Common use of Consumer Liability Clause in Contracts

Consumer Liability. Generally. Tell us AT ONCE if you believe your card and/or code has been lost 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 of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within 2 business days after you learn of the loss or theft of your card and/or code, you can lose no more than $50 if someone used your card and/or code without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft of your card and/or code, and we can prove we could have stopped someone from using your card and/or 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 card, code or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. } Additional Limits on Liability for Mastercard,-branded Debit Card. You will not be liable for any unauthorized transactions using your Mastercard,-branded Debit Card if: (i) you can demonstrate that you have exercised reasonable care in safeguarding your card from the risk of loss or theft, and (ii) upon becoming aware of a loss or theft, you promptly report the loss or theft to us. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Consumer Liability.  Generally. Tell us AT ONCE if you believe think your card and/or code has been lost or stolenlost, 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 of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within 2 business days after you your learn of the loss or theft of your card and/or code, you can lose no more than $50 if someone used your card and/or code without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft of your card and/or code, and we can prove we could have stopped someone from using your card and/or code without your permission if you had have told us, you could lose as much as $50050. Also, Also if your statement shows transfers that you did not make, including those made by card, code or other means, tell us at once. If you do not dot 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. }  Additional Limits on of Liability for Mastercard,-branded MasterMoneyTM Debit Card, when used for point-of-sale transactions. You will not be liable for any unauthorized transactions using your Mastercard,-branded MasterMoneyTM Debit Card Card, when used for point-of-sale transactions if: : (i) you can demonstrate that you have exercised reasonable care in safeguarding your card from the risk of loss or theft, and (ii) upon becoming aware you have not reported to us two or more incidents of a loss unauthorized use with the prior twelve-month period, and (iii) your account is in good standing. If any of these conditions are not met, your liability is the lesser of $50 or theftthe amount of money, you promptly report property, labor or services obtained by the loss or theft unauthorized use before notification to us. Mastercard is "Unauthorized use" means the use of your MasterMoneyTM debit card by a registered trademarkperson, other than you, who does not have actual, implied, or apparent authority for such use, and the circles design is a trademark of Mastercard International Incorporatedfrom which you receive no benefit. This additional limitation on liability does not apply to PIN-based transactions or transactions not processed by MasterCard.

Consumer Liability. Generally. Tell us AT ONCE if you believe your card and/or code has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your checkcheck or draft. 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 tell us within 2 business days after you learn of the loss or theft of your card and/or code, you can lose no more than $50 if someone used your card and/or code without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft of your card and/or code, and we can prove we could have stopped someone from using your card and/or 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 card, code or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. }  Additional Limits Limit on Liability for Mastercard,-branded VISA® Debit Card. You Unless you have been negligent or have engaged in fraud, you will not be liable for any unauthorized transactions using your Mastercard,-branded lost or stolen VISA® Debit Card if: (i) you can demonstrate that you have exercised reasonable care in safeguarding Card. This additional limit on liability does not apply to ATM transactions outside of the U.S., to ATM transactions not sent over Visa or Plus networks, or to transactions using your card from the risk of loss or theft, and (ii) upon becoming aware of a loss or theft, you promptly report the loss or theft to usPersonal Identification Number which are not processed by VISA®. Mastercard Visa is a registered trademark, and the circles design is a trademark of Mastercard Visa International IncorporatedService Association.

Consumer Liability. ◆ Generally. Tell us AT ONCE if you believe your card and/or code has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your checkcheck or draft. Telephoning is the best way of keeping your possible losses down. To report a lost or stolen Visa Check Card during normal business hours, you may call 000-000-0000 or 000-000-0000. For after hours reporting, you may call 000- 000-0000. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within 2 business days after you learn of the loss or theft of your card and/or code, you can lose no more than $50 if someone used your card and/or code without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft of your card and/or code, and we can prove we could have stopped someone from using your card and/or 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 card, code or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. } ◆ Additional Limits Limit on Liability for Mastercard,-branded Debit VISA, Check Card. You Unless you have been negligent or have engaged in fraud, you will not be liable for any unauthorized transactions using your Mastercard,-branded Debit Card if: (i) you can demonstrate that you have exercised reasonable care in safeguarding lost or stolen VISA, Check Card. This additional limit on liability does not apply to ATM transactions outside of the U.S., to ATM transactions not sent over Visa or Plus networks, or to transactions using your card from the risk of loss or theft, and (ii) upon becoming aware of a loss or theft, you promptly report the loss or theft to usPersonal Identification Number which are not processed by VISA,. Mastercard Visa is a registered trademark, and the circles design is a trademark of Mastercard Visa International IncorporatedService Association.

Consumer Liability. Generally. Tell us AT ONCE if you believe your card and/or code Card or PIN has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your checkinformation. 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 tell us within 2 business days after you learn of the loss or theft of your card and/or codeCard or PIN, you can lose no more than $50 if someone used your card and/or code Card or PIN without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft of your card and/or codeCard or PIN, and we can prove we could have stopped someone from using your card and/or code Card or PIN without your permission if you had told us, you could lose as much as $500. AlsoFor unauthorized Debit Card transactions of California resident cardholders, if your statement liability will continue to be limited to $50, provided you comply with the 60 day notification period described in the following paragraph. If your transaction history shows transfers that you did not make, including those made by card, code your Card or other meansPIN, tell us at onceAT ONCE. If you do not tell us within 60 days after the statement earlier of the date you electronically accessed your Card transaction history or the date the Card transaction history was mailed made available to youyou on which the unauthorized transfer appeared, you may will not get back any money you lost receive a refund for losses 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. } Additional Limits on Liability for Mastercard,-branded Debit Card. You will not be liable for any unauthorized transactions using your Mastercard,-branded Debit Card if: (i) you can demonstrate that you have exercised reasonable care in safeguarding your card from the risk of loss or theft, and (ii) upon becoming aware of a loss or theft, you promptly report the loss or theft to us. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Consumer Liability. Generally. Tell us AT ONCE if you believe your card and/or code PIN has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your checkcheck or draft. 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 tell us within 2 business days after you learn of the loss or of theft of your card and/or codePIN, you can lose no more than $50 if someone used your card and/or code PIN without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft of your card and/or codePIN, and we can prove we could have stopped someone from using your card and/or code PIN without your permission if you had told us, you could lose as much as $500. Also, if your statement shows transfers that you did not make, including those made by card, code PIN 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. This rule does not apply if the unauthorized transfer was made using your lost or stolen card and/or PIN. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periodsperiod. } • Additional Limits Limit on Liability for Mastercard,-branded Debit VISA® Debit/ATM Card. You Unless you have been grossly negligent or have engaged in fraud, you will not be liable for any unauthorized transactions using your Mastercard,-branded Debit Card if: (i) you can demonstrate that you have exercised reasonable care in safeguarding lost or stolen VISA® Debit/ATM card. This additional limit on liability does not apply to ATM transactions, to transactions using your card from the risk of loss Personal Identification Number which are not processed by VISA®, or theft, and (ii) upon becoming aware of a loss or theft, you promptly report the loss or theft to us. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporatedcommercial cards.

Consumer Liability. Generally. Tell us AT ONCE at once if you believe your card and/or code has been lost 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 of keeping your possible losses down. You could lose all of the money in your account (plus your maximum overdraft line of credit). We will be liable for all unauthorized transfers unless the unauthorized transfer was due to the loss or theft of your card and/or code. If you tell us within 2 business days after you learn of due to the loss or theft of your card and/or code, and you notify us within 60 days of when the unauthorized transfer appears on the statement you can lose no more than $50 if someone used your card and/or code without your permission. If you do NOT tell notify us within 2 business 60 days after you learn of the loss or theft of unauthorized transfer appears on your card and/or codestatement, and we can prove that we could have stopped someone from using your card and/or code without your permission if you had told usus within 2 days of when you discover the loss or theft of your card and/or code, you could lose as much as $500500 for unauthorized transfers that appear on the statement. Also, if your statement shows transfers that you did not make, including those made by card, code or other means, tell us at once. If you do not tell us within 60 days after the 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. } Additional Limits on Liability for Mastercard,-branded Debit Card. You will not be liable for any unauthorized transactions using your Mastercard,-branded Debit Card if: (i) you can demonstrate that you have exercised reasonable care in safeguarding your card from the risk of loss or theft, and (ii) upon becoming aware of a loss or theft, you promptly report the loss or theft to us. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Consumer Liability. Generally. Tell us AT ONCE if you believe your card and/or code has been lost 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 of keeping your possible losses down. You could lose all If the money in your account (plus your maximum overdraft line of credit). If you tell us within 2 business days after you learn of the loss or theft unauthorized use of your card and/or code, you can lose no more than $50 if someone used your lost or stolen card and/or code without your permissionoccurs through no fault of yours, no liability will be imposed on you. If Otherwise, you do NOT tell us within 2 business days after you learn will be liable for the lesser of: (1) $50.00 or (2) the amount of any money, property, or services obtained by unauthorized use of the loss or theft of your card and/or code, and we can prove we could have stopped someone from using your card and/or code without your permission if before you had told us, you could lose as much as $500gave us notice. Also, if your statement shows transfers that you did not make, including those made by card, code or other means, tell us at once. If Except for electronic funds transfers made by card or other device for use at a communications facility, such as an ATM, 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 timetime and, as to transactions arising from the unauthorized use of the card and/or code, if your failure to examine your statement or tell us constitutes a lack of due diligence on your part. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periodsperiod. } • Additional Limits on Liability for Mastercard,-branded Mastercard-branded Debit Card. You will not be liable for any unauthorized transactions using your Mastercard,-branded Mastercard-branded Debit Card if: (i) you can demonstrate that you have exercised reasonable care in safeguarding your card from the risk of loss or theft, and (ii) upon becoming aware of a loss or theft, you promptly report the loss or theft to us. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Consumer Liability. Generally. Tell us AT ONCE if you believe your card and/or BFSFCU ATM or Visa Debit Card (card), your Audio Response System, ATM, or Visa® Debit Card PINs, Online Banking access codes, or any other access code has been lost lost, stolen or stolencompromised, or if you believe that an electronic fund transfer has been made without your permission using information from your checkcheck or draft, or if your account statement shows transfers that you did not authorize. 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)Overdraft Protection limit. If you tell us within 2 business days after you learn of the loss loss, theft or theft compromise of your card card, PIN, and/or codeaccess codes, you can lose no more than $50 if someone used your card card, PIN and/or code access codes without your permission. If you do NOT tell us within 2 business days after you learn of the loss loss, theft, or theft compromise of your card card, PIN and/or codeaccess codes, and we can prove we could have stopped someone from using your card card, PIN and/or code access codes without your permission if you had told us, you could lose as much as $500. Also, if If your statement shows transfers that you did not make, including those made by card, code PIN, access code, or other means, tell us at once. If you do not tell us within 60 days after the FIRST statement was mailed or 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 extend the time periods. } Additional Limits on Liability for Mastercard,-branded Debit Card. You will not be liable Account holders must regularly review their periodic statements for any unauthorized transactions using errors and if you are an Online Banking user, whenever you access Online Banking and review your Mastercard,-branded Debit Card if: (i) you can demonstrate that you have exercised reasonable care in safeguarding your card from the risk of loss or theft, and (ii) upon becoming aware of a loss or thefttransaction history, you promptly report the loss or theft to usshould review for transaction accuracy. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated(see Electronic Fund Transfers Disclosure located on XXXXXX.xxx in its entirety for more information).

Consumer Liability. Generally. Tell us You must advise UMB AT ONCE if you believe your card and/or code has Card or your password or login information for your UNIFIMONEY Dashboard (your “Credentials”) have been lost or stolen, or if you believe that an electronic fund transfer involving the Program or your Checking Account has been made without your permission using information from your check(an “Unauthorized Transfer”) by phoning UMB or notification through the UNIFIMONEY Dashboard as provided below. 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)Customer Account. If you tell us UMB within 2 business days two (2) Business Days after you learn of the loss or theft of your card and/or codeCard or your Credentials, you can lose no more than $50 if someone used your card and/or code Card or your Credentials without your permission. If you do NOT tell us advise UMB within 2 business days two (2) Business Days after you learn of the loss or theft of your card and/or codeCard or your Credentials, and we UMB can prove we it could have stopped someone from using your card and/or code Card or your Credentials without your permission if you had told usUMB, you could lose as much as $500. Also, if your statement shows Account Statements show transfers that you did not make, including those made by card, code with your Card or your Credentials or other means, tell us UMB at once. If you do not tell us UMB within 60 sixty (60) days after the statement was mailed Account Statements were made available to you, you may not get back any money you lost after the 60 days if we UMB can prove that we it could have stopped someone from taking the money if you had told us UMB in time. If a good reason (such as a long trip or a hospital stay) kept you from telling usUMB, we UMB will extend the time periods. } Additional Limits on Liability for Mastercard,-branded Debit Card. You will not be liable for any unauthorized transactions using your Mastercard,-branded Debit Card if: (i) you can demonstrate that you have exercised reasonable care in safeguarding your card from the risk of loss or theft, and (ii) upon becoming aware of a loss or theft, you promptly report the loss or theft to us. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporatedperiod.

Consumer Liability. Generally. Tell us AT ONCE if you believe your card and/or code has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your checkcheck or draft. 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 tell us within 2 business days after you learn of the loss or theft of your card and/or code, you can lose no more than $50 if someone used your card and/or code without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft of your card and/or code, and we can prove we could have stopped someone from using your card and/or 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 card, code or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. } • Additional Limits Limit on Liability for Mastercard,-branded Visa®-branded Debit Card. You Unless you have been negligent or have engaged in fraud, you will not be liable for any unauthorized transactions using your Mastercard,-branded lost or stolen Visa®-branded Debit Card if: (i) you can demonstrate that you have exercised reasonable care in safeguarding Card. This additional limit on liability does not apply to ATM transactions outside of the U.S., to ATM transactions not sent over Visa or Plus networks, or to transactions using your card from the risk of loss or theft, and (ii) upon becoming aware of a loss or theft, you promptly report the loss or theft to usPersonal Identification Number which are not processed by Visa®. Mastercard Visa is a registered trademark, and the circles design is a trademark of Mastercard Visa International IncorporatedService Association.

Consumer Liability. Generally. Tell us AT ONCE at once if you believe your card Online or Mobile Banking Login ID and/or code password has been lost lost, stolen or stolenotherwise compromised, or if you believe that an electronic fund transfer has been made without your permission using information from f rom your check. Telephoning is the best way of keeping your possible losses down. You could lose all the money in i n your account (plus your maximum overdraft line of credit). If you tell us within 2 business days after you learn of the loss loss, theft or theft compromise of your card Online or Mobile Banking Login ID and/or codepassword, you can lose no more than $50 if someone used your card Online or Mobile Banking Login ID and/or code password without your permission. If you do NOT tell us within 2 business days after you learn of the loss loss, theft or theft compromise of your card Online or Mobile Banking Login ID and/or codepassword, and we can prove we could have stopped someone from f rom using your card Online or Mobile Banking Login ID and/or code password 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 Online or Mobile Banking, card, code 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 f rom 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 f rom telling us, we will extend the time periods. } Additional Limits on Liability for Mastercard,-branded Debit Card. You will not be liable for any unauthorized transactions period s. Call or write to us if you believe: • Your card and/or code has been lost or stolen • A transfer has been made using the information f rom your Mastercard,-branded Debit Card if: (i) you can demonstrate that you have exercised reasonable care in safeguarding your card from the risk of loss or theft, and (ii) upon becoming aware of a loss or theft, you promptly report the loss or theft to us. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.check without permission

Consumer Liability. Generally. Tell us AT ONCE at once if you believe your card and/or code has been lost 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 of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within 2 two (2) business days after you learn of the loss or theft of your card and/or code, you can lose no more than $50 50.00 if someone used your card and/or and /or code without your permission. If Also, if you do NOT tell us within 2 two (2) business days after you learn of the loss or theft of your card and/or code, and we can prove we could have stopped someone from using your card and/or code without your permission if you had told us, you could lose as much as $500500.00. Also, if your statement shows transfers that you did not make, including those made by card, code or other means, tell us at once. If you do not tell us within 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 periodsperiod. } Additional Limits on Liability for Mastercard,-branded Debit Card.  You will not be liable for any unauthorized transactions using your Mastercard,-branded Debit Card if: (i) you can demonstrate that you have exercised reasonable care in safeguarding your card from the risk of loss or theft;  You have not reported to us two or more incidents of unauthorized use within the prior twelve- month period; and  Your account is in good standing. If any of these conditions are not met, and (ii) upon becoming aware your liability is the lesser of a loss $50.00 or theftthe amount of money, you promptly report property, labor, or services obtained by the loss or theft unauthorized use before notification to us. Mastercard “Unauthorized use” means the use of your debit card by a person, other than you, who does not have actual, implied, or apparent authority for such use, and from which you receive no benefit. This additional limit on liability does not apply to ATM transactions or to transactions using your Personal Identification Number which are not processed by MasterCard. MasterCard is a registered trademark, and the circles design is a trademark of Mastercard MasterCard International Incorporated.

Consumer Liability. Generally. Tell us AT ONCE if you believe your card and/or code has been lost 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 of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within 2 business days after you learn of the loss or theft of your card and/or code, you can lose no more than $50 if someone used your card and/or code without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft of your card and/or code, and we can prove we could have stopped someone from using your card and/or 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 card, code or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. } • Additional Limits Limit on Liability for Mastercard,-branded Debit Visa® Check Card. You Unless you have been grossly negligent or have engaged in fraud, you will not be liable for any unauthorized transactions using your Mastercard,-branded Debit Card if: (i) you can demonstrate that you have exercised reasonable care in safeguarding lost or stolen Visa® Check Card. This additional limit on liability does not apply to ATM transactions or to transactions using your card from Personal Identification Number which are not sent over the risk of loss VISA® or theft, and (ii) upon becoming aware of a loss or theft, you promptly report the loss or theft to us. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International IncorporatedPlus Networks.

Consumer Liability. Generally. Consumer Liability (Tell us Us AT ONCE if you believe your card and/or code or pin has been lost 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 of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us Us within 2 business days after you learn of the loss or theft of your card and/or codeor pin, you can lose no more than $50 if someone used your card and/or code or pin without your permission. ) If you do NOT tell us Us within 2 business days after you learn of the loss or theft of your card and/or codeor pin, and we We can prove we We could have stopped someone from using your card and/or code or pin without your permission if you had told usUs, you could lose as much as $500. Also, if your statement shows transfers that you did not make, including those made by card, code pin or other means, tell us Us at once. If you do not tell us 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 We can prove that we We could have stopped someone from taking the money if you had told us Us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling usUs, we We will extend the time periods. } Additional Limits Contact in the event of unauthorized transfer. If you believe Your card or pin has been lost or stolen, call 1-800- 000-0000 or 0-000-000-0000 or write: First Bank Operations Center, X.X. Xxx 0000, Xxxxxxxxx, Xxxxxx 00000. You should also call the number or write the address listed above if you believe a transfer has been made using the information from your check without your permission. Business days. For purposed of these disclosures, Our business days are Monday through Friday. Holidays are not included. Transfer types and limitations (1) Account access. You may use your card or pin to • Withdraw cash from your checking or savings account. • Make deposits to your checking or savings accounts • Transfer funds between your checking and savings accounts whenever you request. • Pay for purchases at places that have agreed to accept the card or pin. • Pay bills directly by telephone from your checking or savings account in the amounts and on Liability the days you request. Some of these services may not be available at all terminals. Electronic check conversion. You may authorize a merchant or other payee to make a one-time electronic payment from your checking account using information from your check to: • Pay for Mastercard,-branded Debit Cardpurchases • Pay bills. Limitations on frequency of transfers. For security reasons, We may make limits on the number of transfers you can make using Our terminals, telephone xxxx-payment service and point-of-sale transfer service. You will be given prior written notice if We decide to set more limits. Limitations on dollar and amounts of transfers. • You may withdraw up to $315.00 from Our ATM terminals each day you use the card or pin. This limit does not apply to POS signature, or pin transactions done at a store. • You may buy up to $5,000 worth of goods or services each day you use the card or pin in Our point-of-sale transfer service. Per Transfer Charge. We will charge you $0 for each transfer you make using Our automated teller machines telephone xxxx-payment service or point-of-sale service. Currency Conversion/Foreign Transaction Fee.Purchases, cash advances, PIN-based and POS transactions made in foreign countries will be liable billed to you in U.S. dollars. The currency conversion rate for international transactions as established by VISA International, Inc. is a rate selected by VISA from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate VISA itself receives, or the government-mandated rate in effect for the applicable central processing date. In addition, you will be charged a Foreign Transaction Fee of 2% of the transaction amount for any unauthorized transactions using your Mastercard,-branded Debit Card if: (i) you can demonstrate that you have exercised reasonable care card transaction made in safeguarding your card from the risk of loss or theft, and (ii) upon becoming aware of a loss or theft, you promptly report the loss or theft to us. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporatedforeign country.

Consumer Liability. Generally. Tell us AT ONCE if you believe your card and/or code has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your checkcheck or draft. 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 tell us within 2 business days after you learn of the loss or theft of your card and/or code, you can lose no more than $50 if someone used your card and/or code without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft of your card and/or code, and we can prove we could have stopped someone from using your card and/or 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 card, code or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. } • Additional Limits Limit on Liability for Mastercard,-branded VISA® Debit Card. You Unless you have been negligent or have engaged in fraud, you will not be liable for any unauthorized transactions using your Mastercard,-branded lost or stolen VISA® Debit Card if: (i) you can demonstrate that you have exercised reasonable care in safeguarding Card. This additional limit on liability does not apply to ATM transactions or to transactions using your card from the risk of loss or theftPersonal Identification Number, and (ii) upon becoming aware of a loss or theft, you promptly report the loss or theft to us. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporatedwhich are not processed by VISA®.

Consumer Liability. Generally. Tell us AT ONCE at once if you believe your card and/or code has been lost 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 of keeping your possible losses down. You could lose all of the money in your account (plus your maximum overdraft line of credit). We will be liable for all unauthorized transfers unless the unauthorized transfer was due to the loss or theft of your card and/or code. If you tell us within 2 business days after you learn of due to the loss or theft of your card and/or code, and you notify us within 60 days of when the unauthorized transfer appears on the statement you can lose no more than $50 if someone used your card and/or code without your permission. If you do NOT tell notify us within 2 business 60 days after you learn of the loss or theft of unauthorized transfer appears on your card and/or codestatement, and we can prove that we could have stopped someone from using your card and/or code without your permission if you had told usus within 2 days of when you discover the loss or theft of your card and/or code, you could lose as much as $500500 for unauthorized transfers that appear on the statement. Also, if your statement shows transfers that you did not make, including those made by card, code or other means, tell us at once. If you do not tell us within 60 days after the 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. } • Additional Limits on Liability for Mastercard,-branded Mastercard-branded Debit Card. You will not be liable for any unauthorized transactions using your Mastercard,-branded Mastercard-branded Debit Card if: (i) you can demonstrate that you have exercised reasonable care in safeguarding your card from the risk of loss or theft, and (ii) upon becoming aware of a loss or theft, you promptly report the loss or theft to us. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Consumer Liability. Generally. Tell us AT ONCE if you believe your card and/or code has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your checkcheck or draft. 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 tell us within 2 business days after you learn of the loss or theft of your card and/or code, you can lose no more than $50 if someone used your card and/or code without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft of your card and/or code, and we can prove we could have stopped someone from using your card and/or 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 card, code or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. } · Additional Limits Limit on Liability for Mastercard,-branded Debit Carddebit card. You Unless you have been grossly negligent or have engaged in fraud, you will not be liable for any unauthorized transactions using your Mastercard,-branded Debit Card if: (i) you can demonstrate that you have exercised reasonable care in safeguarding lost or stolen debit card. This addi- tional limit on liability does not apply to ATM transactions or to transactions using your card from the risk of loss or theft, and (ii) upon becoming aware of a loss or theft, you promptly report the loss or theft to us. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International IncorporatedPersonal Identification Number which are not processed by MASTERCARD.

Consumer Liability. Generally. Tell us AT ONCE if you believe your card and/or BFSFCU Online Banking access codes, or any other access code has been lost lost, stolen or stolencompromised, or if you believe that an electronic fund transfer has been made without your permission using information from your checkcheck or draft, or if your account statement shows transfers that you did not authorize. 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)Overdraft Protection limit. If you tell us within 2 business days after you learn of the loss loss, theft or theft compromise of your card PIN, and/or codeaccess codes, you can lose no more than $50 if someone used your card card, PIN and/or code access codes without your permission. If you do NOT tell us within 2 business days after you learn of the loss loss, theft, or theft compromise of your card PIN and/or codeaccess codes, and we can prove we could have stopped someone from using your card your, PIN and/or code access codes without your permission if you had told us, you could lose as much as $500. Also, if If your statement shows transfers that you did not make, including those made by cardPIN, code access code, or other means, tell us at once. If you do not tell us within 60 days after the FIRST statement was mailed or 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 extend the time periods. } Additional Limits on Liability for Mastercard,-branded Debit Card. You will not be liable Account holders must regularly review their periodic statements for any unauthorized transactions using errors and if you are an Online Banking user, whenever you access Online Banking and review your Mastercard,-branded Debit Card if: (i) you can demonstrate that you have exercised reasonable care in safeguarding your card from the risk of loss or theft, and (ii) upon becoming aware of a loss or thefttransaction history, you promptly report the loss or theft to usshould review for transaction accuracy. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated(see Electronic Fund Transfers Disclosure located on XXXXXX.xxx in its entirety for more information).