Common use of Consumer Liability Clause in Contracts

Consumer Liability. The Customers are responsible for any EFT transaction that the Customers make with their card and PIN. The Customer are also responsible for any EFT transaction made by someone else to whom the Customer has given their card or PIN. Tell us AT ONCE if you believe your card or PIN has been 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). Also, if your monthly statement shows EFT transactions made with your card and PIN that you did not make (or give someone permission to make for you), tell us AT ONCE. If you tell us within two (2) business days after learning that your card or PIN have been lost or stolen, the liability shall not exceed the lessor of $50 or the amount of unauthorized transfers. If the consumer exceeds the two (2) business day limit, the Customers liability still will not exceed $500. If you do not notify us within sixty (60) days after we mail your statement covering the period in which an unauthorized transfer was made, you may be liable for up to the entire amount of any loss. If Xxxx would have been able to have prevented a loss if you had notified Helm prior to the expiration of such sixty (60) day period, you will be liable for all such losses. Helm may, in its sole discretion, extend this time limit if we determine, in our sole discretion, that such a delay was for a good reason (such as a hospital stay). Additional limits on liability for VISA Debit Card. Unless the Customer has been grossly negligent or have engaged in fraud, the Customer will not be liable for any unauthorized transactions using their lost or stolen Visa card. This additional limit on liability does not apply to ATM transactions or to transactions using the Customers Personal Identification Number which are not processed by Visa. Visa is a registered trademark of Visa International Service Association. Contact in Event of Unauthorized Transfer. If you believe your card and PIN has been lost or stolen or that someone has or may use them to withdraw money from your deposit Account without your permission, telephone the number or write to the address listed in this brochure, located under the Error Resolution Procedures For Electronic Transfer.

Consumer Liability. The Customers are responsible for any EFT transaction that the Customers make with their card and PIN. The Customer are also responsible for any EFT transaction made by someone else to whom the Customer has given their card or PIN. Tell us AT ONCE at once if you believe your card Debit Card or PIN or Internet banking access 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). Also, if your monthly statement shows EFT transactions made with your card and PIN that you did not make (or give someone permission to make for you), tell us AT ONCE. If you tell us within two (2) business days after learning that you learn of the loss or theft of your card Debit Card or PIN, you can lose no more than fifty dollars ($50) if someone used your Debit Card or PIN have been lost or stolen, the liability shall not exceed the lessor of $50 or the amount of unauthorized transferswithout your permission. If the consumer exceeds the you do not tell us within two (2) business day limitdays after you learn of the loss or theft of your Debit Card or PIN and we can prove we could have stopped someone from using your Debit Card or PIN without your permission if you had given us notice, the Customers liability still will not exceed you can lose as much as five hundred dollars ($500). If your statement shows transfers you did not make, including those made by card, code, or other means, tell us at once. If you do not notify tell us within sixty (60) days after we mail your the statement covering the period in which an unauthorized transfer was madetransmitted to you, you may be liable for up to not receive back any money you lost after the entire amount of any loss. If Xxxx would have been able to have prevented a loss if you had notified Helm prior to the expiration of such sixty (60) day perioddays, and therefore, you will be liable for could lose all such losses. Helm maythe money in your account (plus your maximum overdraft line of credit, in its sole discretionif applicable), extend this time limit if we determine, can prove that we could have stopped someone from taking the money had you given us notice in our sole discretion, that such a delay was for time. If a good reason (such as a long trip or hospital stay)) keeps you from giving the notice, we will extend the time periods. Additional limits CONSUMER LIABILITY FOR UNAUTHORIZED TRANSACTIONS INVOLVING CASH AND CHECK DEBIT CARD, HSA DEBIT CARD, OR BUSINESS DEBIT CARD The limitations on your liability for VISA unauthorized transactions described above generally apply to all electronic fund transfers. However, different limitations apply to certain transactions involving your card with the Visa® Logo. These limits apply to unauthorized transactions processed on the Visa® Network. If you notify us about an unauthorized transaction involving your Cash and Check Debit Card, HSA Debit Card, or Business Debit Card, and the unauthorized transaction took place on the Visa® Network, zero liability will be imposed on you for the unauthorized transaction. We may increase the limit of your liability for such unauthorized transactions if we reasonably determine, based on substantial evidence, that you were grossly negligent or fraudulent in the handling of your account or your Cash and Check Debit Card, HSA Debit Card, or Business Debit Card. Unless the Customer has been grossly negligent or have engaged in fraud, the Customer will not be liable for any unauthorized transactions using their lost or stolen Visa card. This additional limit on The zero liability does provisions do not apply to ATM PIN-based or PIN-less debit transactions or to transactions using the Customers Personal Identification Number which are not processed by the Visa® Network, including ATM transactions. Visa is a registered trademark of Visa International Service Association. Contact in Event of Unauthorized Transfer. If you believe Your liability for unauthorized transactions with your card Cash and PIN has been lost Check Debit Card, HSA Debit Card, or stolen Business Debit Card that involve PIN-based or that someone has or may use them to withdraw money from your deposit Account without your permissionPIN-less debit transactions not processed by the Visa® Network, telephone the number or write to the address listed in this brochureincluding ATM transactions, located are described under the Error Resolution Procedures For Electronic Transfer“Consumer Liability” above.

Consumer Liability. The Customers are responsible for any EFT transaction that the Customers make with their card and PIN. The Customer are also responsible for any EFT transaction made by someone else You agree to whom the Customer has given their card or PIN. Tell notify us AT ONCE if you believe your card or PIN password 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 us at 000- 000-0000 promptly is the best way of keeping your to protect yourself from possible losses downlosses. You If you never tell us, you could lose all of the money in your Account account (plus your maximum overdraft line of creditcredit or Overdraft Privilege). AlsoHowever, if you tell us within 2 business days that someone used your monthly password without your permission, you can lose no more than $50. 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. You can see a complete statement of all your POPMoney transfers completed or pending at any time by clicking on the Activity tab. If your statement shows EFT transactions made with your card and PIN transfers that you did not make (or give someone permission to make for you)make, tell notify us AT ONCE. If you do not tell us within two (2) 60 days after the transfer was posted to your statement, 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. Business Days The Service will process requests for transfers on business days after learning that until 5 p.m. EST. Our business days are Monday through Friday. Holidays and Bank Holidays are not included. TRANSFER TYPES AND LIMITATIONS You may access POPMoney within the Service to transfer funds from one of your card Accounts to an account of a Recipient. You may send POPMoney to a Recipient via a text message to their mobile telephone number or PIN have been lost an email message to their email address, or stolenby providing us with the recipient’s account number and bank routing number. POPMoney transfers are limited to an aggregate of $2,000 for next day delivery and $5,000 for standard delivery. This means $2,000/$5,000 (next day/standard delivery) in total for outstanding outbound and incoming POPMoney transfers relating to all of your accounts. You may make up to $5,000/$15,000 (next day/standard delivery) in POPMoney transfers (outbound payments to others or receipt of incoming funds to your account from others) within a rolling 30-day period. We may from time to time for security and risk management reasons modify the limit, the liability shall not exceed frequency and the lessor of $50 or the dollar amount of unauthorized transferstransfers you can make using our Service. We reserve the right to change from time to time the dollar amount of POPMoney transfers you are permitted to make using our Service. Additionally, there are limits to the number of transfers you can make from your Tidemark FCU savings account. Please refer to your copy of the account disclosures provided to you when you opened your account. Generally, POPMoney transfers are completed within 3 business days. If the consumer exceeds POPMoney transfer is initiated by sending an email or mobile phone text message to the two (2) Recipient, the Recipient must respond by providing their bank routing number and checking account number to the Service within 10 business days. If the Recipient fails to respond timely with the required information, the POPMoney transfer will be cancelled/voided. You may make one-time POPMoney transfers to Recipients or you may establish recurring/scheduled transfers to a Recipient. You may cancel a recurring POPMoney transfer until 5 p.m. EST on the business day limit, the Customers liability still will not exceed $500transfer is scheduled to be made by accessing POPMoney in our Online Banking website. If you do not notify need to stop a POPMoney transfer after it is sent, please contact us within sixty at 000-000-0000 and we will attempt to retrieve it for you. However, we may be unable to stop the payment. Without limiting the foregoing, in the event that your use of the POPMoney Service has been suspended and reinstated as provided herein (60) days after we mail your statement covering the period in which an unauthorized transfer was madesee "Suspension and Reinstatement of POPMoney Service" below), you understand and agree that your use of the Service thereafter may be liable for up subject to lower dollar amount limitations than would otherwise be permitted by us. REJECTION OF TRANSFERS We reserve the entire amount of right to decline to effect/complete any loss. If Xxxx would have been able POPMoney transfer, to have prevented a loss if you had notified Helm prior to the expiration of such sixty (60) day periodsubmit funds transfer instructions or orders, you will be liable for all such losses. Helm may, in its sole discretion, extend this time limit if we determine, in our sole discretion, that such a delay was for a good reason (such as a hospital stay). Additional limits on liability for VISA Debit Card. Unless the Customer has been grossly negligent or have engaged in fraud, the Customer will not be liable for any unauthorized transactions using their lost or stolen Visa card. This additional limit on liability does not apply to ATM transactions or to transactions using the Customers Personal Identification Number which are not processed by Visa. Visa is a registered trademark of Visa International Service Association. Contact in Event of Unauthorized Transfer. If you believe your card and PIN has been lost carry out any change or stolen or that someone has or may use them to withdraw money from your deposit Account without your permission, telephone the number or write to the address listed in this brochure, located under the Error Resolution Procedures For Electronic Transfercancellation requests.

Consumer Liability. The Customers You are responsible for all transactions you authorize using your EFT services under this Agreement. If you permit someone else to use an EFT service, your card or your access code, you are responsible for any EFT transaction that the Customers make with their card and PINtransactions they authorize or conduct on any of your accounts. The Customer are also responsible for any EFT transaction made by someone else to whom the Customer has given their card or PIN. Tell us TELL US AT ONCE if you believe your card or PIN access code has been lost or stolen, if you believe someone has used your card or access code or otherwise accessed your accounts without your authority, 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 account (plus your maximum overdraft line of line-of-credit). Also, if your monthly statement shows EFT transactions If a transaction was made with your card or card number without your permission and PIN that was a Visa transaction, you did not make (will have no liability for the transaction, unless you were fraudulent or give someone permission to make negligent in the handling of your account or card. For all other EFT transactions involving your card or access code, including if you were negligent in the handling of your account or card, your liability for you), tell us AT ONCEan unauthorized transaction is determined as follows. If you tell us within two (2) business days after learning that you learn of the loss or theft of your card or PIN have been lost access code, you can lose no more than $50.00 if someone used your card or stolen, the liability shall not exceed the lessor of $50 or the amount of unauthorized transfersaccess code without your permission. If the consumer exceeds the you do NOT tell us within two (2) business day limitdays after you learn of the loss or theft of your card or access code and we can prove we could have stopped someone from using your card or access code without your permission if you had told us, the Customers liability still will you could lose as much as $500.00. Also, if your statement shows transfers that you did not exceed $500make including those made by card, access code or other means, TELL US AT ONCE. If you do not notify tell us within sixty (60) 60 days after we mail your the statement covering the period in which an unauthorized transfer was mademailed to you, you may be liable for up to not get back any money lost after the entire amount of any loss. If Xxxx would 60 days if we can prove that we could have been able to have prevented a loss stopped someone from making the transfers if you had notified Helm prior to the expiration of such sixty (60) day period, you will be liable for all such lossestold us in time. Helm may, in its sole discretion, extend this time limit if we determine, in our sole discretion, that such a delay was for If a good reason (such as a hospital stay). Additional limits on liability for VISA Debit Card. Unless ) kept you from telling us, we will extend the Customer has been grossly negligent or have engaged in fraud, the Customer will not be liable for any unauthorized transactions using their lost or stolen Visa card. This additional limit on liability does not apply to ATM transactions or to transactions using the Customers Personal Identification Number which are not processed by Visa. Visa is a registered trademark of Visa International Service Association. Contact in Event of Unauthorized Transfertime periods. If you believe your card and PIN or access code has been lost or stolen or that someone has transferred or may use them to withdraw transfer money from your deposit Account accounts without your permission, telephone call: During Business Hours: (000) 000-0000 xxx.0000 After Business Hours: U.S. (000) 000-0000 Outside U.S. (000) 000-0000 or write to: Zeal Credit Union PO Box 51700 Livonia, MI 00000-0000 Fax: (000) 000-0000 You should also call the number or write to the address listed in this brochure, located under above if you believe a transfer has been made using the Error Resolution Procedures For Electronic Transferinformation from your check without your permission.

Consumer Liability. The Customers are responsible for any EFT transaction that the Customers make with their card and PIN. The Customer are also responsible for any EFT transaction made by someone else to whom the Customer has given their card or PINGenerally. Tell us AT ONCE if you believe your card BFSFCU ATM or PIN Visa Debit Card (card), your ARS, ATM, or Visa Debit Card PINs, Online Banking or Mobile Banking access codes, or any other access code has been stolenlost, stolen or compromised, or if you believe that an electronic fund transfer has been made without your permission using information infor- mation from your check, 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 (account plus your maximum overdraft line of credit). Also, if your monthly statement shows EFT transactions made with your card and PIN that you did not make (or give someone permission to make for you), tell us AT ONCEOverdraft Protection limit. If you tell us within two (2) 2 business days after learning that you learn of the loss, theft or compromise of your card or PIN have been lost or stolencard, the liability shall not exceed the lessor of PIN, and/or access codes, you can lose no more than $50 or the amount of unauthorized transfersif someone used your card, PIN and/or access codes without your permission. If you do NOT tell us within 2 business days after you learn of the consumer exceeds the two (2) business day limitloss, the Customers liability still will not exceed theft, or compromise of your card, PIN and/or access codes, and we can prove we could have stopped someone from using your card, PIN and/or access codes without your permission if you had told us, you could lose as much as $500. If your statement shows transfers that you did not make, includ- ing those made by card, PIN or other means, tell us at once. If you do not notify tell us within sixty (60) 60 days after we mail your the FIRST statement covering the period in which an unauthorized transfer was mademailed or made available to you, you may be liable for up to not get back any money you lost after the entire amount of any loss. If Xxxx would 60 days if we can prove that we could have been able to have prevented a loss stopped someone from taking the money if you had notified Helm prior to the expiration of such sixty (60) day period, you will be liable for all such lossestold us in time. Helm may, in its sole discretion, extend this time limit if we determine, in our sole discretion, that such a delay was for If a good reason (such as a long trip or hospital stay)) kept you from telling us, we may extend the time periods. Account holders must regularly review their monthly statements for any errors and if you are an Online Banking user, whenever you access Online Banking and review your transaction history, or when you access Mobile Banking and review Alerts regard- ing your accounts, you should review for transaction accuracy. Additional limits Limit on liability Liability for VISA BFSFCU Visa Debit Card. —Unless the Customer has you have been grossly negligent or have engaged in fraud, the Customer you will not be liable for any unauthorized transactions using their your lost or stolen BFSFCU Visa cardDebit Card. This additional limit on liability does not apply to ATM transactions transac- tions or to transactions using the Customers Personal Identification Number your personal identification num- ber which are not processed by Visa. Visa is a registered trademark of Visa International Service Association. Contact in Event of Unauthorized Transfer. If —CALL 000 000 0000 OR WRITE TO US AT THE ADDRESS FOUND AT THE END OF THIS DISCLOSURE: • if you believe your card and PIN card, PIN, or access codes have been lost, stolen or compromised, and/or • if you believe a transaction has been lost or stolen or that someone has or may use them to withdraw money made using the informa- tion from your deposit Account check without your permission, telephone the number or write to the address listed in this brochure, located under the Error Resolution Procedures For Electronic Transfer.

Consumer Liability. The Customers are responsible for any EFT transaction that the Customers make with their card and PIN. The Customer are also responsible for any EFT transaction made by someone else to whom the Customer has given their card or PIN. Generally Tell us AT ONCE at once if you believe your ATM/check card or and/or PIN has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using the 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 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 PIN. If due to the loss or theft of your card and/or PIN, 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 PIN without permission. If you do NOT notify us within 60 days after the unauthorized transfer appears on your statement, and we prove that we could have stopped someone from using your card and/or PIN without your permission if you had told us within 2 days of when you discover the loss or theft of your card and/or PIN, you could lose as much as $500 for unauthorized transfers that appear on the statement. Also, if your monthly statement shows EFT transactions made with your card and PIN transfers that you did not make (make, including those made by card, PIN or give someone permission to make for you)other means, tell us AT ONCE. If you tell us within two (2) business days after learning that your card or PIN have been lost or stolen, the liability shall not exceed the lessor of $50 or the amount of unauthorized transfers. If the consumer exceeds the two (2) business day limit, the Customers liability still will not exceed $500at once. If you do not notify tell us within sixty (60) 60 days after we mail your the statement covering the period in which an unauthorized transfer was mademailed to you, you may be liable for up to not get back any money you lost after the entire amount of any loss. If Xxxx would 60 days if we prove that we could have been able to have prevented a loss stopped someone from taking the money if you had notified Helm prior to the expiration of such sixty (60) day period, you will be liable for all such lossestold us in time. Helm may, in its sole discretion, extend this time limit if we determine, in our sole discretion, that such a delay was for 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 Limits on liability Liability for VISA Debit The Bank Cash & Check Card. Unless the Customer has been grossly negligent or have engaged in fraud, the Customer You will not be liable for any unauthorized transactions using their lost your The Bank Cash and Check Card if: (i) you can demonstrate that you have exercised reasonable care in safeguarding your card from the risk of loss or stolen Visa cardtheft, and (ii) upon becoming aware of a loss or theft, you promptly report the loss or theft to us. This additional limit on liability does not apply to ATM transactions or to transactions using the Customers Personal Identification Number which are not processed by Visa. Visa Mastercard is a registered trademark, and the circles design is a trademark of Visa Mastercard International Service Association. Contact in Event of Unauthorized Transfer. If you believe your card and PIN has been lost or stolen or that someone has or may use them to withdraw money from your deposit Account without your permission, telephone the number or write to the address listed in this brochure, located under the Error Resolution Procedures For Electronic TransferIncorporated.

Consumer Liability. The Customers are responsible for any EFT transaction that the Customers make with their card and PIN. The Customer are also responsible for any EFT transaction made by someone else to whom the Customer has given their card or PINGenerally. Tell us AT ONCE if you believe your card BFSFCU Visa Debit Card (card), your Audio Response System, or PIN Visa® Debit Card PINs, Digital Banking access codes, or any other access code has been stolenlost, stolen or compromised, or if you believe that an electronic fund transfer has been made without your permission using information from your check, 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 (account plus your maximum overdraft line available Line of credit). Also, if your monthly statement shows EFT transactions made with your card and PIN that you did not make (or give someone permission to make for you), tell us AT ONCECredit limit. If you tell us within two (2) 2 business days after learning that you learn of the loss, theft or compromise of your card or PIN have been lost or stolencard, the liability shall not exceed the lessor of PIN, and/or access codes, you can lose no more than $50 or the amount of unauthorized transfersif someone used your card, PIN and/or access codes without your permission. If you do NOT tell us within 2 business days after you learn of the consumer exceeds the two (2) business day limitloss, the Customers liability still will not exceed theft, or compromise of your card, PIN and/or access codes, and we can prove we could have stopped someone from using your card, PIN and/or access codes without your permission if you had told us, you could lose as much as $500. If your statement shows transfers that you did not make, including those made by card, PIN, access code, or other means, tell us at once. If you do not notify tell us within sixty (60) 60 days after we mail your the FIRST statement covering the period in which an unauthorized transfer was mademailed or made available to you, you may be liable for up to not get back any money you lost after the entire amount of any loss. If Xxxx would 60 days if we can prove that we could have been able to have prevented a loss stopped someone from taking the money if you had notified Helm prior to the expiration of such sixty (60) day period, you will be liable for all such lossestold us in time. Helm may, in its sole discretion, extend this time limit if we determine, in our sole discretion, that such a delay was for If a good reason (such as a long trip or hospital stay) kept you from telling us, we may extend the time periods. If you furnish your BFSFCU Debit Card, your ARS or Visa Debit Card PINs, Digital Banking access codes, or any other access codes, and you authorize another person (such as a family member or co-worker) who exceeds the authority given, you are fully liable for the transfers unless you have provided us with prior notification that transfers by that person, whether for a specified purpose or any purpose, are no longer authorized. Account holders must regularly review their periodic statements for any errors and if you are an Digital Banking user, whenever you access Digital Banking and review your transaction history, or when you review Alerts regarding your accounts, you should review your transactions for accuracy. (See Electronic Fund Transfers Disclosure located on XXXXXX.xxx in its entirety for more information). Additional limits Limit on liability Liability for VISA BFSFCU Visa Debit Card. Card - Unless the Customer has you have been grossly negligent or have engaged in fraud, the Customer you will not be liable for any unauthorized transactions using their your lost or stolen BFSFCU Visa cardDebit Card. This additional limit on liability does not apply to ATM transactions or to transactions using the Customers Personal Identification Number your personal identification number which are not processed by Visa. Visa is a registered trademark of Visa International Service Association. Contact in Event of Unauthorized Transfer. If Transfer - CALL US AT 000-000-0000 OR 0-000-000-0000, SEND US A SECURE MESSAGE VIA DIGITAL BANKING, OR WRITE TO US AT: Attention: Member Relations Bank-Fund Staff Federal Credit Union 0000 X Xx, XX, Xxxxx 000 Washington, DC 20006-2406 USA  if you believe your card and PIN card, PIN, or access codes have been lost, stolen or compromised, and/or  if you believe a transaction has been lost or stolen or that someone has or may use them to withdraw money made using the information from your deposit Account checking account without your permission, telephone the number or write to the address listed in this brochure, located under the Error Resolution Procedures For Electronic Transfer.

Consumer Liability. The Customers are responsible for any EFT transaction that the Customers make with their card and PIN. The Customer are also responsible for any EFT transaction made by someone else to whom the Customer has given their card or PIN. Tell us AT ONCE if you believe your debit card or PIN or internet banking access code has been stolen, 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 limiting your possible losses down. You could lose all the money in your Account (plus your maximum overdraft line of credit). Also, if your monthly statement shows EFT transactions made with your card and PIN that you did not make (or give someone permission to make for you), tell us AT ONCElosses. If you tell us within two (2) business days after learning that you learn of the loss or theft of your debit card or PIN, you can lose no more than fifty dollars ($50) if someone used your debit card or PIN have been lost or stolen, the liability shall not exceed the lessor of $50 or the amount of unauthorized transferswithout your permission. If the consumer exceeds the you do NOT tell us within two (2) business day limitdays after you learn of the loss or theft of your Debit Card or PIN and we can prove we could have stopped someone from using your Debit Card or PIN without your permission if you had given us notice, the Customers liability still will not exceed you can lose as much as five hundred dollars ($500). Also, if your statement shows transfers you did not make, including those made by card, code, or other means, tell us at once. If you do not notify tell us within sixty (60) days after we mail your the statement covering the period in which an unauthorized transfer was madetransmitted to you, you may be liable for up to not receive back any money you lose after the entire amount of any loss. If Xxxx would have been able to have prevented a loss if you had notified Helm prior to the expiration of such sixty (60) day perioddays and you could lose all the money in your account (plus your maximum overdraft line of credit, you will be liable for all such losses. Helm mayif applicable), in its sole discretion, extend this time limit if we determine, can prove that we could have stopped someone from taking the money had you given us notice in our sole discretion, that such a delay was for time. If a good reason (such as a long trip or hospital stay)) keeps you from giving notice, we will extend the time periods. Additional limits on Important notification time frames and other requirements and terms relating to your liability for VISA Debit Card. Unless the Customer has been grossly negligent or have engaged in fraud, the Customer will not be liable for any unauthorized transactions using their lost are stated in the Electronic Fund Transfer Disclosure at: xxxxx://xxx.xxxxxxxxxx.xxx/About/Resources/Notices- Disclosures/Electronic-Fund-Transfer-Disclosure. Notification should be made as soon as possible if you think your statement or stolen Visa cardreceipt is wrong or if you need more information about a transaction listed on the statement or receipt. This additional limit You must contact Ameris Bank no later than sixty (60) days after we sent you the first statement on liability does not apply which the problem or error appears. You must be prepared to ATM transactions or to transactions using provide the Customers Personal Identification Number which are not processed by Visa. Visa is a registered trademark of Visa International Service Association. Contact in Event of Unauthorized Transfer. If you believe your card and PIN has been lost or stolen or that someone has or may use them to withdraw money from your deposit Account without your permission, telephone the number or write to the address listed in this brochure, located under the Error Resolution Procedures For Electronic Transfer.following information:

Consumer Liability. The Customers are responsible for any EFT transaction that the Customers make with their card and PIN. The Customer are also responsible for any EFT transaction made by someone else to whom the Customer has given their card or PINGenerally. Tell us AT ONCE if you believe your card BFSFCU Visa Debit Card (card), your Audio Response System, or PIN Visa® Debit Card PINs, Digital Banking access codes, or any other access code has been stolenlost, stolen or compromised, or if you believe that an electronic fund transfer has been made without your permission using information from your check, 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 (account plus your maximum overdraft line available Line of credit). Also, if your monthly statement shows EFT transactions made with your card and PIN that you did not make (or give someone permission to make for you), tell us AT ONCECredit limit. If you tell us within two (2) 2 business days after learning that you learn of the loss, theft or compromise of your card or PIN have been lost or stolencard, the liability shall not exceed the lessor of PIN, and/or access codes, you can lose no more than $50 or the amount of unauthorized transfersif someone used your card, PIN and/or access codes without your permission. If you do NOT tell us within 2 business days after you learn of the consumer exceeds the two (2) business day limitloss, the Customers liability still will not exceed theft, or compromise of your card, PIN and/or access codes, and we can prove we could have stopped someone from using your card, PIN and/or access codes without your permission if you had told us, you could lose as much as $500. If your statement shows transfers that you did not make, including those made by card, PIN, access code, or other means, tell us at once. If you do not notify tell us within sixty (60) 60 days after we mail your the FIRST statement covering the period in which an unauthorized transfer was mademailed or made available to you, you may be liable for up to not get back any money you lost after the entire amount of any loss. If Xxxx would 60 days if we can prove that we could have been able to have prevented a loss stopped someone from taking the money if you had notified Helm prior to the expiration of such sixty (60) day period, you will be liable for all such lossestold us in time. Helm may, in its sole discretion, extend this time limit if we determine, in our sole discretion, that such a delay was for If a good reason (such as a long trip or hospital stay) kept you from telling us, we may extend the time periods. If you furnish your BFSFCU Debit Card, your ARS or Visa Debit Card PINs, Digital Banking access codes, or any other access codes, and you authorize another person (such as a family member or co-worker) who exceeds the authority given, you are fully liable for the transfers unless you have provided us with prior notification that transfers by that person, whether for a specified purpose or any purpose, are no longer authorized. Account holders must regularly review their periodic statements for any errors and if you are an Digital Banking user, whenever you access Digital Banking and review your transaction history, or when you review Alerts regarding your accounts, you should review your transactions for accuracy. (See Electronic Fund Transfers Disclosure located on XXXXXX.xxx in its entirety for more information). Additional limits Limit on liability Liability for VISA BFSFCU Visa Debit Card. Card - Unless the Customer has you have been grossly negligent or have engaged in fraud, the Customer you will not be liable for any unauthorized transactions using their your lost or stolen BFSFCU Visa cardDebit Card. This additional limit on liability does not apply to ATM transactions or to transactions using the Customers Personal Identification Number your personal identification number which are not processed by Visa. Visa is a registered trademark of Visa International Service Association. Contact in Event of Unauthorized Transfer. If Transfer - CALL US AT 000-000-0000 OR 0-000-000-0000, SEND US A SECURE MESSAGE VIA DIGITAL BANKING, OR WRITE TO US AT: Attention: Member Relations Bank-Fund Staff Federal Credit Union 0000 X Xx, XX, Xxxxx 000 Washington, DC 20006-2406 USA • if you believe your card and PIN card, PIN, or access codes have been lost, stolen or compromised, and/or • if you believe a transaction has been lost or stolen or that someone has or may use them to withdraw money made using the information from your deposit Account checking account without your permission, telephone the number or write to the address listed in this brochure, located under the Error Resolution Procedures For Electronic Transfer.

Consumer Liability. The Customers are responsible for any EFT transaction that the Customers make with their card and PIN. The Customer are also responsible for any EFT transaction made by someone else to whom the Customer has given their card or PINGenerally. Tell us AT ONCE at once if you believe your ATM card and/or PIN or check card and/or PIN has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using the 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 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 PIN. If due to the loss or theft of your card and/or PIN, 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 PIN without permission. If you do NOT notify us within 60 days after the unauthorized transfer appears on your statement, and we prove that we could have stopped someone from using your card and/or PIN without your permission if you had told us within 2 days of when you discover the loss or theft of your card and/or PIN, you could lose as much as $500 for unauthorized transfers that appear on the statement. Also, if your monthly statement shows EFT transactions made with your card and PIN transfers that you did not make (make, including those made by card, PIN or give someone permission to make for you)other means, tell us AT ONCE. If you tell us within two (2) business days after learning that your card or PIN have been lost or stolen, the liability shall not exceed the lessor of $50 or the amount of unauthorized transfers. If the consumer exceeds the two (2) business day limit, the Customers liability still will not exceed $500at once. If you do not notify tell us within sixty (60) 60 days after we mail your the statement covering the period in which an unauthorized transfer was mademailed to you, you may be liable for up to not get back any money you lost after the entire amount of any loss. If Xxxx would 60 days if we prove that we could have been able to have prevented a loss stopped someone from taking the money if you had notified Helm prior to the expiration of such sixty (60) day period, you will be liable for all such lossestold us in time. Helm may, in its sole discretion, extend this time limit if we determine, in our sole discretion, that such a delay was for 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 Limits on liability Liability for VISA Debit The Bank Cash & Check Card. Unless the Customer has been grossly negligent or have engaged in fraud, the Customer You will not be liable for any unauthorized transactions using their lost your The Bank Cash and Check Card if: (i) you can demonstrate that you have exercised reasonable care in safeguarding your card from the risk of loss or stolen Visa cardtheft, and (ii) upon becoming aware of a loss or theft, you promptly report the loss or theft to us. This additional limit on liability does not apply to ATM transactions or to transactions using the Customers Personal Identification Number which are not processed by Visa. Visa Mastercard is a registered trademark, and the circles design is a trademark of Visa Mastercard International Service Association. Contact in Event of Unauthorized Transfer. If you believe your card and PIN has been lost or stolen or that someone has or may use them to withdraw money from your deposit Account without your permission, telephone the number or write to the address listed in this brochure, located under the Error Resolution Procedures For Electronic TransferIncorporated.

Consumer Liability. The Customers are responsible for any EFT transaction that the Customers make with their card and PIN. The Customer are also responsible for any EFT transaction made by someone else to whom the Customer has given their card or PIN. Tell us AT ONCE if you believe your debit card or PIN or internet banking access code has been stolen, 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). Also, if your monthly statement shows EFT transactions made with your card and PIN that you did not make (or give someone permission to make for you), tell us AT ONCE. If you tell us within two (2) business days after learning that you learn of the loss or theft of your debit card or PIN have been lost you can lose no more than fifty dollars ($50) if someone used your debit card or stolen, the liability shall not exceed the lessor of $50 or the amount of unauthorized transfersPIN without your permission. If the consumer exceeds the you do NOT tell us within two (2) business day limitdays after you learn of the loss or theft of your Debit Card or PIN and we can prove we could have stopped someone from using your Debit Card or PIN without your permission if you had given us notice, the Customers liability still will not exceed you can lose as much as five hundred dollars ($500). Also, if your statement shows transfers you did not make, including those made by card, code, or other means, tell us at once. If you do not notify tell us within sixty (60) days after we mail your the statement covering the period in which an unauthorized transfer was madetransmitted to you, you may be liable for up to not receive back any money you lost after the entire amount of any loss. If Xxxx would have been able to have prevented a loss if you had notified Helm prior to the expiration of such sixty (60) day perioddays, and therefore, you will be liable for could lose all such losses. Helm maythe money in your account (plus your maximum overdraft line of credit, in its sole discretionif applicable), extend this time limit if we determine, can prove that we could have stopped someone from taking the money had you given us notice in our sole discretion, that such a delay was for time. If a good reason (such as a long trip or hospital stay)) keeps you from giving the notice, we will extend the time periods. Additional limits on Important notification time frames and other requirements and terms relating to your liability for VISA Debit Card. Unless the Customer has been grossly negligent or have engaged in fraud, the Customer will not be liable for any unauthorized transactions using their lost are stated in the Electronic Fund Transfer Disclosure. Notification should be made as soon as possible if you think your statement or stolen Visa cardreceipt is wrong or if you need more information about a transaction listed on the statement or receipt. This additional limit You must contact Ameris Bank no later than sixty (60) days after we sent you the first statement on liability does not apply which the problem or error appears. You must be prepared to ATM transactions or to transactions using provide the Customers Personal Identification Number which are not processed by Visa. Visa is a registered trademark of Visa International Service Association. Contact in Event of Unauthorized Transfer. If you believe your card following information: i Your name and PIN has been lost or stolen or that someone has or may use them to withdraw money from your deposit Account without your permission, telephone the number or write to the address listed in this brochure, located under the Error Resolution Procedures For Electronic Transfer(if any).

Consumer Liability. The Customers You are responsible for all transactions you authorize using Bill Payment Services under this Agreement. If you permit other persons to use your Bill Payment Service or Password, you are responsible for any EFT transaction transactions they authorize or conduct on any of your accounts, even if that the Customers make with their card and PINamount exceeds what you have authorized. The Customer are also responsible for any EFT transaction made by someone else to whom the Customer has given their card or PIN. Tell us AT ONCE if If you believe that someone has debited or transferred or may transfer money from your card or PIN has been stolenaccount without your permission, or if you believe that an electronic fund transfer your account has been made without compromised in some fashion, or if you believe 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). AlsoPassword has been lost, if your monthly statement shows EFT transactions made with your card and PIN that you did not make (stolen or give someone permission to make for you), tell compromised call us AT ONCEor write us immediately. If you tell permit someone to have access to your Password and that person uses your Password, we will treat this as though you have authorized the person to use your Password. You must then give us within two (2) written notice revoking the person’s authority to use your Password, and this notice will only be effective as to transactions made after midnight on the next business days after learning day following the business day on which we received the written notice. You will be liable for fraudulent use of your Password on your account in any situation where we can demonstrate that your card you acted alone or PIN have been lost or stolen, the liability shall not exceed the lessor of $50 or the amount of unauthorized transferswith others in an attempt to defraud us. If your periodic statement shows an unauthorized transfer, or if you identify any errors or discrepancies in your statement or transaction record, or if you need any information about a transaction listed on the consumer exceeds the two (2) business day limit, the Customers liability still will not exceed $500statement or transaction record please notify us at once. If you do not notify tell us within sixty (60) days after we mail the statement was mailed to you or when your statement covering the period in which an unauthorized transfer eStatement was mademade available for your review on our website, you may be liable for up to not get back any money lost after the entire amount of any loss. If Xxxx would sixty (60) days if we can prove that we could have been able to have prevented a loss stopped someone from doing the transfers / transactions if you had notified Helm prior told us in time. You must notify the credit union within sixty (60) days after we have sent the first statement on which the problem or error appeared or when your eStatement was made available for your review on our website. If we do not receive notification within the sixty (60) days and obtain completed documents and affidavits necessary to investigate your claim, you may face unlimited liability for all unauthorized transfers made after the expiration of such sixty (60) day period, you will be liable for all such losses. Helm may, in its sole discretion, extend this time limit if we determine, in our sole discretion, that such a delay was for a good reason (such as a hospital stay). Additional limits on liability for VISA Debit Card. Unless period and before notice is given to the Customer has been grossly negligent or have engaged in fraud, the Customer will not be liable for any unauthorized transactions using their lost or stolen Visa card. This additional limit on liability does not apply to ATM transactions or to transactions using the Customers Personal Identification Number which are not processed by Visa. Visa is a registered trademark of Visa International Service Association. Contact in Event of Unauthorized Transfercredit union. If you believe notify us verbally, we may require that you send us your card complaint or question in writing within ten (10) business days. To report unauthorized activity: Call: (000) 000-0000 or (000) 000-0000 Or Write: Credit Union of Denver PO Box 261420 Lakewood, CO 80226-9420 When you report a problem or discrepancy for BILL PAY Transactions, please:  Tell us your name and PIN has been lost or stolen or that someone has or may use them to withdraw money from your deposit Account without your permission, telephone the number or write of the account used to pay the bill.  Tell us the applicable payee name and account number.  Tell us the date the payment was sent and the payment amount.  Tell us the bill pay confirmation number.  Arrange to complete and submit to the address listed in this brochure, located under Credit Union all required documents and affidavits within the Error Resolution Procedures For Electronic Transferrequired time frames (as applicable).

Consumer Liability. The Customers are responsible for any EFT transaction that the Customers make with their card and PIN. The Customer are also responsible for any EFT transaction made by someone else to whom the Customer has given their card or PINGenerally. Tell us AT ONCE at once if you believe your ATM/check card or and/or PIN has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using the 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 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 PIN. If due to the loss or theft of your card and/or PIN, 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 PIN without permission. If you do NOT notify us within 60 days after the unauthorized transfer appears on your statement, and we prove that we could have stopped someone from using your card and/or PIN without your permission if you had told us within 2 days of when you discover the loss or theft of your card and/or PIN, you could lose as much as $500 for unauthorized transfers that appear on the statement. Also, if your monthly statement shows EFT transactions made with your card and PIN transfers that you did not make (make, including those made by card, PIN or give someone permission to make for you)other means, tell us AT ONCE. If you tell us within two (2) business days after learning that your card or PIN have been lost or stolen, the liability shall not exceed the lessor of $50 or the amount of unauthorized transfers. If the consumer exceeds the two (2) business day limit, the Customers liability still will not exceed $500at once. If you do not notify tell us within sixty (60) 60 days after we mail your the statement covering the period in which an unauthorized transfer was mademailed to you, you may be liable for up to not get back any money you lost after the entire amount of any loss. If Xxxx would 60 days if we prove that we could have been able to have prevented a loss stopped someone from taking the money if you had notified Helm prior to the expiration of such sixty (60) day period, you will be liable for all such lossestold us in time. Helm may, in its sole discretion, extend this time limit if we determine, in our sole discretion, that such a delay was for 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 Limits on liability Liability for VISA Debit The Bank Cash & Check Card. Unless the Customer has been grossly negligent or have engaged in fraud, the Customer You will not be liable for any unauthorized transactions using their lost your The Bank Cash and Check Card if: (i) you can demonstrate that you have exercised reasonable care in safeguarding your card from the risk of loss or stolen Visa cardtheft, and (ii) upon becoming aware of a loss or theft, you promptly report the loss or theft to us. This additional limit on liability does not apply to ATM transactions or to transactions using the Customers Personal Identification Number which are not processed by Visa. Visa Mastercard is a registered trademark, and the circles design is a trademark of Visa Mastercard International Service Association. Contact in Event of Unauthorized Transfer. If you believe your card and PIN has been lost or stolen or that someone has or may use them to withdraw money from your deposit Account without your permission, telephone the number or write to the address listed in this brochure, located under the Error Resolution Procedures For Electronic TransferIncorporated.