Common use of Consumer Liability Clause in Contracts

Consumer Liability. You will be liable for unauthorized transfers to the extent allowed by applicable law. Tell us AT ONCE if you believe your Card and/or any access code (such as your Card PIN or your User ID and/or Password for use with our e-Banking Service) 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). If you tell us within two (2) business days after you learn of the loss or theft of your Card and/or access 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 two (2) business days after you learn of the loss or theft of your Card and/or access 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. Special rule for Massachusetts residents: You can lose no more than $50, regardless of when you notify us of the loss or theft of your card and/or code. Also, if your statement shows transfers that you did not make, including those made by Card, access code or other means, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may not get back any money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.

Consumer Liability. You will be liable for unauthorized transfers to the extent allowed by applicable law. Tell us AT ONCE if you believe your Card and/or any access code (such as your Card PIN or your User ID and/or Password for use with our e-Banking Service) 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 Creditamounts advanced under an overdraft protection service). If you tell us within two (2) business days after you learn of the loss or theft of your Card and/or access 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 two (2) business days after you learn of the loss or theft of your Card and/or access 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. Special rule for Massachusetts residents: You can lose no more than $50, regardless of when you notify us of the loss or theft of your card and/or code. Also, if your statement shows transfers that you did not make, including those made by Card, access code or other means, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may not get back any money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.

Consumer Liability. You will be liable for unauthorized transfers to the extent allowed by applicable law. Tell us AT ONCE at once if you believe your Card and/or any access code (such as your Card PIN Online or your User Mobile Banking Login ID and/or Password for use with our e-Banking Service) 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 of the money in i n your account (plus your maximum Overdraft Line overdraft line of Creditcredit). If you tell us within two (2) 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 access 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 two (2) 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 access 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. Special rule for Massachusetts residents: You can lose no more than $50, regardless of when you notify us of the loss or theft of your card and/or code. Also, if your statement shows transfers that you did not make, including those made by CardOnline or Mobile Banking, access code card, code, or other means, tell us at once. If you do not tell us within sixty (60) 60 days after the statement was mailed to you, you may not get back any money you lost after the sixty (60) 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.period s. Contact in the event of unauthorized transfer 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 check without permission

Consumer Liability. You will be liable for unauthorized transfers to the extent allowed by applicable law. Tell us AT ONCE if you believe your Card and/or any access code (such as your Card PIN or your User ID and/or Password for use with our e-Banking Service) device 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 overdraft line of Creditcredit). If you believe your access device has been lost or stolen, and you tell us within two (2) 2 business days after you learn of the loss or theft, you can lose no more than $50.00 if someone used your access device 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 access 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 two (2) business days after you learn of the loss or theft of your Card and/or access code, device and we can prove we could have stopped someone from using your card and/or code access device without your permission if you had told us, you could lose as much as $500500.00. Special rule for Massachusetts residents: You can lose no more than $50, regardless of when you notify us of the loss or theft of your card and/or code. Also, Also if your statement shows transfers that you did not make, including those made by Card, access code or other means, tell us at once. If you do not tell us within sixty (60) 60 days after from the date the statement was mailed to you, you may not get back any money you lost after the sixty (60) 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. Unless you have engaged in fraud, you will not be liable for any unauthorized transactions using your lost or stolen Mastercard debit card. This additional limit on liability does not apply to ATM transactions. We may cancel, modify, or restrict the use of the ATM/Debit card upon proper notice or without notice if your account is overdrawn, if we are aware that you have violated any term of the Disclosure Agreement (whether or not we suffered a loss) or where necessary to maintain or restore the security of your account(s) or the ATM system.

Consumer Liability. You will be liable for unauthorized transfers to the extent allowed by applicable law. Tell us AT ONCE at once if you believe your Card card and/or any access code (such as your Card PIN or your User ID and/or Password for use with our e-Banking Service) has been lost or stolen, or (if your account can be accessed by check) 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 overdraft line of Creditcredit). If you tell us within two (2) 2 business days after you learn of the loss or theft of your Card card and/or access code, you can lose no more than $50 if someone used your card and/or code without your permission. If Also, if you do NOT tell us within two (2) 2 business days after you learn of the loss or theft of your Card card and/or access 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. Special rule for Massachusetts residents: You can lose no more than $50, regardless of when you notify us of the loss or theft of your card and/or code. Also, if your statement (or for a prepaid account where no statement is sent, if your electronic history or written history) shows transfers that you did not make, including those made by Cardcard, access code or other means, tell us at once. If you do not tell us within sixty (60) 60 days after the statement was mailed transmitted to youyou (or for a prepaid account where no statement is sent, 60 days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history on which the error appeared), you may not get back any money you lost after the sixty (60) 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.

Consumer Liability. You will not be liable for an unauthorized transfers use of your account through an electronic funds transfer unless we can prove that your negligence substantial- ly contributed to the extent allowed by applicable lawunauthorized use and that we exercised reasonable care to prevent the loss. Tell us AT ONCE if you believe your Card and/or any access code (such as your Card or PIN or your User ID and/or Password for use with our e-Banking Service) 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 overdraft line of Creditcredit). If you tell us within two (2) business days after you learn of the loss or theft of your card or PIN, you can lose no more than $50.00 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 and/or access 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 two (2) business days after you learn of the loss or theft of your Card and/or access codePIN, and we can prove we could have stopped someone from using your card and/or code without your permission the unauthorized transactions if you had told us, you could lose as much as $500. Special rule for Massachusetts residents: You can lose no more than $50, regardless of when you notify us of the loss or theft of your card and/or code500.00. Also, if your statement shows transfers that you did not make, including those made by Card, access code PIN or other means, tell us at once. If you do not tell us within sixty (60) 60 days after the statement was mailed to you, you may not get back any money you lost after the sixty (60) 60 days if we can prove that we could have stopped someone from taking pre- vented the money transactions 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.

Consumer Liability. You will be liable for unauthorized transfers to the extent allowed by applicable lawa) Generally. Tell us AT ONCE if you believe your Card card and/or any access code (such as your Card PIN or your User ID and/or Password for use with our e-Banking Service) has been lost or stolen, 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 overdraft line of Creditcredit). If you tell us within two (2) business days after you learn of We will be liable for all unauthorized transfers unless the unauthorized transfer was due to the loss or theft of your Card card and/or access code. If 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 50.00 if someone used your card and/or code without your permission. If you do NOT tell notify us within two (2) business 60 days after you learn of the loss or theft of unauthorized transfer appears on your Card and/or access 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 us, you could lose as much as $500. Special rule for Massachusetts residents: You can lose no more than $50, regardless us within 2 days of when you notify us of discover the loss or theft of your card and/or code, you could lose as much as $500.00 for unauthorized transfers that appear on the statement. Also, if your statement shows transfers that you did not make, including those made by Cardcard, access code or other means, tell us at once. If you do not tell us within sixty (60) 60 days after the statement was mailed to you, you may not get back any money you lost after the sixty (60) 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.

Consumer Liability. You will be liable for unauthorized transfers to the extent allowed by applicable lawGenerally. Tell tell us AT ONCE if you believe your Card card and/or any access code (such as your Card PIN or your User ID and/or Password for use with our e-Banking Service) 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 Contacting us by telephone is the best way of keeping your possible losses downminimized. You could potentially lose all of the money in your account (plus your maximum Overdraft Line of Creditadditional funds if your account has a sweep activated)). If you tell us within two (2) two business days after you learn of the loss or theft of your Card card and/or access 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 two (2) two business days after you learn of the loss or theft of your Card card and/or access 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. Special rule for Massachusetts residents: You can lose no more than $50, regardless of when you notify us of the loss or theft of your card and/or code. Also, if your statement shows transfers that you did not make, including those made by Cardcard, access code or other means, tell us at once. If you do not tell us within sixty (60) sixty days after the of your statement was mailed date, regardless of how we make your statement of account available to you, you may not get back any money you lost after the sixty (60) sixty days if we can prove that we could have stopped someone from taking the money if you had told us in time. If • Additional Limit on Liability for 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 VISA® Debit 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 Personal Identification Number which are not processed by VISA®. Visa is a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periodsregistered trademark of Visa International Service Association.

Consumer Liability. You will be liable for unauthorized transfers to the extent allowed by applicable law. Tell us AT ONCE if you believe your Card and/or any access code (such as your Card PIN or your User ID and/or Password for use with our e-Banking Service) 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)account. If you tell us within two (2) 2 business days after you learn of the loss or theft of your Card and/or access 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 two (2) 2 business days after you learn of the loss or theft of your Card and/or access 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. Special rule for Massachusetts residents: You can lose no more than $50, regardless of when you notify us of the loss or theft of your card and/or code. Also, if your statement shows transfers that you did not make, including those made by Cardcard, access code or other means, tell us at once. If you do not tell us within sixty (60) 60 days after the statement was mailed to you, you may not get back any money you lost after the sixty (60) 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. Contact in event of unauthorized transfer. If you believe your code has been lost or stolen, call: 000-000-0000 or write: Xxxxx County Bank, P.O. Box 247, Waynesboro, TN 38485. 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.

Consumer Liability. You will be liable for unauthorized transfers to the extent allowed by applicable law. Tell Contact us AT ONCE if you believe your Card and/or any the Username, password, or PIN you use to access code the Service (such as your Card PIN or your User ID and/or Password for use with our e-Banking Service“Credentials”) has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your checkpermission. Telephoning is the best way of keeping your possible losses downdown (0-000-000-0000). You could lose all of the money in your account (plus your maximum Overdraft Line overdraft line of Creditcredit). If you believe your card and/or code has been lost or stolen, tell us within two (2) 2 business days after you learn of the loss or theft of your Card and/or access code, and 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 two (2) 2 business days after you learn of the loss or theft of your Card card and/or access 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. Special rule for Massachusetts residents: You can lose no more than $50, regardless of when you notify us of the loss or theft of your card and/or code. Also, if If your statement shows transfers that you did not make, including those made by Card, access code or other means, tell us at once. If you do not tell us within sixty (60) 60 days after the statement was mailed to you, you may not get back any money you lost after the sixty (60) 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. Contact in event of unauthorized transfer. Contact us AT ONCE if you believe the Username, password, or PIN you use to access the Service (“Credentials”) has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission, call or write us at the telephone number or address listed at the end of this disclosure.

Consumer Liability. You will be liable for unauthorized transfers to the extent allowed by applicable law. Tell Contact us AT ONCE if you believe your Card and/or any the Username, password, or PIN you use to access code the Service (such as your Card PIN or your User ID and/or Password for use with our e-Banking Service“Credentials”) has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your checkpermission. Telephoning is the best way of keeping your possible losses downdown (1-800-274-4482). You could lose all of the money in your account (plus your maximum Overdraft Line overdraft line of Creditcredit). If you believe your card and/or code has been lost or stolen, tell us within two (2) 2 business days after you learn of the loss or theft of your Card and/or access code, and 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 two (2) 2 business days after you learn of the loss or theft of your Card card and/or access 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. Special rule for Massachusetts residents: You can lose no more than $50, regardless of when you notify us of the loss or theft of your card and/or code. Also, if If your statement shows transfers that you did not make, including those made by Card, access code or other means, tell us at once. If you do not tell us within sixty (60) 60 days after the statement was mailed to you, you may not get back any money you lost after the sixty (60) 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. Contact in event of unauthorized transfer. Contact us AT ONCE if you believe the Username, password, or PIN you use to access the Service (“Credentials”) has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission, call or write us at the telephone number or address listed at the end of this disclosure.

Consumer Liability. You will be liable for unauthorized transfers to the extent allowed by applicable law. Tell us AT ONCE if you believe your Card and/or any card, access code (such as your Card code, password, or PIN or your User ID and/or Password for use with our e-Banking Service) 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 overdraft line of Creditcredit). If you tell us within two (2) business days after you learn of the loss or theft of your Card and/or card, access code, or PIN, you can lose no more than $50 if someone used your card and/or code card, access code, password, or PIN 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 and/or card, access code, password, or PIN, and we can prove we could have stopped someone from using your card and/or code card, access code, password, or PIN without your permission if you had told us, you could lose as much as $500. Special rule for Massachusetts residents: You can lose no more than $50, regardless of when you notify us of the loss or theft of your card and/or code. Also, if your statement shows transfers that you did not make, including those made by Cardcard, access code or other means, tell us at once. If you do not tell us within sixty (60) 60 days after the statement was mailed to you, you may not get back any money you lost after the sixty (60) 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 card, access code, password, or PIN has been lost or stolen, call us at: 0- 000-000-0000 or write us at: Commerce Bank, P.O. Box 411635, Creve Coeur, MO 63141. 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.

Consumer Liability. You will be liable for unauthorized transfers to the extent allowed by applicable law. Tell us AT ONCE if you believe your Card and/or any access code (such as your Card PIN or your User ID and/or Password for use with our e-Banking Service) has Credentials have been lost or stolen, or if you believe that an electronic fund transfer Electronic Funds Transfer has been made without your permission using information from your checkpermission. Contact us at (000) 000-0000 and by mail at AL Advisors Management, Inc., 00 Xxxx Xxxxxx, Xxx Xxxxxxxxx, XX 00000. 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)Account. If you tell us within two (2) business days Business Days after you learn of the loss or theft of your Card and/or access codeCredentials, you can lose no more than $50 if someone used your card and/or code Credentials without your permission. If you do NOT tell us within two (2) business days Business Days after you learn of the loss or theft of your Card and/or access codeCredentials, and we can prove we could have stopped someone from using your card and/or code Credentials without your permission if you had told us, you could lose as much as $500. Special rule for Massachusetts residents: You can lose no more than $50, regardless of when you notify us of the loss or theft of your card and/or code. Also, if your statement Account Information shows transfers Electronic Funds Transfers that you did not make, including those made make or that were not authorized by Card, access code or other meansyou, tell us at once. If you do not tell us within sixty (60) days after the statement Account Information was mailed made available to you, you may not get back any money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periodsperiod for a reasonable time.

Consumer Liability. You will be liable for unauthorized transfers to the extent allowed by applicable law. Tell us AT ONCE if you believe your Card and/or any card, access code (such as your Card code, password, or PIN or your User ID and/or Password for use with our e-Banking Service) 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 overdraft line of Creditcredit). If you tell us within two (2) business days after you learn of the loss or theft of your Card and/or card, access code, or PIN, you can lose no more than $50 if someone used your card and/or code card, access code, password, or PIN 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 and/or card, access code, password, or PIN, and we can prove we could have stopped someone from using your card and/or code card, access code, password, or PIN without your permission if you had told us, you could lose as much as $500. Special rule for Massachusetts residents: You can lose no more than $50, regardless of when you notify us of the loss or theft of your card and/or code. Also, if your statement shows transfers that you did not make, including those made by Cardcard, access code or other means, tell us at once. If you do not tell us within sixty (60) 60 days after the statement was mailed to you, you may not get back any money you lost after the sixty (60) 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 card, access code, password, or PIN has been lost or stolen, call us at: 0-000-000-0000 or write us at: Commerce Bank, P.O. Box 411635, Creve Coeur, MO 63141. 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.