Consumer Customers. You must take reasonable care not to make a misrepresentation to the Insurer. This means that all answers you give and statements you make as part of your insurance application, including at renewal and when an amendment to your policy is required, should be honest and accurate. If you deliberately or carelessly misinform the insurers this could mean part or all of a claim may not be paid. Non Consumer Customers : Where we arrange insurance wholly or mainly for purposes related to your trade, business or profession you have a duty to make a fair presentation of the risk. This means that you must disclose every material circumstance which you or your senior management and/or anyone responsible for arranging your insuranceknows or ought to know. Alternatively, you must disclose sufficient information which will put the insurer on notice that it needs to make further enquiries. You are expected to carry out a reasonable search in order to make a fair presentation of the risk. Your duty of fair presentation applies at the start of the policy, at renewal and when any variation of the policy is arranged. If you fail to make a fair presentation, the insurer may refuse to pay your claim or reduce the settlement amount.
Consumer Customers. You represent and warrant that: (i) you will be the only user of your Login Credentials; (ii) you will not transfer or disclose to any other person the terms and conditions of this Master Agreement or your Login Credentials; (iii) you will provide true, accurate, current and complete information about yourself and any Authorized Users, as requested by us, and will not misrepresent your identity or that of any Authorized Users; and (iv) you will (A) not use the Services for any illegal purposes, (B) comply with all regulations, policies and procedures of networks through which you access and use the Services, (iii) not use the Services (or any portion of them) for any activity or use that may disrupt the Services or the networks through which you access or use the Services; and (iv) not access or attempt to access any Service or account for which you have no access or authorization, or duplicate, modify, distribute or display any of the data or files from any such Service or account.
Consumer Customers your Deposit Account Agreement outlines how errors and questions on electronic funds transfers are processed.
Consumer Customers. Tell us AT ONCE if you believe your code/password or other means of access to your Accounts used in connection with a Security Procedure has been lost or stolen, or if you believe that an electronic fund transfer, including transactions initiated through this Service, has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your accounts (plus your maximum overdraft line of credit). If you tell us within 2 business days, you can lose no more than $50 if someone used your code without your permission. (If you believe your code has been lost or stolen, and you tell us within 2 business days after you learn of the loss or theft, you can lose no more than $50 if someone used your code without your permission.) If you do NOT tell us within 2 business days after you learn of the loss or theft of your code, and we can prove we could have stopped someone from using your code without your permission if you had told us, you could lose as much as $500. Also, if your statement shows transfers that you did not make, including those made by code or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If you believe your code has been lost or stolen, call 000-000-0000 or write EFT Department at TOWNEBANK, P.O. Box 2818, Norfolk, Virginia 23501-2818. You should also call the number or write to the address listed above if you believe a transfer has been made using the information from your check without your permission.
