Common use of Electronic Fund Transfer Disclosures Clause in Contracts

Electronic Fund Transfer Disclosures. This section applies only to Consumer Accounts. By your application for and use of the Services, you acknowledge acceptance of these “Electronic Funds Transfer Disclosures,” in addition to the terms, conditions, and policies in the Account Agreement and Disclosures and all other documentation referenced therein and herein. a. Electronic Funds Transfers shall have the same meaning as described in the Electronic Fund Transfer Act of 1978 and its implementing guidelines and regulations, including but not limited to transfers for iManage Xxxx Pay Services and People Pay Services. Note that xxxx payments initiated using iManage Xxxx Pay are also subject to the terms and conditions contained in the separate iManage Xxxx Payment Enrollment & Customer Service Agreement, which is agreed to by customers for use of iManage Xxxx Pay Services. People Pay Services are subject to additional terms and conditions also, which are contained in the separate iManage People Pay Enrollment and Customer Service Agreement. b. You must notify us AT ONCE should you believe your User ID or password has been compromised, lost, or stolen or if you believe that an unauthorized payment or transfer from your Account has occurred. Contacting us by telephoning may be the best way of keeping your potential losses to a minimum. You could lose all the money in your Account, plus the maximum “Check Protect Account” balance, as identified in your Account Agreement and Disclosures. If you inform us of the lost or stolen User ID or password within two (2) Business Days after you learn of the loss or theft, you can lose no more than fifty dollars ($50), if someone uses your User ID and password without your permission. If you do NOT notify us within two (2) Business Days after learning about the loss or theft of your User ID and/or password and we can prove that such loss or theft may have been stopped or minimized had you promptly notified us, then you could lose as much as five hundred dollars ($500.00). Also, if you identify unauthorized transfers on your Account statement, notify us at once. If you do not notify us within sixty (60) days after the first statement was mailed to you, on which the unauthorized transfer is identified, you may not recover any money you lose after the 60-day period and any further right to make a claim will be waived. c. If you believe your User ID and/or password has been lost, stolen, compromised, or that someone has transferred or may transfer money from your Account without your permission, call us at 0-000-000-0000. Although telephoning us is the best way to minimize your losses, you may also notify us in writing at MidFirst MoneyLine, 000 X.X. Xxxxx Xxxx. Xxxxx 000, Xxxxxxxx Xxxx, XX 00000-0000. d. If you think your Account statement is wrong or inaccurate, or if you need more information about a payment or a transfer listed on the statement, you must notify us no later than sixty (60) days after we sent the FIRST statement on which the problem or error appeared. Your notice should include: 1) Your name and Account number. 2) A description of the error or the transfer you are questioning and an explanation of why you believe it is an error or why you need more information. Your explanation should be as clear and complete as possible. 3) The dollar amount of the suspected error. If you notify us verbally, we may require you send us your complaint or question in writing within ten (10) Business Days. Once notified we will begin our review and within ten (10) Business Days after we receive your written complaint or question, we will determine whether an error occurred and if the error is confirmed, we will correct the error promptly. If we need more time, however, we may decide to take up to forty-five (45) days to investigate your complaint or question. If we decide to do this, we will provisionally credit your Account within ten (10) Business Days after we receive your written complaint or question for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) Business Days, we may not provisionally credit your Account. For New Accounts, the Bank may take up to ninety (90) days to investigate your complaint or question, provided we provisionally credit your Account for the amount in question within twenty (20) Business Days following notice from you. If Bank request your complaint or question be put in writing and Bank does not receive such writing within ten (10) Business Days following such request, then Bank may not provide you with a provisional credit. f. In the case of an error or if you have questions about your electronic (or ACH) transfers, please call us at 1-866- 000-0000 or write us at MidFirst Bank, X.X. Xxx 00000, Xxxxxxxx Xxxx, Xxxxxxxx 00000, Attention: EFT Representative. We will notify you the results within three (3) Business Days after completing our investigation into any error brought to our attention. If we decide there was no error, we will send you a written explanation and settle the Account. You may ask for copies of the documents that we used in our investigation. If no error is found and we provided provisional credit to you during the investigation period, such provisional credit will be debited from your Account upon the completion of the investigation finding of no error. We will notify you of the date and the amount, which is to be debited (or refunded back to Bank for the provisional credit) from your Account. Bank will honor overdrafts, up to the provisional credit amount (or amount debited from your Account), for up to five (5) Business Days following the date of debiting the provisional credit from your Account, at no charge to you. g. In the event you require a stop payment on your Account and if you have told us in advance to make regular payments out of your Account, you can stop any of these payments by calling us at 0-000-000-0000 or writing us at MidFirst MoneyLine, 000 X.X. Xxxxx Xxxx. Xxxxx 000, Xxxxxxxx Xxxx, XX 00000 with sufficient time for us to receive your request, not less than three (3) Business Days before the payment is scheduled to be made. If you instruct us verbally, we may require that you put your request in writing. Stop payment requests are subject to applicable fees and charges as set forth in the Fee Schedule. h. If you have arranged for direct deposits to be made to your Account, you can access your Account online pursuant to this Agreement or call us at 0-000-000-0000 to determine if the deposit has been made. i. If we do not complete a transfer to or from your Account on time or in the correct amount according to our agreement with you and your instructions, any liability is limited to the actual losses or damages incurred by you. Bank shall not be liable for the following: 1. If, through no fault of ours, you do not have enough money in your Account to make the transfer; 2. If the Services are not working properly and you know or knew about the breakdown when you started the transfer; 3. If your computer, Internet access, or modem is or was not working properly; 4. If the Payee mishandles or delays in handling payments sent by us; 5. If you have not provided us with the correct Payee name, address, account information, or payment amount or if you provided any incorrect or inaccurate information; 6. If circumstances beyond our control, (such as fire or flood, terrorism, government shut-down, an act of God, system failures, or Internet down time or service provider connectivity problems), prevent the transfer, despite reasonable precautions that we have taken; 7. If the funds are subject to legal or other encumbrance or restriction; and/or 8. Federal Reserve Board, Office of the Comptroller of the Currency, Federal Deposit Insurance Corporation (“FDIC”), or federal or state banking regulations might prohibit such transfer.

Electronic Fund Transfer Disclosures. This section applies only to Consumer Accounts. By your application for and use of the Services, you acknowledge acceptance of these “Electronic Funds Transfer Disclosures,” in addition to the terms, conditions, and policies in the Account Agreement and Disclosures and all other documentation referenced therein and herein. a. Electronic Funds Transfers shall have the same meaning as described in the Electronic Fund Transfer Act of 1978 and its implementing guidelines and regulations, including but not limited to transfers for iManage Xxxx Pay Services and People Pay Services. Note that xxxx payments initiated using iManage Xxxx Pay are also subject to the terms and conditions contained in the separate iManage Xxxx Payment Enrollment & Customer Service Agreement, which is agreed to by customers for use of iManage Xxxx Pay Services. People Pay Services are subject to additional terms and conditions also, which are contained in the separate iManage People Pay Enrollment and Customer Service Agreement. b. You must notify us AT ONCE should you believe your User ID or password has been compromised, lost, or stolen or if you believe that an unauthorized payment or transfer from your Account has occurred. Contacting us by telephoning may be the best way of keeping your potential losses to a minimum. You could lose all the money in your Account, plus the maximum “Check Protect Account” balance, as identified in your Account Agreement and Disclosures. If you inform us of the lost or stolen User ID or password within two (2) Business Days after you learn of the loss or theft, you can lose no more than fifty dollars ($50), if someone uses your User ID and password without your permission. If you do NOT notify us within two (2) Business Days after learning about the loss or theft of your User ID and/or password and we can prove that such loss or theft may have been stopped or minimized had you promptly notified us, then you could lose as much as five hundred dollars ($500.00). Also, if you identify unauthorized transfers on your Account statement, notify us at once. If you do not notify us within sixty (60) days after the first statement was mailed to you, on which the unauthorized transfer is identified, you may not recover any money you lose after the 60-day period and any further right to make a claim will be waived. c. If you believe your User ID and/or password has been lost, stolen, compromised, or that someone has transferred or may transfer money from your Account without your permission, call us at 0-000-000-0000. Although telephoning us is the best way to minimize your losses, you may also notify us in writing at MidFirst MoneyLine, 000 X.X. Xxxxx Xxxx. Xxxxx 000, Xxxxxxxx Xxxx, XX 00000-0000. d. If you think your Account statement is wrong or inaccurate, or if you need more information about a payment or a transfer listed on the statement, you must notify us no later than sixty (60) days after we sent the FIRST statement on which the problem or error appeared. Your notice should include: 1) Your name and Account number. 2) A description of the error or the transfer you are questioning and an explanation of why you believe it is an error or why you need more information. Your explanation should be as clear and complete as possible. 3) The dollar amount of the suspected error. If you notify us verbally, we may require you send us your complaint or question in writing within ten (10) Business Days. Once notified we will begin our review and within ten (10) Business Days after we receive your written complaint or question, we will determine whether an error occurred and if the error is confirmed, we will correct the error promptly. If we need more time, however, we may decide to take up to forty-five (45) days to investigate your complaint or question. If we decide to do this, we will provisionally credit your Account within ten (10) Business Days after we receive your written complaint or question for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) Business Days, we may not provisionally credit your Account. For New Accounts, the Bank may take up to ninety (90) days to investigate your complaint or question, provided we provisionally credit your Account for the amount in question within twenty (20) Business Days following notice from you. If Bank request your complaint or question be put in writing and Bank does not receive such writing within ten (10) Business Days following such request, then Bank may not provide you with a provisional credit. f. e. In the case of an error or if you have questions about your electronic (or ACH) transfers, please call us at 1-866- 000-0000 or write us at MidFirst Bank, X.X. Xxx 00000, Xxxxxxxx Xxxx, Xxxxxxxx 00000, Attention: EFT Representative. We will notify you the results within three (3) Business Days after completing our investigation into any error brought to our attention. If we decide there was no error, we will send you a written explanation and settle the Account. You may ask for copies of the documents that we used in our investigation. If no error is found and we provided provisional credit to you during the investigation period, such provisional credit will be debited from your Account upon the completion of the investigation finding of no error. We will notify you of the date and the amount, which is to be debited (or refunded back to Bank for the provisional credit) from your Account. Bank will honor overdrafts, up to the provisional credit amount (or amount debited from your Account), for up to five (5) Business Days following the date of debiting the provisional credit from your Account, at no charge to you. g. f. In the event you require a stop payment on your Account and if you have told us in advance to make regular payments out of your Account, you can stop any of these payments by calling us at 0-000-000-0000 or writing us at MidFirst MoneyLine, 000 X.X. Xxxxx Xxxx. Xxxxx 000, Xxxxxxxx Xxxx, XX 00000 with sufficient time for us to receive your request, not less than three (3) Business Days before the payment is scheduled to be made. If you instruct us verbally, we may require that you put your request in writing. Stop payment requests are subject to applicable fees and charges as set forth in the Fee Schedule. h. g. If you have arranged for direct deposits to be made to your Account, you can access your Account online pursuant to this Agreement or call us at 0-000-000-0000 to determine if the deposit has been made. i. h. If we do not complete a transfer to or from your Account on time or in the correct amount according to our agreement with you and your instructions, any liability is limited to the actual losses or damages incurred by you. Bank shall not be liable for the following: 1. i. If, through no fault of ours, you do not have enough money in your Account to make the transfer; 2ii. If the Services are not working properly and you know or knew about the breakdown when you started the transfer; 3iii. If your computer, Internet access, or modem is or was not working properly; 4iv. If the Payee mishandles or delays in handling payments sent by us; 5. v. If you have not provided us with the correct Payee name, address, account information, or payment amount or if you provided any incorrect or inaccurate information; 6vi. If circumstances beyond our control, (such as fire or flood, terrorism, government shut-down, an act of God, system failures, or Internet down time or service provider connectivity problems), prevent the transfer, despite reasonable precautions that we have taken; 7vii. If the funds are subject to legal or other encumbrance or restriction; and/or 8viii. Federal Reserve Board, Office of the Comptroller of the Currency, Federal Deposit Insurance Corporation (“FDIC”), or federal or state banking regulations might prohibit such transfer.

Electronic Fund Transfer Disclosures. This section applies only to Consumer Accounts. By your application for and use of the Services, you acknowledge acceptance of these “Electronic Funds Transfer Disclosures,” in addition to the terms, conditions, and policies in the Account Agreement and Disclosures and all other documentation referenced therein and herein. a. Electronic Funds Transfers shall have the same meaning as described in the Electronic Fund Transfer Act of 1978 and its implementing guidelines and regulations, including but not limited to transfers for iManage Xxxx Pay Services and People Pay Servicesother services. Note that xxxx payments initiated using iManage Xxxx Pay are also subject to the terms and conditions contained in the separate iManage Xxxx Payment Enrollment & Customer Service Agreement, which is agreed to by customers for use of iManage Xxxx Pay Services. People Pay Services are The Zelle Service is subject to additional terms and conditions also, which are contained in the separate iManage People Pay Enrollment and Customer Zelle Service Addendum to this Agreement. b. You must notify us AT ONCE should you believe your User ID or password has been compromised, lost, or stolen or if you believe that an unauthorized payment or transfer from your Account has occurred. Contacting us by telephoning may be the best way of keeping your potential losses to a minimum. You could lose all the money in your Account, plus the maximum “Check Protect Account” balance, as identified in your Account Agreement and Disclosures. If you inform us of the lost or stolen User ID or password within two (2) Business Days after you learn of the loss or theft, you can lose no more than fifty dollars ($50), if someone uses your User ID and password without your permission. If you do NOT notify us within two (2) Business Days after learning about the loss or theft of your User ID and/or password and we can prove that such loss or theft may have been stopped or minimized had you promptly notified us, then you could lose as much as five hundred dollars ($500.00). Also, if you identify unauthorized transfers on your Account statement, notify us at once. If you do not notify us within sixty (60) days after the first statement was mailed to you, on which the unauthorized transfer is identified, you may not recover any money you lose after the 60-day period and any further right to make a claim will be waived. c. If you believe your User ID and/or password has been lost, stolen, compromised, or that someone has transferred or may transfer money from your Account without your permission, call us at 0-000-000-0000. Although telephoning us is the best way to minimize your losses, you may also notify us in writing at MidFirst MoneyLine, 000 X.X. Xxxxx Xxxx. Xxxxx 000, Xxxxxxxx Xxxx, XX 00000-0000. d. If you think your Account statement is wrong or inaccurate, or if you need more information about a payment or a transfer listed on the statement, you must notify us no later than sixty (60) days after we sent the FIRST statement on which the problem or error appeared. Your notice should include: 1) Your name and Account number. 2) A description of the error or the transfer you are questioning and an explanation of why you believe it is an error or why you need more information. Your explanation should be as clear and complete as possible. 3) The dollar amount of the suspected error. If you notify us verbally, we may require you send us your complaint or question in writing within ten (10) Business Days. Once notified we will begin our review and within ten (10) Business Days after we receive your written complaint or question, we will determine whether an error occurred and if the error is confirmed, we will correct the error promptly. If we need more time, however, we may decide to take up to forty-five (45) days to investigate your complaint or question. If we decide to do this, we will provisionally credit your Account within ten (10) Business Days after we receive your written complaint or question for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) Business Days, we may not provisionally credit your Account. For New Accounts, the Bank we may take up to ninety (90) days to investigate your complaint or question, provided we provisionally credit your Account for the amount in question within twenty (20) Business Days following notice from you. If Bank request your complaint or question be put in writing and Bank does we do not receive such writing within ten (10) Business Days following such request, then Bank we may not provide you with a provisional credit. f. e. In the case of an error or if you have questions about your electronic (or ACH) transfers, please call us at 1-866- 000866-0000 626- 3888 or write us at MidFirst Bank, X.X. Xxx 00000, Xxxxxxxx Xxxx, Xxxxxxxx 00000, Attention: EFT Representative. We will notify you the results within three (3) Business Days after completing our investigation into any error brought to our attention. If we decide there was no error, we will send you a written explanation and settle the Account. You may ask for copies of the documents that we used in our investigation. If no error is found and we provided provisional credit to you during the investigation period, such provisional credit will be debited from your Account upon the completion of the investigation finding of no error. We will notify you of the date and the amount, which is to be debited (or refunded back to Bank for the provisional credit) from your Account. Bank will honor overdrafts, up to the provisional credit amount (or amount debited from your Account), for up to five (5) Business Days following the date of debiting the provisional credit from your Account, at no charge to you. g. f. In the event you require a stop payment on your Account and if you have told us in advance to make regular payments out of your Account, you can stop any of these payments by calling us at 0-000-000-0000 or writing us at MidFirst MoneyLine, 000 X.X. Xxxxx Xxxx. Xxxxx 000, Xxxxxxxx Xxxx, XX 00000 with sufficient time for us to receive your request, not less than three (3) Business Days before the payment is scheduled to be made. If you instruct us verbally, we may require that you put your request in writing. Stop payment requests are subject to applicable fees and charges as set forth in the Fee Schedule. h. g. If you have arranged for direct deposits to be made to your Account, you can access your Account online pursuant to this Agreement or call us at 0-000-000-0000 to determine if the deposit has been made. i. h. If we do not complete a transfer to or from your Account on time or in the correct amount according to our agreement with you and your instructions, any liability is limited to the actual losses or damages incurred by you. Bank shall not be liable for the following: 1. i. If, through no fault of ours, you do not have enough money in your Account to make the transfer; 2ii. If the Services are not working properly and you know or knew about the breakdown when you started the transfer; 3iii. If your computer, Internet access, or modem is or was not working properly; 4iv. If the Payee mishandles or delays in handling payments sent by us; 5. v. If you have not provided us with the correct Payee name, address, account information, or payment amount or if you provided any incorrect or inaccurate information; 6vi. If circumstances beyond our control, (such as fire or flood, terrorism, government shut-down, an act of God, system failures, or Internet down time or service provider connectivity problems), prevent the transfer, despite reasonable precautions that we have taken; 7vii. If the funds are subject to legal or other encumbrance or restriction; and/or 8viii. Federal Reserve Board, Office of the Comptroller of the Currency, Federal Deposit Insurance Corporation (“FDIC”), or federal or state banking regulations might prohibit such transfer.

Electronic Fund Transfer Disclosures. This section applies only to Consumer Accounts. By your application for and use of the Services, you acknowledge acceptance of these “Electronic Funds Transfer Disclosures,” in addition to the terms, conditions, and policies in the Account Agreement and Disclosures and all other documentation referenced therein and herein. a. Electronic Funds Transfers shall have the same meaning as described in the Electronic Fund Transfer Act of 1978 and its implementing guidelines and regulations, including but not limited to transfers for iManage Xxxx Pay Services and People Pay Servicesother services. Note that xxxx payments initiated using iManage Xxxx Pay are also subject to the terms and conditions contained in the separate iManage Xxxx Payment Enrollment & Customer Service Agreement, which is agreed to by customers for use of iManage Xxxx Pay Services. People Pay Services are The Zelle Service is subject to additional terms and conditions also, which are contained in the separate iManage People Pay Enrollment and Customer Zelle Service Addendum to this Agreement. b. You must notify us AT ONCE should you believe your User ID or password has been compromised, lost, or stolen or if you believe that an unauthorized payment or transfer from your Account has occurred. Contacting us by telephoning may be the best way of keeping your potential losses to a minimum. You could lose all the money in your Account, plus the maximum “Check Protect Account” balance, as identified in your Account Agreement and Disclosures. If you inform us of the lost or stolen User ID or password within two (2) Business Days after you learn of the loss or theft, you can lose no more than fifty dollars ($50), if someone uses your User ID and password without your permission. If you do NOT notify us within two (2) Business Days after learning about the loss or theft of your User ID and/or password and we can prove that such loss or theft may have been stopped or minimized had you promptly notified us, then you could lose as much as five hundred dollars ($500.00). Also, if you identify unauthorized transfers on your Account statement, notify us at once. If you do not notify us within sixty (60) days after the first statement was mailed to you, on which the unauthorized transfer is identified, you may not recover any money you lose after the 60-day period and any further right to make a claim will be waived. c. If you believe your User ID and/or password has been lost, stolen, compromised, or that someone has transferred or may transfer money from your Account without your permission, call us at 0-000-000-0000. Although telephoning us is the best way to minimize your losses, you may also notify us in writing at MidFirst MoneyLine, 000 X.X. Xxxxx Xxxx. Xxxxx 000, Xxxxxxxx Xxxx, XX 00000-0000. d. If you think your Account statement is wrong or inaccurate, or if you need more information about a payment or a transfer listed on the statement, you must notify us no later than sixty (60) days after we sent the FIRST statement on which the problem or error appeared. Your notice should include: 1) Your name and Account number. 2) A description of the error or the transfer you are questioning and an explanation of why you believe it is an error or why you need more information. Your explanation should be as clear and complete as possible. 3) The dollar amount of the suspected error. If you notify us verbally, we may require you send us your complaint or question in writing within ten (10) Business Days. Once notified we will begin our review and within ten (10) Business Days after we receive your written complaint or question, we will determine whether an error occurred and if the error is confirmed, we will correct the error promptly. If we need more time, however, we may decide to take up to forty-five (45) days to investigate your complaint or question. If we decide to do this, we will provisionally credit your Account within ten (10) Business Days after we receive your written complaint or question for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) Business Days, we may not provisionally credit your Account. For New Accounts, the Bank we may take up to ninety (90) days to investigate your complaint or question, provided we provisionally credit your Account for the amount in question within twenty (20) Business Days following notice from you. If Bank request your complaint or question be put in writing and Bank does we do not receive such writing within ten (10) Business Days following such request, then Bank we may not provide you with a provisional credit. f. e. In the case of an error or if you have questions about your electronic (or ACH) transfers, please call us at 1-866- 000866-0000 626- 3888 or write us at MidFirst Bank, X.X. Xxx 00000, Xxxxxxxx Xxxx, Xxxxxxxx 00000, Attention: EFT Representative. We will notify you the results within three (3) Business Days after completing our investigation into any error brought to our attention. If we decide there was no error, we will send you a written explanation and settle the Account. You may ask for copies of the documents that we used in our investigation. If no error is found and we provided provisional credit to you during the investigation period, such provisional credit will be debited from your Account upon the completion of the investigation finding of no error. We will notify you of the date and the amount, which is to be debited (or refunded back to Bank for the provisional credit) from your Account. Bank will honor overdrafts, up to the provisional credit amount (or amount debited from your Account), for up to five (5) Business Days following the date of debiting the provisional credit from your Account, at no charge to you. g. f. In the event you require a stop payment on your Account and if you have told us in advance to make regular payments out of your Account, you can stop any of these payments by calling us at 0-000-000-0000 or writing us at MidFirst MoneyLine, 000 X.X. Xxxxx Xxxx. Xxxxx 000, Xxxxxxxx Xxxx, XX 00000 with sufficient time for us to receive your request, not less than three (3) Business Days before the payment is scheduled to be made. If you instruct us verbally, we may require that you put your request in writing. Stop payment requests are subject to applicable fees and charges as set forth in the Fee Schedule. h. g. If you have arranged for direct deposits to be made to your Account, you can access your Account online pursuant to this Agreement or call us at 0-000-000-0000 to determine if the deposit has been made. i. h. If we do not complete a transfer to or from your Account on time or in the correct amount according to our agreement with you and your instructions, any liability is limited to the actual losses or damages incurred by you. Bank shall not be liable for the following: 1. i. If, through no fault of ours, you do not have enough money in your Account to make the transfer; 2ii. If the Services are not working properly and you know or knew about the breakdown when you started the transfer; 3iii. If your computer, Internet access, or modem is or was not working properly; 4iv. If the Payee mishandles or delays in handling payments sent by us; 5. v. If you have not provided us with the correct Payee name, address, account information, or payment amount or if you provided any incorrect or inaccurate information; 6vi. If circumstances beyond our control, (such as fire or flood, terrorism, government shut-down, an act of God, system failures, or Internet down time or service provider connectivity problems), prevent the transfer, despite reasonable precautions that we have taken; 7vii. If the funds are subject to legal or other encumbrance or restriction; and/or 8viii. Federal Reserve Board, Office of the Comptroller of the Currency, Federal Deposit Insurance Corporation (“FDIC”), or federal or state banking regulations might prohibit such transfer.

Electronic Fund Transfer Disclosures. This section applies only to Consumer Accounts. By your application for and use of the Services, you acknowledge acceptance of these “Electronic Funds Transfer Disclosures,” in addition to the terms, conditions, and policies in the Account Agreement and Disclosures and all other documentation referenced therein and herein. a. Electronic Funds Transfers shall have the same meaning as described in the Electronic Fund Transfer Act of 1978 and its implementing guidelines and regulations, including but not limited to transfers for iManage Xxxx Pay Services and People Pay Services. Note that xxxx payments initiated using iManage Xxxx Pay are also subject to the terms and conditions contained in the separate iManage Xxxx Payment Enrollment & Customer Service Agreement, which is agreed to by customers for use of iManage Xxxx Pay Services. People Pay Services are subject to additional terms and conditions also, which are contained in the separate iManage People Pay Enrollment and Customer Service Agreement. b. You must notify us AT ONCE should you believe your User ID or password has been compromised, lost, or stolen or if you believe that an unauthorized payment or transfer from your Account has occurred. Contacting us by telephoning may be the best way of keeping your potential losses to a minimum. You could lose all the money in your Account, plus the any applicable maximum “Check Protect Account” balance, as identified in your Account Agreement and Disclosures. If you inform us of the lost or stolen User ID or password within two (2) Business Days after you learn of the loss or theft, you can lose no more than fifty dollars ($50), if someone uses your User ID and password without your permission. If you do NOT notify us within two (2) Business Days after learning about the loss or theft of your User ID and/or password and we can prove that such loss or theft may have been stopped or minimized had you promptly notified us, then you could lose as much as five hundred dollars ($500.00). Also, if you identify unauthorized transfers on your Account statement, notify us at once. If you do not notify us within sixty (60) days after the first statement was mailed to you, on which the unauthorized transfer is identified, you may not recover any money you lose after the 60-day period and any further right to make a claim will be waived. c. If you believe your User ID and/or password has been lost, stolen, compromised, or that someone has transferred or may transfer money from your Account without your permission, call us at 0-000-000-0000. Although telephoning us is the best way to minimize your losses, you may also notify us in writing at MidFirst MoneyLine, 000 EFT Representative at the following address: X.X. Xxxxx Xxxx. Xxxxx 000Xxx 00000, Xxxxxxxx Xxxx, XX Xxxxxxxx, 00000-0000. d. If you think your Account statement is wrong or inaccurate, or if you need more information about a payment or a transfer listed on the statement, you must notify us no later than sixty (60) days after we sent the FIRST statement on which the problem or error appeared. Your notice should include: 1) Your name and Account number. 2) A description of the error or the transfer you are questioning and an explanation of why you believe it is an error or why you need more information. Your explanation should be as clear and complete as possible. 3) The dollar amount of the suspected error. If you notify us verbally, we may require you send us your complaint or question in writing within ten (10) Business Days. Once notified we will begin our review and within ten (10) Business Days after we receive your written complaint or question, we will determine whether an error occurred and if the error is confirmed, we will correct the error promptly. If we need more time, however, we may decide to take up to forty-five (45) days to investigate your complaint or question. If we decide to do this, we will provisionally credit your Account within ten (10) Business Days after we receive your written complaint or question for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) Business Days, we may not provisionally credit your Account. For New Accounts, the Bank may take up to ninety (90) days to investigate your complaint or question, provided we provisionally credit your Account for the amount in question within twenty (20) Business Days following notice from you. If Bank request your complaint or question be put in writing and Bank does not receive such writing within ten (10) Business Days following such request, then Bank may not provide you with a provisional credit. f. In the case of an error or if you have questions about your electronic (or ACH) transfers, please call us at 1-866- 000-0000 or write us at MidFirst Bank, X.X. Xxx 00000, Xxxxxxxx Xxxx, Xxxxxxxx 00000, Attention: EFT Representative. We will notify you the results within three (3) Business Days after completing our investigation into any error brought to our attention. If we decide there was no error, we will send you a written explanation and settle the Account. You may ask for copies of the documents that we used in our investigation. If no error is found and we provided provisional credit to you during the investigation period, such provisional credit will be debited from your Account upon the completion of the investigation finding of no error. We will notify you of the date and the amount, which is to be debited (or refunded back to Bank for the provisional credit) from your Account. Bank will honor overdrafts, up to the provisional credit amount (or amount debited from your Account), for up to five (5) Business Days following the date of debiting the provisional credit from your Account, at no charge to you. g. In the event you require a stop payment on your Account and if you have told us in advance to make regular payments out of your Account, you can stop any of these payments by calling us at 0-000-000-0000 or writing us at MidFirst MoneyLine, 000 X.X. Xxxxx Xxxx. Xxxxx 000, Xxxxxxxx Xxxx, XX 00000 with sufficient time for us to receive your request, not less than three (3) Business Days before the payment is scheduled to be made. If you instruct us verbally, we may require that you put your request in writing. Stop payment requests are subject to applicable fees and charges as set forth in the Fee Schedule. h. If you have arranged for direct deposits to be made to your Account, you can access your Account online pursuant to this Agreement or call us at 0-000-000-0000 to determine if the deposit has been made. i. If we do not complete a transfer to or from your Account on time or in the correct amount according to our agreement with you and your instructions, any liability is limited to the actual losses or damages incurred by you. Bank shall not be liable for the following: 1. If, through no fault of ours, you do not have enough money in your Account to make the transfer; 2. If the Services are not working properly and you know or knew about the breakdown when you started the transfer; 3. If your computer, Internet access, or modem is or was not working properly; 4. If the Payee mishandles or delays in handling payments sent by us; 5. If you have not provided us with the correct Payee name, address, account information, or payment amount or if you provided any incorrect or inaccurate information; 6. If circumstances beyond our control, (such as fire or flood, terrorism, government shut-down, an act of God, system failures, or Internet down time or service provider connectivity problems), prevent the transfer, despite reasonable precautions that we have taken; 7. If the funds are subject to legal or other encumbrance or restriction; and/or 8. Federal Reserve Board, Office of the Comptroller of the Currency, Federal Deposit Insurance Corporation (“FDIC”), or federal or state banking regulations might prohibit such transfer.ten

Electronic Fund Transfer Disclosures. This section applies only to Consumer Accounts. By your application for and use of the Services, you acknowledge acceptance of these “Electronic Funds Transfer Disclosures,” in addition to the terms, conditions, and policies in the Account Agreement and Disclosures and all other documentation referenced therein and herein. a. Electronic Funds Transfers shall have the same meaning as described in the Electronic Fund Transfer Act of 1978 and its implementing guidelines and regulations, including but not limited to transfers for iManage Xxxx Pay Services and People Pay Services. Note that xxxx payments initiated using iManage Xxxx Pay are also subject to the terms and conditions contained in the separate iManage Xxxx Payment Enrollment & Customer Service Agreement, which is agreed to by customers for use of iManage Xxxx Pay Services. People Pay Services are subject to additional terms and conditions also, which are contained in the separate iManage People Pay Enrollment and Customer Service Agreement. b. You must notify us AT ONCE should you believe your User ID or password has been compromised, lost, or stolen or if you believe that an unauthorized payment or transfer from your Account has occurred. Contacting us by telephoning may be the best way of keeping your potential losses to a minimum. You could lose all the money in your Account, plus the maximum “Check Protect Account” balance, as identified in your Account Agreement and Disclosures. If you inform us of the lost or stolen User ID or password within two (2) Business Days after you learn of the loss or theft, you can lose no more than fifty dollars ($50), if someone uses your User ID and password without your permission. If you do NOT notify us within two (2) Business Days after learning about the loss or theft of your User ID and/or password and we can prove that such loss or theft may have been stopped or minimized had you promptly notified us, then you could lose as much as five hundred dollars ($500.00). Also, if you identify unauthorized transfers on your Account statement, notify us at once. If you do not notify us within sixty (60) days after the first statement was mailed to you, on which the unauthorized transfer is identified, you may not recover any money you lose after the 60-day period and any further right to make a claim will be waived. c. If you believe your User ID and/or password has been lost, stolen, compromised, or that someone has transferred or may transfer money from your Account without your permission, call us at 0-000-000-0000. Although telephoning us is the best way to minimize your losses, you may also notify us in writing at 1st Century Bank, a division of MidFirst MoneyLineBank, 000 X.X. 0000 Xxxxxxx Xxxx Xxxx, Xxxxx Xxxx. Xxxxx 0000000, Xxxxxxxx XxxxXxx Xxxxxxx, XX 00000-0000. d. If you think your Account statement is wrong or inaccurate, or if you need more information about a payment or a transfer listed on the statement, you must notify us no later than sixty (60) days after we sent the FIRST statement on which the problem or error appeared. Your notice should include: 1) Your name and Account number. 2) A description of the error or the transfer you are questioning and an explanation of why you believe it is an error or why you need more information. Your explanation should be as clear and complete as possible. 3) The dollar amount of the suspected error. If you notify us verbally, we may require you send us your complaint or question in writing within ten (10) Business Days. Once notified we will begin our review and within ten (10) Business Days after we receive your written complaint or question, we will determine whether an error occurred and if the error is confirmed, we will correct the error promptly. If we need more time, however, we may decide to take up to forty-five (45) days to investigate your complaint or question. If we decide to do this, we will provisionally credit your Account within ten (10) Business Days after we receive your written complaint or question for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) Business Days, we may not provisionally credit your Account. For New Accounts, the Bank may take up to ninety (90) days to investigate your complaint or question, provided we provisionally credit your Account for the amount in question within twenty (20) Business Days following notice from you. If Bank request your complaint or question be put in writing and Bank does not receive such writing within ten (10) Business Days following such request, then Bank may not provide you with a provisional credit. f. e. In the case of an error or if you have questions about your electronic (or ACH) transfers, please call us at 1310-866- 000-0000 270- 9500 or write us at 1st Century Bank, a division of MidFirst Bank, X.X. Xxx 00000, Xxxxxxxx 0000 Xxxxxxx Xxxx Xxxx, Xxxxxxxx Xxxxx 0000, Xxx Xxxxxxx, XX 00000, Attention: EFT Representative. We will notify you the results within three (3) Business Days after completing our investigation into any error brought to our attention. If we decide there was no error, we will send you a written explanation and settle the Account. You may ask for copies of the documents that we used in our investigation. If no error is found and we provided provisional credit to you during the investigation period, such provisional credit will be debited from your Account upon the completion of the investigation finding of no error. We will notify you of the date and the amount, which is to be debited (or refunded back to Bank for the provisional credit) from your Account. Bank will honor overdrafts, up to the provisional credit amount (or amount debited from your Account), for up to five (5) Business Days following the date of debiting the provisional credit from your Account, at no charge to you. g. f. In the event you require a stop payment on your Account and if you have told us in advance to make regular payments out of your Account, you can stop any of these payments by calling us at 0310-000270-000-0000 9500 or writing us at 1st Century Bank, a division of MidFirst MoneyLineBank, 000 X.X. 0000 Xxxxxxx Xxxx Xxxx, Xxxxx Xxxx. Xxxxx 0000000, Xxxxxxxx XxxxXxx Xxxxxxx, XX 00000 with sufficient time for us to receive your request, not less than three (3) Business Days before the payment is scheduled to be made. If you instruct us verbally, we may require that you put your request in writing. Stop payment requests are subject to applicable fees and charges as set forth in the Fee Schedule. h. g. If you have arranged for direct deposits to be made to your Account, you can access your Account online pursuant to this Agreement or call us at 0-000-000-0000 to determine if the deposit has been made. i. h. If we do not complete a transfer to or from your Account on time or in the correct amount according to our agreement with you and your instructions, any liability is limited to the actual losses or damages incurred by you. Bank shall not be liable for the following: 1. i. If, through no fault of ours, you do not have enough money in your Account to make the transfer; 2ii. If the Services are not working properly and you know or knew about the breakdown when you started the transfer; 3iii. If your computer, Internet access, or modem is or was not working properly; 4iv. If the Payee mishandles or delays in handling payments sent by us; 5. v. If you have not provided us with the correct Payee name, address, account information, or payment amount or if you provided any incorrect or inaccurate information; 6vi. If circumstances beyond our control, (such as fire or flood, terrorism, government shut-down, an act of God, system failures, or Internet down time or service provider connectivity problems), prevent the transfer, despite reasonable precautions that we have taken; 7vii. If the funds are subject to legal or other encumbrance or restriction; and/or 8viii. Federal Reserve Board, Office of the Comptroller of the Currency, Federal Deposit Insurance Corporation (“FDIC”), or federal or state banking regulations might prohibit such transfer.

Electronic Fund Transfer Disclosures. This section applies only to Consumer Accounts. By your application for and use of the Services, you acknowledge acceptance of these “Electronic Funds Fund Transfer Disclosures,” in addition to the terms, conditions, and policies in the Account Agreement and Disclosures and all other documentation referenced therein and herein. a. Electronic Funds Fund Transfers shall have the same meaning as described in the Electronic Fund Transfer Act of 1978 and its implementing guidelines and regulations, including including, but not limited to to, transfers for iManage Xxxx the Bill Pay Services Service and People Pay other Services. Note that xxxx payments initiated using iManage Xxxx Pay are also The Zelle® Service is subject to the additional terms and conditions contained in the separate iManage Xxxx Payment Enrollment & Customer Zelle® Service Agreement, which is agreed to by customers for use of iManage Xxxx Pay Services. People Pay Services are subject to additional terms Terms and conditions also, which are contained in the separate iManage People Pay Enrollment and Customer Service AgreementConditions Addendum. b. You must notify Notify us AT ONCE should IMMEDIATELY if you believe your User ID or password has have been compromised, lostor if your device has been lost or stolen, or stolen or if you believe that an unauthorized payment or transfer from your Account has occurred. Contacting us by telephoning may be Telephoning is the best way of keeping minimizing your potential losses to a minimumlosses. You could lose all the money in your Account, plus Account in addition to the maximum “Check Overdraft Protect Account” balanceAccount balance or reach the limit of your Overdraft credit service, as identified in your Account Agreement and Disclosuresif you have elected these services. If you inform tell us of about the compromised User ID or password, or lost or stolen User ID or password device within two (2) Business Days after you learn of the loss or theft, you can lose no more than fifty dollars ($50), ) if someone uses your User ID and or password without your permission. If you do NOT notify us within two (2) Business Days after learning you learn about the compromise of your User ID or password, or loss or theft of your User ID and/or password and we can prove that such loss or theft may have been stopped or minimized had you promptly notified usdevice, then you could lose as much as five hundred dollars ($500.00)500) if we can prove we could have prevented the unauthorized use without your permission if you had timely notified us. Also, if you identify your periodic statement shows unauthorized transfers on your Account statementtransactions, notify us at once. If you do not notify us within sixty (60) days after the first statement was mailed to you, on which the unauthorized transfer is identified, you may not recover any money you lose after the 60-day period and any further right to make a claim will be waivedlost if we can prove that we could have prevented an unauthorized transfer if you had timely notified us. c. If you believe your User ID and/or password has been lost, stolen, compromised, compromised or that someone has transferred or may transfer money from your Account without your permission, during normal business hours, call us MidFirst Bank toll free at 0-000-000-0000888.MIDFIRST (888.643.3477) or visit any MidFirst banking center. Although telephoning us is After normal business hours, call toll free 000.000.0000 and/or write MidFirst Bank, Attention: EFT Representative, P.O. Box 76149, Oklahoma City, Oklahoma, 73147. If an extraordinary reason (such as a hospital stay) keeps you from promptly notifying or telling us, we may, at our discretion, extend the best way to minimize your losses, you may also notify us in writing at MidFirst MoneyLine, 000 X.X. Xxxxx Xxxxnotification time periods. Xxxxx 000, Xxxxxxxx Xxxx, XX 00000-0000. d. If you think your Account statement is wrong or inaccurate, or if you need more information about a payment or a transfer listed on the statement, you must notify us no later than sixty (60) days after we sent the FIRST statement on which the problem or error appeared. Your notice should include: 1) Your name and Account number. 2) A description of the error or the transfer you are questioning and an explanation of why you believe it is an error or why you need more information. Your explanation should be as clear and complete as possible. 3) The dollar amount of the suspected error. If you notify us verbally, we may require you send us your complaint or question in writing within ten (10) Business Days. Once notified notified, we will begin our review and within ten (10) Business Days after we receive your written complaint or question, we will determine whether an error occurred and occurred; if the error is confirmed, we will correct the error promptly. If we need more time, however, we may decide to take up to forty-five (45) days to investigate your complaint or question. This timeframe may be extended to 90 days for a transaction not initiated within a state or resulted from a Pont of Sale debit card transaction. If we decide to do this, we will provisionally credit your Account within ten (10) Business Days after we receive your written complaint or question for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) Business Days, we may not provisionally credit your Account. For New Accounts, the Bank may take up to ninety (90) days to investigate your complaint or question, provided we provisionally credit your Account for the amount in question within twenty (20) Business Days following notice from you. If Bank request your complaint or question be put in writing and Bank does not receive such writing within ten (10) Business Days following such request, then Bank may not provide you with a provisional credit. f. In the case of an error or if you have questions about your electronic (or ACH) transfers, please call us at 1-866- 000-0000 or write us at MidFirst Bank, X.X. Xxx 00000, Xxxxxxxx Xxxx, Xxxxxxxx 00000, Attention: EFT Representative. We will notify you the results within three (3) Business Days after completing our investigation into any error brought to our attention. If we decide there was no error, we will send you a written explanation and settle the Account. You may ask for copies of the documents that we used in our investigation. If no error is found and we provided provisional credit to you during the investigation period, such provisional credit will be debited from your Account upon the completion of the investigation finding of no error. We will notify you of the date and the amount, which is to be debited (or refunded back to Bank for the provisional credit) from your Account. Bank will honor overdrafts, up to the provisional credit amount (or amount debited from your Account), for up to five (5) Business Days following the date of debiting the provisional credit from your Account, at no charge to you. g. In the event you require a stop payment on your Account and if you have told us in advance to make regular payments out of your Account, you can stop any of these payments by calling us at 0-000-000-0000 or writing us at MidFirst MoneyLine, 000 X.X. Xxxxx Xxxx. Xxxxx 000, Xxxxxxxx Xxxx, XX 00000 with sufficient time for us to receive your request, not less than three (3) Business Days before the payment is scheduled to be made. If you instruct us verbally, we may require that you put your request in writing. Stop payment requests are subject to applicable fees and charges as set forth in the Fee Schedule. h. If you have arranged for direct deposits to be made to your Account, you can access your Account online pursuant to this Agreement or call us at 0-000-000-0000 to determine if the deposit has been made. i. If we do not complete a transfer to or from your Account on time or in the correct amount according to our agreement with you and your instructions, any liability is limited to the actual losses or damages incurred by you. Bank shall not be liable for the following: 1. If, through no fault of ours, you do not have enough money in your Account to make the transfer; 2. If the Services are not working properly and you know or knew about the breakdown when you started the transfer; 3. If your computer, Internet access, or modem is or was not working properly; 4. If the Payee mishandles or delays in handling payments sent by us; 5. If you have not provided us with the correct Payee name, address, account information, or payment amount or if you provided any incorrect or inaccurate information; 6. If circumstances beyond our control, (such as fire or flood, terrorism, government shut-down, an act of God, system failures, or Internet down time or service provider connectivity problems), prevent the transfer, despite reasonable precautions that we have taken; 7. If the funds are subject to legal or other encumbrance or restriction; and/or 8. Federal Reserve Board, Office of the Comptroller of the Currency, Federal Deposit Insurance Corporation (“FDIC”), or federal or state banking regulations might prohibit such transfer.ten