Common use of Your Liability for Unauthorized Transfers Clause in Contracts

Your Liability for Unauthorized Transfers. You must tell us AT ONCE if you believe any of your account credentials or your password(s) have been compromised, or if you believe that a Transfer Transaction has been made without your permission. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your Funding Account, plus the maximum amount of your Bankoh CoverCheck or overdraft protection plans. If you tell us within 2 Business Days after you learn of the loss or theft of your password, you can lose no more than $50 if someone used your account and/or password to initiate a Transfer Transaction without your permission. If you do NOT tell us within 2 Business Days after you learn of the loss or theft of your password, and we can prove we could have stopped someone from using your password without your permission if you had told us, you could lose as much as $500. Also, if your Account statement shows a Transfer Transaction that you did not make, you must tell us at once. If you do not tell us within 60 days after the statement was mailed or delivered to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or hospital stay) kept you from telling us, we will extend the time periods. If you believe your account and/or password has been compromised, or if you believe an electronic fund transfer has been made without your permission using information from your account (account and routing number information), you must tell us immediately by telephone or in writing. See section A “How to Contact Us/Loss of your Device and/or Security Codes”.

Your Liability for Unauthorized Transfers. You must tell should notify us AT ONCE immediately if you believe any of your account credentials PIN has been lost or stolen or that someone has transferred or may transfer money from your password(s) have been compromised, Account through the Online Service or Mobile Service without your permission or if you believe that suspect any fraudulent activity. The quickest way to notify us is by telephone at ▇▇▇.▇▇▇.▇▇▇▇, toll-free at 888.366.6622 or you may also notify us by: 1) sending a Transfer Transaction has been made without your permission‘Secure Message’ through the Online Service; 2) fax to ▇▇▇.▇▇▇.▇▇▇▇, Attn: Customer Service; or 3) write us at American Bank, Attn: Customer Service, ▇▇▇▇ ▇. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your Funding Account▇▇▇▇▇▇▇▇ Street, plus the maximum amount of your Bankoh CoverCheck or overdraft protection plansAllentown, PA 18104. If you tell us within 2 two (2) Business Days after you learn of the loss discover your password or theft of other means to access your passwordAccount has been lost or stolen, you can lose your liability is no more than $50 if 50.00 should someone used access your account and/or password to initiate a Transfer Transaction without your permission. If you do NOT not tell us within 2 two (2) Business Days after you learn of the such loss or theft of your passwordtheft, and we can prove that we could have stopped someone from using prevented the unauthorized use of your password without or other means to access your permission Account if you had told us, you could lose be liable for as much as $500500.00. Also, if If your Account monthly financial institution statement shows a Transfer Transaction contains transfers that you did not makeauthorize, you must tell us at once. If you do not tell us within 60 sixty (60) days after the statement was mailed or delivered to you, you may not get back lose any money you lost amount transferred without your authorization after the 60 sixty (60) days if we can prove that we could have stopped someone from taking the money if had you had 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 periods. If you believe your account and/or password has been compromised, or if you believe an electronic fund transfer has been made without your permission using information from your account (account and routing number information), you must tell us immediately by telephone or in writing. See section A “How to Contact Us/Loss of your Device and/or Security Codes”period.

Your Liability for Unauthorized Transfers. You must tell Notify us IMMEDIATELY of unauthorized transactions. Tell us AT ONCE if you believe any of your card, password, log-in credentials, or other means to access your account credentials or your password(s) through which you access the Service have been compromisedlost, stolen, or otherwise compromised or used without your authorization or if you believe that a Transfer Transaction someone has been made without transferred or may transfer money from your permissionaccount. Telephoning Quickly telephoning us is the best way of keeping reducing your possible losses downlosses. Call us at ▇▇▇-▇▇▇-▇▇▇▇ or write to us at the address listed on our website. You could lose all acknowledge and agree that time is of the money essence in your Funding Account, plus the maximum amount of your Bankoh CoverCheck or overdraft protection planssuch situations. If you tell us within 2 two (2) Business Days after you learn of discover your password or other means to access your account through which you access the loss Service has been lost or theft of stolen, your password, you can lose liability is no more than $50 if 50.00 should someone used access your account and/or password to initiate a Transfer Transaction without your permission. If you do NOT not tell us within 2 two (2) Business Days after you learn of the such loss or theft of your passwordtheft, and we can prove that we could have stopped someone from using prevented the unauthorized use of your password without or other means to access your permission account if you had told us, you could lose be liable for as much as $500500.00. Also, tell us AT ONCE if your statement for your Eligible Transaction Account statement shows or other account used in connection with a Transfer Transaction Service contains payments that you did not make, you must tell us at onceauthorize. If you do not tell us within 60 sixty (60) days after the statement was mailed sent or delivered made available to you, you may not get back lose any money you lost amount transferred without your authorization after the 60 sixty (60) days if we can prove that we could have stopped someone from taking the money if had you had 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 periods. If you believe your account and/or password has been compromised, or if you believe an electronic fund transfer has been made without your permission using information from your account (account and routing number information), you must tell us immediately by telephone or in writing. See section A “How periods specified above to Contact Us/Loss of your Device and/or Security Codes”a reasonable period.

Your Liability for Unauthorized Transfers. You must tell Tell us AT ONCE if you believe any of your account credentials password has been lost or your password(s) have been compromisedstolen, or if you believe that a Transfer Transaction an electronic fund transfer has been made without your permissionpermission or otherwise compromised using information from your check. Telephoning is the best way of keeping your possible losses down. We will require such notification to be followed up in writing. You could lose all the money in your Funding Account, account plus the maximum amount of any available balance in your Bankoh CoverCheck or overdraft protection plansaccount, revolving line of credit and/or Discretionary Overdraft Privilege limit. If you tell us within 2 Business Days business days after you learn of the loss or theft of your password, you can lose no more than $50 if someone used your account and/or password to initiate a Transfer Transaction without your permission. If you do NOT tell us within 2 Business Days business days after you learn of the loss or theft of your password, and we can prove we could have stopped someone from using your password without your permission if you had told us, you could lose as much as $500. Also, if your Account statement shows a Transfer Transaction transfers that you did not make, you must including those made by card, password or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed or delivered otherwise made available to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will may, in our sole discretion, extend the time periods. If you believe your account and/or password has been compromised, or if you believe an electronic fund transfer has been made without your permission using information from your account (account and routing number information), you must tell us immediately by telephone or in writing. See the section A “titled "How to Contact Us/Loss " for our phone numbers and address. However, if you use Online Banking or ▇▇▇▇ Pay for business purposes, you assume all risk of loss for unauthorized transfers and payments, and you must establish your Device and/or Security Codes”own internal security procedures for employees you authorize to use Online Banking and to prevent all unauthorized use by other employees or persons.

Your Liability for Unauthorized Transfers. You must tell us CONTACT US AT ONCE if you believe any of your account credentials user ID or password has been lost, stolen, used without your password(s) have been authorization, or otherwise compromised, or if you believe that a Transfer Transaction someone has been made transferred or may transfer money from your accounts without your permission. Telephoning An immediate telephone call to us is the best way of keeping your to reduce any possible losses downlosses. You could lose all the money in your Funding Accountaccounts (plus your maximum overdraft line of credit, plus the maximum amount of your Bankoh CoverCheck or overdraft protection plansif any). If Provided you tell are a consumer user, if you contact us within 2 Business Days business days after you learn of the loss loss, theft, compromise, or theft unauthorized use of your you password, you can lose no more than $50 if someone used your account and/or password to initiate a Transfer Transaction without your permission. If you are a consumer and you do NOT tell contact us within 2 Business Days business days after you learn of the loss loss, theft, compromise, or theft unauthorized use of your password, and we can prove we could have stopped someone from using your password to access your accounts without your permission if you had told us, you could lose as much as $500. Also, if your Account periodic statement shows a Transfer Transaction transfers that you did not make, you must tell contact us at once. If you do not tell us within 60 days after the statement was mailed or delivered available to you, you may not get back any money you lost through transactions made after the 60 days day time period, even if you are a consumer, if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or hospital stay) kept you from telling contacting us, we will may extend the time periods. If you believe your account and/or password has been compromised, or if you believe an electronic fund transfer has been made without your permission using information from your account (account and routing number information), you must tell us immediately by telephone or in writing. See section A “How to Contact Us/Loss of your Device and/or Security Codes”.

Your Liability for Unauthorized Transfers. You must tell us AT ONCE if you believe any of your account credentials or your password(s) have been compromised, or if you believe that a Transfer Transaction has been made without your permission. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your Funding Account, plus the maximum amount of your Bankoh CoverCheck or overdraft protection plans. If you tell us within 2 two (2) Business Days after you learn of the loss discover your password or theft of other means to access your passwordaccount has been lost or stolen, you can lose your liability is no more than $50 if 50.00 should someone used access your account and/or password to initiate a Transfer Transaction without your permission. If you do NOT not tell us within 2 two (2) Business Days after you learn of the such loss or theft of your passwordtheft, and we can prove that we could have stopped someone from using prevented the unauthorized use of your password without or other means to access your permission account if you had told us, you could lose be liable for as much as $500500.00. Also, if If your Account monthly financial institution statement shows a Transfer Transaction contains transfers that you did not makeauthorize, you must tell us at once. If you do not tell us within 60 sixty (60) days after the statement was mailed or delivered sent to you, you may not get back lose any money you lost amount transferred without your authorization after the 60 sixty (60) days if we can prove that we could have stopped someone from taking the money if had you had 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. If you believe have asked us to make regular pre-authorized transfers out of your account and/or password has been compromised, or if you believe an electronic fund transfer has been made without your permission using information from your account (account and routing number information)account, you may stop any of these payments. To do so, call ▇▇▇-▇▇▇-▇▇▇▇ or ▇-▇▇▇-▇▇▇-▇▇▇▇. You must tell notify us immediately by telephone at least three (3) business days before the scheduled date of transfer. The Credit Union may require written confirmation within 14 days of oral notice. If we do not properly complete a transaction according to our Agreement with you, we will be responsible for completing the transaction. IN NO EVENT will Velocity Community Federal Credit Union be liable for consequential or in writingindirect losses or damages. See section A “How to Contact Us/Loss of your Device and/or Security Codes”.We will not be liable if:

Your Liability for Unauthorized Transfers. You must tell Tell us AT ONCE if you believe any of that your account credentials password has been lost or your password(s) have been compromisedstolen, or if you believe that a Transfer Transaction transfer has been made without your permission. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your Funding Accountaccount (plus your maximum overdraft line of credit). Except for transfers to or from brokerage accounts, plus the maximum amount your liability for an unauthorized transfer or a series of your Bankoh CoverCheck or overdraft protection plans. related unauthorized transfers will be determined as follows: • If you tell us within 2 two Business Days after you learn of the loss or theft of your password, you can lose no more than $50 if someone used your account and/or password to initiate a Transfer Transaction without your permission. • If you do NOT tell us within 2 two Business Days after you learn of the loss or theft of your password, and we can prove we could have stopped someone from using your password without your permission if you had told us, you could lose as much as $500. • Also, if your Account periodic statement shows a Transfer Transaction transfers that you did not make, you must including those made by using your password, tell us at once. If you do not tell us within 60 days after the statement was mailed made available or delivered transmitted to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the your money if you had 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 extend the time periods. If you believe your account and/or password has been compromisedYou may notify us in person, by telephone, by email during a secure session using the appropriate form, or in writing at: • ▇-▇▇▇-▇▇▇-▇▇▇▇ • Umpqua Bank, ▇.▇. ▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇ You can send a secure message to Umpqua Bank Online Customer Service by filling out the appropriate form accessible after signing on with your password to a secure online or mobile banking session. You should also call the number or write to the address listed above if you believe an electronic fund a transfer has been made without your permission using information from your account (account and routing number information), you must tell us immediately by telephone or in writing. See section A “How to Contact Us/Loss of your Device and/or Security Codes”permission.

Your Liability for Unauthorized Transfers. You must tell us CONTACT US AT ONCE if you believe any of your account credentials user ID or password has been lost, stolen, used without your password(s) have been authorization, or otherwise compromised, or if you believe that a Transfer Transaction someone has been made transferred or may transfer money from your accounts without your permission. Telephoning An immediate telephone call to us is the best way of keeping your to reduce any possible losses downlosses. You could lose all the money in your Funding Accountaccounts (plus your maximum overdraft line of credit, plus the maximum amount of your Bankoh CoverCheck or overdraft protection plansif any). If Provided you tell are a consumer user, if you contact us within 2 Business Days business days after you learn of the loss loss, theft, compromise, or theft unauthorized use of your password, you can lose no more than $50 if someone used your account and/or password to initiate a Transfer Transaction without your permission. If you are a consumer and you do NOT tell contact us within 2 Business Days business days after you learn of the loss loss, theft, compromise, or theft unauthorized use of your password, and we can prove we could have stopped someone from using your password to access your accounts without your permission if you had told us, you could lose as much as $500. Also, if your Account periodic statement shows a Transfer Transaction transfers that you did not make, you must tell contact us at once. If you do not tell us within 60 days after the statement was mailed or delivered available to you, you may not get back any money you lost through transactions made after the 60 days day time period, even if you are a consumer, if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or hospital stay) kept you from telling contacting us, we will may extend the time periods. If you believe your account and/or password has been compromised, or if you believe an electronic fund transfer has been made without your permission using information from your account (account and routing number information), you must tell us immediately by telephone or in writing. See section A “How to Contact Us/Loss of your Device and/or Security Codes”.

Your Liability for Unauthorized Transfers. You must tell Tell us AT ONCE if you believe any of your account credentials password has been lost or your password(s) have been compromisedstolen, or if you believe that a Transfer Transaction an electronic fund transfer has been made without your permissionpermission or otherwise compromised using information from your check. Telephoning is the best way of keeping your possible losses down. We will require such notification to be followed up in writing. You could lose all the money in your Funding Account, account plus the maximum amount of any available balance in your Bankoh CoverCheck or overdraft protection plansaccount, revolving line of credit and/or Discretionary Overdraft Privilege limit. If you tell us within 2 Business Days business days after you learn of the loss or theft of your password, you can lose no more than $50 if someone used your account and/or password to initiate a Transfer Transaction without your permission. If you do NOT tell us within 2 Business Days business days after you learn of the loss or theft of your password, and we can prove we could have stopped someone from using your password without your permission if you had told us, you could lose as much as $500. Also, if your Account statement shows a Transfer Transaction transfers that you did not make, you must including those made by card, password or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed or delivered otherwise made available to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will may, in our sole discretion, extend the time periods. If you believe your account and/or password has been compromised, or if you believe an electronic fund transfer has been made without your permission using information from your account (account and routing number information), you must tell us immediately by telephone or in writing. See the section A “titled "How to Contact Us/Loss " for our phone numbers and address. However, if you use Online Banking, Bill Pay, or Pay Other People for business purposes, you assume all risk of loss for unauthorized transfers and payments, and you must establish your Device and/or Security Codes”own internal security procedures for employees you authorize to use Online Banking and to prevent all unauthorized use by other employees or persons.