Common use of FINANCIAL INSTITUTION’S LIABILITY Clause in Contracts

FINANCIAL INSTITUTION’S LIABILITY. 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, we will be liable for your losses or damages. However, there are some exceptions. We will NOT be liable, for instance:  If, through no fault of ours, you do not have enough money in your account to make the transfer.  If the transfer would go over the credit limit on your overdraft line.  If the automated teller machine where you are making the transfer does not have enough cash.  If the terminal and/or system was not working properly and you knew about the breakdown when you started the transfer.  If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken.  There may be other exceptions stated in our agreement with you. We will disclose information to third parties about your account or the transfers you make:  Where it is necessary for completing transfers,  In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant,  In order to comply with government agency or court orders,  If you give us your written permission, or  As explained in the separate Privacy Policy Disclosure. If you do NOT tell us within 2 business days after you learn of the loss or theft of your card and/or code and we can prove we could have stopped someone from using your card and/or code without your permission if you had told us, you could lose as much as $500.00. Also if your statement shows transfers you did not make including those made by card, code, or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed 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.

FINANCIAL INSTITUTION’S LIABILITY. If we do not complete a an electronic fund transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there There are some exceptions, however. We will NOT not be liable, for instance, if:  If, through • Through no fault of ours, you do not have enough money available funds in your account to make the transfer.  If the ; • The transfer would go over the credit limit on your overdraft line.  ; • Circumstances beyond our control (such as fire, flood, water damage, power failure, strike, labor dispute, computer breakdown, pandemic, telephone line disruption or a natural disaster) or a rolling blackout prevent or delay the transfer despite reasonable precautions taken by us; • If the automated teller machine ATM where you are making the transfer does not have enough cash.  If the terminal and/or ; • The system was not working properly and you knew about the breakdown problem when you started the transfertransaction; • The funds in your account are subject to legal process, an uncollected funds hold or are otherwise not available for withdrawal; • The information supplied by you or a third party is incorrect, incomplete, ambiguous or untimely; • The transaction cannot be completed because your debit card is damaged; or • We have reason to believe the transaction may not be authorized by you.  If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken.  There may be other exceptions stated in our agreement with you. We will disclose Tell us AT ONCE if you believe your card, PIN, or code has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission (e.g., using information to third parties about from your check). Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account or the transfers you make:  Where it is necessary for completing transfers,  In order to verify the existence and condition (plus your maximum overdraft line of your account for a third party, such as a credit bureau or merchant,  In order to comply with government agency or court orders,  If you give us your written permission, or  As explained in the separate Privacy Policy Disclosurecredit). If you do NOT tell us within 2 business days Business Days after you learn of the loss or theft of your card and/or card, PIN, or code you can lose no more than $50 if someone used your card, PIN, or 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, PIN, or code and we can prove we could have stopped someone from using your card and/or card, PIN, or code without your permission if you had told us, you could lose as much as $500.00500. Also Also, if your statement shows transfers that you did not make make, including those made by using your card, code, PIN or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed or otherwise made available to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.

FINANCIAL INSTITUTION’S LIABILITY. 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, we will be liable for your losses or damages. However, there are some exceptions. We will NOT not be liable, for instance:  : a. If, through no fault of oursour, you do not have enough money in your account to make the transfer.  transfer/ b. If the transfer would go over the credit limit on your overdraft line.  If the automated teller machine where you are making the transfer does not have enough cash.  . c. If the terminal and/or or system was not properly working properly and you knew about the breakdown when you started the transfer.  . d. If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken.  . e. If the automated teller machine where you are making the transfer does not have enough cash. f. If the funds are subject to legal process or other encumbrance restricting such transfer. g. There may be other exceptions stated in our agreement with you. UNLESS OTHERWISE PROVIDED IN THIS AGREEMENT, YOU (THE CONSUMER) MAY NOT STOP PAYMENT OF ELECTRONIC FUND TRANSFERS, THEREFORE YOU SHOULD NOT EMPLOY ELECTRONIC ACCESS FOR PURCHASES OR SERVICES UNLESS YOU ARE SATISFIED THAT YOU WILL NOT NEED TO STOP PAYMENT. Xxxxxxx Bank In Case of Errors or Questions About Your Electronic Transfers. Xxxxxxx Bank 1. Tell us your name and account number (if any). 2. Describe the error or transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. 3. Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days. We will disclose information determine whether an error occurred within ten (10) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to third parties about forty-five (45) days to investigate your complaint or question. If we decide to do this, we will recredit your account within ten (10) business days 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 the transfers you make:  Where question in writing and we do not receive it is necessary for completing transferswithin ten (10) business days,  In order we may not recredit your account. For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to verify the existence and condition of ninety (90) days to investigate your complaint or question. For new accounts, we may take up to twenty (20) business days to credit your account for a third party, such as a credit bureau or merchant,  In order to comply with government agency or court orders,  If the amount you give us your written permission, or  As explained think is in error. We will tell you the separate Privacy Policy Disclosure. If you do NOT tell us results within 2 three (3) business days after completing our investigation. If we decide that there was no error, we will send you learn a written explanation. You may ask for copies of the loss documents that we used in our investigation. MASTERCARD® CARDHOLDER AGREEMENT The following terms and conditions are agreed to by you and us when we issue you a card at your request. To the extent that any of the following terms and conditions are void or theft unenforceable under applicable law, this Cardholder Agreement shall be treated as if such terms or conditions did not exist and all of the other terms and conditions shall continue in full force and effect. All of the terms set forth in the Initial Disclosure of Terms and Conditions of Electronic Fund Transfer Services are hereby made part of this Cardholder Agreement and shall govern the use of your card. Any account which may be accessed by use of your card and/or code may also be governed by a separate set of rules and we can prove we could have stopped someone from using your card and/or code without your permission if you had told usregulations which shall remain in effect with respect to such account, you could lose as much as $500.00. Also if your statement shows transfers you did not make including those made by card, code, or other means, tell us at once. If you do not tell us within 60 days after unless inconsistent with the statement was mailed to you, you may not get back any money you lost after agreements set forth in this Cardholder Agreement in which case 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 periodsterms and conditions set forth herein shall control.

FINANCIAL INSTITUTION’S LIABILITY. If we do not complete a an electronic fund transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there There are some exceptions, however. We will NOT not be liable, for instance, if:  If, through • Through no fault of ours, you do not have enough money available funds in your account to make the transfer.  transfer;‌ • Circumstances beyond our control (such as fire, flood, water damage, power failure, strike, labor dispute, computer breakdown, pandemic, telephone line disruption or a natural disaster) or a rolling blackout prevent or delay the transfer despite reasonable precautions taken by us;‌ • If the transfer would go over the credit limit on your overdraft line.  If the automated teller machine ATM where you are making the transfer does not have enough cash.  If the terminal and/or cash;‌ • The system was not working properly and you knew about the breakdown problem when you started the transfertransaction;‌ • The funds in your account are subject to legal process, an uncollected funds hold or are otherwise not available for withdrawal;‌ • The information supplied by you or a third party is incorrect, incomplete, ambiguous or untimely; or‌ • We have reason to believe the transaction may not be authorized by you.  If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken.  There may be other exceptions stated in our agreement with you. We will disclose information to third parties about Tell us AT ONCE if you believe your account PIN has been lost or the transfers you make:  Where it is necessary for completing transfers,  In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant,  In order to comply with government agency or court orders,  If you give us your written permissionstolen, or  As explained if you believe that an electronic fund transfer has been made without your permission (e.g., using information from your check). Telephoning is the best way of keeping your possible losses down. You could lose all the money in the separate Privacy Policy Disclosureyour account. If you do NOT tell us within 2 business days Business Days after you learn of the loss or theft of your card and/or code PIN, you can lose no more than $50 if someone used your PIN without your permission. If you do NOT tell us within 2 Business Days after you learn of the loss or theft of your PIN, and we can prove we could have stopped someone from using your card and/or code PIN without your permission if you had told us, you could lose as much as $500.00500. Also Also, if your statement shows transfers that you did not make make, including those made by card, code, using your PIN or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed or otherwise made available to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.

FINANCIAL INSTITUTION’S LIABILITY. 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, we will be liable for your losses or damages. However, there are some exceptions. We will NOT be liable, for instance:  If, through no fault of ours, you do not have enough money in your account to make the transfer.  If we have terminated this Agreement.  If the transfer would go over the credit limit on your overdraft line.  If the automated teller machine terminal where you are making attempted to make the transfer does transaction did not have enough cashcash to allow the transaction.  If the terminal and/or system was not working properly and you knew about the breakdown when you started the transfer.  When your card has been reported lost or stolen or we have good reason to believe that something was wrong with the transaction.  When we receive inaccurate or incomplete information needed to complete a transaction.  If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken.  If the necessary authorization for completing the EFT transfer has been revoked by an operation of law.  There may be other exceptions stated in our agreement with you. We will disclose information to third parties about your account or the transfers you make:  Where it is necessary for completing transfers,  In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant,  In order to comply with government agency or court orders,  If you give us your written permission, or  As explained in the separate Privacy Policy Disclosure. If you do NOT tell us within 2 business days after you learn of the loss or theft of your card and/or code PIN and we can prove we could have stopped someone from using your card and/or code PIN without your permission if you had told us, you could lose as much as $500.00. Also if your statement shows transfers a transfer you did not make including those made by card, code, or other meansmake, tell us at once. If you do not tell us within 60 days after the statement was mailed 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.

FINANCIAL INSTITUTION’S LIABILITY. 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, we will be liable for your losses or damages. However, there are some exceptions. We will NOT not be liable, for instance:  : a. If, through no fault of oursour, you do not have enough money in your account to make the transfer.  transfer/ b. If the transfer would go over the credit limit on your overdraft line.  If the automated teller machine where you are making the transfer does not have enough cash.  . c. If the terminal and/or or system was not properly working properly and you knew about the breakdown when you started the transfer.  . d. If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken.  . e. If the automated teller machine where you are making the transfer does not have enough cash. f. If the funds are subject to legal process or other encumbrance restricting such transfer. g. There may be other exceptions stated in our agreement with you. UNLESS OTHERWISE PROVIDED IN THIS AGREEMENT, YOU (THE CONSUMER) MAY NOT STOP PAYMENT OF ELECTRONIC FUND TRANSFERS, THEREFORE YOU SHOULD NOT EMPLOY ELECTRONIC ACCESS FOR PURCHASES OR SERVICES UNLESS YOU ARE SATISFIED THAT YOU WILL NOT NEED TO STOP PAYMENT. Needham Bank In Case of Errors or Questions About Your Electronic Transfers. Needham Bank 1. Tell us your name and account number (if any). 2. Describe the error or transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. 3. Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days. We will disclose information determine whether an error occurred within ten (10) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to third parties about forty-five (45) days to investigate your complaint or question. If we decide to do this, we will recredit your account within ten (10) business days 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 the transfers you make:  Where question in writing and we do not receive it is necessary for completing transferswithin ten (10) business days,  In order we may not recredit your account. For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to verify the existence and condition of ninety (90) days to investigate your complaint or question. For new accounts, we may take up to twenty (20) business days to credit your account for a third party, such as a credit bureau or merchant,  In order to comply with government agency or court orders,  If the amount you give us your written permission, or  As explained think is in error. We will tell you the separate Privacy Policy Disclosure. If you do NOT tell us results within 2 three (3) business days after completing our investigation. If we decide that there was no error, we will send you learn a written explanation. You may ask for copies of the loss documents that we used in our investigation. MASTERCARD® CARDHOLDER AGREEMENT The following terms and conditions are agreed to by you and us when we issue you a card at your request. To the extent that any of the following terms and conditions are void or theft unenforceable under applicable law, this Cardholder Agreement shall be treated as if such terms or conditions did not exist and all of the other terms and conditions shall continue in full force and effect. All of the terms set forth in the Initial Disclosure of Terms and Conditions of Electronic Fund Transfer Services are hereby made part of this Cardholder Agreement and shall govern the use of your card. Any account which may be accessed by use of your card and/or code may also be governed by a separate set of rules and we can prove we could have stopped someone from using your card and/or code without your permission if you had told usregulations which shall remain in effect with respect to such account, you could lose as much as $500.00. Also if your statement shows transfers you did not make including those made by card, code, or other means, tell us at once. If you do not tell us within 60 days after unless inconsistent with the statement was mailed to you, you may not get back any money you lost after agreements set forth in this Cardholder Agreement in which case 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 periodsterms and conditions set forth herein shall control.

FINANCIAL INSTITUTION’S LIABILITY. 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, we will be liable for your losses or damages. However, there are some exceptions. We will NOT be liable, for instance:  If, through no fault of ours, you do not have enough money in your account to make the transfer.  If the transfer would go over the credit limit on your overdraft line.  If the automated teller machine where you are making the transfer does not have enough cash.  If the terminal and/or system was not working properly and you knew about the breakdown when you started the transfer.  If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken.  There may be other exceptions stated in our agreement with you. We will disclose information to third parties about your account or the transfers you make:  Where it is necessary for completing transfers,  In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant,  In order to comply with government agency or court orders,  If you give us your written permission, or  As explained in the separate Privacy Policy Disclosure. If you do NOT tell us within 2 business days after you learn of the loss or theft of your card and/or code and we can prove we could have stopped someone from using your card and/or code without your permission if you had told us, you could lose as much as $500.00. Also Also, if your statement shows transfers you did not make including those made by card, code, or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed 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.

FINANCIAL INSTITUTION’S LIABILITY. 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, we will be liable for your losses or and damages. However, there are some exceptions. We will NOT not be liable, for instance:  : (1) If, through no fault of ours, you do not have enough money in your account to make the transfer.  ; (2) If the transfer would go over the credit limit on your overdraft line.  If the automated teller machine ATM where you are making the transfer does not have enough cash.  . (3) If the terminal and/or system was transfer would go over the funds available in your checking, savings or credit line; (4) If the ATM is not working properly and you knew about the breakdown when you started the transfer.  . (5) If you had not notified the Bank of the theft, loss or possible unauthorized use of your card. (6) If circumstances beyond our control (such as fire or flood) prevent the transfer, transfer despite reasonable precautions that we have taken; (7) If the funds in the account are subject to a legal procedure, restriction or garnishment that prevents the transfer of funds.  There may be other exceptions stated In case of errors or questions about your electronic transfers call us at: (000)000-0000 (mobile and metropolitan area in our agreement with youPR) or toll-free at 0-000-000-0000 (outside the metropolitan area, PR, USVI and BVI); phones available for hearing impaired audio (TDD): (000)000-0000 (metropolitan area in PR) or toll-free at 0-000-000-0000 (outside the metropolitan area in PR, USVI and BVI); or write us at: Banco Popular de Puerto Rico, Customer Contact Center (714), XX Xxx 000000, Xxx Xxxx, Puerto Rico 00936- 2708, as soon as you can if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We will disclose information to third parties must hear from you no later than sixty (60) days after we sent the FIRST statement in which the problem or error appeared. (1) Tell us your name and account number (if any), (2) Describe the error or transfer you are unsure about your account or the transfers and explain as clearly as you make:  Where can why you believe it is necessary for completing transfers,  In order to verify an error or why you need more information. (3) Tell us the existence and condition dollar amount of your account for a third party, such as a credit bureau or merchant,  In order to comply with government agency or court orders,  If you give us your written permission, or  As explained in the separate Privacy Policy Disclosuresuspected error. If you do NOT tell us within 2 business days after you learn of the loss or theft of your card and/or code and we can prove we could have stopped someone from using your card and/or code without your permission if you had told us, you could lose as much as $500.00. Also if your statement shows transfers you did not make including those made by card, code, or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed 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 usorally, we will extend the time periods.may require that you send us your complaint or question in writing within ten

FINANCIAL INSTITUTION’S LIABILITY. 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, we will be liable for your losses or damages. However; however, there are some exceptions. We will NOT be liable, for instance:  If, through no fault of ours, you do not have enough money in your account to make the transfer.  If we have terminated this Agreement.  If the transfer would go over the credit limit on your overdraft line.  If the automated teller machine terminal where you are making attempted to make the transfer does transaction did not have enough cashcash to allow the transaction.  If the terminal and/or system was not working properly and you knew about the breakdown when you started the transfer.  When your card has been reported lost or stolen or we have good reason to believe that something was wrong with the transaction.  When we receive inaccurate or incomplete information needed to complete a transaction.  If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken.  If the necessary authorization for completing the EFT transfer has been revoked by an operation of law.  There may be other exceptions stated in our agreement with you. We will disclose information to third parties about your account or the transfers you make:  Where it is necessary for completing transfers,  In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant,  In order to comply with government agency or court orders,  If you give us your written permission, or  As explained in the separate Privacy Policy Disclosure. If you do NOT tell us within 2 business days after you learn of the loss or theft of your card and/or code PIN and we can prove we could have stopped someone from using your card and/or code PIN without your permission if you had told us, you could lose as much as $500.00. Also if your statement shows transfers a transfer you did not make including those made by card, code, or other meansmake, tell us at once. If you do not tell us within 60 days after the statement was mailed 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.

FINANCIAL INSTITUTION’S LIABILITY. 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, we will be liable for your losses or damages. However, there are some exceptions. We will NOT not be liable, for instance:  • If, through no fault of ours, you do not have enough money in your account to make the transfer.  • If the transfer would go over the credit limit on your overdraft line.  If the automated teller machine where you are making the transfer does not have enough cash.  If the terminal and/or system was not working properly and you knew about the breakdown when you started the transfer.  • If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken.  • There may be other exceptions stated in our agreement with you. We will disclose information to third parties about Your liability for unauthorized EFTs. Tell us at once if you believe your user name, password, or Device has been lost or stolen. 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 the transfers you make:  Where it is necessary for completing transfers,  In order to verify the existence and condition theft of your account for a third partyuser name, such as a credit bureau or merchant,  In order to comply with government agency or court orders,  If you give us your written permissionpassword, or  As explained in the separate Privacy Policy DisclosureDevice, you can lose no more than $50 if someone used your user name, password or Device without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft of your card and/or code user name, password or Device, and we can prove we could have stopped someone from using your card and/or code user name, password or Device without your permission if you had told us, you could lose as much as s $500.00500. Also if If your statement shows transfers that you did not make make, including those made by card, code, or other meansmobile banking, tell us at once. If you do not tell us within 60 days after the statement was mailed 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 may extend the time periods.period. Error Resolution Procedures. In case of errors or questions about your electronic transfers, you agree to call or write us at 000.000.0000 or Blue Ridge Bank, PO Box 609, Luray, VA 22835-0609, as soon as you can, if you think your statement is wrong or if you need more information about a transfer listed on the statement. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. • Tell us your name and account number. • Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. • Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days (5 business days if involving a Visa point-of- sale transaction processed by Visa or 20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account, a point-of-sale transaction, or a foreign-initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (5 business days if involving a Visa point-of-sale transaction processed by Visa or 20 business days if the transfer involved a new account) 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 10 business days, we may not credit your account. An account is considered a new account for 30 days after the first deposit is made, if you are a new customer. We will tell you the results within 3 business days after completing the investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. Periodic Statements. You will receive a period account statement. Disclosure of Account Information. We will disclose information to third parties about your Account or the transactions you make:

FINANCIAL INSTITUTION’S LIABILITY. ‌ If we do not complete a an electronic fund transfer to or from your account on time or in the correct amount according to our agreement amountaccording toouragreement with you, we will be liable for your losses foryourlosses or damages. However, there There are some exceptions, however. We will NOT not be liable, for instance, if:  If, through • Through no fault of ours, you do not have enough money available funds in your account to make the transfer.  ; • Circumstancesbeyondour control (such as fire,flood,water damage,power failure, strike,labordispute,computer breakdown,pandemic,telephonelinedisruption or a natural disaster) or a rolling blackout prevent or delay the transfer despite reasonable precautions taken by us; • If the transfer would go over the credit limit on your overdraft line.  If the automated teller machine ATM where you are making the transfer does not have enough cash.  If the terminal and/or ; • The system was not working properly and you knew about the breakdown problem when you started the transfertransaction; • The funds in your account are subject to legal process, an uncollected funds hold or are otherwise not available forwithdrawal; • Theinformation supplied by you or a third party is incorrect,incomplete, ambiguousor untimely; or • We have reason to believe the transaction may not be authorized by you .  If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken.  There may be other exceptions stated in our agreement with youyou . We will disclose Consumer Liability‌ Tellus AT ONCE if you believe your PIN has been lost or stolen, or if you believethat an electronic fund transfer has been made without your permission (e.g., using information to third parties about from your check). Telephoning is the best way of keeping your possible losses down . You could lose all the money in your account or the transfers you make:  Where it is necessary for completing transfers,  In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant,  In order to comply with government agency or court orders,  If you give us your written permission, or  As explained in the separate Privacy Policy Disclosure. If you do NOT tell us within 2 business days Business Days after you learn of the loss or theft of your card and/or code PIN, you can lose no more than $50 if someone used your PIN without your permission . If you do NOT tell us within 2 Business Days after you learn of the loss or theft of your PIN, and we can prove we could have stopped someone from using your card and/or code PIN without your permission if you had told us, you could lose as much as $500.00500 . Also Also, if your statement shows transfers that you did not make make, including those made by card, code, using your PIN or other means, tell us at onceonce . If you do not tell us within 60 days after the statement was mailed or otherwise made available to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periodsperiods .