Common use of Consumer Liability Clause in Contracts

Consumer Liability. Tell us AT ONCE if you believe your Card or PIN has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using your information. Telephoning is the best way of keeping your possible losses down. If you tell us within 2 business days after you learn of the loss or theft of your Card or PIN, you can lose no more than $50 if someone used your Card or PIN without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft of your Card or PIN, and we can prove we could have stopped someone from using your Card or PIN without your permission if you had told us, you could lose as much as $500. For unauthorized Debit Card transactions of California resident cardholders, your liability will continue to be limited to $50, provided you comply with the 60 day notification period described in the following paragraph. If your transaction history shows transfers that you did not make, including those made by your Card or PIN, tell us AT ONCE. If you do not tell us within 60 days after the earlier of the date you electronically accessed your Card transaction history or the date the Card transaction history was made available to you on which the unauthorized transfer appeared, you will not receive a refund for losses after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.

Consumer Liability. You will not be liable for an unauthorized use of your account through an electronic funds transfer unless we can prove that your negligence substantial- ly contributed to the unauthorized use and that we exercised reasonable care to prevent the loss. Tell us AT ONCE if you believe your Card or PIN has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your informationcheck. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within 2 two business days after you learn of the loss or theft of your Card card or PIN, you can lose no more than $50 50.00 if someone used your Card or PIN without your permission. If you do NOT tell us within 2 two business days after you learn of the loss or theft of your Card or PIN, and we can prove we could have stopped someone from using your Card or PIN without your permission the unauthorized transactions if you had told us, you could lose as much as $500500.00. For unauthorized Debit Card transactions of California resident cardholdersAlso, if your liability will continue to be limited to $50, provided you comply with the 60 day notification period described in the following paragraph. If your transaction history statement shows transfers that you did not make, including those made by your Card Card, PIN or PINother means, tell us AT ONCEat once. If you do not tell us within 60 days after the earlier of the date you electronically accessed your Card transaction history or the date the Card transaction history statement was made available mailed to you on which the unauthorized transfer appearedyou, you will may not receive a refund for losses get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking pre- vented the money transactions if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.

Consumer Liability. Tell us AT ONCE at once if you believe your Card or PIN card and/or code has been lost or stolen, or (if your account can be accessed by check) if you believe that an electronic fund transfer has been made without your permission using information from your informationcheck. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within 2 business days after you learn of the loss or theft of your Card or PINcard and/or code, you can lose no more than $50 if someone used your Card or PIN card and/or code without your permission. If Also, if you do NOT tell us within 2 business days after you learn of the loss or theft of your Card or PINcard and/or code, and we can prove we could have stopped someone from using your Card or PIN card and/or code without your permission if you had told us, you could lose as much as $500. For unauthorized Debit Card transactions of California resident cardholdersAlso, if your liability will continue to be limited to $50statement (or for a prepaid account where no statement is sent, provided you comply with the 60 day notification period described in the following paragraph. If if your transaction electronic history or written history) shows transfers that you did not make, including those made by your Card card, code or PINother means, tell us AT ONCEat once. If you do not tell us within 60 days after the statement was transmitted to you (or for a prepaid account where no statement is sent, 60 days after the earlier of the date you electronically accessed access your Card transaction history account, if the error could be viewed in your electronic history, or the date we sent the Card transaction FIRST written history was made available to you on which the unauthorized transfer error appeared), you will may not receive a refund for losses get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periodsperiod.

Consumer Liability. Tell us You must advise UMB AT ONCE if you believe your Card password or PIN has login information for your UNIFIMONEY Dashboard (your “Credentials”) have been lost or stolen, or if you believe that an electronic fund transfer a xxxx payment has been made without your permission using your information(an “Unauthorized Transfer”) by phoning UMB or notification through the UNIFIMONEY Dashboard as provided below. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your Customer Account. If you tell us UMB within 2 business days two (2) Business Days after you learn of the loss or theft of your Card or PINCredentials, you can lose no more than $50 if someone used your Card or PIN Credentials without your permission. If you do NOT tell us advise UMB within 2 business days two (2) Business Days after you learn of the loss or theft of your Card or PINCredentials, and we UMB can prove we it could have stopped someone from using your Card or PIN Credentials without your permission if you had told usUMB, you could lose as much as $500. For unauthorized Debit Card transactions of California resident cardholdersAlso, if your liability will continue to be limited to $50, provided you comply with the 60 day notification period described in the following paragraph. If your transaction history shows transfers Account Statements show xxxx payments that you did not make, including those made by with your Card Credentials or PINother means, tell us AT ONCEUMB at once. If you do not tell us UMB within 60 sixty (60) days after the earlier of the date you electronically accessed your Card transaction history or the date the Card transaction history was Account Statements were made available to you on which the unauthorized transfer appearedyou, you will may not receive a refund for losses get back any money you lost after the 60 days if we UMB can prove that we it could have stopped someone from taking the money if you had told us UMB in time. If a good reason (such as a long trip or a hospital stay) kept you from telling usUMB, we UMB will extend the time periodsperiod.

Consumer Liability. Tell us AT ONCE if you believe your Card Username or PIN password you use to access the Service (“credentials”) has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your informationcheck. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within 2 business days Business Days after you learn of the loss or theft of or your Card or PINcredentials, you can lose no more than $50 if someone used your Card or PIN credentials without your permission. If you do NOT tell us within 2 business days Business Days after you learn of the loss or theft of your Card or PINcredentials, and we can prove we could have stopped someone from using your Card or PIN credentials without your permission if you had told us, you could lose as much as $500. For unauthorized Debit Card transactions of California resident cardholdersAlso, if your liability will continue to be limited to $50, provided you comply with the 60 day notification period described in the following paragraph. If your transaction history statement shows transfers that you did not make, including those made by using your Card or PINcredentials, tell us AT ONCEat once. If you do not tell us within 60 days after the earlier of the date you electronically accessed your Card transaction history or the date the Card transaction history statement was made available mailed to you on which the unauthorized transfer appearedyou, you will may not receive a refund for losses get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. WE CANNOT ACCEPT NOTIFICATION OF LOST OR STOLEN PASSWORDS OR UNAUTHORIZED TRANSFERS VIA E-MAIL.

Consumer Liability. Tell us AT ONCE if you believe your Card card, access code, password, or PIN has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your informationcheck. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within 2 two (2) business days after you learn of the loss or theft of your Card card, access code, or PIN, you can lose no more than $50 if someone used your Card card, access code, password, or PIN without your permission. If you do NOT tell us within 2 two (2) business days after you learn of the loss or theft of your Card card, access code, password, or PIN, and we can prove we could have stopped someone from using your Card card, access code, password, or PIN without your permission if you had told us, you could lose as much as $500. For unauthorized Debit Card transactions of California resident cardholdersAlso, if your liability will continue to be limited to $50, provided you comply with the 60 day notification period described in the following paragraph. If your transaction history statement shows transfers that you did not make, including those made by your Card card, code or PINother means, tell us AT ONCEat once. If you do not tell us within 60 days after the earlier of the date you electronically accessed your Card transaction history or the date the Card transaction history statement was made available mailed to you on which the unauthorized transfer appearedyou, you will may not receive a refund for losses get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If you believe your card, access code, password, or PIN has been lost or stolen, call us at: 0- 000-000-0000 or write us at: Commerce Bank, P.O. Box 411635, Creve Coeur, MO 63141. You should also call the number or write to the address listed above if you believe a transfer has been made using the information from your check without your permission.

Consumer Liability. Generally. Tell us AT ONCE if you believe your Card or PIN card and/or code has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your informationcheck. Telephoning is the best way of keeping your possible losses down. If you tell us within 2 business days after you learn of the loss or theft of your Card or PIN, you can You could lose no more than up to $50 if someone used your Card or PIN card and/or code without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft of Also, if your Card or PIN, and we can prove we could have stopped someone from using your Card or PIN without your permission if you had told us, you could lose as much as $500. For unauthorized Debit Card transactions of California resident cardholders, your liability will continue to be limited to $50, provided you comply with the 60 day notification period described in the following paragraph. If your transaction history statement shows transfers that you did not make, including those made by your Card card, code or PINother means, tell us AT ONCEat once. If you do not tell us within 60 days after the earlier of the date you electronically accessed your Card transaction history or the date the Card transaction history statement was made available mailed to you on which the unauthorized transfer appearedyou, you will may not receive a refund for losses get back the money you lost (up to $50) after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periodsperiod. • Additional Limits on Liability for MasterMoneyTM Debit Card. You will not be liable for any unauthorized transactions using your MasterMoneyTM Debit Card if: (i) you can demonstrate that you have exercised reasonable care in safeguarding your card from the risk of loss or theft, and (ii) upon becoming aware of a loss or theft, you promptly report the loss or theft to us. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Consumer Liability. Tell us AT ONCE if you believe your Card or PIN 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 informationcheck. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account. If you tell us within 2 business days after you learn of the loss or theft of your Card or PINcode, you can lose no more than $50 if someone used your Card or PIN code without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft of your Card or PINcode, and we can prove we could have stopped someone from using your Card or PIN code without your permission if you had told us, you could lose as much as $500. For unauthorized Debit Card transactions of California resident cardholdersAlso, if your liability will continue to be limited to $50, provided you comply with the 60 day notification period described in the following paragraph. If your transaction history statement shows transfers that you did not make, including those made by your Card card, code or PINother means, tell us AT ONCEat once. If you do not tell us within 60 days after the earlier of the date you electronically accessed your Card transaction history or the date the Card transaction history statement was made available mailed to you on which the unauthorized transfer appearedyou, you will may not receive a refund for losses get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. Contact in event of unauthorized transfer. If you believe your code has been lost or stolen, call: 000-000-0000 or write: Xxxxx County Bank, P.O. Box 247, Waynesboro, TN 38485. You should also call the number or write to the address listed above if you believe a transfer has been made using the information from your check without your permission.

Consumer Liability. Tell us AT ONCE at once if you believe your Card Online or PIN Mobile Banking Login ID and/or password has been lost lost, stolen or stolenotherwise compromised, or if you believe that an electronic fund transfer has been made without your permission using information f rom your informationcheck. Telephoning is the best way of keeping your possible losses down. You could lose all the money i n your account (plus your maximum overdraft line of credit). If you tell us within 2 business days after you learn of the loss loss, theft or theft compromise of your Card Online or PINMobile Banking Login ID and/or password, you can lose no more than $50 if someone used your Card Online or PIN Mobile Banking Login ID and/or password without your permission. If you do NOT tell us within 2 business days after you learn of the loss loss, theft or theft compromise of your Card Online or PINMobile Banking Login ID and/or password, and we can prove we could have stopped someone from f rom using your Card Online or PIN Mobile Banking Login ID and/or password without your permission if you had told us, you could lose as much as $500. For unauthorized Debit Card transactions of California resident cardholdersAlso, if your liability will continue to be limited to $50, provided you comply with the 60 day notification period described in the following paragraph. If your transaction history statement shows transfers that you did not make, including those made by your Card Online or PINMobile Banking, card, code, or other means, tell us AT ONCEat once. If you do not tell us within 60 days after the earlier of the date you electronically accessed your Card transaction history or the date the Card transaction history statement was made available mailed to you on which the unauthorized transfer appearedyou, you will may not receive a refund for losses get back any money you lost after the 60 days if we can prove that we could have stopped someone from f rom taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from f rom telling us, we will extend the time periods.period s. Call or write to us if you believe: • Your card and/or code has been lost or stolen • A transfer has been made using the information f rom your check without permission

Consumer Liability. a) Generally. Tell us AT ONCE if you believe your Card or PIN card and/or code has been lost or stolen, stolen or if you believe that an electronic fund transfer has been made without your permission using information from your informationcheck. Telephoning is the best way of keeping your possible losses down. If you tell us within 2 business days after you learn You could lose all of the money in your account (plus your maximum overdraft line of credit). We will be liable for all unauthorized transfers unless the unauthorized transfer was due to the loss or theft of your Card card and/or code. If due to the loss or PINtheft of your card and/or code, and you notify us within 60 days of when the unauthorized transfer appears on the statement you can lose no more than $50 50.00 if someone used your Card or PIN card and/or code without your permission. If you do NOT tell notify us within 2 business 60 days after you learn of the loss or theft of unauthorized transfer appears on your Card or PINstatement, and we can prove that we could have stopped someone from using your Card or PIN card and/or code without your permission if you had told usus within 2 days of when you discover the loss or theft of your card and/or code, you could lose as much as $500500.00 for unauthorized transfers that appear on the statement. For unauthorized Debit Card transactions of California resident cardholdersAlso, if your liability will continue to be limited to $50, provided you comply with the 60 day notification period described in the following paragraph. If your transaction history statement shows transfers that you did not make, including those made by your Card card, code or PINother means, tell us AT ONCEat once. If you do not tell us within 60 days after the earlier of the date you electronically accessed your Card transaction history or the date the Card transaction history statement was made available mailed to you on which the unauthorized transfer appearedyou, you will may not receive a refund for losses get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periodsperiod.

Consumer Liability. Generally. Tell us AT ONCE at one if you believe your Card or PIN Online Banking account has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using your informationcompromised. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within 2 business days, you can lose no more than $50 if someone used Online Banking without your permission. (If you believe your Online Banking account has been compromised, and you tell us within 2 business days after you learn of the loss or theft of your Card or PINcompromise, you can lose no more than $50 if someone used your Card or PIN Online Banking without your permission. .) If you do NOT tell us within 2 business days after you learn of the loss or theft of that your Card or PINOnline Banking account has been compromised, and we can prove we could have stopped someone from using your Card or PIN Online Banking without your permission if you had told us, you could lose as much as $500. For unauthorized Debit Card transactions of California resident cardholdersAlso, if your liability will continue to be limited to $50, provided you comply with the 60 day notification period described in the following paragraph. If your transaction history statement shows transfers that you did not make, including those made by your Card or PIN, tell us AT ONCEat once. If you do not tell us within 60 days after the earlier of the date you electronically accessed your Card transaction history or the date the Card transaction history statement was made available mailed to you on which the unauthorized transfer appearedyou, you will may not receive a refund for losses get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If you believe that Online Banking has been compromised or that someone has transferred or may transfer money from your account without your permission, call or write us at the telephone number or address listed in this document.

Consumer Liability. Tell us AT ONCE if you believe your Card card, access code, password, or PIN has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your informationcheck. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within 2 business days two (2) Business Days after you learn of the loss or theft of your Card card, access code, or PIN, you can lose no more than $50 if someone used your Card card, access code, password, or PIN without your permission. If you do NOT tell us within 2 business days two (2) Business Days after you learn of the loss or theft of your Card card, access code, password, or PIN, and we can prove we could have stopped someone from using your Card card, access code, password, or PIN without your permission if you had told us, you could lose as much as $500. For unauthorized Debit Card transactions of California resident cardholdersAlso, if your liability will continue to be limited to $50, provided you comply with the 60 day notification period described in the following paragraph. If your transaction history statement shows transfers that you did not make, including those made by your Card card, code or PINother means, tell us AT ONCEat once. If you do not tell us within 60 days after the earlier of the date you electronically accessed your Card transaction history or the date the Card transaction history statement was made available mailed to you on which the unauthorized transfer appearedyou, you will may not receive a refund for losses get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If you believe your card, access code, password, or PIN has been lost or stolen, call us at: 0-000-000-0000 or write us at: Commerce Bank, P.O. Xxx 000000, Xxxxx Xxxxx, XX 00000. You should also call the number or write to the address listed above if you believe a transfer has been made using the information from your check without your permission.

Consumer Liability. Tell us AT ONCE if you believe your Card card, access code, password, or PIN has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your informationcheck. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within 2 two (2) business days after you learn of the loss or theft of your Card card, access code, or PIN, you can lose no more than $50 if someone used your Card card, access code, password, or PIN without your permission. If you do NOT tell us within 2 two (2) business days after you learn of the loss or theft of your Card card, access code, password, or PIN, and we can prove we could have stopped someone from using your Card card, access code, password, or PIN without your permission if you had told us, you could lose as much as $500. For unauthorized Debit Card transactions of California resident cardholdersAlso, if your liability will continue to be limited to $50, provided you comply with the 60 day notification period described in the following paragraph. If your transaction history statement shows transfers that you did not make, including those made by your Card card, code or PINother means, tell us AT ONCEat once. If you do not tell us within 60 days after the earlier of the date you electronically accessed your Card transaction history or the date the Card transaction history statement was made available mailed to you on which the unauthorized transfer appearedyou, you will may not receive a refund for losses get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If you believe your card, access code, password, or PIN has been lost or stolen, call us at: 0-000-000-0000 or write us at: Commerce Bank, P.O. Box 411635, Creve Coeur, MO 63141. You should also call the number or write to the address listed above if you believe a transfer has been made using the information from your check without your permission.