Common use of Liability for Unauthorized Access Clause in Contracts

Liability for Unauthorized Access. You are responsible for all transactions you authorize using the Bill Pay services under this Agreement. If you permit other persons to use your Bill Payment Service 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 Bill Payment Service and accessed your accounts without your authorization. Telephoning is the best way of keeping your possible losses down. 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 within two (2) business days after you learn of the unauthorized use of your account or access code, and we can prove that we could have stopped someone from accessing your account without your permission if you had told us, you could lose as much as $500. Also, if your statement shows Bill Pay transactions that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may be liable the full amount of the loss if we can prove that we could have stopped someone from making the unauthorized EFT transactions. If a good reason (such as a hospital stay) kept you from telling us, we may extend the time periods. If you believe that your Bill Pay Account has been compromised or that someone has transferred or may transfer money from your account without your permission, call us at (000) 000-0000 or 1 (800) 444- 8115, or email the Credit Union: xxx.xxxxxxxxxxxxxxx.xxx or write the Credit Union at: Consolidated Community Credit Union 0000 XX 0xx Xxx Portland, OR 97232

Liability for Unauthorized Access. You are responsible for all transactions transfers and bill payments you authorize using the Bill Pay services under this Agreement. If you permit other persons to use the Online Money Manager Service or your Bill Payment Service Username and Password, 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 Bill Payment Service and 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 (2) business daysdays 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 accessed used your account Password without your permission. If Also, if you do not NOT tell us within two (2) business days after you learn of the unauthorized use loss or theft of your account or access codePassword, and we can prove that we could have stopped someone from accessing using your account Password without your permission if you had told us, you could lose as much as $500. Also, if your statement shows Bill Pay transactions transfers that you did not make, tell us at once. If you do not tell us within sixty (60) 60 days after the statement was mailed to you, you may be liable not get back any money you lost after the full amount of the loss 60 days if we can prove that we could have stopped someone from making taking the unauthorized EFT transactionsmoney 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 may will extend the time periodsperiod. If you believe that your Bill Pay Account has been compromised or that someone has transferred or may transfer money from your account without your permission, call us at (000) 000-0000 or 1 (800) 444- 8115write us at United Community Bank, P.O. Box 167, Milford, IA 51351-0167. Error Resolution Notice In case of errors or email the Credit Union: xxx.xxxxxxxxxxxxxxx.xxx questions about your electronic transfers, call or write us at the Credit Union at: Consolidated Community Credit Union 0000 XX 0xx Xxx Portlandtelephone number or address listed above in this disclosure, OR 97232as 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 transactions transfers and xxxx payments you authorize using the Bill Pay services under this Agreement. If you permit other persons to use Online Banking or your Bill Payment Service access credentials, 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 Bill Payment Service and accessed your accounts through Online Banking without your authorization. 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 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 (we request that you call us as well). If you tell notify us within two (2) business daysdays after learning of the loss or theft of your access credentials or any unauthorized use of your account(s) through Online Banking, you can cannot lose no more than fifty dollars ($50 if someone accessed your account without your permission50.00). If you do not tell fail to notify us within two (2) business days after you learn of the loss or theft of your access credentials or any unauthorized use of your account or access codeaccount(s) through Online Banking, and we can prove that we could have stopped someone from accessing your 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 Bill Pay transactions Online Banking transfers that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may be liable not get back any money lost after the full amount of the loss sixty days (60) if we can prove that we could have stopped someone from making the unauthorized EFT transactionstransfers if you had told us in time. If a good reason (such as a hospital stay) kept you from telling us, we SELCO may extend the time periods. If you believe that your Bill Pay Account has been compromised or that someone has transferred or may transfer money from your account without your permission, call us at (000) 000-0000 or 1 (800) 444- 8115, or email the Credit Union: xxx.xxxxxxxxxxxxxxx.xxx or write the Credit Union at: Consolidated Community Credit Union 0000 XX 0xx Xxx Portland, OR 97232.

Liability for Unauthorized Access. You are responsible for all transactions transfers you authorize using the Bill Pay services under this Agreement. If you permit other persons to use the Online Home Banking service or your Bill Payment Service personal identification information, 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 Bill Payment Service and personal identification information or accessed your accounts through Online Home Banking without your authorization. Telephoning is the best way of keeping your possible losses down. If you tell us within two (2) business days, you can lose no more than fifty dollars ($50 50.00) if someone accessed accesses your account accounts without your permission. If you do not tell us within two (2) business days after you learn of the unauthorized use of your account or access codepersonal identification information, and we can prove that we could have stopped someone from accessing your 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 Bill Pay transactions Online Home Banking transfers that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may be liable not get back any money lost after the full amount of the loss sixty days (60) if we can prove that we could have stopped someone from making the unauthorized EFT transactionstransfers if you had told us in time. If a good reason (such as a hospital stay) kept you from telling us, we may will extend the time periods. If you believe that someone has used your Bill Pay Account has been compromised personal identification information or that someone has transferred or may transfer money from your account without your permission, call us at (000) 000-0000 or 1 (800) 444- 8115, or email the Credit UnionUnion at: xxx.xxxxxxxxxxxxxxx.xxx 372-8776 or 800-844-8776 during business hours or write the Credit Union at: Consolidated Community Bar-Cons Federal Credit Union 0000 XX 0xx Xxx PortlandX Xxxx Xx Columbus IN 47201 BUSINESS DAYS Our business days are Monday through Friday. Holidays are not included. FEES AND CHARGES There are certain charges for Online Home Banking services as set forth on the Credit Union’s Fee Schedule. From time to time, OR 97232the 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. The Online Home Banking service is free to members. PERIODIC STATEMENTS Transfers, withdrawals, 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 any case, you will receive a statement at least quarterly. ACCOUNT INFORMATION DISCLOSURE We will disclose information to third parties about your account or the transfers you make:

Liability for Unauthorized Access. You are responsible for all transactions you authorize using the Bill Pay services under this Agreement. If you permit other persons to use your Bill Payment Service 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 Bill Payment Service password and accessed your accounts without your authorization. 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 credit – 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 NOT tell us within with two (2) business days after you learn of the unauthorized use of your account or access codepassword, and we can prove that we could have stopped someone from accessing your account without your permission if you had told us, you could lose as much as $500. Also, if If your statement shows Bill Pay Payment transactions that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to youyou or was available to you online if you have requested Electronic Statements, you may be liable not get any money you lost after the full amount of the loss 60 days if we can prove that we could have stopped someone from making taking the unauthorized EFT transactionsmoney if you had told us in time. If a good reason (such as a hospital stay) kept you from telling us, we may extend the time periods. If you believe that your Bill Pay Account password has been compromised 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 or 1 during normal business hours o Contact us electronically at xxxxxxxxxxxxxxxxxxx@xxxxxxxxxx.xxx (800email messages received during normal business hours will be handled the same day. All other email messages will be handled the next business day.) 444- 8115, or email the Credit Union: xxx.xxxxxxxxxxxxxxx.xxx or write o Write to the Credit Union at: Consolidated Community Ventura County Credit Union XX Xxx 0000 Xxxxxxx, XX 0xx Xxx Portland00000-0000 • Security of Password. Access to Bill Pay is obtained through the Credit Union’s Online Banking. Your password is confidential and should not be disclosed to third parties or 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, OR 97232you understand that person may use Bill 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 Bill Pay immediately. • Fees. Currently there are no fees to use Bill 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 least twenty-one (21) days prior notice before we begin to charge and/or change a fee for using this service.

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 000.000.0000 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 transactions transfers you authorize using the Bill Pay services under this Agreement. If you permit other persons to use the Services or your Bill Payment Service access code, 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 Bill Payment Service and access code or accessed your accounts through Services without your authorization. Telephoning is the best way of keeping your possible losses down. If you tell us within two (2) business days, you can lose no not more than $50 if someone accessed accesses your account accounts without your permission. If you do not tell us within two (2) business days after you learn of the unauthorized use of your account or access code, and we can prove that we could have stopped someone from accessing your account without your permission if you had told us, you could lose as much as $500. Also, if your statement shows Bill Pay transactions Banking Services transfers that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may be liable not get back any money lost after the full amount of the loss sixty days if we can prove that we could have stopped someone from making the unauthorized EFT transactionstransfers if you had told us in time. If a good reason (such as a hospital stay) kept you from telling us, we may will extend the time periods. If you believe that your Bill Pay Account has been compromised or 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 1 (800) 444- 8115, or email the Credit Union: xxx.xxxxxxxxxxxxxxx.xxx 800.825.3641 during normal business hours or write the Credit Union atto: Consolidated Community Credit Union 0000 XX 0xx X.X. Xxx Portland0000, OR 97232Xxxx Xxxxx, Indiana, 46801.

Liability for Unauthorized Access. You are responsible for all transactions you authorize using the Bill Xxxx Pay services under this Agreement. If you permit other persons to use your Bill Payment Service 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 Bill Payment Service password and accessed your accounts without your authorization. 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 credit – 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 NOT tell us within with two (2) business days after you learn of the unauthorized use of your account or access codepassword, and we can prove that we could have stopped someone from accessing your account without your permission if you had told us, you could lose as much as $500. Also, if If your statement shows Bill Pay Xxxx Payment transactions that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to youyou or was available to you online if you have requested Electronic Statements, you may be liable not get any money you lost after the full amount of the loss 60 days if we can prove that we could have stopped someone from making taking the unauthorized EFT transactionsmoney if you had told us in time. If a good reason (such as a hospital stay) kept you from telling us, we may extend the time periods. If you believe that your Bill Pay Account password has been compromised 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 or 1 during normal business hours o Contact us electronically at xxxxxxxxxxxxxxxxxxx@xxxxxxxxxx.xxx (800email messages received during normal business hours will be handled the same day. All other email messages will be handled the next business day.) 444- 8115, or email the Credit Union: xxx.xxxxxxxxxxxxxxx.xxx or write o Write to the Credit Union at: Consolidated Community Ventura County Credit Union XX Xxx 0000 Xxxxxxx, XX 0xx Xxx Portland00000-0000 • 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 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, OR 97232you 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 least twenty-one (21) days prior notice before we begin to charge and/or change a fee for using this service.

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 transactions transfers you authorize using the Bill Pay services under this Agreement. If you permit other persons to use the Services or your Bill Payment Service access code, 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 Bill Payment Service and access code or accessed your accounts through Services without your authorization. Telephoning is the best way of keeping your possible losses down. If you tell us within two (2) business days, you can lose no not more than $50 if someone accessed accesses your account accounts without your permission. If you do not tell us within two (2) business days after you learn of the unauthorized use of your account or access code, and we can prove that we could have stopped someone from accessing your account without your permission if you had told us, you could lose as much as $500. Also, if your statement shows Bill Pay transactions Banking Services transfers that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may be liable not get back any money lost after the full amount of the loss sixty days if we can prove that we could have stopped someone from making the unauthorized EFT transactionstransfers if you had told us in time. If a good reason (such as a hospital stay) kept you from telling us, we may will extend the time periods. If you believe that your Bill Pay Account has been compromised or 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 1 (800) 444- 8115, or email the Credit Union: xxx.xxxxxxxxxxxxxxx.xxx 800.825.3641 during normal business hours or write the Credit Union atto: Consolidated Community Credit Union 0000 XX 0xx X.X. Xxx Portland0000, OR 97232Xxxx Xxxxx, Indiana, 46801.

Liability for Unauthorized Access. You are responsible for all transactions transfers you authorize using the Bill Pay services under this Agreement. If you permit other persons to use the Online Banking service or your Bill Payment Service password, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell contact us at once if you believe anyone has used your Bill Payment Service and password or accessed your accounts through Online Banking without your authorization. Telephoning Contacting us by telephone is the best way of keeping to minimize your possible losses downlosses. If you tell contact us within two (2) business days, you can lose no more than $50 if days of someone accessed accessing your account accounts without your permission. , you will only be liable for up to fifty dollars ($50.00) of any losses.. If you do not tell contact us within two (2) business days after you learn of the unauthorized use of your account or access codePIN, and we can prove that we could have stopped someone from accessing your 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 Bill Pay transactions Online Banking transfers that you did not make, tell please contact us at onceimmediately. If you do not tell contact us within sixty (60) days after the statement was mailed to you, you may not be liable the full amount able to recover any of the loss your losses if we can prove that we could have stopped someone from making the unauthorized EFT transactionstransfers if you had contacted us in a timely manner. If a good reason (such as a hospital stay) kept you from telling us, we We may extend the time periodsnotification timeframe if there are extenuating circumstances. If you believe that someone has used your Bill Pay Account has been compromised PIN or that someone has transferred or may transfer money from your account without your permission, call us at (000) 000-0000 or 1 (800) 444- 8115, or email the Credit Union: xxx.xxxxxxxxxxxxxxx.xxx or write the Credit Union at: Consolidated Community 888.436.1847 during regular business hours, email at xxxxxxxxxxxxxx@xxxx.xxx, or write: Northeast Credit Union XX XXX 0000 Xxxxxxxxxx, XX 0xx Xxx Portland00000. Business Days Our business days are Monday through Friday. Saturday, OR 97232Sunday and Federal Holidays are not considered business days. Fees and Charges 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 check withdrawal from your line of credit account, such transactions may be subject to charges under the terms and conditions of your loan agreement. Periodic Statements Transfers, withdrawals, and xxxx payments transacted through Online Banking will be recorded on your periodic statement. You will receive a statement monthly. You may also sign up for free electronic statements. Account Information Disclosure We will disclose information to third parties about your account or the transfers you make: • When it is necessary to complete transfers or transactions, or to send notice of dishonor or non-payment. • To our accountants. • To credit union examiners. • To exchange, in the regular course of business credit information, with other financial institutions or commercial 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, court orders, or to furnish information required by law. • To furnish information about existence of an account for judgment by a creditor of yours who has made a written request for such information. • When we are attempting to collect an obligation owed to us unless otherwise prohibited by law.

Liability for Unauthorized Access. You are responsible for all transactions transfers and online xxxx payments you authorize using the Bill Pay services 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 INTERNET BANKING or your Bill Payment Service password, 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 if you believe anyone has used your Bill Payment Service and password or accessed your accounts Accounts through INTERNET BANKING without your authorization. Telephoning Such notification will include all customer names and account numbers that were accessed, method of access (if known), notifications to law enforcement agencies, estimated damage, actions taken since breach was detected and planned future actions. Immediately changing your password and telephoning is the best way of keeping your possible losses down. If you tell a non-commercial customer tells us within two (2) business days, you such non- commercial customer can lose no not more than fifty dollars ($50 50.00) if someone accessed your account accesses such non-commercial customer’s Account(s) without your permission. If you do a non-commercial customer does not tell us within two (2) business days after you learn such non-commercial customer learns of the unauthorized use of your account the Account or access codepassword, and we can prove that we could have stopped someone from accessing your account such non-commercial customer’s Account without your permission if you such non-commercial customer had told us, you such non-commercial customer could lose as much as five hundred dollars ($500500.00). AlsoYou agree to promptly review your periodic statement as soon as you receive it. If you notice any unauthorized transfers when viewing your transactions on INTERNET BANKING or on your statement, if your statement shows Bill Pay transactions that you did not make, tell notify us at once. If you do not tell notify us within sixty (60) days after the statement was mailed or transmitted to you, you may be liable not get back any money lost after the full amount of the loss sixty days (60) if we can prove that we could have stopped someone from making the unauthorized EFT transactions. If a good reason (such as a hospital stay) kept transfers if you from telling us, we may extend the time periodshad told us in time. If you believe that someone has used your Bill Pay Account has been compromised Access ID and Password or that someone has transferred or may transfer money from your account Account without your permission, call First Resource Bank at: (000) 000-0000 or fax us at (000) 000-0000 or 1 email us at xxxxxxxxxxxxx@xxxxxxxxxxxxxxx.xxx. Or write First Resource Bank at: First Resource Bank 0000 Xxxxxxx Xxxxx Xxxx Xxxxx, MN 55014 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 (800I) 444- 8115AMOUNTS 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 an immediate response is required, you should execute the stop payment request by speaking to company personnel by phone (000) 000-0000 or 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 reasonable time to act, then we shall not be liable for any loss incurred by you arising from the event. Online stop-payment requests received before 4:00 p.m. CST are typically processed on the same Business Day they are received. Stop payment requests received after 4:00 p.m. CST are typically processed on the next Business Day. To be effective, this type of stop payment request must precisely identify the name of the payee and the item number, amount, and date of the item. You agree that the stop-payment request must be received by us within a reasonable time for us to act on the order prior to final payment of the check. When you elect to execute stop payment requests through INTERNET BANKING, you agree to indemnify and hold First Resource Bank harmless for all costs, expenses or damages which First Resource Bank may incur or suffer in connection with or arising from refusing payment thereof, or email efforts to stop payment thereof. In complying with the Credit Union: xxx.xxxxxxxxxxxxxxx.xxx stop payment request, First Resource Bank’s duty will extend only to the exercise of good faith and ordinary care. Any stop payment request received through INTERNET BANKING is only binding upon First Resource Bank for fourteen (14) calendar days and thereafter must be confirmed in writing by an authorized user on the applicable Account, which will be effective for six (6) months. If you make stop-payment requests online or write by telephone, we may also require you to provide us with a written, paper request within fourteen (14) days. Revocation of the Credit Union at: Consolidated Community Credit Union 0000 XX 0xx Xxx Portlandstop payment must be in writing. In the event you want to stop a xxxx pay paper draft, OR 97232stop payment charges incurred by any third party check processor may be assessed to your Account. You will also incur stop-payment charges as disclosed in the current fee schedule for the applicable Account, as amended from time to time.

Liability for Unauthorized Access. You are responsible for all transactions transfers you authorize using the Bill Pay services under this Agreement. If you permit other persons to use the Online Banking service or your Bill Payment Service PIN, 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 Bill Payment Service and PIN or accessed your accounts through Online Banking without your authorization. Telephoning is the best way of keeping your possible losses down. If you tell us within two (2) business days, you can lose no not more than fifty dollars ($50 50.00) if someone accessed accesses your account accounts without your permission. If you do not tell us within two (2) business days after you learn of the unauthorized use of your account or access codePIN, and we can prove that we could have stopped someone from accessing your 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 Bill Pay transactions Online Banking transfers that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may be liable not get back any money lost after the full amount of the loss sixty days (60) if we can prove that we could have stopped someone from making the unauthorized EFT transactionstransfers if you had told us in time. If a good reason (such as a hospital stay) kept you from telling us, we may will extend the time periods. If you believe that someone has used your Bill Pay Account has been compromised PIN or that someone 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 1 ( 800) 444- 8115-766-4328, or email the Credit Union: xxx.xxxxxxxxxxxxxxx.xxx or Ext., during business hours. st  Or write the Credit Union at: Consolidated Community First Florida Credit Union 0000 XX 0xx Xxx Portland000 Xxxx 0 Xxxxxxxxxxxx, OR 97232Xxxxxxx 00000 Street Business Days Our business days are Monday through Friday. Holidays are not included. Fees And Charges 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. Periodic Statements Transfers, withdrawals, and 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 any case, you will receive a statement at least quarterly. Account Information Disclosure 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 your written permission.

Liability for Unauthorized Access. You are responsible for all transactions transfers you authorize using the Bill Pay services under this Agreement. If you permit other persons to use the Online Banking service or your Bill Payment Service PIN, 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 Bill Payment Service and PIN or accessed your accounts through Online Banking without your authorization. Telephoning is the best way of keeping your possible losses down. If you tell us within two (2) business days, you can lose no not more than fifty dollars ($50 50.00) if someone accessed accesses your account accounts without your permission. If you do not tell us within two (2) business days after you learn of the unauthorized use of your account or access codePIN, and we can prove that we could have stopped someone from accessing your 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 Bill Pay transactions Online Banking transfers that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may be liable not get back any money lost after the full amount of the loss sixty days (60) if we can prove that we could have stopped someone from making the unauthorized EFT transactionstransfers if you had told us in time. If a good reason (such as a hospital stay) kept you from telling us, we may will extend the time periods. If you believe that someone has used your Bill Pay Account has been compromised PIN or that someone 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 1 (800) 444- 8115• 000-000-0000, or email the Credit Union: xxx.xxxxxxxxxxxxxxx.xxx or Ext., during business hours. st • Or write the Credit Union at: Consolidated Community First Florida Credit Union 0000 XX 0xx Xxx Portland000 Xxxx 0 Xxxxxxxxxxxx, OR 97232Xxxxxxx 00000 Street Business Days Our business days are Monday through Friday. Holidays are not included. Fees And Charges 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. Periodic Statements 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. Account Information Disclosure 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 your written permission.

Liability for Unauthorized Access. You are responsible for all transactions you authorize using the Bill Pay services under this Agreement. If you permit other persons to use Blaze’s Digital Banking Service or your Bill Payment Service 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 Bill Payment Service and password or accessed your accounts through Blaze’s Digital Banking Service without your authorization. Telephoning Calling us promptly is the best way of keeping your possible losses down. If you tell us within two (2) business days, you can lose no not more than fifty dollars ($50 50) if someone accessed accesses your account accounts without your permission. If you do not tell us within two (2) business days after you learn of the unauthorized use of your account or access codepassword, and we can prove that we could have stopped someone from accessing your account without your permission if you had told us, you could lose as much as five hundred dollars ($500). Also, if your statement shows Bill Pay Xxxxx’s Digital Banking Service transactions that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may be liable not get back any money lost after the full amount of the loss sixty (60) days if we can prove that we could have stopped someone from making the unauthorized EFT transactionsperforming transactions if you had told us in time. If a good reason (such as a hospital stay) kept you from telling us, we may will extend the time periods. If you believe that your Bill Pay Account unauthorized access has been compromised occurred or that someone has transferred used your password or may transfer money has completed transactions from your account without your permission, call us Blaze at (000) 000-0000 000.000.0000 or 1 (800) 444- 8115, or email the Credit Union: xxx.xxxxxxxxxxxxxxx.xxx 888.347.7473 or write the Credit Union to us at: Consolidated Community Blaze Credit Union 0000 XX 0xx Xxxxxxxxxx Xxx PortlandX Falcon Heights, OR 97232MN 55113 BUSINESS DAYS. Our business days are Monday through Friday, excluding federal holidays. FEES AND CHARGES. There are no charges for using Blaze’s Digital Banking Service. However, any fees applicable to your accounts with Blaze, as set forth on Blaze's Fee Schedule, will apply. 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 from your line of credit account, such transactions may be subject to charges under the terms and conditions of your loan agreement.

Liability for Unauthorized Access. You are responsible for all transactions transfers and xxxx payments you authorize using the Bill Pay services under this Agreement. If you permit other persons to use Online Banking or your Bill Payment Service 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 Bill Payment Service and password or accessed your accounts through Online Banking without your authorization. Telephoning is the best way of keeping your possible losses down. You may also contact/notify us via email at xxxxx@xxxxx.xxx. Please refer to the 'Service Limitations Email' section of this disclosure. If you tell us within two (2) business daysdays of discovery, you can not lose no more than fifty dollars ($50 50) if someone accessed accesses your account accounts without your permission. If you do not tell us within two (2) business days after you learn of the unauthorized use of your account or access code, and we can prove that we could have stopped someone from accessing your account without your permission if you had told us, you could lose as much as five hundred dollars ($500). Also, if your statement shows Bill Pay transactions transfers that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may be liable not get back any money lost after the full amount of the loss sixty (60) days; if we can prove that we could have stopped someone from making the unauthorized EFT transactionstransfers if you had told us in time. If a good reason (such as a hospital stay) kept you from telling us, we You may extend the time periods. If you believe that your Bill Pay Account has been compromised or that someone has transferred or may transfer money from your account without your permission, call us at (000) 000-0000 or 1 toll free at (800000) 444- 8115, or email the Credit Union000-0000. Or you may write to us at: xxx.xxxxxxxxxxxxxxx.xxx or write the Black Hills Federal Credit Union at: Consolidated Community Credit Union XX Xxx 0000 Xxxxx Xxxx, XX 0xx Xxx Portland00000-0000 FEES AND CHARGES. There are certain charges for electronic services as set forth on BHFCU’s Schedule of Fees. From time to time, OR 97232the charges may be changed. We will notify you of any changes as required by law. If you request a transfer from your line of credit account, such transactions may be subject to charges under the terms and conditions of your loan agreement.

Liability for Unauthorized Access. You are responsible for all transactions transfers and bill pays you authorize using the Bill Pay services under this Agreement. If you permit other persons to use your Bill Payment Service Online Banking password or other means to access your account, 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 Bill Payment Service and Username and/or Password or accessed your accounts through Online Banking without your authorization. Telephoning is the best way of keeping If someone accesses your possible losses down. If account and completes one or more transfers from your account without your authorization, if you tell us within two (2) business daysdays after your learn of the unauthorized use, you can lose no not more than fifty dollars ($50 if someone accessed your account without your permission50.00). If you do not tell us within two (2) business days after you learn of the unauthorized use of your account or access codeaccount, and we can prove that we could have stopped someone from accessing your 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 Bill Pay transactions 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 sixty (60) days after the statement (on which the first transfer appears) was mailed to you, you may be liable not get back any money lost after the full amount of the loss sixty (60) days, if we can prove that we could have stopped someone from making the unauthorized EFT transactions. If a good reason (such as a hospital stay) kept transfers if you from telling us, we may extend the time periodshad told us in time. If you believe that someone has used your Bill Pay Account has been compromised Password or that someone has transferred or may transfer money from your account without your permissionauthorization, call us at the Credit Union at: (000) 000-0000 or 1 toll free 888-855-MYCU (8006928) 444- 8115, or email the Credit Union: xxx.xxxxxxxxxxxxxxx.xxx or write the us at: IU Credit Union at: Consolidated Community Credit Union 0000 XX 0xx Xxx PortlandPO Box 368 Bloomington, OR 97232IN 47402-0368

Liability for Unauthorized Access. You are responsible for all transactions transfers and xxxx payments you authorize using the Bill Pay services under this Agreement. If you permit other persons to use Online Banking or your Bill Payment Service access credentials, 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 Bill Payment Service and accessed your accounts through Online Banking without your authorization. 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 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 (we request that you call us as well). If you tell notify us within two (2) business daysdays after learning of the loss or theft of your access credentials or any unauthorized use of your account(s) through Online Banking, you can cannot lose no more than fifty dollars ($50 if someone accessed your account without your permission50.00). If you do not tell fail to notify us within two (2) business days after you learn of the loss or theft of your access credentials or any unauthorized use of your account or access codeaccount(s) through Online Banking, and we can prove that we could have stopped someone from accessing your 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 Bill Pay transactions Online Banking transfers that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may be liable not get back any money lost after the full amount of the loss sixty days (60) if we can prove that we could have stopped someone from making the unauthorized EFT transactionstransfers if you had told us in time. If a good reason (such as a hospital stay) kept you from telling us, we SELCO may extend the time periods. If you believe that your Bill Pay Account has been compromised or that someone has transferred or may transfer money from your account without your permission, call us at (000) 000-0000 or 1 (800) 444- 8115, or email the Credit Union: xxx.xxxxxxxxxxxxxxx.xxx or write the Credit Union at: Consolidated Community Credit Union 0000 XX 0xx Xxx Portland, OR 97232.

Liability for Unauthorized Access. You are responsible for all transactions transfers you authorize using the Bill Pay services under this Agreement. If you permit other persons to use the Services, your Bill Payment Service credentials, or your access code, you are responsible for any transactions they authorize or conduct on any of your accounts. This includes approving multi-factor authentication for a new device. However, tell us at once if you believe anyone has used your Bill Payment Service and access code or accessed your accounts through the Services without your authorization. Telephoning or visiting a branch is the best way of keeping your possible losses down. If you tell us within two (2) business days, you can lose no not more than $50 if someone accessed accesses your account accounts without your permission. If you do not tell us within two (2) business days after you learn of the unauthorized use of your account or access code, and we can prove that we could have stopped someone from accessing your account without your permission if you had told us, you could lose as much as $500. Also, if your statement shows Bill Online Banking, Mobile Banking, or Xxxx Pay transactions transfers that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may be liable not get back any money lost after the full amount of the loss sixty days if we can prove that we could have stopped someone from making the unauthorized EFT transactionstransfers if you had told us in time. If a good reason (such as a hospital stay) kept you from telling us, we may extend the time periods. If you believe that someone has used your Bill Pay Account has been compromised access code or that someone has transferred or may transfer money from your account without your permission, call us at (the Credit Union at: 000) -000-0000 or 1 (800) 444- 8115, or email 803-343-0300 Email the Credit UnionUnion at: xxx.xxxxxxxxxxxxxxx.xxx or xxxx@xxxxx.xxx Or write the Credit Union at: Consolidated Community State Credit Union 0000 X.X. Xxx 000 Xxxxxxxx, XX 0xx Xxx Portland, OR 9723200000 4. Business Days. Our business days are Monday through Friday. Federal holidays are not included.

Liability for Unauthorized Access. You are responsible for all transactions transfers you authorize using the Bill Pay services under this Agreement. If you permit other persons to use the Online Home Banking service or your Bill Payment Service personal identification information, 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 Bill Payment Service and personal identification information or accessed your accounts through Online Home Banking without your authorization. Telephoning is the best way of keeping your possible losses down. If you tell us within two (2) business days, you can lose no more than fifty dollars ($50 50.00) if someone accessed accesses your account accounts without your permission. If you do not tell us within two (2) business days after you learn of the unauthorized use of your account or access codepersonal identification information, and we can prove that we could have stopped someone from accessing your 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 Bill Pay transactions Online Home Banking transfers that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may be liable not get back any money lost after the full amount of the loss sixty days (60) if we can prove that we could have stopped someone from making the unauthorized EFT transactionstransfers if you had told us in time. If a good reason (such as a hospital stay) kept you from telling us, we may will extend the time periods. If you believe that someone has used your Bill Pay Account has been compromised personal identification information or that someone 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 or 1 (800) 444- 8115, or email the Credit Union: xxx.xxxxxxxxxxxxxxx.xxx during business hours or write the Credit Union at: Consolidated Community Bar-Cons Federal Credit Union 0000 XX 0xx Xxx PortlandX Xxxx Xx Columbus IN 47201 BUSINESS DAYS Our business days are Monday through Friday. Holidays are not included. FEES AND CHARGES There are certain charges for Online Home Banking services as set forth on the Credit Union’s Fee Schedule. From time to time, OR 97232the 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. The Online Home Banking service is free to members. PERIODIC STATEMENTS Transfers, withdrawals, 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 any case, you will receive a statement at least quarterly. ACCOUNT INFORMATION DISCLOSURE We will disclose information to third parties about your account or the transfers you make: