also, if you become aware of and/or your statement shows transactions that you did not make, notify us at once following the procedures stated in the below sub-section captioned “Information About Your Right to Dispute Errors.” If you do not notify us within sixty (60) days after your monthly financial institution statement which shows the unauthorized transaction has been sent to you. If you become aware of the transaction(sdo not tell us within sixty (60) and/or days after the statement was made available sent to you, you may not get back lose any of the value you lost amount transferred without your authorization after the sixty (60) days if we can prove establish that we could have stopped someone from taking value if the money had you had notified told us in time. If a good reason (such as a long trip or a hospital stay) kept prevented you from telling us, we will extend the time periodsperiods specified above to a reasonable period. If When you give someone your Cardpassword or other means to access your account through which you access the Zelle® and Other Payment Services, PIN you are authorizing that person to use your service, and you are responsible for all transactions that person performs while using your service. All transactions that person performs, even those transactions you did not intend or Account number has been lost want performed, are authorized transactions. Additionally, transactions that you or stolensomeone acting with you initiates with fraudulent intent are also authorized transactions. These liability rules are established by Regulation E, we will close your Card and/or Account which implements the federal Electronic Fund Transfer Act and does not apply to keep losses down and send you a replacement Card and/or Account numberbusiness accounts. THE ZELLE® PAYMENT SERVICE IS INTENDED FOR SENDING MONEY TO FAMILY, FRIENDS AND OTHERS WHOM YOU TRUST. YOU SHOULD NOT USE ZELLE® TO SEND MONEY TO PERSONS WITH WHOM YOU ARE NOT FAMILIAR OR YOU DO NOT TRUST. ZELLE® DOES NOT OFFER PURCHASE PROTECTION FOR AUTHORIZED PAYMENTS MADE THROUGH THE ZELLE® PAYMENT SERVICE (FOR EXAMPLE, IF YOU DO NOT RECEIVE THE GOODS OR SERVICES THAT YOU PAID FOR, OR THE GOODS OR SERVICES THAT YOU RECEIVED ARE DAMAGED OR ARE OTHERWISE NOT WHAT YOU EXPECTED). REIMBURSEMENT IS AVAILABLE FOR UNAUTHORIZED TRANSACTIONS OR TRANSACTIONS RESULTING FROM CERTAIN QUALIFYING IMPOSTER SCAMS. CONTACT US TO DISPUTE A TRANSACTION.

Your Liability for Unauthorized Transfers. a. Contact If you permit other persons to use the Service or your Password, you are responsible for any transactions they authorize from your accounts. If you believe that your Password has been lost or stolen or that For Consumer Deposit Accounts and Chase Liquid Cards Only: Tell us at once AT ONCE if you believe your Card, PIN or Account number has been stolen. Telephoning is the best way to minimize your possible losses. If your Card, PIN or Account number Password has been lost or stolen, stolen or someone that an unauthorized online transfer has transferred been made from any of your deposit accounts or may transfer money from Chase Liquid Cards. Telephoning us is the best and fastest way of keeping your Account without your permission, call (▇▇▇) ▇▇▇-▇▇▇▇possible losses to a minimum. If you notify do not do so, you could lose all the money in each of the accounts, as well as all of the available funds in any overdraft protection account or any other credit line included among your accounts. If you tell us within two (2) business days Business Days after you learn of any unauthorized transactionsdiscover the loss or theft, you can lose no more than $50.00 are completely covered if someone used the Card, PIN or Account number makes a transfer without your permissionauthorization. If you do not notify tell us within two (2) business days Business Days after you learn of discover the loss or theft of your CardPassword or that an unauthorized online transfer has been made from any of your deposit accounts or Chase Liquid Cards, Account number or PIN and we can prove that we could have stopped someone from using your Account making a transfer without your permission authorization if you had promptly notified told us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card500. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. AlsoFurthermore, if you become aware of and/or your any account statement shows transactions online transfers that you did not make, notify tell us at once following the procedures stated in the below sub-section captioned “Information About Your Right to Dispute Errors.” AT ONCE. If you do not notify tell us within sixty (60) days for a transfer from a Chase Account after you become aware of the transaction(s) and/or the a Chase statement showing such a transfer was made available to youtransmitted, you may not get back any of the value money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking value the money if you had notified told us in time. If a good reason (reason, such as a long trip or a hospital stay) , kept you from telling us, we will extend the time periods. If your Card, PIN or Account number has been lost or stolen, we will close your Card and/or Account to keep losses down and send you a replacement Card and/or Account number.

Your Liability for Unauthorized Transfers. a. If you are unable to find your Card, you may put a security hold on your Card so no money can be spent or cash withdrawn while you look for it. Click “Freeze My Card” from the Help page in the App. Contact us at once if you believe your Card, PIN or Account number Card has been lost or stolen. Telephoning is the best way to minimize your possible losses. If you believe your Card, PIN or Account number Card has been lost or stolen, or that someone has transferred or may transfer money from your Card Account without your permission, call (us at ▇-▇▇▇) -▇▇▇-▇▇▇▇. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions on your Card Account is $0.00 if you notify us within two (2) business days and you are not grossly negligent or fraudulent in the handling of your Card. This reduced liability does not apply to PIN transactions not processed by Visa or to ATM cash withdrawals. 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 the Card, PIN or Account number 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, Account number or PIN Card and we can prove that we could have stopped someone from using your Account Card without your permission if you had promptly notified us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Also, if you become aware of and/or your statement shows transactions that you did not make, notify us at once following the procedures stated in the below sub-section captioned paragraph labeled “Information About Your Right to Dispute Errors.” ”. If you do not notify us in writing within sixty (60) days after you become aware of the transaction(s) transaction and/or after the statement was made available to you, you may not get back any of the value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the value if you had notified us in timetime and you are grossly negligent or fraudulent in the handling of your Card. 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 your Card, PIN or Account number Card has been lost or stolen, we will close your Card and/or Account to keep losses down and send you down. Return to your employer to obtain a replacement Card and/or Account numbercard, and call ▇-▇▇▇-▇▇▇-▇▇▇▇ to transfer funds to your replacement card.

Your Liability for Unauthorized Transfers. a. Contact You must contact us immediately via the App (if available), by calling us at once if you believe your Card, PIN or Account number has been stolen. Telephoning is the best way to minimize your possible losses. If your Card, PIN or Account number has been lost or stolen, or someone has transferred or may transfer money from your Account without your permission, call (▇-▇▇▇) -▇▇▇-▇▇▇▇. If , or email us at ▇▇▇▇▇▇▇@▇▇▇▇▇▇▇▇▇.▇▇▇ 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 believe the Card, PIN PIN, or Bank Account number has been stolen, compromised, or your Bank Account has been used 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, Account number or PIN and we can prove that we could have stopped someone from using your Account without your permission if you had promptly notified us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating RegulationsCore Rules, your liability for unauthorized Visa debit transactions made with on the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa Visa, or to ATM transactions outside anonymous prepaid cards (until such time as the U.S. identity of the cardholder has been registered with us). You must notify us immediately of any unauthorized use. c. . In the event that the Visa Zero Liability Rules do not apply, if you notify us within two (2) business days after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used the Bank Account without your permission. If you do not notify us within two (2) business days after you learn of the loss or theft of the Card, PIN, or Bank Account number and we can prove that we could have stopped someone from using the Bank Account 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 that you did not makeauthorize, notify us ▇▇▇▇ at once following the procedures stated in the below sub-section paragraph captioned “"Information About Your Right to Dispute Errors.” " If you do not notify us within sixty (60) days after you become aware of the transaction(s) and/or the statement was made available to you, you may not get back any of the value you lost after the sixty (60) days if we can prove that we someone could have been stopped someone from taking value if you had notified provided us notice in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will may extend the time periods. If your Card, PIN PIN, or Bank Account number has been lost lost, stolen, or stolencompromised, we will close your deactivate the Card and/or Bank Account to keep losses down prevent further transactions from occurring and send you a replacement Card and/or Bank Account numberNumber.

Your Liability for Unauthorized Transfers. a. Contact You are responsible for all transfers you authorize using an EFT service under this Agreement, except as provided in this Agreement or as required by law. If you authorize other persons to use an EFT service or your personal identification number ("PIN") or access code to access one or more of your Unitus accounts, you are responsible and liable for any transactions they authorize or conduct on any of your accounts. Tell us at once if you believe your Cardcard, access device, PIN or Account number access code has been stolenlost, stolen or learned by another person. Telephoning us is the best way to minimize of keeping your possible losses. If your Card, PIN or Account number has been lost or stolen, or someone has transferred or may transfer money from your Account without your permission, call (▇▇▇) ▇▇▇-▇▇▇▇losses down. If you notify tell us within two (2) business days after you learn of any unauthorized transactionsthe loss or theft, you can lose no more than $50.00 if 50 for an unauthorized electronic funds transfer or series of related unauthorized transfers made by someone used the Card, PIN or Account number 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 Cardcard, Account number access device, PIN or PIN access code, and we can prove that we could have stopped someone from using your Account without your permission prevented the unauthorized transaction if you had promptly notified ustold us in time, you could lose be liable for as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, 500. Losses could include the money in your liability for unauthorized Visa debit transactions account plus any advances made with through the Card is $0.00 if you are not negligent use of our Check Protect or fraudulent in the handling of the Cardoverdraft protection programs. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Also, if you become aware of and/or your statement shows transactions EFT transfers that you did not make, notify tell us at once following the procedures stated in the below sub-section captioned “Information About Your Right to Dispute Errors.” once. If you do not notify tell us within sixty (60) days after you become aware of the transaction(s) and/or the statement was made available mailed to you, you may not get back any of the value you money lost after the sixty (60) days if we can prove that we could have stopped someone from taking value making the transfers if you had 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 this time periods. If your Card, PIN or Account number has been lost or stolen, we will close your Card and/or Account to keep losses down and send you a replacement Card and/or Account numberperiod.

Your Liability for Unauthorized Transfers. a. Contact us at once if you believe your CardYou must contact Synapse, PIN or Account number has been stolen. Telephoning is the best way to minimize your possible losses. If your Card, PIN or Account number has been lost or stolen, or someone has transferred or may transfer money from your Account without your permission, call by calling at‌ +▇(▇▇▇) ▇▇▇-▇▇▇▇ or emailing ▇▇▇▇@▇▇▇▇▇▇▇▇▇.▇▇▇ if you believe your Account number was stolen or if you believe someone has transferred or may transfer money from your Account without permission. If your account number was stolen or if you believe someone has transferred or may transfer money from your Account without permission contact us immediately through Synapse, at the number specified above.‌‌‌ 5.6.1. If you notify us within two (2) business days after you learn of any unauthorized transactionstransaction, you can lose no more than $50.00 if someone used the Card, PIN or your Account number 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, Account number or PIN and we can prove that we could have stopped someone from using your Account without your permission if you had promptly notified us, you could lose as much as $500.00.500.00.‌‌‌‌‌ b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card5.6.2. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Also, if If you become aware of and/or your statement shows transactions that you did not make, notify us at once following the procedures stated in the section below sub-section captioned “Information About Your Right to Dispute ErrorsErrors and Disputes.” If you do not notify us within sixty (60) days after (i) you become aware of the transaction(s) and/or (ii) the statement was made available to you, you may not get back any of the value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking value if you had notified us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If your Card, PIN or Account number has been lost or stolenAfter receiving notice from you of such an event, we will close your Card and/or Account to keep losses down and send issue you a replacement Card new Account number.‌‌‌‌‌‌‌‌ 5.6.3. If your Account number changes, you must immediately notify your employer or any other payors or merchants. You must provide them with your new Account number to ensure that your direct deposit and/or Account number.payments activity continues uninterrupted.‌‌ 5.6.4. If you furnish your access device and grant actual authority to make transfers to someone who then exceeds that authority, you will be liable for the transfers the person makes unless we have been notified that transfers by that person are no longer authorized. If you claim a credit or refund because of a forgery, alteration, or any other unauthorized withdrawal, you agree to cooperate with us in the investigation of the loss, including giving us an affidavit containing whatever reasonable information we require concerning your Account, the transaction, and the circumstances surrounding the loss. You will notify law enforcement authorities of any criminal act related to the claim of lost, missing, or stolen checks or unauthorized withdrawals. We will have a reasonable period of time to investigate the facts and circumstances surrounding any claim of loss. Unless we have acted in bad faith, we will not be liable for any special or consequential damages, including loss of profits or opportunity, or for attorneys’ fees incurred by you. You agree that you will not waive any rights you have to recover your loss against anyone who is obligated to repay, insure, or otherwise reimburse you for your loss. You will pursue your rights or, at our option, assign them to us so that we may pursue them. Our liability will be reduced by the amount you recover or are entitled to recover from these other sources. Concerning each item you deposit with us, or which we cash for you or give other consideration, you make the following warranties to us whether Bank is the payor bank or depository bank: all necessary signatures and endorsements have been placed on the time and are genuine, the item has not been materially altered and you have good title to it, and no defense of any party to the item is good against you. If any such warranty is breached, we may deduct the amount of the item from any of your accounts or otherwise collect from you this amount plus expenses.‌‌‌‌‌‌‌‌‌‌‌‌‌‌‌‌‌‌‌‌‌‌‌

Your Liability for Unauthorized Transfers. a. Contact us at once if If you permit other persons to use the PTPP Service or your Password, you are responsible for any transactions they authorize from your accounts. If you believe that your Card, PIN or Account number has been stolen. Telephoning is the best way to minimize your possible losses. If your Card, PIN or Account number Password has been lost or stolen, stolen or that someone has transferred or may transfer money from your Account account without your permission, call notify us AT ONCE, by e-mailing us at ▇▇▇▇▇▇▇▇▇▇▇▇▇▇@▇▇▇▇▇▇▇▇.▇▇▇ or by calling (▇▇▇) ▇▇▇-▇▇▇▇. For Consumer Deposit Accounts: Tell us AT ONCE if you believe your Password has been lost or stolen or that an unauthorized online transfer has been made from any of your deposit accounts. Telephoning us is the best and fastest way of keeping your possible losses to a minimum. If you notify do not do so, you could lose all the money in each of the accounts, as well as all of the available funds in any overdraft protection account or any other credit line included among your accounts. If you tell us within two (2) business days Business Days after you learn of any unauthorized transactionsdiscover the loss or theft, you can lose no more than $50.00 are completely covered if someone used the Card, PIN or Account number makes a transfer without your permissionauthorization. If you do not notify tell us within two (2) business days Business Days after you learn of discover the loss or theft of your CardPassword or that an unauthorized online transfer has been made from any of your deposit accounts, Account number or PIN and we can prove that we could have stopped someone from using your Account making a transfer without your permission authorization if you had promptly notified told us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card500. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. AlsoFurthermore, if you become aware of and/or your any account statement shows transactions online transfers that you did not make, notify tell us at once following the procedures stated in the below sub-section captioned “Information About Your Right to Dispute Errors.” AT ONCE. If you do not notify tell us within sixty (60) days for a transfer from a Pacific Crest Account after you become aware of the transaction(s) and/or the a Pacific Crest statement showing such a transfer was made available to youtransmitted, you may not get back any of the value money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking value the money if you had notified told us in time. If a good reason (reason, such as a long trip or a hospital stay) , kept you from telling us, we will may extend the time periods. If your Card, PIN or Account number has been lost or stolen, we will close your Card and/or Account to keep losses down and send you a replacement Card and/or Account number.

Your Liability for Unauthorized Transfers. a. Contact You are responsible for all transactions you authorize using your password, security code, personal data, or other mode (including online banking or mobile application) to access your account to access this Service. If you authorize other persons to use your password, security code, personal data, or other mode (including online banking or mobile application) to access this Service, you are responsible for all transactions they authorize or conduct on any of your accounts (even if that person exceeded the amount for which you gave permission).If the Account is a joint account, all transactions involving the account are binding on all Account holders. Tell us at once AT ONCE if you believe your Card, PIN or Account number account has been stolen. Telephoning is the best way to minimize your possible losses. If your Card, PIN or Account number has been lost or stolen, or compromised and that someone has transferred or may transfer money from your Account account without your permission. Telephoning us is the best and fastest way of keeping your possible losses to a minimum. You could lose all the money in the Accounts, call (▇▇▇) ▇▇▇-▇▇▇▇plus your maximum overdraft Line of Credit, if you have one with us). If you notify tell us within two (2) business days after you learn of any unauthorized transactionsdiscover the loss or theft, you can lose may be liable for no more than $50.00 50, if someone used the Card, PIN or accesses your Account number without your permission. If if you do not notify tell us within two (2) business days after you learn of discover the loss or theft of your Cardpassword or that an unauthorized online transfer has been made from any of your deposit Accounts, Account number or PIN and we can prove that we could have stopped someone from using your Account making a transfer without your permission authorization if you had promptly notified told us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card500. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. AlsoFurthermore, if you become aware of and/or your any Account statement shows transactions online transfers that you did not make, notify tell us at once following the procedures stated in the below sub-section captioned “Information About Your Right to Dispute Errors.” AT ONCE. If you do not notify tell us within sixty (60) days for a transfer from your Account after you become aware of the transaction(s) and/or the a statement showing such a transfer was made available to youtransmitted, you may not get back any of the value money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking value the money if you had notified told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling usyour delay in notifying the Credit Union was due to extenuating circumstances, we will shall extend the time periodstimes above to a reasonable period. If you have authorized someone else to use of your Cardpassword, PIN you are responsible for all transactions that person or Account number has been lost persons initiates at any time, even if the amount or stolen, we will close your Card and/or Account to keep losses down and send transactions exceed what you a replacement Card and/or Account numbermay have authorized.

Your Liability for Unauthorized Transfers. a. Contact us at once Please note that the term unauthorized electronic fund transfer, also referred to herein as an unauthorized transfer, has the same meaning as defined in Regulation E, 12 CFR § 1005.2(m). You are responsible for all transfers you authorize using the Services hereunder. Transactions that you or someone acting with you initiates with fraudulent intent are also authorized transactions. You understand and agree that you will be responsible for all transactions that you make and/or initiate, including fraudulent transactions where you initiate the transaction but are the victim of fraud or transactions you initiate in error. When you give someone your password or other means to access the Services, you are authorizing that person to use your Services, and you are responsible for all transactions that person performs while using your Services unless otherwise provided for by applicable law. All transactions that person performs, even those transactions you did not intend or want performed, are authorized transactions, unless otherwise provided for by applicable law. Notify the Credit Union immediately if you believe your Card, PIN password or Account number other credentials to access the Services have been lost or stolen or that an unauthorized transfer has been stolenmade from any of your accounts. Telephoning us is the best and fastest way to minimize of keeping your possible losseslosses to a minimum. If You could lose all the money in your Card, PIN or Account number has been lost or stolen, or someone has transferred or may transfer money from your Account without your permission, call (▇▇▇) ▇▇▇-▇▇▇▇accounts. If you notify tell us within two (2) business days after you learn of any unauthorized transactionsdiscover the loss or theft, you can lose may be liable for no more than $50.00 50, if someone used the Card, PIN or Account number accesses your account without your permission. If you do not notify tell us within two (2) business days after you learn of discover the loss or theft of your Cardpassword or other credentials to access the services, Account number or PIN that an unauthorized transfer has been made from any of your accounts, and we can prove that we could have stopped someone from using your Account making a transfer without your permission authorization if you had promptly notified told us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card500. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. AlsoFurthermore, if you become aware of and/or your any account statement shows transactions transfers that you did not make, notify tell us at once following the procedures stated in the below sub-section captioned “Information About Your Right to Dispute Errors.” immediately. If you do not notify tell us within sixty (60) days after you become aware of the transaction(s) and/or the statement was made available mailed to you, you may not get back any of the value you money lost after the sixty (60) days if we can prove that we could have stopped someone from taking value making the transfers if you had 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. If you believe your Card, PIN password or Account number other credentials to access the services has been lost or stolenstolen or that someone has transferred or may transfer money from your accounts using the services without your permission, call: (877-MY-LAPFCU (877-695-2732) Or write to: LOS ANGELES POLICE FEDERAL CREDIT UNION, ▇▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇, ▇▇▇ ▇▇▇▇, CA 91406 In case of errors or questions about your Bill Pay service transactions, you must telephone us at: 877-MY-LAPFCU (877-695-2732) or write us at: LOS ANGELES POLICE FEDERAL CREDIT UNION, ▇▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇, Van ▇▇▇▇, CA 91406, as soon as you can, if you think your statement is wrong or if you need more information about a transaction listed on the statement. You can click here for more information about our days and hours of operation for contacting us. We must hear from you no later than sixty (60) days after we send you the FIRST statement on which the problem or error appeared. You must: Tell us your name and account number. Describe the error or the transaction you are unsure about and explain as clearly as you can why you believe it is an error or why you need more information; and Tell us the dollar amount of the suspected error. If you tell us orally, we will close require that you send us your Card and/or Account complaint or question in writing within ten (10) Business Days. We will determine whether an error occurred within ten (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 keep losses down forty-five (45) days to investigate your complaint or question. If we decide to do this, we will provisionally credit your account within ten (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. However, if the notice of error involves a transfer to or from an account within thirty days after the first deposit to the account was made, we may have up to twenty (20) days to determine if an error occurred and we will provisionally credit such an account within twenty (20) days if more time is needed to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) Business Days, we may not provisionally credit your account. For an electronic fund transfer occurring within thirty (30) days after the first deposit was made to the account, we may take up to ninety (90) rather than forty-five (45) calendar days to complete our investigation. We will tell you the results within three (3) Business Days after completing our investigation. If we decide that there was no error, we will send you a replacement Card and/or Account numberwritten explanation. You may ask for copies of the documents that we used in our investigation.

Your Liability for Unauthorized Transfers. a. Contact us You must contact Synapse, by calling at once if you believe your Card, PIN or Account number has been stolen. Telephoning is the best way to minimize your possible losses. If your Card, PIN or Account number has been lost or stolen, or someone has transferred or may transfer money from your Account without your permission, call +▇(▇▇▇) ▇▇▇-▇▇▇▇ or emailing ▇▇▇▇@▇▇▇▇▇▇▇▇▇.▇▇▇ if you believe your Account number was stolen or if you believe someone has transferred or may transfer money from your Account without permission. If your account number was stolen or if you believe someone has transferred or may transfer money from your Account without permission contact us immediately through Synapse, at the number specified above. 6.8.1. If you notify us within two (2) business days after you learn of any unauthorized transactionstransaction, you can lose no more than $50.00 if someone used the Card, PIN or your Account number 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, Account number or PIN and we can prove that we could have stopped someone from using your Account without your permission if you had promptly notified notified us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card6.8.2. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Also, if If you become aware of and/or your statement shows transactions that you did not make, notify us at once following the procedures stated in the section below sub-section captioned “Information About Your Right to Dispute ErrorsErrors and Disputes.” If you do not notify us within sixty (60) days after (i) you become aware of the transaction(s) and/or (ii) the statement was made available to you, you may not get back any of the value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking value if you had notified notified 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 your Card, PIN or Account number has been lost or stolenAfter receiving notice from you of such an event, we will close your Card and/or Account to keep losses down and send issue you a replacement Card and/or new Account number. 6.8.3. If your Account number changes, you must immediately notify your employer or any other payors or merchants. You must provide them with your new Account number to ensure that your direct deposit and/or payments activity continues uninterrupted. 6.8.4. If you furnish your access device and grant actual authority to make transfers to someone who then exceeds that authority, you will be liable for the transfers the person makes unless we have been notified that transfers by that person are no longer authorized. If you claim a credit or refund because of a forgery, alteration, or any other unauthorized withdrawal, you agree to cooperate with us in the investigation of the loss, including giving us an affidavit containing whatever reasonable information we require concerning your Account, the transaction, and the circumstances surrounding the loss. You will notify law enforcement authorities of any criminal act related to the claim of lost, missing, or stolen checks or unauthorized withdrawals. We will have a reasonable period of time to investigate the facts and circumstances surrounding any claim of loss. Unless we have acted in bad faith, we will not be liable for any special or consequential damages, including loss of profits or opportunity, or for attorneys’ fees incurred by you. You agree that you will not waive any rights you have to recover your loss against anyone who is obligated to repay, insure, or otherwise reimburse you for your loss. You will pursue your rights or, at our option, assign them to us so that we may pursue them. Our liability will be reduced by the amount you recover or are entitled to recover from these other sources. Concerning each item you deposit with us, or which we cash for you or give other consideration, you make the following warranties to us whether Bank is the payor bank or depository bank: all necessary signatures and endorsements have been placed on the time and are genuine, the item has not been materially altered and you have good title to it, and no defense of any party to the item is good against you. If any such warranty is breached, we may deduct the amount of the item from any of your accounts or otherwise collect from you this amount plus expenses.

Your Liability for Unauthorized Transfers. a. Contact us at once if If you believe your Cloaked Card has been lost or stolen or you believe a transaction has been made without your permission using information from your Card, PIN or Cloaked Card Account number has or you believe your Cloaked Account credentials have been stolenused without your permission, tell us AT ONCE, and FREEZE the relevant card(s) via the “Cards” section in your Dashboard, and tied to specific userIdentity and card-type, where you will be permitted to freeze cards from further spend. Telephoning Reporting your Card lost or stolen and any unauthorized or unexpected activity to ▇▇▇▇▇▇▇@▇▇▇▇▇▇▇.▇▇▇ as soon as possible is the best way to minimize of keeping your possible losseslosses down. We may suspend or cancel your Card and corresponding Cloaked Account in the event of excessive reports of Card loss or theft. You agree that any unauthorized use does not include use by a person to whom you have given authority to use the Card or PIN and that you will be liable for all such uses by such person. For example, if you have given your Card or Card information to another person to use, such as a friend or relative, you are responsible 1 This means when cardholders use their cards at a merchant location. If you’re providing physical cards, or using something like Apple Pay or Google Pay, you may want to avail yourselves of these extended timelines. You should consult with counsel before applying the extended timelines to e-commerce transactions. for that person’s transactions with your Card, PIN or Account number has been lost or stolenand if you have given your Card information to a merchant for a transaction, or someone has transferred or may transfer money from your Account without your permission, call (▇▇▇) ▇▇▇-▇▇▇▇you have given authority to that merchant to debit the Card for that transaction. 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 the Card, PIN or Account number without your permission. If you do not notify us within two (2) business days after you learn of the loss or theft of your Cloaked Card, Account number you can lose no more than $50 if someone used your Cloaked Card without your permission. If you do NOT tell us within two business days after you learn of the loss or PIN theft of your Cloaked Card, and we can prove that we could have stopped someone from using your Account Cloaked Card, without your permission if you had promptly notified told us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card500. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Also, if you become aware of and/or your periodic statement (if applicable) or transaction history (if applicable) shows transactions that you did not make, notify us Cloaked at once following the procedures stated in the below sub-section captioned Section of this Agreement titled “Information About Your Right to Dispute ErrorsDisputes.” If you do not notify us Cloaked within sixty (60) days after you become aware of the transaction(s) transaction and/or after the statement transaction information was made available to you, you may not get back any of the value you lost after the sixty (60) days if we Cloaked can prove that we could have stopped someone from taking the value if you had notified us Cloaked in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will Cloaked may extend the time periods. If your Card, PIN or Account number the Card has been lost or stolen, we the Card will close your Card and/or Account be blocked to keep losses down and send you and/or, if there is a physical card associated with the account, a replacement Card and/or Account numbermay 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 Transfers. a. Contact Tell us at once AT ONCE if you believe your Card, PIN Card or Account number has been stolen. Telephoning is the best way to minimize your possible losses. If your Card, PIN or Account number code has been lost or stolen, or someone if you believe that an electronic fund transfer has transferred or may transfer money been made without your permission using information from your Account without Card. Telephoning is the best way of keeping your permission, call (▇▇▇) ▇▇▇-▇▇▇▇possible losses down. You could lose all the money in your Card Account. If you notify tell us within two (2) 2 business days after you learn of any unauthorized transactionsthe loss or theft, you can lose no more than $50.00 50 if someone used the Card, PIN your Card or Card Account number 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 CardCard or code, Account number or PIN and we can prove that we could have stopped someone from using your Account Card or code without your permission if you had promptly notified told us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card500. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Also, if you become aware of and/or your statement electronic history shows transactions transfers that you did not make, notify including those made by Card, code or other means, tell us at once following the procedures stated in the below sub-section captioned “Information About Your Right to Dispute Errors.” once. If you do not notify tell us within sixty (60) 60 days after the earlier you become aware of accessed your Card Account or the transaction(s) and/or the statement was made available date, we FIRST sent a written transaction history to youyou (if applicable), you may not get back any of the value money you lost after the sixty (60) 60 days if we can prove that we could have stopped someone from taking value the money if you had 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. If Under Visa Core Rules, your liability for unauthorized Visa debit transactions on your Card Account is $0.00 if you are not negligent or fraudulent in the handling of your Card. This reduced liability does not apply to certain commercial card transactions, PIN transactions not processed by Visa, or Account number to anonymous prepaid cards (until such time as the identity of the cardholder has been lost or stolen, we will close your Card and/or Account to keep losses down and send you a replacement Card and/or Account numberregistered with us). You must notify us immediately of any unauthorized use.

Your Liability for Unauthorized Transfers. a. Contact us at once Tell FSB AT ONCE if you believe your CardATM card, PIN debit card, Personal Identification Number (PIN) or Account number similar code has been stolen. Telephoning is the best way to minimize your possible losses. If your Cardlost, PIN or Account number has been lost or stolen, or someone learned by an unauthorized person, or if you believe that an electronic fund transfer has transferred or may transfer money been made without your permission using information from your Account without your permission, call (▇▇▇) ▇▇▇-▇▇▇▇check. If you notify us tell FSB within two (2) business days after you learn of any unauthorized transactionsthe loss or theft, you can lose no more than $50.00 if 50 for an unauthorized electronic funds transfer or a series of related unauthorized transfers should someone used the Card, PIN use your card or Account number code without your permission. If you do not notify us NOT tell FSB within two (2) business days after you learn of the loss or theft of your Card, Account number card or PIN code and we can prove that we FSB could have stopped someone from using your Account card or code without your permission if you had promptly notified ustold FSB, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling 500. Your losses could include all of the Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Alsomoney in your account plus, if you become aware of and/or have an overdraft protection plan linked to your account, any transfers from another account, or any advances on a credit line or credit card. Tell FSB AT ONCE if your statement shows transactions transfers that you did not make, notify us at once following the procedures stated in the below sub-section captioned “Information About Your Right to Dispute Errors.” including those made by card, code, or other means. If you do not notify us tell FSB within sixty (60) 60 days after you become aware of the transaction(s) and/or the statement was made available mailed to you, you may not get back any of the value money you lost after the sixty (60) 60 days if we can prove that we FSB could have stopped someone from taking value the money if you had notified us told FSB in time. If a good reason (such as a long trip or a hospital stay) kept you from telling usFSB, we FSB will extend the time periodsperiods for claims of unauthorized transfers. or Stolen USAA ATM cards and debit cards or access codes are shown on the Service Fee Schedule . You may also contact FSB on usaa .com . You should also call the number or write to the address listed on the Service Fee Schedule or contact FSB at ▇▇▇▇.▇▇▇ if you believe a transfer has been made using the information from your check without your permission. If your Cardunauthorized activity occurs, PIN or Account number has been lost or stolen, we will close your Card and/or Account you agree to keep losses down cooperate during the investigation and send you a replacement Card and/or Account numberto complete an affidavit regarding the unauthorized activity.

Your Liability for Unauthorized Transfers. a. Contact us at once if You may have to bear the loss of money taken from any of your Eligible Accounts in any transaction or series of transactions initiated by using your Security Credentials. You could lose all the money in your account. How much of the loss you believe will have to bear will depend on when we are given a notice that your Card, PIN or Account number has been stolen. Telephoning is the best way to minimize your possible losses. If your Card, PIN or Account number Security Credentials has been lost or stolenstolen or are given a notice, or someone become aware of circumstances, indicating that a transaction through the Online Banking Services involving any of your Eligible Accounts has transferred been or may transfer money from be initiated by using your Account Security Credentials without your permissionauthorization. To the extent a transaction is an electronic funds transfer, call under the Federal Reserve Board’s Regulation E (an “EFT”), if we are given the notice or become aware of those circumstances within 2 Business Days after the date you learn of the loss, theft or possible unauthorized EFT, you will have to bear (subject to limitations under federal law) as much as $50 of the loss. If we are not given the notice or do not become aware of those circumstances within those 2 Business Days and we can show that we could have stopped the taking of the money had we been given the notice during those 2 Business Days, you will have to bear (subject to limitations under federal law) as much as $500 of the loss. We may, when applicable, rely on any exceptions to the provisions in this Section that are in Regulation E. If you do not report the unauthorized EFT to us within 60 days after the date we send or deliver the statement to you, you will have to bear (subject to limitations under federal law) as much as $500 of the loss occurring before the end of those 60 days and, if we can show that we could have stopped the taking of the money had the unauthorized EFT been reported to us during those 60 days, all of the loss occurring after the end of those 60 days. You agree to assist us in our efforts to recover any funds that were paid without your permission or consent. The telephone number and address of the person to be notified when you believe that an unauthorized EFT has been or may be made are as follows: # Call Bank’s Customer Service during business hours at ▇-▇▇▇-▇▇▇-▇▇▇▇ (only for domestic calls) or (▇▇▇) ▇▇▇-▇▇▇▇ (both domestic as well as international calls). # Write us at: BAC Florida Bank, ▇. ▇▇ ▇▇▇▇▇▇▇ ▇▇▇▇ ▇-▇▇, ▇▇▇▇▇ ▇▇▇▇▇▇, ▇▇▇▇▇▇▇ ▇▇▇▇▇ # Through an Internal Electronic Message If you notify think that your statement is wrong or if you need more information about a transfer listed on the statement, call or write us within two (2) business on the address listed above. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. When you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used the Card, PIN or Account number 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, Account number or PIN and we can prove that we could have stopped someone from using your Account without your permission if you had promptly notified us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, (i) tell us your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Also, if you become aware of and/or your statement shows transactions that you did not make, notify us at once following the procedures stated in the below sub-section captioned “Information About Your Right to Dispute Errors.” If you do not notify us within sixty (60) days after you become aware of the transaction(s) and/or the statement was made available to you, you may not get back any of the value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking value if you had notified us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If your Card, PIN or Account number has been lost or stolen, we will close your Card and/or Account to keep losses down name and send you a replacement Card and/or Account account number.;

Your Liability for Unauthorized Transfers. a. Contact You must contact us immediately at once if you believe your Card, PIN or Account number has been stolen. Telephoning is the best way to minimize your possible losses. If your Card, PIN or Account number has been lost or stolen, or someone has transferred or may transfer money from your Account without your permission, call (▇▇▇) -▇▇▇-▇▇▇-▇. If ▇▇▇ 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 believe the Card, PIN or Bank Account number has been stolen, compromised, or your Bank Account has been used 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, Account number or PIN and we can prove that we could have stopped someone from using your Account without your permission if you had promptly notified us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating RegulationsCore Rules, your liability for unauthorized Visa debit transactions made with on the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa Visa, or to ATM transactions outside anonymous prepaid cards (until such time as the U.S. identity of the cardholder has been registered with us). You must notify us immediately of any unauthorized use. c. . In the event that the Visa Zero Liability Rules do not apply, if you notify us within two (2) business days after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used the Bank Account without your permission. If you do not notify us within two (2) business days after you learn of the loss or theft of the Card, PIN, or Bank Account number and we can prove that we could have stopped someone from using the Bank Account 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 that you did not makeauthorize, notify us ▇▇▇▇ at once following the procedures stated in the below sub-section paragraph captioned “"Information About Your Right to Dispute Errors.” ". If you do not notify us within sixty (60) days after you become aware of the transaction(s) and/or the statement was made available to you, you may not get back any of the value you lost after the sixty (60) days if we can prove that we someone could have been stopped someone from taking value if you had notified provided us notice in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will may extend the time periods. If your Card, PIN or Bank Account number has been lost lost, stolen or stolencompromised, we will close your deactivate the Card and/or Bank Account to keep losses down prevent further transactions from occurring and send you a replacement Card and/or Bank Account numberNumber.

Your Liability for Unauthorized Transfers. a. Contact us at once if you believe your Card, PIN or Account number Card has been lost or stolen. Telephoning is the best way to minimize your possible losses. If you believe your Card, PIN or Account number Card has been lost or stolen, or that someone has transferred or may transfer money from your Card Account without your permission, call (▇▇▇) .▇▇▇-.▇▇▇▇. If Under Visa Core Rules, your liability for unauthorized Visa debit transactions on your Card Account is $0.00 if you are not grossly negligent or fraudulent in the handling of your Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa, or to anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us). You must notify us immediately of any unauthorized use. In the event the Visa Zero Liability Rules do not apply, if you notify us within two (2) business days after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used the Card, PIN or Account number 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, Account number or PIN Card and we can prove that we could have stopped someone from using your Account Card without your permission if you had promptly notified us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Also, if you become aware of and/or your statement transaction history shows transactions that you did not make, notify us at once following the procedures stated in the below sub-section captioned paragraph labeled “Information About Your Right to Dispute Errors.” If you do not notify us within sixty (60) days after you become aware of the transaction(s) transaction and/or after the statement transaction history was made available to you, you may not get back any of the value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the value if you had notified 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 your Card, PIN or Account number Card has been lost or stolen, we will close your Card and/or Account to keep losses down and will send you a replacement Card and/or Account numbercard. There is a fee for replacing your Card. For information about the fee, see the section labeled “Fee Schedule.”

Your Liability for Unauthorized Transfers. a. Contact us at once if you believe your the Card, PIN or Varo Bank Account number has been stolenstolen or compromised. Telephoning is the best way to minimize your possible losses. If your the Card, PIN or Varo Bank Account number has been lost lost, stolen or stolencompromised, or you suspect that someone has transferred or may transfer money from your from the Varo Bank Account without your permission, call (▇-▇▇▇) -▇▇▇-▇▇▇▇. 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 the Card, PIN or Account number 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, Account number or PIN and we can prove that we could have stopped someone from using your Account without your permission if you had promptly notified us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating RegulationsCore Rules, your liability for unauthorized Visa debit transactions made with on the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa Visa, or to ATM transactions outside anonymous prepaid cards (until such time as the U.S. identity of the cardholder has been registered with us). You must notify us immediately of any unauthorized use. c. . In the event that the Visa Zero Liability Rules do not apply, if you notify us within two (2) business days after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used the Varo Bank Account without your permission. If you do not notify us within two (2) business days after you learn of the loss or theft of the Card, PIN, or Varo Bank Account number and we can prove that we could have stopped someone the Varo Bank Account 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 that you did not make, notify us Varo at once following the procedures stated in the below sub-section paragraph captioned “"Information About Your Right to Dispute Errors.” ". If you do not notify us within sixty (60) days after you become aware of the transaction(s) and/or the statement was made available to you, you may not get back any of the value you lost after the sixty (60) days if we can prove that we someone could have been stopped someone from taking value if you had notified provided us notice 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 your the Card, PIN or Varo Bank Account number has been lost lost, stolen or stolencompromised, we will close your de-activate the Card and/or Varo Bank Account to keep losses down and send you a replacement Card and/or Varo Bank Account number.

Your Liability for Unauthorized Transfers. a. Contact us You must contact Synapse, by calling at once if you believe your Card, PIN or Account number has been stolen. Telephoning is the best way to minimize your possible losses. If your Card, PIN or Account number has been lost or stolen, or someone has transferred or may transfer money from your Account without your permission, call +1‌ (▇▇▇) ▇▇▇-▇▇▇▇ or emailing ▇▇▇▇@▇▇▇▇▇▇▇▇▇.▇▇▇ if you believe your Account number was stolen or if you believe someone has transferred or may transfer money from your Account without permission. If your account number was stolen or if you believe someone has transferred or may transfer money from your Account without permission contact us immediately through Synapse, at the number specified above.‌‌‌ 7.9.1. If you notify us within two (2) business days after you learn of any unauthorized transactionstransaction, you can lose no more than $50.00 if someone used the Card, PIN or your Account number 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, Account number or PIN and we can prove that we could have stopped someone from using your Account without your permission if you had promptly notified us, you could lose as much as $500.00.500.00.‌‌‌‌‌ b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card7.9.2. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Also, if If you become aware of and/or your statement shows transactions that you did not make, notify us at once following the procedures stated in the section below sub-section captioned “Information About Your Right to Dispute ErrorsErrors and Disputes.” If you do not notify us within sixty (60) days after (i) you become aware of the transaction(s) and/or (ii) the statement was made available to you, you may not get back any of the value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking value if you had notified us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If your Card, PIN or Account number has been lost or stolenAfter receiving notice from you of such an event, we will close your Card and/or Account to keep losses down and send issue you a replacement Card new Account number.‌‌‌‌‌‌‌‌ 7.9.3. If your Account number changes, you must immediately notify your employer or any other payors or merchants. You must provide them with your new Account number to ensure that your direct deposit and/or Account number.payments activity continues uninterrupted.‌‌ 7.9.4. If you furnish your access device and grant actual authority to make transfers to someone who then exceeds that authority, you will be liable for the transfers the person makes unless we have been notified that transfers by that person are no longer authorized. If you claim a credit or refund because of a forgery, alteration, or any other unauthorized withdrawal, you agree to cooperate with us in the investigation of the loss, including giving us an affidavit containing whatever reasonable information we require concerning your Account, the transaction, and the circumstances surrounding the loss. You will notify law enforcement authorities of any criminal act related to the claim of lost, missing, or stolen checks or unauthorized withdrawals. We will have a reasonable period of time to investigate the facts and circumstances surrounding any claim of loss. Unless we have acted in bad faith, we will not be liable for any special or consequential damages, including loss of profits or opportunity, or for attorneys’ fees incurred by you. You agree that you will not waive any rights you have to recover your loss against anyone who is obligated to repay, insure, or otherwise reimburse you for your loss. You will pursue your rights or, at our option, assign them to us so that we may pursue them. Our liability will be reduced by the amount you recover or are entitled to recover from these other sources. Concerning each item you deposit with us, or which we cash for you or give other consideration, you make the following warranties to us whether Bank is the payor bank or depository bank: all necessary signatures and endorsements have been placed on the time and are genuine, the item has not been materially altered and you have good title to it, and no defense of any party to the item is good against you. If any such warranty is breached, we may deduct the amount of the item from any of your accounts or otherwise collect from you this amount plus expenses.‌‌‌‌‌‌‌‌‌‌‌‌‌‌‌‌‌‌‌‌‌‌‌

Your Liability for Unauthorized Transfers. a. Contact If you tell us at once if within two (2) Business Days after you believe discover your Card, PIN Log-in Credentials or Account number has been stolen. Telephoning is the best way other means to minimize access your possible losses. If your Card, PIN or Account number account has been lost or stolen, or someone has transferred or may transfer money from your Account without your permission, call (▇▇▇) ▇▇▇-▇▇▇▇. If you notify us within two (2) business days after you learn of any unauthorized transactions, you can lose liability is no more than $50.00 if should someone used the Card, PIN or Account number access your account without your permission. If you do not notify tell us within two (2) business days Business Days after you learn of the such loss or theft of your Cardtheft, Account number or PIN and we can prove that we could have stopped someone from using prevented the unauthorized use of your Account without password or other means to access your permission account if you had promptly notified told us, you could lose be liable for as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, . If your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Also, if you become aware of and/or your monthly financial institution statement shows transactions contains transfers that you did not makeauthorize, notify you must tell us at once following the procedures stated in the below sub-section captioned “Information About Your Right to Dispute Errors.” once. If you do not notify tell us within sixty (60) days after you become aware of the transaction(s) and/or the statement was made available sent to you, you may not get back lose any of the value you lost amount transferred without your authorization after the sixty (60) days if we can prove that we could have stopped someone from taking value if the money had you had notified told us in time. If a good reason (such as a long trip or a hospital stay) kept prevented you from telling us, we will may extend the time periodsperiod. In case of errors or questions about your transactions, you should as soon as possible notify us via one of the following: • Telephone us at (▇▇▇) ▇▇▇-▇▇▇▇ during Customer Service hours; • Contact us by using the application’s e-messaging feature; and/or, • Write us at: Stifel Bank ▇▇▇▇ ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇, ▇▇▇▇▇ ▇▇▇ ▇▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇ ▇▇▇▇▇ If you think your statement is incorrect or you need more information about a Service transaction listed on the statement, we must hear from you no later than sixty (60) days after the FIRST statement was sent to you on which the problem or error appears. You must: • Tell us your name and Service account number; • Describe the error or the transaction in question, and explain as clearly as possible why you believe it is an error or why you need more information; and, • Tell us the dollar amount of the suspected error. If you tell us verbally, we may require that you send your Cardcomplaint in writing within ten (10) Business Days after your verbal notification. We will tell you the results of our investigation within ten (10) Business Days after we hear from you, PIN and will correct any error promptly. However, if we require more time to confirm the nature of your complaint or Account number has been lost or stolenquestion, we reserve the right to take up to forty-five (45) days to complete our investigation. If we decide to do this, we will close provisionally credit your Card and/or Payment Account within ten (10) Business Days for the amount you think is in error. If we ask you to keep losses down submit your complaint or question in writing and send we do not receive it within ten (10) Business Days, we may not provisionally credit your Payment Account. If it is determined there was no error we will mail you a replacement Card and/or Account numberwritten explanation within three (3) Business Days after completion of our investigation. You may ask for copies of documents used in our investigation. The Service may revoke any provisional credit provided to you if we find an error did not occur.

Your Liability for Unauthorized Transfers. a. Contact us at once if you believe your Card, PIN or Account number Card has been lost or stolen. Telephoning is the best way to minimize your possible losses. If you believe your Card, PIN or Account number Card has been lost or stolen, or that someone has transferred or may transfer money from your Card Account without your permission, call (▇-▇▇▇) -▇▇▇-▇▇▇▇ or ▇-▇▇▇-▇▇▇-▇▇▇▇. If Under Visa Core Rules, your liability for unauthorized Visa debit transactions on your Card Account is $0.00 if you are not negligent or fraudulent in the handling of your Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us). You must notify us immediately of any unauthorized use. In the event the Visa Zero Liability Rules do not apply, if you notify us within two (2) business days after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used the Card, PIN or Account number 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, Account number or PIN Card and we can prove that we could have stopped someone from using your Account Card without your permission if you had promptly notified us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Also, if you become aware of and/or your statement shows transactions that you did not make, notify us at once following the procedures stated in the below sub-section captioned paragraph labeled “Information About Your Right to Dispute Errors.” If you do not notify us within sixty (60) days after you become aware of the transaction(s) transaction and/or after the statement was made available to you, you may not get back any of the value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the value if you had notified 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 your Card, PIN or Account number Card has been lost or stolen, we will close your Card and/or Account to keep losses down and will send you a replacement Card and/or Account numbercard. There is a fee for replacing your Card. For information about the fee, see the section labeled “Fee Schedule.”

Your Liability for Unauthorized Transfers. a. Contact us at once if you believe If your Card, PIN or Account number user ID and/or password has been stolen. Telephoning is the best way to minimize your possible losses. If your Card, PIN or Account number has been lost or stolen, or someone has transferred or may transfer money from your Account without your permission, call (▇▇▇) ▇▇▇-▇▇▇▇. If compromised and you notify tell us within two (2) business days after you learn 2 Business Days of any unauthorized transactionsdiscovering the loss or misappropriation, you can lose no more than $50.00 50 if someone used the Card, PIN or Account number your user ID and/or password without your permission. If you do not notify tell us within two (the 2) business days after you learn of the loss or theft of your Card, Account number or PIN and we can prove that we could have stopped someone from using your Account without your permission if you had promptly notified us-Business Day period, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations500 if we could have stopped the use of your accounts had we received notice in a timely manner. You must contact the Bank as soon as you identify any errors or discrepancies in your periodic statement or transaction record, your liability for unauthorized Visa debit transactions made with the Card is $0.00 or if you are not negligent need any information about a transaction listed on the periodic statement or fraudulent in transaction record. We must hear from you no later than 60 days after we have sent the handling of first statement on which the Cardunauthorized transaction, problem or error appeared. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must (If you notify us immediately of any unauthorized use. c. Alsoverbally, if you become aware of and/or your statement shows transactions we may require that you did not make, notify send us at once following the procedures stated your complaint or question in the below sub-section captioned “Information About Your Right to Dispute Errors.” writing or electronically within 10 Business Days). If you do not fail to notify us within sixty (the 60) days after you become aware of the transaction(s) and/or the statement was made available to you-day period, you may not get back recover any of the value money you lost after the sixty (60) days if we can prove establish that we the loss could have stopped someone from taking value if been avoided had you had notified us in on time. If a We may extend these time periods for good reason (such as a long trip out-of-town travel or a extended hospital staystays. MONEY MANAGEMENT & CASH BACK REWARDS OFFERS – END USER LICENSE AGREEMENT In addition to the Money Management Service and the Cash Back Rewards Offers, the terms " Money Management " and "Cash Back Rewards Offers" also include any other programs, tools, internet-based services, components and any "updates" (for example, Service maintenance, Cash Back Rewards information, help content, bug fixes, or maintenance releases, etc.) kept of Money Management or Cash Back Rewards Offers if and when they are made available to you by us or by our third party vendors. Certain Money Management and Cash Back Rewards Offers may be accompanied by, and will be subject to, additional terms and conditions. You are not licensed or permitted to do any of the following and you may not allow any third party to do any of the following: (i) access or attempt to access any other systems, programs or data that are not made available for public use; (ii) copy, reproduce, republish, upload, post, transmit, resell or distribute in any way the material from telling us, we will extend the time periods. If your Card, PIN Money Management site or Account number has been lost or stolen, we will close your Card and/or Account to keep losses down and send you a replacement Card and/or Account number.from the Cash Back Rewards Offers program;

Your Liability for Unauthorized Transfers. a. Contact us at once if you believe your Card, PIN or Account number has been stolen. Telephoning is the best way to minimize your possible losses. If your Card, PIN or Account number has been lost or stolen, or someone has transferred or may transfer money from your Account without your permission, call (▇▇▇) ▇▇▇-▇▇▇▇. If you notify us tell GHS FCU within two (2) business days Business Days after you learn of any unauthorized transactionsaccess to your account(s) and/or that your GHS FCU Internet Home Banking Account Number and Password has been lost, stolen or compromised, you can lose no more than $50.00 if someone used the Card, PIN or Account number without your permission50.00. If you do not fail to notify us GHS FCU within two (2) business days Business Days after you learn of the loss unauthorized access to your account(s) and/or that your GHS FCU Internet Home Banking Account Number and Password has been lost, stolen or theft of your Cardcompromised, Account number or PIN and we can prove that we could have stopped someone from using prevented the unauthorized access to your account(s), or use of your GHS FCU Internet Home Banking Account without your permission if Number and Password had you had promptly notified us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, . If your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent monthly statement or fraudulent in the handling of the Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa your online account detail reflect any transfers or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Also, if you become aware of and/or your statement shows transactions payments that you did not make, notify tell us at once following the procedures stated in the below sub-section captioned “Information About Your Right to Dispute Errors.” once. If you do not notify tell us within sixty (60) days after you become aware of the transaction(sfirst statement which reflected an unauthorized transfer(s) and/or the statement or payment(s) was made available mailed to you, you may not get back any of the value money you lost after the sixty (60) days if 60 days, provided that we can prove that we could have stopped someone from taking value money if you had notified told us in time. Telephone us as soon as you can if you think your statement or receipt is wrong or if you need more information about a transfer 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. Your inquiry must include: • Your name and account number • A description of the error or the transfer you are unsure about and an explanation of why you believe it is an error or why you need more information • The dollar amount of the suspected error • The date of occurrence If a good reason you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will generally tell you the results of our investigation within 10 business days of the receipt of your complaint or question (such as a long trip or a hospital stay) kept you from telling us20 business days if the transaction involved an account opened within the past 30 days). If we need more time, however, we may take up to 45 days. If we decide there was no error, we will extend the time periods. If your Card, PIN or Account number has been lost or stolen, we will close your Card and/or Account to keep losses down and send you a replacement Card and/or Account numberwritten explanation within three business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation.