Common use of IN THE EVENT OF UNAUTHORIZED TRANSFER Clause in Contracts

IN THE EVENT OF UNAUTHORIZED TRANSFER. If you believe your password has been lost or stolen, or that someone has transferred or may transfer money from your account without your permission, call: (000) 000-0000 or e- mail: XXX@xxxxxxxxxx.xxx, or write to Avidia Bank, 00 Xxxx Xxxxxx, Xxxx Xxxxxx Xxx 000, Xxxxxx XX 00000. CONSUMER LIABILITY You agree to notify Avidia Bank AT ONCE if you identify unauthorized external funds transfers or if your password has been lost or stolen. You can see a complete statement of all your funds transfers affected or pending at any time by clicking on the History tab within Avidia Bank’s consumer internet banking application. If your statement shows transfers that you did not make, notify Avidia Bank AT ONCE. If you contact Avidia Bank within 2 business days, you can lose no more than $50 if someone used your password without your permission. If you do NOT tell Avidia Bank within 2 business days after you learn of the loss or theft of your password, and we can prove we could have stopped someone from using your password without your permission if you had told Avidia Bank, you could lose as much as $500. If you do not tell Avidia Bank within 60 days after the transfer was posted to your statement, you may not get back any money you lost after the 60 days, if Avidia Bank can prove that we could have stopped someone from taking the money if you had told us in time. BUSINESS DAYS The external funds transfer feature will process requests for transfers on business days. Our business days are Monday through Friday. External transfers created after 7 PM EST are considered to occur on the next business day. Holidays and Bank Holidays are not included. TYPES OF TRANSFERS External funds transfers can be between accounts at Avidia Bank and other financial Institutions You may transfer funds externally between any two of your accounts about which you have provided the necessary information to initiate and complete an external funds transfer. You may identify up to eight (8) active external accounts at one time. External funds transfer may not be available at all times. Avidia Bank may from time to time make available additional or new features. You will be approved or declined for any such additional service at Avidia Bank’s sole discretion and additional terms and conditions may apply. Please ensure that you have sufficient funds to effect any external funds transfers from your Accounts. Avidia Bank may at any time decline to effect any external fund transfers where we have been unable to verify account ownership or where we believe it may violate applicable law. FEES There is no fee for using the Funds Transfer service.

IN THE EVENT OF UNAUTHORIZED TRANSFER. If you believe your password has been lost or stolen, or that someone has transferred or may transfer money from your account without your permission, call: (000) 000-0000 or e- mail: XXX@xxxxxxxxxx.xxx, or write to Avidia Bank, 00 Xxxx Xxxxxx, Xxxx Xxxxxx Xxx 000, Xxxxxx XX 00000. CONSUMER LIABILITY You agree to notify Avidia the Bank AT ONCE if you identify unauthorized external funds transfers or if your password has been lost or stolen. You can see a complete statement of all your funds transfers affected or pending at any time by clicking on the History tab within Avidia Bank’s consumer internet banking applicationbanking. If your statement shows transfers that you did not make, notify Avidia the Bank AT ONCE. If you contact Avidia the Bank within 2 business days, you can lose no more than $50 if someone used your password without your permission. If you do NOT tell Avidia Bank the bank within 2 business days after you learn of the loss or theft of your password, and we can prove we could have stopped someone from using your password without your permission if you had told Avidia the Bank, you could lose as much as $500. If you do not tell Avidia the Bank within 60 days after the transfer was posted to your statement, you may not get back any money you lost after the 60 days, if Avidia the Bank can prove that we could have stopped someone from taking the money if you had told us in time. BUSINESS DAYS The external funds transfer feature will process requests for transfers on business days. Our business days are Monday through Friday. External transfers created after 7 PM EST are considered to occur on the next business day. Holidays and Bank Holidays are not included. TYPES OF TRANSFERS External funds transfers can be between accounts at Avidia the Bank and other financial Institutions You may transfer funds externally between any two of your accounts about which you have provided the necessary information to initiate and complete an external funds transfer. You may identify up to eight (8) active external accounts at one time. External funds transfer may not be available at all times. Avidia The Bank may from time to time make available additional or new features. You will be approved or declined for any such additional service at Avidia the Bank’s sole discretion and additional terms and conditions may apply. Please ensure that you have sufficient funds to effect any external funds transfers from your Accounts. Avidia The Bank may at any time decline to effect any external fund transfers where we have been unable to verify account ownership or where we believe it may violate applicable law. FEES There is no fee for using the Funds Transfer service.

IN THE EVENT OF UNAUTHORIZED TRANSFER. If you believe your password Online Banking Username, Password and/or your Shared Secret Code has been lost or stolen, or that someone has transferred or may transfer money from your account Financial Institution Account(s) without your permission, call: (contact us at once by calling 000) -000-0000 or e- mail: XXX@xxxxxxxxxx.xxx, or write Monday –Friday from 8:30 a.m. to Avidia Bank, 00 Xxxx Xxxxxx, Xxxx Xxxxxx Xxx 000, Xxxxxx XX 00000. 5:30 p.m. CONSUMER LIABILITY You agree to notify Avidia Bank us AT ONCE if you identify unauthorized external funds transfers or if believe your password has been lost or stolen. You can see a complete statement of all Telephoning us at 000- 000-0000 promptly is the best way to protect your funds transfers affected or pending at any time by clicking on the History tab within Avidia Bank’s consumer internet banking application. If your statement shows transfers that you did not make, notify Avidia Bank AT ONCEself from possible losses. If you contact Avidia Bank never tell us, you could lose all of the money in your account (plus your maximum overdraft line of credit). However, if you tell us within 2 business daysdays that someone used your password without your permission, you can lose no more than $50 if someone used your password without your permission50. If you do NOT tell Avidia Bank us within 2 business days after you learn of the loss or theft of your password, and we can prove we could have stopped someone from using your password without your permission if you had told Avidia Bankus, you could lose as much as $500. You can see a complete statement of all your POPMoney transfers completed or pending at any time by clicking on the Activity tab. If your statement shows transfers that you did not make, notify us AT ONCE. If you do not tell Avidia Bank us within 60 days after the transfer was posted to your statement, you may not get back any money you lost after the 60 days, if Avidia Bank we can prove that we could have stopped someone from taking the money if you had told us in time. BUSINESS DAYS Business Days The external funds transfer feature Service will process requests for transfers on business daysdays until 5 p.m. CST. Our business days are Monday through Friday. External transfers created after 7 PM EST are considered to occur on the next business day. Holidays and Bank Holidays are not included. TRANSFER TYPES OF TRANSFERS External funds transfers can be between accounts at Avidia Bank and other financial Institutions AND LIMITATIONS You may access POPMoney within the Service to transfer funds externally between any two from one of your accounts about which you have provided the necessary information Accounts to initiate and complete an external funds transferaccount of a Recipient. You may identify send POPMoney to a Recipient via a text message to their mobile telephone number or an email message to their email address, or by providing us with the recipient’s account number and bank routing number. POPMoney transfers are limited to an aggregate of $2,000. This means $2,000 in total for outstanding outbound and incoming POPMoney transfers relating to all of your accounts. You may make up to eight $8,000 in POPMoney transfers (8) active external accounts at one timeoutbound payments to others or receipt of incoming funds to your account from others) within a rolling 30-day period. External funds transfer may not be available at all times. Avidia Bank We may from time to time for security and risk management reasons modify the limit, the frequency and the dollar amount of transfers you can make available additional using our Service. We reserve the right to change from time to time the dollar amount of POPMoney transfers you are permitted to make using our Service. Additionally, there are limits to the number of transfers you can make from your Financial Institution savings account. Please refer to your copy of the account disclosures provided to you when you opened your account. Generally, POPMoney transfers are completed within 3 business days. If the POPMoney transfer is initiated by sending an email or new featuresmobile phone text message the Recipient, the Recipient must respond by providing their bank routing number and checking account number to the Service within 10 business days. If the Recipient fails to respond timely with the required information, the POPMoney transfer will be cancelled/voided. You may make one-time POPMoney transfers to Recipients or you may establish recurring/scheduled transfers to a Recipient. You may cancel a recurring POPMoney transfer until 5 p.m. CST on the business day the transfer is scheduled to be made by accessing POPMoney in our Online Banking website. If you need to stop a POPMoney transfer after it is sent, please contact us at 000-000-0000 and we will attempt to retrieve it for you. However, we may be approved or declined for any such additional service at Avidia Bank’s sole discretion unable to stop the payment. Without limiting the foregoing, in the event that your use of the POPMoney Service has been suspended and additional terms reinstated as provided herein (see "Suspension and conditions Reinstatement of POPMoney Service" below), you understand and agree that your use of the Service thereafter may applybe subject to lower dollar amount limitations than would otherwise be permitted by us. Please ensure that you have sufficient funds REJECTION OF TRANSFERS We reserve the right to effect any external funds transfers from your Accounts. Avidia Bank may at any time decline to effect effect/complete any external fund transfers where we have been unable POPMoney transfer, to verify account ownership submit funds transfer instructions or where we believe it may violate applicable law. FEES There is no fee for using the Funds Transfer serviceorders, or to carry out any change or cancellation requests.

IN THE EVENT OF UNAUTHORIZED TRANSFER. If you believe your password has been lost or stolen, or that someone has transferred or may transfer money from your account without your permission, call: (000) 000-0000 or e- e-mail: XXX@xxxxxxxxxx.xxx, or write to Avidia Bank, 00 Xxxx Xxxxxx, Xxxx Xxxxxx Xxx 000, Xxxxxx XX 00000. CONSUMER LIABILITY You agree to notify Avidia the Bank AT ONCE if you identify unauthorized external funds transfers or if your password has been lost or stolen. You can see a complete statement of all your funds transfers affected or pending at any time by clicking on the History tab within Avidia Bank’s consumer internet banking applicationbanking. If your statement shows transfers that you did not make, notify Avidia the Bank AT ONCE. If you contact Avidia the Bank within 2 business days, you can lose no more than $50 if someone used your password without your permission. If you do NOT tell Avidia Bank the bank within 2 business days after you learn of the loss or theft of your password, and we can prove we could have stopped someone from using your password without your permission if you had told Avidia the Bank, you could lose as much as $500. If you do not tell Avidia the Bank within 60 days after the transfer was posted to your statement, you may not get back any money you lost after the 60 days, if Avidia the Bank can prove that we could have stopped someone from taking the money if you had told us in time. BUSINESS DAYS The external funds transfer feature will process requests for transfers on business days. Our business days are Monday through Friday. External transfers created after 7 PM EST are considered to occur on the next business day. Holidays and Bank Holidays are not included. TYPES OF TRANSFERS External funds transfers can be between accounts at Avidia the Bank and other financial Institutions You may transfer funds externally between any two of your accounts about which you have provided the necessary information to initiate and complete an external funds transfer. You may identify up to eight (8) active external accounts at one time. External funds transfer may not be available at all times. Avidia The Bank may from time to time make available additional or new features. You will be approved or declined for any such additional service at Avidia the Bank’s sole discretion and additional terms and conditions may apply. Please ensure that you have sufficient funds to effect any external funds transfers from your Accounts. Avidia The Bank may at any time decline to effect any external fund transfers where we have been unable to verify account ownership or where we believe it may violate applicable law. FEES There is no fee for using the Funds Transfer serviceservice FREQUENCY OF TRANSFERS The Bank does not limit the number of external funds transfers you may make; however, you we may from time to time for security and risk management reasons modify the limit on the number of transfers you can make using our the external funds transfer feature. DOLLAR AMOUNT OF TRANSFERS When you initiate an External Transfer from your account at another Financial Institution (FI) to your Avidia Bank account, you are initiating an ACH debit transfer to your external account and a corresponding credit to your Avidia Bank account. These credits will be available for withdrawal no later than five business days after you initiate the External Transfer. TRANSFERS SUBJECT TO THE RULES OF THE ACCOUNTS External funds transfers are also subject to the rules and regulations governing the related accounts. You agree not to effect any external funds transfers from or to accounts that are not allowed under the rules or regulations applicable to such accounts including, without limitation, rules or regulations designed to prevent the transfer of funds in violation of OFAC regulations.