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 your agreement with us, 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 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 your agreement with us. IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. You will telephone us at (000)000-0000 or write us at FARMERS & MERCHANTS BANK, Miamisburg Office, 00 X Xxxxx Xx, Xxxxxxxxxx, XX 00000 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 must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. You will:  Tell us your name and account number (if any).  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 can 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 (20 business days if 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 point-of-sale transaction, or new account, 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 (20 business days if 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. For the purpose of this paragraph, an account is a new account for a period of 30 days from the date of the first deposit to the account. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You can ask for copies of the documents that we used in our investigation.

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 your agreement with us, 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 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 your agreement with us. IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. You will telephone contact us at (000)000-0000 or write us at FARMERS & MERCHANTS BANK, Miamisburg Office, 00 X Xxxxx Xx, Xxxxxxxxxx, XX 00000 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 must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. See Bank Contact Information section of this disclosure for contact information. You will:  • Tell us your name and account number (if any).  • Describe the error or the transfer you are unsure about, 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 can 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 MasterCard Checkcard point-of-sale transaction, and 20 business days if 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 point-of-sale transaction, or new account, 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 MasterCard Checkcard point-of-sale transaction, and 20 business days if 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. For the purpose of this paragraph, an account is a new account for a period of 30 days from the date of the first deposit to the account. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will debit your account for any provisional credit given and send you a written explanation. You can may ask for copies of the documents that we used in our investigation.

FINANCIAL INSTITUTION’S LIABILITY. If we do not complete a transfer to or from your account on time, time or in the correct amount according to your our agreement with usyou, 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 or 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 your our agreement with usyou. IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERSCONFIDENTIALITY 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. You will telephone UNAUTHORIZED TRANSFER Consumer Liability: Tell us at (000)000-0000 or write us at FARMERS & MERCHANTS BANK, Miamisburg Office, 00 X Xxxxx Xx, Xxxxxxxxxx, XX 00000 as soon as you can, AT ONCE if you think believe your statement card and/or code has been lost or receipt is wrong stolen or if you need more believe that an electronic fund transfer has been made without your permission using information about a transfer listed on from your check. Telephoning is the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appearedbest way of keeping your possible losses down. You will:  Tell us could lose all the money in your name and account number (if anyplus your maximum overdraft line of credit).  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 orallywithin 2 business days after you learn of the loss or theft of your card and/or code, you can lose no more than $50.00 if someone used your card and/or code without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft of your card and/or code and we can require that prove we could have stopped someone from using your card and/or code without your permission if you send 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 your complaint or question in writing at once. If you do not tell us within 10 business days. We will determine whether an error occurred within 10 business 60 days (20 business after the statement was mailed to you, you may not get back any money you lost after the 60 days if new account) after we hear can prove that we could have stopped someone from taking the money if you and will correct any error promptlyhad told us in time. If we need more time, however, we may take up to 45 days a good reason (90 days if point-of-sale transaction, or new account, such as a long trip or a foreign initiated transferhospital stay) to investigate your complaint or question. If we decide to do thiskept you from telling us, we will credit your account within 10 business days (20 business days if new account) for the amount you think is in error, so that you will have the use of the money during extend 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. For the purpose of this paragraph, an account is a new account for a period of 30 days from the date of the first deposit to the account. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You can ask for copies of the documents that we used in our investigationperiods.

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 your agreement with us, 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 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 your agreement with us. IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. You will telephone us at (000)000-0000 or write us at FARMERS & MERCHANTS BANK, Miamisburg Office, 00 X Xxxxx Xx, Xxxxxxxxxx, XX 00000 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 must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. You will:  • Tell us your name and account number (if any).  • 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 can 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 (20 business days if 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 point-of-sale transaction, or new account, 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 (20 business days if 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. For the purpose of this paragraph, an account is a new account for a period of 30 days from the date of the first deposit to the account. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You can ask for copies of the documents that we used in our investigation.

FINANCIAL INSTITUTION’S LIABILITY. If we do not complete a an electronic fund transfer to or from your account on time, time or in the correct amount according to your our agreement with usyou, we will be liable for your losses or damages. However, there There are some exceptions, however. We will 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 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 your our agreement with usyou. IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. You will telephone Consumer Liability Tell us at (000)000-0000 or write us at FARMERS & MERCHANTS BANK, Miamisburg Office, 00 X Xxxxx Xx, Xxxxxxxxxx, XX 00000 as soon as you can, AT ONCE if you think believe your statement PIN has been lost or receipt is wrong stolen, or if you need more believe that an electronic fund transfer has been made without your permission (e.g., using information about a transfer listed on from your check). Telephoning is the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appearedbest way of keeping your possible losses down. You will:  Tell us could lose all the money in your name and account number (if any).  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 erroraccount. If you tell us orallywithin 2 Business Days after you learn of the loss or theft of your 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 require prove we could have stopped someone from using your PIN without your permission if you had told us, you could lose as much as $500. Also, if your statement shows transfers that you send did not make, including those made using your PIN or other means, tell us your complaint at once. If you do not tell us within 60 days after the statement was mailed or question in writing within 10 business days. We will determine whether an error occurred within 10 business days (20 business otherwise made available to you, you may not get back any money you lost after the 60 days if new account) after we hear can prove that we could have stopped someone from taking the money if you and will correct any error promptlyhad told us in time. If we need more time, however, we may take up to 45 days a good reason (90 days if point-of-sale transaction, or new account, such as a long trip or a foreign initiated transferhospital stay) to investigate your complaint or question. If we decide to do thiskept you from telling us, we will credit your account within 10 business days (20 business days if new account) for the amount you think is in error, so that you will have the use of the money during extend 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. For the purpose of this paragraph, an account is a new account for a period of 30 days from the date of the first deposit to the account. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You can ask for copies of the documents that we used in our investigationperiods.

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 your agreement with us, 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 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 your agreement with us. IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. You will telephone contact us at (000)000-0000 or write us at FARMERS & MERCHANTS BANK, Miamisburg Office, 00 X Xxxxx Xx, Xxxxxxxxxx, XX 00000 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 must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. See Bank Contact Information section of this disclosure for contact information. You will:  Tell us your name and account number (if any).  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 can 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 MasterCard Checkcard point-of-sale transaction, and 20 business days if 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 point-of-sale transaction, or new account, 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 MasterCard Checkcard point-of-sale transaction, and 20 business days if 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. For the purpose of this paragraph, an account is a new account for a period of 30 days from the date of the first deposit to the account. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will debit your account for any provisional credit given and send you a written explanation. You can may ask for copies of the documents that we used in our investigation.

FINANCIAL INSTITUTION’S LIABILITY. If we do not complete a transfer to or from your account on time, time or in the correct amount according to your our agreement with usyou, 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.  line (if any); • If the automated teller machine where you are making the transfer does not have enough cash.  If the terminal 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 your our agreement with usyou. IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. You will telephone us at (000)000-0000 Error Resolution Notice In case of errors or questions about your electronic transfers call or write us at FARMERS & MERCHANTS BANK, Miamisburg Office, 00 X Xxxxx Xx, Xxxxxxxxxx, XX 00000 as soon as you can, the telephone number or address listed below. Notify us immediately 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 must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error first appeared. You will:  • Tell us your name and account number (if any)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 can 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 (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 point-of-sale transaction, or the transfer involved a new account, 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 (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. For the purpose of this paragraph, an Your account is considered a new account for a period of the first 30 days from the date of after the first deposit to the accountis made, unless each of you already has an established account with us before this account is opened. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You can may ask for copies of the documents that we used in our investigation. Confidentiality We will disclose information to third parties about your account or the transfers you make: • where it is necessary for completing transfers; or • in order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; or • in order to comply with government agency or court orders; or • as explained in the separate Privacy Disclosure Limitation of Liability Except as otherwise provided in this Agreement or by law, we are not responsible for any loss, injury, or damage, whether direct, indirect, special, or consequential, caused by the Internet Banking service or the use thereof or arising in any way out of the installation, operation, or maintenance of your PC equipment. Waivers No waiver of the terms of this Agreement will be effective, unless in writing and signed by an officer of this bank. Assignment You may not transfer or assign your rights or duties under this Agreement.

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 your agreement with us, 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 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 your agreement with us. IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. In Case of Errors or Questions about you Electronic Transfers: You will telephone us at (000)000000) 000-0000 or write us at FARMERS & MERCHANTS GRANITE MOUNTAIN BANK, Miamisburg OfficeX.X. Xxx 00, 00 X Xxxxx Xx, XxxxxxxxxxXxxxxxxxxxx, XX 00000 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 must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. You will:  • Tell us your name and account number (if any).  • 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 can 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 VISA Checkcard point-of-sale transaction, and 20 business days if 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 point-of-sale transaction, or new account, 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 VISA Checkcard point-of-sale transaction, and 20 business days if 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. For the purpose of this paragraph, an account is a new account for a period of 30 days from the date of the first deposit to the account. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You can may ask for copies of the documents that we used in our investigation.

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 your agreement with us, 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.  transfer • If the transfer would go over the credit limit on your overdraft line.  line • If the automated teller machine where you are making the transfer does not have enough cash.  cash • If the terminal or system was not working properly and you knew about the breakdown when you started the transfer.  transfer • If circumstances circumstance beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken.  taken • There may be other exceptions stated in your agreement with us. us IN CASE OF OR ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. TRANSFERS You will telephone us at (000)000-0000 or write us at FARMERS & MERCHANTS BANKFirst National Bank, Miamisburg Office000 Xxxx Xxxxxxxxxx Xxx, 00 X Xxxxx Xx, XxxxxxxxxxXxxxxxxxx, XX 00000 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 must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. You will:  • Tell us your name and account number (if any).  ) • 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.  information • Tell us the dollar amount of the suspected error. error If you tell us orally, we can 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 (20 business days if 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 point-of-sale transaction, or new account, 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 (20 business days if 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. For errors involving Visa point-of-sale transactions, we will determine whether an error occurred within 5 business days (or 20 business days if the purpose of this paragraph, an account is transaction involved a new account) after you contact us and will correct any error promptly. We may take up to 90 days to investigate if the transaction involved a new account or foreign-initiated transfer. If we do this, we will still credit your account within 5 business days (20 business days for a period of 30 days from new accounts) for the date amount you think is in error, so that you will have use of the first deposit to the account. We will tell you the results within three business days after completing money during our investigation. If we decide that there was no errorask you to put your complaint or question in writing and we do not receive it within 10 business days, we will send may not credit your account. Your account is considered a new account for the first 30 days after the first deposit is made, unless each of you a written explanation. You can ask for copies of the documents that we used in our investigationalready has an established account with us before this account is opened.