Common use of Customer’s Liability Clause in Contracts

Customer’s Liability. If you (a) give someone the security code, user ID, password, email address or other credentials used by you to access the Services (collectively, the “Credentials”) or (b) you designate a person as an authorized or a secondary user with respect to the Services, you have authorized that person to use the Services and you are responsible for all transactions that person performs while using the Services. All transactions that person performs, even those you did not intend or want performed, are authorized transactions. If you notify us in writing that the person is no longer authorized, then only the transactions that person performs after the time you notify us in writing and after we have had a reasonable time to act are considered unauthorized. Transactions with fraudulent intentions initiated by you, someone acting with you, an authorized or secondary user or someone acting with an authorized or secondary user are also authorized transactions. Contact us AT ONCE if you believe your Credentials have been compromised, lost, stolen, or if you believe that an electronic fund transfer has been made without your permission. Call us promptly at the phone number in Section 2.5 (Notice of Errors or Questions About Your Electronic Transfers) below to report any unauthorized activity or access. Immediate contact via telephone is the best way to limit your potential loss. You could lose all the money in your account (plus your maximum overdraft line of credit, if you have one). If you tell us within two (2) Business Days after you learn of the loss or theft of your Credentials, you can lose no more than $50.00 if someone used your Credentials without your permission. If you do NOT tell us within two (2) Business Days after you learn of the loss or theft of your Credentials, you could lose as much as $500.

Customer’s Liability. If you (a) give someone the security code, user ID, password, email address or other credentials used by you to access the Services (collectively, the “Credentials”) or (b) you designate a person as an authorized or a secondary user with respect to the Services, you have authorized that person to use the Services and you are responsible for all transactions that person performs while using the Services. All transactions that person performs, even those you did not intend or want performed, are authorized transactions. If you notify us in writing that the person is no longer authorized, then only the transactions that person performs after the time you notify us in writing and after we have had a reasonable time to act are considered unauthorized. Transactions with fraudulent intentions initiated by you, someone acting with you, an authorized or secondary user or someone acting with an authorized or secondary user are also authorized transactions. Contact us AT A T ONCE if you believe your Credentials have been compromised, lost, stolen, or if you believe that an electronic fund transfer has been made without your permission. Call us promptly at the phone number in Section 2.5 (Notice of Errors or Questions About Your Electronic Transfers) below to report any unauthorized activity or access. Immediate contact via telephone is the best way to limit your potential loss. You could lose all the money in your account (plus your maximum overdraft line of credit, if you have one). If you tell us within two (2) Business Days after you learn of the loss or theft of your Credentials, you can lose no more than $50.00 if someone used your Credentials without your permission. If you do NOT tell us within two (2) Business Days after you learn of the loss or theft of your Credentials, you could lose as much as $500.

Customer’s Liability. If you (a) give someone the your Online Banking credentials (security code, user ID, ID or password, email address or other credentials used by you to access the Services (collectively, the “Credentials”) or (b) you designate a person as an authorized or a secondary user with respect to the Services), you have authorized that person to use the Services and you are responsible for all transactions that person performs while using the your Services. All transactions that person performs, even those you did not intend or want performed, are authorized transactions. If you notify us in writing that the person is no longer authorized, then only the transactions that person performs after the time you notify us in writing and after we have had a reasonable time to act are considered unauthorized. Transactions with fraudulent intentions initiated by you, someone acting with you, an authorized or secondary user that you or someone acting with an authorized or secondary user you initiates with fraudulent intentions are also authorized transactions. Contact Generally, contact us AT ONCE if you believe your Credentials security code, user ID or password have been compromised, lost, stolen, or if you believe that an electronic fund transfer has been made without your permission. Call us promptly at the phone number in Section 2.5 (Notice of Errors or Questions About Your Electronic Transfers) below to report any unauthorized activity or access. Immediate contact via telephone is the best way to limit your potential loss. You could lose all the money in your account (plus your maximum overdraft line of credit, if you have one). If you tell us within two (2) 2 Business Days after you learn of the loss or theft of your Credentialssecurity code, user ID or password, you can lose no more than $50.00 if someone used your Credentials security code, user ID or password, without your permission. If you do NOT tell us within two (2) 2 Business Days after you learn of the loss or theft of security code, user ID or password, and we can prove we could have stopped someone from using your Credentialssecurity code, user ID or password, without your permission if you had told us, you could lose as much as $500. UNAUTHORIZED USE DISCOVERED FROM STATEMENTS. Also, if your statement shows transfers that you did not make, including those made by security code, user ID, password, or other means, tell us at once. If you do not tell us within 60 days after the statement was provided to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If you believe your security code, user ID or password has been lost or stolen, call us or write to us at the phone number or address set forth in Section 2.5 below. You should also call us or write to us at the phone number or address set forth in Section 2.5 below if you believe a transfer has been made in any other way without your permission.