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 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 VISA 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 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 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 card or PIN 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 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 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 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 code without your permission if you had told us within 2 days of when you discover the loss or theft of your card and/or code, 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, code 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 Mastercard®-branded Debit 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 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 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 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 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 your The Bank Cash and Check Card if: (i) you can demonstrate that you have exercised reasonable care in Event of Unauthorized Transfer. If you believe safeguarding your card and PIN has been lost from the risk of loss or stolen theft, and (ii) upon becoming aware of a loss or that someone has theft, you promptly report the loss or may use them theft 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 Transferus.

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  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 PIN⚫ Generally. Tell us AT ONCE if you believe think your card or PIN and/or code has been 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 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) 2 business days after learning that your learn of the loss or theft of your card or PIN have been lost or stolenand/or code, the liability shall not exceed the lessor of you can lose no more than $50 or the amount of unauthorized transfers. If the consumer exceeds the two (2) business day limit, the Customers liability still will not exceed $500if someone used your card and/or code without your permission. If you do not notify NOT tell us within sixty (60) 2 business days after you learn of the loss or theft of your card and/or code, and we mail can prove we could have stopped someone from using your card and/or code without your permission if you have told us, you could lose as much as $50. Also if your statement covering shows transfers that you did not make, including those made by card, code or other means, tell us at once. If you do dot tell us within 60 days after the period in which an unauthorized transfer statement 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 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 a hospital stay)) kept you from telling us, we will extend the time periods. ⚫ Additional limits on liability Limits of Liability for VISA MasterMoneyTM Debit Card, when used for point-of-sale transactions. 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 MasterMoneyTM Debit 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 stolen Visa cardtheft, (ii) you have not reported to us two or more incidents of 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 the amount of money, property, labor or services obtained by the unauthorized use before notification to us. "Unauthorized use" means the use of your MasterMoneyTM 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 limitation on liability does not apply to ATM PIN-based 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 TransferMasterCard.

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 if you believe think your card or PIN and/or code has been 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 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) 2 business days after learning that your learn of the loss or theft of your card or PIN have been lost or stolenand/or code, the liability shall not exceed the lessor of you can lose no more than $50 or the amount of unauthorized transfers. If the consumer exceeds the two (2) business day limit, the Customers liability still will not exceed $500if someone used your card and/or code without your permission. If you do not notify NOT tell us within sixty (60) 2 business days after you learn of the loss or theft of your card and/or code, and we mail can prove we could have stopped someone from using your card and/or code without your permission if you have told us, you could lose as much as $50. Also if your statement covering shows transfers that you did not make, including those made by card, code or other means, tell us at once. If you do dot tell us within 60 days after the period in which an unauthorized transfer statement 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 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 a hospital stay)) kept you from telling us, we will extend the time periods.  Additional limits on liability Limits of Liability for VISA MasterMoneyTM Debit Card, when used for point-of-sale transactions. 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 MasterMoneyTM Debit 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 stolen Visa cardtheft, (ii) you have not reported to us two or more incidents of 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 the amount of money, property, labor or services obtained by the unauthorized use before notification to us. "Unauthorized use" means the use of your MasterMoneyTM 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 limitation on liability does not apply to ATM PIN-based 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 TransferMasterCard.

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. 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 Account holders must regularly review their monthly statements for any unauthorized transactions using their lost errors and if you are an Online Banking user, whenever you access Online Banking and review your transaction history, 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 when you believe access Mobile Banking and review Alerts regard- ing 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 permissionaccounts, telephone the number or write to the address listed in this brochure, located under the Error Resolution Procedures For Electronic Transferyou should review for transaction accuracy.

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.

Consumer Liability. Lost or Stolen Password/Unauthorized Transfers – The Customers are responsible following determines your liability for any EFT transaction that the Customers make with their card and PINunauthorized electronic fund transfer (“EFT”) or any series of related unauthorized EFTs. The Customer are also responsible for any EFT transaction made by someone else to whom the Customer has given their card or PIN. Tell Call us AT ONCE at (000) 000-0000 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 checkOnline Banking. 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). 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 ONCEprotection amount available. If you tell us believe that your password has been lost or stolen, please use the password change feature within Online Banking to change your password. As a general rule, it is a good practice to change your password on a periodic basis. If you notify the Bank within two (2) business days after learning that your card or PIN have been password was lost or stolen, your liability will not exceed $50.00 or the amount of the unauthorized EFTs that occur before notification, whichever is less. Each owner is responsible for transactions conducted by individuals with whom User ID and/or Password or other key information have been shared. If you fail to notify the Bank within two (2) business days after learning that your password was lost or stolen, your liability shall will not exceed the lessor lesser of $50 500.00 or the total of: $50.00 or the amount of unauthorized transfers. If the consumer exceeds EFTs that occur within the two (2) business days; plus The total of unauthorized EFTs which occur after the first two (2) days and before the customer gives notice to the Bank, provided the Bank establishes that these EFTs would not have occurred had the Bank been notified within that two-day limitperiod. Also, the Customers liability still will if your statement shows a transfer that you did not exceed $500make, tell us at once. If you do not notify us within sixty (60) You must report an unauthorized EFT that appears on your periodic statement, no later than 60 days after we mail your send you the statement covering to avoid unlimited liability for all unauthorized transfers made after the period in which an 60-day period. The consumer’s liability for unauthorized transfer was madetransfers before the statement is sent, you may be liable for and up to the entire amount 60 days following, is determined based on the first two tiers of any lossliability as stated above. If Xxxx would have been able your delay in notifying us was due to have prevented a loss if you had notified Helm prior to extenuating circumstances, we may at our discretion extend 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 Transferframes specified 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 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 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 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. 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. 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. 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 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 Cardunauthorized transactions are stated in the Electronic Fund Transfer Disclosure. Unless Notification should be made as soon as possible if you think your statement or receipt is wrong or if you need more information about a transaction listed on the Customer statement or receipt. You must contact Ameris Bank no later than sixty (60) days after we sent you the first statement on which the problem or error appears. You must be prepared to provide the following information: i Your name and Account number (if any). ii A description of the error and transfer in question. iii An explanation as to why you believe it is an error, or why you need more information. iv The dollar amount involved; the dollar amount of the suspected error. • If through no fault of ours, you do not have enough money in your account to make the transfer. • If the transfer would result in your exceeding the credit limit on your line of credit, if you have one. • If the electronic terminal was not working properly and you knew about the breakdown before you started the transfer. • If circumstances beyond our control (such as fire or flood, computer or machine breakdown, or failure or interruption of communications facilities) prevent the transfer, despite reasonable precautions we have taken. • If we have terminated our Agreement with you. • When your debit card has been grossly negligent reported lost or stolen or we have engaged in fraudreason to believe that something is wrong with a transaction. • If we receive inaccurate or incomplete information needed to complete a transaction. • In the case of preauthorized transfers, the Customer we 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 where there is a registered trademark breakdown of Visa International Service Associationthe system which would normally handle the transfer. Contact • If the funds in Event of Unauthorized Transfer. If you believe your card and PIN has been lost the account are subject to legal action preventing a transfer to 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 TransferAccount.

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 Cardunauthorized transactions are stated in the Electronic Fund Transfer Disclosure at: xxxxx://xxx.xxxxxxxxxx.xxx/About/Resources/Notices- Disclosures/Electronic-Fund-Transfer-Disclosure. Unless Notification should be made as soon as possible if you think your statement or receipt is wrong or if you need more information about a transaction listed on the Customer statement or receipt. You must contact Ameris Bank no later than sixty (60) days after we sent you the first statement on which the problem or error appears. You must be prepared to provide the following information: i. Your name and account number (if any). ii. A description of the error and transfer in question. iii. An explanation as to why you believe it is an error, or why you need more information. iv. The dollar amount involved, the dollar amount of the suspected error. • If through no fault of ours, you do not have enough money in your account to make the transfer. • If the transfer would result in your exceeding the credit limit on your line of credit, if you have one. • If the electronic terminal was not working properly and you knew about the breakdown before you started the transfer. • If circumstances beyond our control (such as fire or flood, computer or machine breakdown, or failure or interruption of communications facilities) prevent the transfer, despite reasonable precautions we have taken. • If we have terminated our Agreement with you. • When your debit card has been grossly negligent reported lost or stolen or we have engaged in fraudreason to believe that something is wrong with a transaction. • If we receive inaccurate or incomplete information needed to complete a transaction. • In the case of preauthorized transfers, the Customer we 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 where there is a registered trademark breakdown of Visa International Service Associationthe system which would normally handle the transfer. Contact • If the funds in Event of Unauthorized Transfer. If you believe your card and PIN has been lost the account are subject to legal action preventing a transfer to 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 Transferaccount.

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). Additional limits on liability for VISA Debit Card. Unless ) kept you from telling us, we may 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 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). 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 if you believe your card BFSFCU ATM or PIN Visa Debit 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 trans- fer 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 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 you learn of the loss, theft or compromise of your card, PIN, and/or access codes, you can lose no more than $50 if 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 loss, 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 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 hospital stay) kept you from telling us, we may extend the time periods. You will be liable for loss or misuse of the card if you authorize another person (such as a family member or co-worker) to use 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 and that person exceeds the two (2) business day limit, the Customers liability still will not exceed $500authority you give them. If you do not notify us within sixty (60) days after we mail your statement covering at once of the period in which an unauthorized transfer was made, activity you may be financially liable for up a portion or all of the unauthorized transfers and ATM transactions conducted, including but not limited to the entire amount of withdrawals from your account(s). Account holders must regularly review their monthly statements for any loss. If Xxxx would have been able to have prevented a loss errors and if you had notified Helm prior to the expiration of such sixty (60) day periodare 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 will be liable should review 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 Transfertransaction accuracy.

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 Prepaid Card information has been compromised or stolen, or if you believe that an electronic fund transfer someone has been made initiated or may initiate a transaction on your Prepaid Card account 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). 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 or PIN have been lost or stolenPrepaid Card information, the liability shall not exceed the lessor of you can lose no more than $50 or the amount of unauthorized transfersif someone used your Prepaid Card 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 Prepaid Card information, the Customers liability still will not exceed and we can prove we could have stopped someone from using your Prepaid Card without your permission if you had told us, you could lose as much as $500. For unauthorized Prepaid Card transactions of California resident cardholders, your liability will continue to be limited to $50, provided you comply with the notification period described in the following paragraph. If your Prepaid Card transaction history shows a transaction(s) that you did not make, tell us AT ONCE. If you do not notify tell us within sixty (60) 60 days after we mail the earlier of the date you a.) electronically accessed your statement covering Prepaid Card transaction history on which the period unauthorized transaction was reflected, or b.) otherwise requested and received a written transaction history from us in which an the unauthorized transfer was madetransaction is first reflected , you may be liable will not receive a refund for up to losses 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 a hospital stay)) kept you from telling us, we will extend the time periods. Additional limits on liability for VISA Debit Card. Unless In addition to and notwithstanding the Customer has been grossly negligent or have engaged above, in fraud, the Customer all cases you will not be liable for any losses related to an unauthorized transactions using their lost transaction that is not reported to us within 120 days of the date the transaction occurred, regardless of if you accessed 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 viewed 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 Transfertransaction history.