Common use of Liability for Unauthorized Access Clause in Contracts

Liability for Unauthorized Access. You are responsible for all transfers and bill payments you authorize under this Agreement. If you permit other persons to use the Online Money Manager Service or your Username and Password, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell us AT ONCE if you believe anyone has used your Username or Password or accessed your accounts through Online Money Manager without your authorization. This also applies if you believe your Password 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 two business days after you learn of the loss or theft, you can lose no more than the lesser of $50 or the amount of unauthorized EFTs that occur if someone used your Password without your permission. Also, if you do NOT tell us within two 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 us, you could lose as much as $500. Also, if your statement shows transfers that you did not make, 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 hospital stay) kept you from telling us, we will extend the time period. If you believe that someone has transferred or may transfer money from your account without your permission, call us at (000) 000-0000 or write us at United Community Bank, P.O. Box 167, Milford, IA 51351-0167. In case of errors or questions about your electronic transfers, call or write us at the telephone number or address listed above in this disclosure, 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.

Liability for Unauthorized Access. You are responsible for all transfers and bill payments you authorize under this Agreement. If you permit other persons to use the Online Money Manager Service Home Banking service or your Username and Passwordpersonal identification information, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell us AT ONCE at once if you believe anyone has used your Username or Password personal identification information or accessed your accounts through Online Money Manager Home Banking without your authorization. This also applies if you believe your Password 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 two (2) business days, you can lose no more than fifty dollars ($50.00) if someone accesses your accounts without your permission. If you do not tell us within two (2) business days after you learn of the loss or theft, you can lose no more than the lesser of $50 or the amount of unauthorized EFTs that occur if someone used your Password without your permission. Also, if you do NOT tell us within two business days after you learn of the loss or theft use of your Passwordaccount or personal identification information, and we can prove that we could have stopped someone from using accessing your Password account without your permission if you had told us, you could lose as much as five hundred dollars ($500500.00). In any event your liability for unauthorized line of credit transactions through Online Home Banking is fifty dollars ($50.00). Also, if your statement shows Online Home Banking transfers that you did not make, tell us at once. If you do not tell us within 60 sixty (60) days after the statement was mailed to you, you may not get back any money you lost after the 60 sixty days (60) if we can prove that we could have stopped someone from taking making the money transfers if you had told us in time. If a good reason (such as a long trip or hospital stay) kept you from telling us, we will extend the time periodperiods. If you believe that someone has used your personal identification information or has transferred or may transfer money from your account without your permission, call us at (000) 000the Credit Union at: 372-0000 8776 or 800-844-8776 during business hours or write us at United Community Bankthe Credit Union at: Bar-Cons Federal Credit Union 0000 X Xxxx Xx Columbus IN 47201 Our business days are Monday through Friday. Holidays are not included. There are certain charges for Online Home Banking services as set forth on the Credit Union’s Fee Schedule. From time to time, P.O. Box 167the charges may be changed. We will notify you of any changes as required by law. If you request a transfer or check withdrawal from your line of credit account, Milfordsuch transactions may be subject to charges under the terms and conditions of your loan agreement. The Online Home Banking service is free to members. Transfers, IA 51351-0167withdrawals, and xxxx payments transacted through Online Home Banking will be recorded on your periodic statement. You will receive a statement monthly unless there is no transaction in a particular month. In case of errors or questions any case, you will receive a statement at least quarterly. We will disclose information to third parties about your electronic transfers, call account or write us at the telephone number or address listed above in this disclosure, as soon as transfers 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.make:

Liability for Unauthorized Access. You are responsible for all transfers and bill xxxx payments you authorize under this Agreement. If you permit other persons to use the Online Money Manager Service Banking or your Username and Passwordaccess credentials, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell us AT ONCE at once if you believe anyone has used your Username or Password or accessed your accounts through Online Money Manager Banking without your authorization. This also applies if you believe your Password has been lost or stolen. Telephoning is the The best way of keeping to mitigate your possible potential losses downis to contact us immediately by phone at 000-000-0000 during regular business hours or 800-445-4483 during or after regular business hours. You could lose all the money in your account may also contact us in-person at any branch during regular business hours or by writing to SELCO community Credit Union, X.X. Xxx 0000, Xxxxxxxxxxx, Xxxxxx 00000-0000 (plus your maximum overdraft line of creditwe request that you call us as well). If you tell notify us within two (2) business days after you learn learning of the loss or thefttheft of your access credentials or any unauthorized use of your account(s) through Online Banking, you can cannot lose no more than the lesser of fifty dollars ($50 or the amount of unauthorized EFTs that occur if someone used your Password without your permission50.00). Also, if If you do NOT tell fail to notify us within two (2) business days after you learn of the loss or theft of your Passwordaccess credentials or any unauthorized use of your account(s) through Online Banking, and we can prove that we could have stopped someone from using accessing your Password account without your permission if you had told us, you could lose as much as five hundred dollars ($500500.00). Also, if your statement shows Online Banking transfers that you did not make, tell us at once. If you do not tell us within 60 sixty (60) days after the statement was mailed to you, you may not get back any money you lost after the 60 sixty days (60) if we can prove that we could have stopped someone from taking making the money transfers if you had told us in time. If a good reason (such as a long trip or hospital stay) kept you from telling us, we will SELCO may extend the time period. If you believe that someone has transferred or may transfer money from your account without your permission, call us at (000) 000-0000 or write us at United Community Bank, P.O. Box 167, Milford, IA 51351-0167. In case of errors or questions about your electronic transfers, call or write us at the telephone number or address listed above in this disclosure, 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 appearedperiods.

Liability for Unauthorized Access. You are responsible for all transfers and bill payments you authorize under this Agreement. If you permit other persons to use the Online Money Manager Service Home Banking service or your Username and Passwordpersonal identification information, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell us AT ONCE at once if you believe anyone has used your Username or Password personal identification information or accessed your accounts through Online Money Manager Home Banking without your authorization. This also applies if you believe your Password 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 two (2) business days, you can lose no more than fifty dollars ($50.00) if someone accesses your accounts without your permission. If you do not tell us within two (2) business days after you learn of the loss or theft, you can lose no more than the lesser of $50 or the amount of unauthorized EFTs that occur if someone used your Password without your permission. Also, if you do NOT tell us within two business days after you learn of the loss or theft use of your Passwordaccount or personal identification information, and we can prove that we could have stopped someone from using accessing your Password account without your permission if you had told us, you could lose as much as five hundred dollars ($500500.00). In any event your liability for unauthorized line of credit transactions through Online Home Banking is fifty dollars ($50.00). Also, if your statement shows Online Home Banking transfers that you did not make, tell us at once. If you do not tell us within 60 sixty (60) days after the statement was mailed to you, you may not get back any money you lost after the 60 sixty days (60) if we can prove that we could have stopped someone from taking making the money transfers if you had told us in time. If a good reason (such as a long trip or hospital stay) kept you from telling us, we will extend the time periodperiods. If you believe that someone has used your personal identification information or has transferred or may transfer money from your account without your permission, call us at (000) 000-0000 or the Credit Union at: Or write us at United Community Bankthe Credit Union at: Our business days are Monday through Friday. Holidays are not included. There are certain charges for Online Home Banking services as set forth on the Credit Union’s Fee Schedule. From time to time, P.O. Box 167the charges may be changed. We will notify you of any changes as required by law. The Online Home Banking service is free to members. Transfers, Milfordwithdrawals, IA 51351-0167and bill payments transacted through Online Home Banking will be recorded on your periodic statement. You will receive a statement monthly unless there is no transaction in a particular month. In case any case, you will receive a statement at least quarterly. Member who are opting to enroll in e- notices and e-statements, will not receive paper form of errors or questions these communications. If you require and printed paper statement, one can be obtained by calling the office. We will disclose information to third parties about your electronic transfers, call account or write us at the telephone number or address listed above in this disclosure, as soon as transfers 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.make:

Liability for Unauthorized Access. You are responsible for all transfers and bill payments you authorize under this Agreement. If you permit other persons to use the Online Money Manager Service or your Username and PasswordBanking service, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell us AT ONCE at once if you believe anyone has used your Username or Password login information or accessed your accounts through Online Money Manager Banking service without your authorization. This also applies if you believe your Password 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 two business days after you learn of the loss or theft, you can lose no more than the lesser of $50 or the amount of unauthorized EFTs that occur if someone used your Password without your permission. Also, if you do NOT tell us within two 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 us, you could lose as much as $500. Also, if your statement shows transfers that you did not make, 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 hospital stay) kept you from telling us, we will extend the time period. If you believe that someone has used your login information or has transferred or may transfer money from your account without your permission, call us at (the Credit Union at: 000) -000-0000 or 000-000-0000 or write the Credit Union at: LGE Community Credit Union, X.X. Xxx 0000, Xxxxxxxx, XX 00000 Availability: Services are accessible seven days a week, twenty-four hours a day. If we schedule downtime for maintenance, we will notify as warranted. We will attempt to post notices in case of unscheduled downtime but circumstances may prevent such notice. • Review account balances and transaction history • Transfer funds between your accounts and make loan payments • Transfer funds to savings, checking or loan accounts of other members whom have given you express consent • Schedule one-time or recurring transfers in the future or stop payment requests • View, save or print account statements, check copies, or tax notices • Open additional share or apply for a credit card or loan products • Review LGE Credit Card balances, transactions and statements • Make a transfer payment from an LGE savings or checking account to your LGE Credit Card • Set up e-mail notifications and alerts based on account balances, completed transfers, cleared checks, etc. • Export transactions to Quicken or a .CSV file • Submit address, phone or e-mail changes • External Transfer (allows you to schedule one-time transfers between LGE and other financial institutions.) Transaction limit can be imposed at our discretion. • Xxxx Pay (allows you to pay an unlimited number of bills online.) Standard delivery of bills is free. Expedited options will incur charges. • Mobile Banking (some restrictions of access, carriers, and additional fees may apply not instituted by the credit union) We will stop sending paper statements on this account unless you notify us that you no longer wish to receive e-statements; however you can always request a special copy of the statement be created for you. Your Right to Terminate: If you decide to withdraw your consent to do further business electronically with us, the legal validity, and enforceability of prior electronic disclosures will not be affected. You may cancel at any time at no fee, by e-mailing your request to XxxxxxxXxxxxxXxxxxxx@XXXxxx.xxx, or telephoning us at United Community Bank, P.O. Box 167, Milford, IA 51351000-0167. In case of errors 000-0000 or questions about your electronic transfers, call or write writing us at LGE Community Credit Union, X.X. Xxx 0000, Xxxxxxxx, Xx. 00000. Depending on when the telephone number request for cancellation is received, we will cancel your e-alerts within a reasonable amount of time. Once electronic services are terminated or address listed above in this disclosurelimited, as soon as we will begin mailing your paper disclosures, notices, and periodic statements required by federal and state regulations to you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on via 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 appearedU.S. Mail.

Liability for Unauthorized Access. You are liable for all transfers made via your passwords that you authorize or allow. If you permit someone else to use your password(s), you are responsible for any transactions they authorize or conduct on any of your accounts. In order to maintain secure communications and reduce fraud, you agree to protect the security of your numbers, codes, marks, signs, password(s), or other means of identification. We reserve the right to block access to the services to maintain or restore security to your Banking Services and our systems if we reasonably believe your password(s) has been or may be obtained or are being used or may be used by an unauthorized person(s). You will bear the liability or the risk of any error or loss of data, information, transactions or other losses which may be due to the failure of your computer system or third-party communications provider on which you may rely. If your statement shows transfers that you did not make, tell us AT ONCE by calling 260.490.8328 or 800.825.3641 during normal business hours or write: X.X. Xxx 0000, Xxxx Xxxxx, Indiana, 46801. You should also call this number or write to this address if you believe a transfer has been made using the information from your account without your permission. You are responsible for all transfers and bill payments you authorize under this Agreement. If you permit other persons to use the Online Money Manager Service Services or your Username and Passwordaccess code, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell us AT ONCE at once if you believe anyone has used your Username or Password access code or accessed your accounts through Online Money Manager Services without your authorization. This also applies if you believe your Password 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 two (2) business days, you can lose not more than $50 if someone accesses your accounts without your permission. If you do not tell us within two (2) business days after you learn of the loss or theft, you can lose no more than the lesser of $50 or the amount of unauthorized EFTs that occur if someone used your Password without your permission. Also, if you do NOT tell us within two business days after you learn of the loss or theft use of your Passwordaccount or access code, and we can prove that we could have stopped someone from using accessing your Password account without your permission if you had told us, you could lose as much as $500. Also, if your statement shows Banking Services transfers that you did not make, tell us at once. If you do not tell us within 60 sixty (60) days after the statement was mailed to you, you may not get back any money you lost after the 60 sixty days if we can prove that we could have stopped someone from taking making the money transfers if you had told us in time. If a good reason (such as a long trip or hospital stay) kept you from telling us, we will extend the time periodperiods. If you believe that someone has used your access code or has transferred or may transfer money from your account without your permission, call us 3Rivers at (000) 000-0000 000.000.0000 or 800.825.3641 during normal business hours or write us at United Community Bankto: X.X. Xxx 0000, P.O. Box 167Xxxx Xxxxx, MilfordIndiana, IA 51351-0167. In case of errors or questions about your electronic transfers, call or write us at the telephone number or address listed above in this disclosure, 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 appeared46801.

Liability for Unauthorized Access. You are responsible for all transfers and bill payments pays you authorize under this Agreement. If you permit other persons to use the your Online Money Manager Service Banking password or other means to access your Username and Passwordaccount, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell us AT ONCE at once if you believe anyone has used your Username or and/or Password or accessed your accounts through Online Money Manager Banking without your authorization. This also applies if you believe your Password has been lost or stolen. Telephoning is the best way of keeping your possible losses down. You could lose all the money in If someone accesses your account (plus and completes one or more transfers from your maximum overdraft line of credit). If account without your authorization, if you tell us within two (2) business days after your learn of the unauthorized use, you can lose not more than fifty dollars ($50.00). If you do not tell us within two (2) business days after you learn of the loss or theft, you can lose no more than the lesser of $50 or the amount of unauthorized EFTs that occur if someone used your Password without your permission. Also, if you do NOT tell us within two business days after you learn of the loss or theft use of your Passwordaccount, and we can prove that we could have stopped someone from using accessing your Password account and completing transfers without your permission if you had told us, you could lose as much as five hundred dollars ($500500.00). In any event your liability for unauthorized line of credit transactions through Online Banking is fifty dollars ($50.00). Also, if your statement shows Online Banking transfers that you did not make, tell us at once. If you identify unauthorized transfers on your account statement, but you do not tell us within 60 sixty (60) days after the statement (on which the first transfer appears) was mailed to you, you may not get back any money you lost after the 60 days sixty (60) days, if we can prove that we could have stopped someone from taking making the money transfers if you had told us in time. If a good reason (such as a long trip or hospital stay) kept you from telling us, we will extend the time period. If you believe that someone has used your Password or has transferred or may transfer money from your account without your permissionauthorization, call us at the Credit Union at: (000) 000-0000 or write us at United Community Bank, P.O. Box 167, Milford, IA 51351toll free 888-0167. In case of errors or questions about your electronic transfers, call 855-MYCU (6928) or write us at the telephone number or address listed above in this disclosureat: IU Credit Union PO Box 368 Bloomington, 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.IN 47402-0368

Liability for Unauthorized Access. You are responsible for all transfers and bill payments you authorize under this Agreement. If you permit other persons to use the Online Money Manager South Metro Federal Credit Union Home Banking Service or your Username and PasswordAccess Code, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell us AT ONCE at once if you believe anyone has used your Username or Password access code or accessed your accounts through Online Money Manager South Metro Federal Credit Union Home Banking Service without your authorization. This also applies if you believe your Password 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 two (2) business days, you can lose not more than fifty dollars ($50.00) if someone accesses your accounts without your permission. If you do not tell us within two (2) business days after you learn of the loss or theft, you can lose no more than the lesser of $50 or the amount of unauthorized EFTs that occur if someone used your Password without your permission. Also, if you do NOT tell us within two business days after you learn of the loss or theft use of your Passwordaccount or Access Code, and we can prove that we could have stopped someone from using accessing your Password account without your permission if you had told us, you could lose as much as five hundred ($500500.00). In any event your liability for unauthorized line of credit transactions through South Metro Federal Credit Union Home Banking Service is fifty dollars ($50.00). Also, if your statement shows South Metro Federal Credit Union Home Banking Service transfers that you did not make, tell us at once. If you do not tell us within 60 sixty (60) days after the statement was mailed to you, you may not get back any money you lost after the 60 sixty days (60) if we can prove that we could have stopped someone from taking making the money transfers if you had told us in time. If a good reason (such as a long trip or hospital stay) kept you from telling us, we will may extend the time periodperiods. If you believe that unauthorized access has occurred or someone has used your Access Code or has transferred or may transfer money from your account without your permission, call us at (SMFCU at: 000) -000-0000 or E-mail us at: xxxxxxxxxxxxx@xxxxxxxx.xxx or write us at United Community BankSMFCU at: South Metro Federal Credit Union 0000 Xxxxxx Xxxxx Xxxxx Xxxxx Xxxx, P.O. Box 167XX 00000 BUSINESS DAYS - Our business days are Monday through Friday, Milfordexcluding Federal holidays. FEES AND CHARGES - There are certain charges for South Metro Federal Credit Union Home Banking Service as set forth on SMFCU's Fee Schedule. From time to time, IA 51351-0167the charges may be changed. We will notify you of any changes as required by law. PERIODIC STATEMENTS - Transfers, withdrawals, and bill payments transacted through South Metro Federal Credit Union Home Banking Service will be recorded on your periodic statement. You will receive a statement monthly unless there is no transaction in a particular month. In case of errors or questions any case, you will receive a statement at least quarterly. Additionally, through South Metro Federal Credit Union Home Banking Service, you can view all your share savings and checking transaction activity at any time. ACCOUNT INFORMATION DISCLOSURE - We will disclose information to third parties about your electronic transfersaccount or the transfers you make: As necessary to complete transfers and bill payments. To verify the existence of sufficient funds to cover specific transactions upon the request of a payee or a third party, call such as a credit bureau or write merchant. To comply with government agency or court orders. If you give us at the telephone number or address listed above in this disclosure, 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 appearedwritten permission.

Liability for Unauthorized Access. You are responsible for all transfers and bill payments transactions you authorize using Xxxx Pay under this Agreement. If you permit other persons to use the Online Money Manager Service or your Username and Passwordpassword, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell us AT ONCE at once if you believe anyone has used your Username or Password or password and accessed your accounts through Online Money Manager without your authorization. This also applies if you believe your Password has been lost or stolen. Telephoning is the best way of keeping your possible losses down. You could lose all of the money in your account (plus your maximum overdraft line of creditcredit – if applicable). If you tell us within two (2) business days, you can lose no more than $50 if someone accessed your account without your permission. If you do NOT tell us with two (2) business days after you learn of the loss or theft, you can lose no more than the lesser of $50 or the amount of unauthorized EFTs that occur if someone used your Password without your permission. Also, if you do NOT tell us within two business days after you learn of the loss or theft use of your Passwordaccount or password, and we can prove that we could have stopped someone from using accessing your Password account without your permission if you had told us, you could lose as much as $500. Also, if If your statement shows transfers Xxxx Payment transactions that you did not make, tell us at once. If you do not tell us within 60 sixty (60) days after the statement was mailed to youyou or was available to you online if you have requested Electronic Statements, 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 hospital stay) kept you from telling us, we will may extend the time periodperiods. 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 us at : o Call (000) 000-0000 during normal business hours o Contact us electronically at xxxxxxxxxxxxxxxxxxx@xxxxxxxxxx.xxx (email messages received during normal business hours will be handled the same day. All other email messages will be handled the next business day.) o Write to the Credit Union at: Ventura County Credit Union XX Xxx 0000 Xxxxxxx, XX 00000-0000 • Security of Password. Access to Xxxx Pay is obtained through the Credit Union’s Online Banking. Your password is confidential and should not be disclosed to third parties or write recorded. You are responsible for safekeeping your password. You agree not to disclose or otherwise make your password available to anyone not authorized by you to sign on your accounts. If you authorize anyone to have or use your password, you understand that person may use Xxxx Pay to review your account information and make account transactions. Therefore, we are entitled to act on transaction instructions received using your password and you agree that the use of your password will have the same effect as your signature authorizing transactions. If you authorize anyone to use your access code in any manner that authority will be considered unlimited in amount and manner until you specifically revoke such authority by notifying the Credit Union and changing your password immediately. You are responsible for any transactions made by such persons until you notify us that transactions and access by that person are no longer authorized and your password is changed. If you fail to maintain or change the security of these passwords and the Credit Union suffers a loss, we may terminate your Xxxx Pay immediately. • Fees. Currently there are no fees to use Xxxx Pay to make payments. The Credit Union reserves the right to charge and/or change fees for this service in the future. You will receive at United Community Bank, P.O. Box 167, Milford, IA 51351least twenty-0167. In case of errors or questions about your electronic transfers, call or write us at the telephone number or address listed above in one (21) days prior notice before we begin to charge and/or change a fee for using this disclosure, 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 appearedservice.

Liability for Unauthorized Access. You are responsible for all transfers and bill payments you authorize under this Agreement. If you permit other persons to use the Online Money Manager Service Banking service or your Username and Passwordpassword, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell us AT ONCE at once if you believe anyone has used your Username or Password password or accessed your accounts through Online Money Manager Banking without your authorization. This also applies if you believe your Password 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 two (2) business days, you can lose not more than fifty dollars ($50.00) if someone accesses your accounts without your permission. If you do not tell us within two (2) business days after you learn of the loss or theft, you can lose no more than the lesser of $50 or the amount of unauthorized EFTs that occur if someone used your Password without your permission. Also, if you do NOT tell us within two business days after you learn of the loss or theft use of your Passwordaccount or password, and we can prove that we could have stopped someone from using accessing your Password account without your permission if you had told us, you could lose as much as five hundred dollars ($500500.00). In any event your liability for unauthorized line of credit transactions through Online Banking is fifty dollars ($50.00). Also, if your statement shows Online Banking transfers that you did not make, tell us at once. If you do not tell us within 60 sixty (60) days after the statement was mailed to you, you may not get back any money you lost after the 60 sixty days (60) if we can prove that we could have stopped someone from taking making the money transfers if you had told us in time. If a good reason (such as a long trip or hospital stay) kept you from telling us, we will extend the time periodperiods. If you believe that someone has used your password or has transferred or may transfer money from your account without your permission, call the Credit Union at: (000)000-0000 Our business days are Monday through Friday. Holidays are not included. There are certain charges for Online Banking services as set forth on the Credit Union's Fee Schedule. From time to time, the charges may be changed. We will notify you of any changes as required by law. If you request a transfer or check withdrawal from your line of credit account, such transactions may be subject to charges under the terms and conditions of your loan agreement. Transfers, withdrawals, and bill payments transacted through Online Banking will be recorded on your periodic statement. You will receive a statement monthly unless there is no transaction in a particular month. In any case, you will receive a statement at least quarterly. We will disclose information to third parties about your account or the transfers you make: • To verify the existence of sufficient funds to cover specific transactions upon the request of a payee or a third party, such as a credit bureau or merchant. • To comply with government agency or court orders. • If you give us at (000) your written permission. xxx.xxxxxxxx.xxx 000-0000 or write us at United Community Bank, P.O. Box 167, Milford, IA 51351000-0167. In case of errors or questions about your electronic transfers, call or write us at the telephone number or address listed above in this disclosure, 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.0000

Liability for Unauthorized Access. You are responsible for all transfers and bill payments you authorize under this Agreement. If you permit other persons to use the Online Money Manager Service Banking service or your Username and PasswordPIN, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell us AT ONCE at once if you believe anyone has used your Username or Password PIN or accessed your accounts through Online Money Manager Banking without your authorization. This also applies if you believe your Password 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 two (2) business days, you can lose not more than fifty dollars ($50.00) if someone accesses your accounts without your permission. If you do not tell us within two (2) business days after you learn of the loss or theft, you can lose no more than the lesser of $50 or the amount of unauthorized EFTs that occur if someone used your Password without your permission. Also, if you do NOT tell us within two business days after you learn of the loss or theft use of your Passwordaccount or PIN, and we can prove that we could have stopped someone from using accessing your Password account without your permission if you had told us, you could lose as much as five hundred dollars ($500500.00). In any event your liability for unauthorized line of credit transactions through Online Banking is fifty dollars ($50.00). Also, if your statement shows Online Banking transfers that you did not make, tell us at once. If you do not tell us within 60 sixty (60) days after the statement was mailed to you, you may not get back any money you lost after the 60 sixty days (60) if we can prove that we could have stopped someone from taking making the money transfers if you had told us in time. If a good reason (such as a long trip or hospital stay) kept you from telling us, we will extend the time periodperiods. If you believe that someone has used your PIN or has transferred or may transfer money from your account without your permission, call us at the Credit Union at: • (000) 000-0000 0000, Ext. 1 or • 000-000-0000, Ext., during business hours. • Or write us at United Community Bankthe Credit Union at: First Florida Credit Union 000 Xxxx 0 Xxxxxxxxxxxx, P.O. Box 167Xxxxxxx 00000 Street Our business days are Monday through Friday. Holidays are not included. There are certain charges for Online Banking services as set forth on the Credit Union's Fee Schedule. From time to time, Milfordthe charges may be changed. We will notify you of any changes as required by law. If you request a transfer or check withdrawal from your line of credit account, IA 51351-0167such transactions may be subject to charges under the terms and conditions of your loan agreement. Transfers, withdrawals, and bill payments transacted through Online Banking will be recorded on your periodic statement. You will receive a statement monthly unless there is no transaction in a particular month. In case of errors or questions any case, you will receive a statement at least quarterly. We will disclose information to third parties about your electronic transfersaccount or the transfers you make: • To verify the existence of sufficient funds to cover specific transactions upon the request of a payee or a third party, call such as a credit bureau or write merchant. • To comply with government agency or court orders. • If you give us at the telephone number or address listed above in this disclosure, 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 appearedwritten permission.

Liability for Unauthorized Access. You are responsible for all transfers and bill online xxxx payments you authorize authorized under this Agreement. First Resource Bank undertakes no obligation to monitor transactions through INTERNET BANKING which use valid passwords to determine that they are made on your behalf. If you permit other persons to use the Online Money Manager Service INTERNET BANKING or your Username and Passwordpassword, you are responsible for any transactions they authorize or conduct on any of your accountsAccounts and such persons will be deemed to be your authorized user. However, tell us AT ONCE at once if you believe anyone has used your Username or Password password or accessed your accounts Accounts through Online Money Manager INTERNET BANKING without your authorization. This also applies Such notification will include all customer names and account numbers that were accessed, method of access (if you believe known), notifications to law enforcement agencies, estimated damage, actions taken since breach was detected and planned future actions. Immediately changing your Password has been lost or stolen. Telephoning password and telephoning is the best way of keeping your possible losses down. You could If a non-commercial customer tells us within two (2) business days, such non- commercial customer can lose all the money in your account not more than fifty dollars (plus your maximum overdraft line of credit)$50.00) if someone accesses such non-commercial customer’s Account(s) without permission. If you a non-commercial customer does not tell us within two (2) business days after you learn such non-commercial customer learns of the loss or theft, you can lose no more than the lesser of $50 or the amount of unauthorized EFTs that occur if someone used your Password without your permission. Also, if you do NOT tell us within two business days after you learn use of the loss Account or theft of your Passwordpassword, and we can prove we could have stopped someone from using your Password without your permission if you had told us, you could lose as much as $500. Also, if your statement shows transfers that you did not make, 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 accessing such non-commercial customer’s Account without permission if you such non-commercial customer had told us in timeus, such non-commercial customer could lose as much as five hundred dollars ($500.00). DISCLAIMER OF WARRANTY AND LIMITATION OF LIABILITY: WE MAKE NO WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING ANY IMPLIED WARRANTY OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, IN CONNECTION WITH INTERNET BANKING PROVIDED TO YOU UNDER THIS AGREEMENT. WE DO NOT AND CANNOT WARRANT THAT INTERNET BANKING WILL OPERATE WITHOUT ERRORS, OR THAT ANY OR ALL INTERNET BANKING WILL BE AVAILABLE AND OPERATIONAL AT ALL TIMES. EXCEPT AS SPECIFICALLY PROVIDED IN THIS AGREEMENT, OR OTHERWISE REQUIRED BY LAW, YOU AGREE THAT OUR OFFICERS, DIRECTORS, EMPLOYEES, AGENTS OR CONTRACTORS ARE NOT LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES UNDER OR BY REASON OF ANY SERVICES OR PRODUCTS PROVIDED UNDER THIS AGREEMENT OR BY REASON OF YOUR USE OF OR ACCESS TO INTERNET BANKING, INCLUDING LOSS OF PROFITS, REVENUE, DATA OR USE BY YOU OR ANY THIRD PARTY, WHETHER IN AN ACTION IN CONTRACT, TORT, WARRANTY OR ANY OTHER LEGAL THEORY. OTHER THAN RESULTING FROM FIRST RESOURCE BANK’S GROSS NEGLIGENCE OR WILLFUL MISCONDUCT, FIRST RESOURCE BANK WILL NOT BE LIABLE FOR ANY DAMAGE THAT YOU MAY SUFFER ARISING OUT OF THE USE OF, OR INABILITY TO USE, THE SERVICES OR PRODUCTS PROVIDED HEREUNDER. FIRST RESOURCE BANK WILL NOT BE LIABLE FOR UNAUTHORIZED ACCESS TO FIRST RESOURCE BANK’S TRANSMISSION FACILITIES OR PREMISE EQUIPMENT OR FOR UNAUTHORIZED ACCESS TO OR ALTERATION, THEFT OR DESTRUCTION OF YOUR DATA FILES, PROGRAMS, PROCEDURES OR INFORMATION THROUGH ACCIDENT, FRAUDULENT MEANS OR DEVICES, OR ANY OTHER METHOD, REGARDLESS OF WHETHER SUCH DAMAGE OCCURS AS A RESULT OF FIRST RESOURCE BANK’S GROSS NEGLIGENCE OR WILLFUL MISCONDUCT. IN NO EVENT SHALL THE LIABILITY OF FIRST RESOURCE BANK AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, CONTRACTORS AND AFFILIATES EXCEED THE GREATER OF (I) AMOUNTS PAID BY YOU FOR THE SERVICES PROVIDED TO YOU THROUGH INTERNET BANKING OR (II) $100. THIS LIMITATION OF LIABILITY MAY NOT BE EFFECTIVE IN SOME STATES AND SHALL BE DEEMED AMENDED AS NECESSARY TO COMPLY WITH FEDERAL OR STATE LAW, AS APPLICABLE. IN NO EVENT SHALL FIRST RESOURCE BANK, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS OR CONTRACTORS BE LIABLE TO YOU FOR ANY LOSSES OR DAMAGES OTHER THAN THE AMOUNT (OR AS OTHERWISE) DESCRIBED ABOVE. ALL OTHER DAMAGES, DIRECT OR INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE, RESULTING FROM ANY USE OF OUR WEBSITE OR MATERIALS ARE EXCLUDED EVEN IF FIRST RESOURCE BANK, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS OR CONTRACTORS HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. Business Days. Our "Business Days" are generally Monday through Friday. Holidays are not included as Business Days. Stop-Payment Requests. You acknowledge that the stop payment feature of INTERNET BANKING is an alternate entry system for issuing stop payment orders between you and First Resource Bank. If a good reason (such as a long trip or hospital stay) kept an immediate response is required, you from telling us, we will extend should execute the time period. If you believe that someone has transferred or may transfer money from your account without your permission, call us at stop payment request by speaking to company personnel by phone (000) 000-0000 or write in person. This feature applies only to the stop payment of paper checks you have written (non- electronically) on your Accounts (not paper checks generated by the Online Xxxx Payment service). When using INTERNET BANKING to stop payments, you should follow the onscreen instructions. Prior to requesting a stop payment, you must first verify that the item has not already been posted to your Account. If a stopped item has already been paid prior to your entry of the request or you do not provide us at United Community Bankreasonable time to act, P.O. Box 167, Milford, IA 51351-0167. In case of errors or questions about your electronic transfers, call or write us at then we shall not be liable for any loss incurred by you arising from the telephone number or address listed above in this disclosure, 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 appearedevent.

Liability for Unauthorized Access. You are responsible for all transfers and bill payments you authorize under this Agreement. If you permit other persons to use the Online Money Manager Service Home Banking service or your Username and Passwordpersonal identification information, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell us AT ONCE at once if you believe anyone has used your Username or Password personal identification information or accessed your accounts through Online Money Manager Home Banking without your authorization. This also applies if you believe your Password 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 two (2) business days, you can lose no more than fifty dollars ($50.00) if someone accesses your accounts without your permission. If you do not tell us within two (2) business days after you learn of the loss or theft, you can lose no more than the lesser of $50 or the amount of unauthorized EFTs that occur if someone used your Password without your permission. Also, if you do NOT tell us within two business days after you learn of the loss or theft use of your Passwordaccount or personal identification information, and we can prove that we could have stopped someone from using accessing your Password account without your permission if you had told us, you could lose as much as five hundred dollars ($500500.00). In any event your liability for unauthorized line of credit transactions through Online Home Banking is fifty dollars ($50.00). Also, if your statement shows Online Home Banking transfers that you did not make, tell us at once. If you do not tell us within 60 sixty (60) days after the statement was mailed to you, you may not get back any money you lost after the 60 sixty days (60) if we can prove that we could have stopped someone from taking making the money transfers if you had told us in time. If a good reason (such as a long trip or hospital stay) kept you from telling us, we will extend the time periodperiods. If you believe that someone has used your personal identification information or has transferred or may transfer money from your account without your permission, call us at (the Credit Union at: 372-8776 or 000) -000-0000 during business hours or write us at United Community Bankthe Credit Union at: Bar-Cons Federal Credit Union 0000 X Xxxx Xx Columbus IN 47201 Our business days are Monday through Friday. Holidays are not included. There are certain charges for Online Home Banking services as set forth on the Credit Union’s Fee Schedule. From time to time, P.O. Box 167the charges may be changed. We will notify you of any changes as required by law. If you request a transfer or check withdrawal from your line of credit account, Milfordsuch transactions may be subject to charges under the terms and conditions of your loan agreement. The Online Home Banking service is free to members. Transfers, IA 51351-0167withdrawals, and bill payments transacted through Online Home Banking will be recorded on your periodic statement. You will receive a statement monthly unless there is no transaction in a particular month. In case of errors or questions any case, you will receive a statement at least quarterly. We will disclose information to third parties about your electronic transfers, call account or write us at the telephone number or address listed above in this disclosure, as soon as transfers 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.make:

Liability for Unauthorized Access. You are responsible for all transfers and bill xxxx payments you authorize under this Agreement. If you permit other persons to use the Online Money Manager Service Financial Services or your Username and Passwordaccess code, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell us AT ONCE at once if you believe anyone has used your Username or Password access code or accessed your accounts through Online Money Manager Financial Services without your authorization. This also applies if you believe your Password has been lost or stolen. Telephoning us at (000) 000-0000 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 two (2) business days, you can lose not more than fifty dollars ($50.00) if someone accesses your accounts without your permission. If you do not tell us within two (2) business days after you learn of the loss or theft, you can lose no more than the lesser of $50 or the amount of unauthorized EFTs that occur if someone used your Password without your permission. Also, if you do NOT tell us within two business days after you learn of the loss or theft use of your Passwordaccount or access code, and we can prove that we could have stopped someone from using accessing your Password account without your permission if you had told us, you could lose as much as five hundred dollars ($500500.00). In any event your liability for unauthorized line of credit transactions through Online Financial Services is fifty dollars ($50.00). Also, if your statement shows Online Financial Service transfers that you did not make, tell us at once. If you do not tell us within 60 sixty (60) days after the statement was mailed to you, you may not get back any money you lost after the 60 sixty (60) days if we can prove that we could have stopped someone from taking making the money transfers if you had told us in time. If a good reason reason, (such as i.e. a long trip or hospital stay) kept you from telling us, we will extend the time periodperiods. If you believe that someone has used your access code or has transferred or may transfer money from your account without your permission, call the Credit Union. • As necessary to complete transfers and xxxx payments. • To verify the existence of sufficient funds to cover specific transactions upon the request of a payee or a third party, such as a credit bureau or merchant. • To comply with government agency or court orders. • If you give us at (000) 000-0000 or write us at United Community Bank, P.O. Box 167, Milford, IA 51351-0167. In case of errors or questions about your electronic transfers, call or write us at the telephone number or address listed above in this disclosure, 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 appearedwritten permission.

Liability for Unauthorized Access. You are responsible for all transfers and bill payments you authorize under this Agreement. If you permit other persons to use the Online Money Manager Service Banking service or your Username and Passwordpassword, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell contact us AT ONCE at once if you believe anyone has used your Username or Password password or accessed your accounts through Online Money Manager Banking without your authorization. This also applies if you believe your Password has been lost or stolen. Telephoning Contacting us by telephone is the best way of keeping to minimize your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit)losses. If you tell contact us within two (2) business days of someone accessing your accounts without your permission, you will only be liable for up to fifty dollars ($50.00) of any losses.. If you do not contact us within two (2) business days after you learn of the loss or theft, you can lose no more than the lesser of $50 or the amount of unauthorized EFTs that occur if someone used your Password without your permission. Also, if you do NOT tell us within two business days after you learn of the loss or theft use of your Passwordaccount or PIN, and we can prove that we could have stopped someone from using accessing your Password account without your permission if you had told us, you could lose as much as be liable for up to five hundred dollars ($500500.00). Also, if Your liability for unauthorized line of credit transactions through Online Banking is fifty dollars ($50.00). If your statement shows Online Banking transfers that you did not make, tell please contact us at onceimmediately. If you do not tell contact us within 60 sixty (60) days after the statement was mailed to you, you may not get back be able to recover any money you lost after the 60 days of your losses if we can prove that we could have stopped someone from taking making the money transfers if you had told contacted us in timea timely manner. If a good reason (such as a long trip or hospital stay) kept you from telling us, we will We may extend the time periodnotification timeframe if there are extenuating circumstances. If you believe that someone has used or has transferred or may transfer money from your account without your permission, call us at (000) 000-0000 the Credit Union at: 330.724.9391 during regular business hours, or write us at United Community Bankwrite: Goodyear Employees Credit Union 000 Xxxxx Xxx. Akron, P.O. Box 167Ohio 44306 Our business days are Monday through Friday. Saturday, MilfordSunday and Federal Holidays are not considered business days. There are certain charges for Online Banking services as set forth on the Credit Union's Fee Schedule. Fees and charges are subject to change. We will notify you of any changes as required by law. Transfers, IA 51351-0167withdrawals, transacted through Online Banking will be recorded on your periodic statement. In case of errors or questions If you do not sign up for free electronic statements there will be a charge for paper statements. We will disclose information to third parties about your electronic transfersaccount or the transfers you make: • When it is necessary to complete transfers or transactions, call or write us at to send notice of dishonor or non- payment. • To our accountants. • To credit union examiners. • To exchange, in the telephone number regular course of business credit information, with other financial institutions or address listed above in this disclosurecommercial enterprises directly or through credit reporting agencies. • To furnish information to the appropriate law enforcement authorities when we have reason to believe we have been the victim of a crime. • To comply with government agencies, as soon as you cancourt orders, if you think your statement or receipt is wrong or if you need more to furnish information required by law. • To furnish information about existence of an account for judgment by a transfer listed on the statement or receiptcreditor of yours who has made a written request for such information. We must hear from you no later than 60 days after • When we sent the FIRST statement on which the problem or error appearedare attempting to collect an obligation owed to us unless otherwise prohibited by law.

Liability for Unauthorized Access. You are responsible for all transfers and bill payments you authorize under this Agreement. If you permit other persons to use the Online Money Manager Service Banking service or your Username and Passwordpassword, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell us AT ONCE at once if you believe anyone has used your Username or Password password or accessed your accounts through Online Money Manager Banking without your authorization. This also applies if you believe your Password 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 two (2) business days, you can lose not more than fifty dollars ($50.00) if someone accesses your accounts without your permission. If you do not tell us within two (2) business days after you learn of the loss or theft, you can lose no more than the lesser of $50 or the amount of unauthorized EFTs that occur if someone used your Password without your permission. Also, if you do NOT tell us within two business days after you learn of the loss or theft use of your Passwordaccount or password, and we can prove that we could have stopped someone from using accessing your Password account without your permission if you had told us, you could lose as much as five hundred dollars ($500500.00). In any event your liability for unauthorized line of credit transactions through Online Banking is fifty dollars ($50.00). Also, if your statement shows Online Banking transfers that you did not make, tell us at once. If you do not tell us within 60 sixty (60) days after the statement was mailed to you, you may not get back any money you lost after the 60 sixty days (60) if we can prove that we could have stopped someone from taking making the money transfers if you had told us in time. If a good reason (such as a long trip or hospital stay) kept you from telling us, we will extend the time periodperiods. If you believe that someone has used your password or has transferred or may transfer money from your account without your permission, call us at the Credit Union at: (000) 000000)000-0000 Our business days are Monday through Friday. Holidays are not included. There are certain charges for Online Banking services as set forth on the Credit Union's Fee Schedule. From time to time, the charges may be changed. We will notify you of any changes as required by law. If you request a transfer or write us at United Community Bankcheck withdrawal from your line of credit account, P.O. Box 167such transactions may be subject to charges under the terms and conditions of your loan agreement. Transfers, Milfordwithdrawals, IA 51351-0167and xxxx payments transacted through Online Banking will be recorded on your periodic statement. You will receive a statement monthly unless there is no transaction in a particular month. In case of errors or questions any case, you will receive a statement at least quarterly. We will disclose information to third parties about your electronic transfersaccount or the transfers you make: • To verify the existence of sufficient funds to cover specific transactions upon the request of a payee or a third party, call such as a credit bureau or write merchant. • To comply with government agency or court orders. • If you give us at the telephone number or address listed above in this disclosure, 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 appearedwritten permission.

Liability for Unauthorized Access. You are responsible for all transfers and bill xxxx payments you authorize under this Agreement. If you permit other persons to use the Online Money Manager Service Banking or your Username and Passwordaccess credentials, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell us AT ONCE at once if you believe anyone has used your Username or Password or accessed your accounts through Online Money Manager Banking without your authorization. This also applies if you believe your Password has been lost or stolen. Telephoning is the The best way of keeping to mitigate your possible potential losses downis to contact us immediately by phone at 000-000-0000 during regular business hours or 000-000-0000 during or after regular business hours. You could lose all the money in your account may also contact us in-person at any branch during regular business hours or by writing to SELCO community Credit Union, X.X. Xxx 0000, Xxxxxxxxxxx, Xxxxxx 00000-0000 (plus your maximum overdraft line of creditwe request that you call us as well). If you tell notify us within two (2) business days after you learn learning of the loss or thefttheft of your access credentials or any unauthorized use of your account(s) through Online Banking, you can cannot lose no more than the lesser of fifty dollars ($50 or the amount of unauthorized EFTs that occur if someone used your Password without your permission50.00). Also, if If you do NOT tell fail to notify us within two (2) business days after you learn of the loss or theft of your Passwordaccess credentials or any unauthorized use of your account(s) through Online Banking, and we can prove that we could have stopped someone from using accessing your Password account without your permission if you had told us, you could lose as much as five hundred dollars ($500500.00). Also, if your statement shows Online Banking transfers that you did not make, tell us at once. If you do not tell us within 60 sixty (60) days after the statement was mailed to you, you may not get back any money you lost after the 60 sixty days (60) if we can prove that we could have stopped someone from taking making the money transfers if you had told us in time. If a good reason (such as a long trip or hospital stay) kept you from telling us, we will SELCO may extend the time period. If you believe that someone has transferred or may transfer money from your account without your permission, call us at (000) 000-0000 or write us at United Community Bank, P.O. Box 167, Milford, IA 51351-0167. In case of errors or questions about your electronic transfers, call or write us at the telephone number or address listed above in this disclosure, 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 appearedperiods.

Liability for Unauthorized Access. You are responsible for all transfers and bill payments you authorize under this Agreement. If you permit other persons to use the Online Money Manager Service and Mobile Account Access services or your Username and Passwordsecurity access items, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell Please notify us AT ONCE immediately if you believe anyone has used your Username or Password security access items or accessed your Updated February 2019 accounts through the Online Money Manager or Mobile Account Access services without your authorization. This also applies if you believe your Password has been lost or stolen. Telephoning is the best way of keeping your possible losses down. You could If you tell us within two business days, you cannot lose all the money in more than fifty dollars ($50.00) if someone accesses your account (plus accounts without your maximum overdraft line of credit)permission. If you do not tell us within two business days after you learn of the loss or theft, you can lose no more than the lesser of $50 or the amount of unauthorized EFTs that occur if someone used your Password without your permission. Also, if you do NOT tell us within two business days after you learn of the loss or theft use of your Passwordaccount or security access items, and we can prove that we could have stopped someone from using accessing your Password account without your permission if you had told us, you could lose as much as five hundred dollars ($500500.00). AlsoIn any event your liability for unauthorized line of credit transactions through the Online or Mobile Account Access services is fifty dollars ($50.00). Our business days are Monday through Friday, if until 5:30pm. Weekend and holidays are not included. Online and Mobile Account Access is available 24 hours a day, seven days a week. Online and Mobile Account Access may be inaccessible for a reasonable period for system maintenance, but we will work to minimize such interruptions in service. We shall not be liable under this Agreement for failure to provide access. Termination of Service Your enrollment in the Online or Mobile Account Access services shall be determined at our sole discretion, subject to applicable law, we reserve the right to modify, suspend or terminate your statement shows transfers that Online or Mobile Account Access at any time and for any reason without notice. You or another owner on the account can terminate this Agreement by notifying us via email at xxxx@xxxxxxxxxxx.xxx or by phone at 000.000.0000. Termination of service will be effective no later than the first business day following receipt of your notification; however termination of this Agreement will not affect the rights and responsibilities of the parties under this Agreement for transactions initiated prior to termination. If there are certain charges for additional features within the Online or Mobile Account Access services, they will be set forth on our Fee Schedule. A copy of the Fee Schedule can be located on our website xxx.xxxxxxxxxxx.xxx or you did not make, tell may request a paper copy at any time by calling us at once000.000.0000. From time to time, the charges may be changed. We will notify you of any changes in the specified period of time, as required by law. 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 hospital stay) kept you from telling us, we will extend the time period. If you believe that someone has transferred or may transfer money from your account without your permission, call us at (000) 000-0000 or write us at United Community Bank, P.O. Box 167, Milford, IA 51351-0167. In case of errors or questions about your electronic transfers, call or write us at the telephone number or address listed above in this disclosure, as soon as you can, if you think your statement or receipt is wrong or if you need more information about request a transfer listed on from a line of credit, such transactions may be subject to charges under 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 appearedterms and conditions of your original loan agreement.

Liability for Unauthorized Access. You are responsible for all transfers and bill payments you authorize under this Agreement. If you permit other persons to use the Online Money Manager Service Banking service or your Username and Passwordpassword, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell contact us AT ONCE at once if you believe anyone has used your Username or Password password or accessed your accounts through Online Money Manager Banking without your authorization. This also applies if you believe your Password has been lost or stolen. Telephoning Contacting us by telephone is the best way of keeping to minimize your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit)losses. If you tell contact us within two (2) business days of someone accessing your accounts without your permission, you will only be liable for up to fifty dollars ($50.00) of any losses.. If you do not contact us within two (2) business days after you learn of the loss or theft, you can lose no more than the lesser of $50 or the amount of unauthorized EFTs that occur if someone used your Password without your permission. Also, if you do NOT tell us within two business days after you learn of the loss or theft use of your Passwordaccount or PIN, and we can prove that we could have stopped someone from using accessing your Password account without your permission if you had told us, you could lose as much as be liable for up to five hundred dollars ($500500.00). Also, if Your liability for unauthorized line of credit transactions through Online Banking is fifty dollars ($50.00). If your statement shows Online Banking transfers that you did not make, tell please contact us at onceimmediately. If you do not tell contact us within 60 sixty (60) days after the statement was mailed to you, you may not get back be able to recover any money you lost after the 60 days of your losses if we can prove that we could have stopped someone from taking making the money transfers if you had told contacted us in timea timely manner. If a good reason (such as a long trip or hospital stay) kept you from telling us, we will We may extend the time periodnotification timeframe if there are extenuating circumstances. If you believe that someone has used or has transferred or may transfer money from your account without your permission, call us at (000) 000-0000 the Credit Union at: 330.724.9391 during regular business hours or write us at United Community Bankwrite: Goodyear Employees Credit Union 000 Xxxxx Xxx. Akron, P.O. Box 167Ohio 44306 Our business days are Monday through Friday. Saturday, MilfordSunday and Federal Holidays are not considered business days. Transfers, IA 51351-0167withdrawals, transacted through Online Banking will be recorded on your periodic statement. In case of errors or questions If you do not sign up for free electronic statements there will be a charge for paper statements. We will disclose information to third parties about your electronic transfersaccount or the transfers you make: • When it is necessary to complete transfers or transactions, call or write us at to send notice of dishonor or non- payment. • To our accountants. • To credit union examiners. • To exchange, in the telephone number regular course of business credit information, with other financial institutions or address listed above in this disclosurecommercial enterprises directly or through credit reporting agencies. • To furnish information to the appropriate law enforcement authorities when we have reason to believe we have been the victim of a crime. • To comply with government agencies, as soon as you cancourt orders, if you think your statement or receipt is wrong or if you need more to furnish information required by law. • To furnish information about existence of an account for judgment by a transfer listed on the statement or receiptcreditor of yours who has made a written request for such information. We must hear from you no later than 60 days after • When we sent the FIRST statement on which the problem or error appearedare attempting to collect an obligation owed to us unless otherwise prohibited by law.

Liability for Unauthorized Access. You are responsible for all transfers and bill payments you authorize under this Agreement. If you permit other persons to use the Online Money Manager Service Banking service or your Username and Passwordpassword, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell contact us AT ONCE at once if you believe anyone has used your Username or Password password or accessed your accounts through Online Money Manager Banking without your authorization. This also applies if you believe your Password has been lost or stolen. Telephoning Contacting us by telephone is the best way of keeping to minimize your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit)losses. If you tell contact us within two (2) business days of someone accessing your accounts without your permission, you will only be liable for up to fifty dollars ($50.00) of any losses.. If you do not contact us within two (2) business days after you learn of the loss or theft, you can lose no more than the lesser of $50 or the amount of unauthorized EFTs that occur if someone used your Password without your permission. Also, if you do NOT tell us within two business days after you learn of the loss or theft use of your Passwordaccount or PIN, and we can prove that we could have stopped someone from using accessing your Password account without your permission if you had told us, you could lose as much as be liable for up to five hundred dollars ($500500.00). Also, if Your liability for unauthorized line of credit transactions through Online Banking is fifty dollars ($50.00). If your statement shows Online Banking transfers that you did not make, tell please contact us at onceimmediately. If you do not tell contact us within 60 sixty (60) days after the statement was mailed to you, you may not get back be able to recover any money you lost after the 60 days of your losses if we can prove that we could have stopped someone from taking making the money transfers if you had told contacted us in timea timely manner. If a good reason (such as a long trip or hospital stay) kept you from telling us, we will We may extend the time periodnotification timeframe if there are extenuating circumstances. If you believe that someone has used your PIN or has transferred or may transfer money from your account without your permission, call us the Credit Union at: 888.436.1847 during regular business hours, email at (000) 000-xxxxxxxxxxxxxx@xxxx.xxx, or write: Northeast Credit Union XX XXX 0000 Xxxxxxxxxx, XX 00000. Our business days are Monday through Friday. Saturday, Sunday and Federal Holidays are not considered business days. There are certain charges for Online Banking services as set forth on the Credit Union's Fee Schedule. Fees and charges are subject to change. We will notify you of any changes as required by law. If you request a transfer or write us at United Community Bankcheck withdrawal from your line of credit account, P.O. Box 167such transactions may be subject to charges under the terms and conditions of your loan agreement. Transfers, Milfordwithdrawals, IA 51351-0167and xxxx payments transacted through Online Banking will be recorded on your periodic statement. In case of errors or questions You will receive a statement monthly. You may also sign up for free electronic statements. We will disclose information to third parties about your electronic transfersaccount or the transfers you make: • When it is necessary to complete transfers or transactions, call or write us at to send notice of dishonor or non-payment. • To our accountants. • To credit union examiners. • To exchange, in the telephone number regular course of business credit information, with other financial institutions or address listed above in this disclosurecommercial enterprises directly or through credit reporting agencies. • To furnish information to the appropriate law enforcement authorities when we have reason to believe we have been the victim of a crime. • To comply with government agencies, as soon as you cancourt orders, if you think your statement or receipt is wrong or if you need more to furnish information required by law. • To furnish information about existence of an account for judgment by a transfer listed on the statement or receiptcreditor of yours who has made a written request for such information. We must hear from you no later than 60 days after • When we sent the FIRST statement on which the problem or error appearedare attempting to collect an obligation owed to us unless otherwise prohibited by law.