Common use of Liability for Unauthorized Access Clause in Contracts

Liability for Unauthorized Access. You are responsible for all transfers you authorize under this Agreement. If you permit other persons to use the Online Home Banking service or your 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 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 ($50.00) if someone accesses your accounts without your permission. If you do not tell us within two (2) business days after you learn of the unauthorized use of your account or personal 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 ($500.00). 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 sixty (60) days after the statement was mailed to you, you may not get back any money lost after the sixty days (60) if we can prove that we could have stopped someone from making the transfers if you had told us in time. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periods. 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 the Credit Union at: 372-8776 or 800-844-8776 during business hours or write the 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, 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. The Online Home Banking service is free to members. 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. We will disclose information to third parties about your account or the transfers you 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 Home Banking service Money Manager Service or your personal identification informationUsername 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 personal identification information Username or Password or accessed your accounts through Online Home Banking 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 fifty dollars (the lesser of $50.00) 50 or the amount of unauthorized EFTs that occur if someone accesses used your accounts 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 personal identification informationPassword, 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 five hundred dollars ($500.00). In any event your liability for unauthorized line of credit transactions through Online Home Banking is fifty dollars ($50.00)500. 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 sixty (60) 60 days after the statement was mailed to you, you may not get back any money you lost after the sixty 60 days (60) if we can prove that we could have stopped someone from making taking the transfers 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 periodsperiod. 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 the Credit Union at: 372us at (000) 000-8776 or 800-844-8776 during business hours 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 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 telephone number or address listed above in this disclosure, as set forth 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 Credit Union’s Fee Schedule. From time to time, the charges may be changedstatement or receipt. We will notify must hear from you of any changes as required by law. If you request a transfer no later than 60 days after we sent the FIRST statement on which the problem 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. 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. We will disclose information to third parties about your account or the transfers you make:error appeared.

Liability for Unauthorized Access. You are responsible for all transfers and xxxx payments you authorize under this Agreement. If you permit other persons to use the Online Home Banking service or your personal identification informationaccess 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 personal identification information or accessed your accounts through Online Home 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 ($50.00) if someone accesses your accounts without your permission). 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 personal identification informationaccount(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 ($500.00). 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 sixty (60) days after the statement was mailed to you, you may not get back any money lost after the sixty days (60) if we can prove that we could have stopped someone from making the transfers if you had told us in time. If a good reason (such as a hospital stay) kept you from telling us, we will SELCO may extend the time periods. 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 the Credit Union at: 372-8776 or 800-844-8776 during business hours or write the 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, 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. The Online Home Banking service is free to members. 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. We will disclose information to third parties about your account or the transfers you 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 South Metro Federal Credit Union Home Banking service Service or your personal identification informationAccess 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 personal identification information access code or accessed your accounts through Online South Metro Federal Credit Union Home Banking Service 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 ($50.00) if someone accesses your accounts without your permission. If you do not tell us within two (2) business days after you learn of the unauthorized use of your account or personal identification informationAccess 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 ($500.00). In any event your liability for unauthorized line of credit transactions through Online South Metro Federal Credit Union Home Banking Service is fifty dollars ($50.00). Also, if your statement shows Online 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 sixty (60) days after the statement was mailed to you, you may not get back any money lost after the sixty days (60) if we can prove that we could have stopped someone from making the transfers if you had told us in time. If a good reason (such as a hospital stay) kept you from telling us, we will may extend the time periods. If you believe that unauthorized access has occurred or someone has used your personal identification information Access Code or has transferred or may transfer money from your account without your permission, call the Credit Union SMFCU at: 372000-8776 000-0000 or 800E-844-8776 during business hours mail us at: xxxxxxxxxxxxx@xxxxxxxx.xxx or write the Credit Union SMFCU at: Bar-Cons South Metro Federal Credit Union 0000 X Xxxx Xx Columbus IN 47201 Xxxxxx Xxxxx Xxxxx Xxxxx Xxxx, XX 00000 BUSINESS DAYS - Our business days are Monday through Friday, excluding Federal holidays. Holidays are not included. FEES AND CHARGES - There are certain charges for Online South Metro Federal Credit Union Home Banking services Service as set forth on the Credit Union’s SMFCU'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. The Online Home Banking service is free to members. PERIODIC STATEMENTS - Transfers, withdrawals, and xxxx bill payments transacted through Online 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 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 account 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, 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 transfers you authorize under this Agreement. If you permit other persons to use the Online Home Banking service or your personal identification informationpassword, 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 personal identification information password 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 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 unauthorized use of your account or personal identification informationpassword, 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 ($500.00). 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 sixty (60) days after the statement was mailed to you, you may not get back any money lost after the sixty days (60) if we can prove that we could have stopped someone from making the transfers if you had told us in time. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periods. If you believe that someone has used your personal identification information password or has transferred or may transfer money from your account without your permission, call the Credit Union at: 372(000)000-8776 or 800-844-8776 during business hours or write the 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 '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. The Online Home Banking service is free to members. 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. 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 transfers you authorize under this Agreement. If you permit other persons to use the Online Home Banking service or your 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 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 ($50.00) if someone accesses your accounts without your permission. If you do not tell us within two (2) business days after you learn of the unauthorized use of your account or personal 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 ($500.00). 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 sixty (60) days after the statement was mailed to you, you may not get back any money lost after the sixty days (60) if we can prove that we could have stopped someone from making the transfers if you had told us in time. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periods. 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 the Credit Union at: 372-8776 or 800000-844000-8776 0000 during business hours or write the 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, 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. The Online Home Banking service is free to members. Transfers, withdrawals, and xxxx 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. We will disclose information to third parties about your account or the transfers you make:

Liability for Unauthorized Access. You are responsible for all transfers you authorize under this Agreement. If you permit other persons to use the Online Home Banking service or your personal identification information, you are responsible for any transactions they authorize or conduct on any of your accounts. However, must tell us at once AT ONCE if you believe anyone your password has used your personal identification information been lost or accessed your accounts through Online Home Banking stolen or if you believe that an electronic fund transfer has been made without your authorizationpermission. Telephoning is the best way of keeping your possible losses down. If A written notification to us should follow your telephone call. You could lose all the money in your account (plus your maximum overdraft line of credit). However, if you tell us within two (2) business daysbelieve your password has been lost or stolen, and 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 unauthorized use loss or theft, you can lose no more than $50.00 if someone used your password without your permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your account or personal identification information, password and we can prove that we you could have stopped someone from accessing using your account password without your permission if you had told us, you could lose as much as five hundred dollars ($500.00). 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, you will tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may not get back any money lost after the sixty days (60) if we can prove that we could have stopped someone from making the transfers if you had told us in time. If you can document a good reason (such as a hospital staystay or a long trip) kept you from telling us, we will extend the time periodsperiod. If you believe that someone has used your personal identification information password or has transferred or may transfer money from your account without your permission, you must call us at (000) 000-0000 or write us at: Pacific Service CU, P.O. Box 8191, Walnut Creek, CA 94596-8191. You should also call the Credit Union at: 372-8776 or 800-844-8776 during business hours number or write to the 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, the charges may be changed. We will notify address listed above if you of any changes as required by law. If you request believe a transfer or check withdrawal from has been made using information without 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. 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. We will disclose information to third parties about your account or the transfers you make:permission.

Liability for Unauthorized Access. You are responsible for all transfers and bill pays you authorize under this Agreement. If you permit other persons to use the your Online Home Banking service password or other means to access your personal identification informationaccount, 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 personal identification information Username and/or Password or accessed your accounts through Online Home 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 ($50.00) if someone accesses your accounts without your permission). If you do not tell us within two (2) business days after you learn of the unauthorized use of your account or personal identification informationaccount, 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 ($500.00). 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 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 not get back any money lost after the sixty days (60) days, if we can prove that we could have stopped someone from making the transfers if you had told us in time. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periods. If you believe that someone has used your personal identification information Password or has transferred or may transfer money from your account without your permissionauthorization, call the Credit Union at: 372(000) 000-8776 0000 or 800toll free 888-844855-8776 during business hours MYCU (6928) or write the us at: IU Credit Union at: BarPO Box 368 Bloomington, IN 47402-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, 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. The Online Home Banking service is free to members. 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. We will disclose information to third parties about your account or the transfers you make:0368

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 you authorize under this Agreement. If you permit other persons to use the Online Home Banking service Services or your personal identification informationaccess 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 personal identification information access code or accessed your accounts through Online Home Banking 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 fifty dollars ($50.00) 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 unauthorized use of your account or personal identification informationaccess 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 ($500.00). In any event your liability for unauthorized line of credit transactions through Online Home Banking is fifty dollars ($50.00)500. Also, if your statement shows Online Home 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 not get back any money lost after the sixty days (60) if we can prove that we could have stopped someone from making the transfers if you had told us in time. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periods. If you believe that someone has used your personal identification information access code or has transferred or may transfer money from your account without your permission, call the Credit Union at: 372-8776 3Rivers at 000.000.0000 or 800-844-8776 800.825.3641 during normal business hours or write the Credit Union atto: Bar-Cons Federal Credit Union 0000 X X.X. Xxx 0000, 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 timeXxxxx, 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 accountIndiana, 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. 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. We will disclose information to third parties about your account or the transfers you make:46801.

Liability for Unauthorized Access. You are responsible for all transfers transactions you authorize using Xxxx Pay under this Agreement. If you permit other persons to use the Online Home Banking service or your personal identification informationpassword, 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 personal identification information or password and accessed your accounts through Online Home Banking 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 fifty dollars ($50.00) 50 if someone accesses accessed your accounts 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 personal identification informationpassword, 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 ($500.00)500. In any event your liability for unauthorized line of credit transactions through Online Home Banking is fifty dollars ($50.00). Also, if If your statement shows Online Home Banking transfers 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 not get back any money you lost after the sixty 60 days (60) if we can prove that we could have stopped someone from making taking the transfers money if you had told us in time. If a good reason (such as a hospital stay) kept you from telling us, we will may extend the time periods. If you believe your password has been lost or stolen or that someone has used your personal identification information or has transferred or may transfer money from your account without your permission, call : 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: 372-8776 or 800-844-8776 during business hours or write the Ventura County Credit Union at: BarXX Xxx 0000 Xxxxxxx, XX 00000-Cons Federal Credit Union 0000 X • Security of Password. Access to Xxxx Xx Columbus IN 47201 Our business days are Monday Pay is obtained through Friday. Holidays are not included. There are certain charges for Online Home Banking services as set forth on the Credit Union’s Fee ScheduleOnline Banking. From time Your password is confidential and should not be disclosed to time, the charges may be changedthird parties or recorded. We will notify You are responsible for safekeeping your password. You agree not to disclose or otherwise make your password available to anyone not authorized by you of any changes as required by lawto sign on your accounts. If you request a transfer authorize anyone to have or check withdrawal from use your line of credit accountpassword, such transactions you understand that person may be subject use Xxxx Pay to charges under 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 terms and conditions use of your loan agreementpassword 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 Online Home Banking Credit Union reserves the right to charge and/or change fees for this service is free to members. Transfers, withdrawals, and xxxx payments transacted through Online Home Banking will be recorded on your periodic statementin the future. 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 twenty-one (21) days prior notice before we begin to third parties about your account or the transfers you make:charge and/or change a fee for using this service.

Liability for Unauthorized Access. You are responsible for all transfers you authorize under this Agreement. If you permit other persons to use the Online Home Banking service or your personal identification informationpassword, 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 personal identification information password 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 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 unauthorized use of your account or personal identification informationpassword, 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 ($500.00). 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 sixty (60) days after the statement was mailed to you, you may not get back any money lost after the sixty days (60) if we can prove that we could have stopped someone from making the transfers if you had told us in time. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periods. If you believe that someone has used your personal identification information password or has transferred or may transfer money from your account without your permission, call the Credit Union at: 372(000)000-8776 or 800-844-8776 during business hours or write the 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 '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. The Online Home Banking service is free to members. Transfers, withdrawals, and xxxx 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. 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. xxx.xxxxxxxx.xxx 000-000-0000

Liability for Unauthorized Access. You are responsible for all transfers you authorize under this Agreement. If you permit other persons to use the Online Home Banking service or your 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 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 ($50.00) if someone accesses your accounts without your permission. If you do not tell us within two (2) business days after you learn of the unauthorized use of your account or personal 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 ($500.00). 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 sixty (60) days after the statement was mailed to you, you may not get back any money lost after the sixty days (60) if we can prove that we could have stopped someone from making the transfers if you had told us in time. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periods. 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 the Credit Union at: 372-8776 or 800-844-8776 during business hours or Or write the 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, 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. The Online Home Banking service is free to members. Transfers, withdrawals, and xxxx 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. Member who are opting to enroll in e- notices and e-statements, will not receive paper form of 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 account or the transfers you make:

Liability for Unauthorized Access. You are responsible for all transfers and xxxx payments you authorize under this Agreement. If you permit other persons to use the Online Home Banking service or your personal identification informationaccess 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 personal identification information or accessed your accounts through Online Home 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 ($50.00) if someone accesses your accounts without your permission). 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 personal identification informationaccount(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 ($500.00). 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 sixty (60) days after the statement was mailed to you, you may not get back any money lost after the sixty days (60) if we can prove that we could have stopped someone from making the transfers if you had told us in time. If a good reason (such as a hospital stay) kept you from telling us, we will SELCO may extend the time periods. 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 the Credit Union at: 372-8776 or 800-844-8776 during business hours or write the 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, 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. The Online Home Banking service is free to members. 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. We will disclose information to third parties about your account or the transfers you make:.

Liability for Unauthorized Access. You are responsible for all transfers you authorize under this Agreement. If you permit other persons to use the Online Home Banking service or your personal identification informationPIN, 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 personal identification information PIN 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 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 unauthorized use of your account or personal identification informationPIN, 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 ($500.00). 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 sixty (60) days after the statement was mailed to you, you may not get back any money lost after the sixty days (60) if we can prove that we could have stopped someone from making the transfers if you had told us in time. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periods. If you believe that someone has used your personal identification information PIN or has transferred or may transfer money from your account without your permission, call the Credit Union at: 372• (000) 000-8776 0000, Ext. 1 or 800• 000-844000-8776 0000, Ext., during business hours or hours. • Or write the Credit Union at: Bar-Cons Federal First Florida Credit Union 0000 X 000 Xxxx Xx Columbus IN 47201 0 Xxxxxxxxxxxx, Xxxxxxx 00000 Street 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 '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. The Online Home Banking service is free to members. Transfers, withdrawals, and xxxx 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. 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 transfers you authorize under this Agreement. If you permit other persons to use the Online Home Banking service or your personal identification informationpassword, 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 personal identification information password or accessed your accounts through Online Home 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 daysdays of someone accessing your accounts without your permission, you can lose no more than will only be liable for up to fifty dollars ($50.00) if someone accesses your accounts without your permission. 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 personal identification informationPIN, 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 ($500.00). In any event your Your liability for unauthorized line of credit transactions through Online Home Banking is fifty dollars ($50.00). Also, if If your statement shows Online Home 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 get back be able to recover any money lost after the sixty days (60) of your losses if we can prove that we could have stopped someone from making the transfers if you had told contacted us in timea timely manner. If a good reason (such as a hospital stay) kept you from telling us, we will We may extend the time periodsnotification timeframe if there are extenuating circumstances. If you believe that someone has used your personal identification information PIN or has transferred or may transfer money from your account without your permission, call the Credit Union at: 372-8776 888.436.1847 during regular business hours, email at xxxxxxxxxxxxxx@xxxx.xxx, or 800-844-8776 during business hours or write the write: Northeast Credit Union at: Bar-Cons Federal Credit Union XX XXX 0000 X Xxxx Xx Columbus IN 47201 Xxxxxxxxxx, XX 00000. Our business days are Monday through Friday. Saturday, Sunday and Federal Holidays are not includedconsidered business days. There are certain charges for Online Home Banking services as set forth on the Credit Union’s 's Fee Schedule. From time Fees and charges are subject to time, the charges may be changedchange. 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. 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 monthmonthly. In any case, you will receive a statement at least quarterlyYou may also sign up for free electronic statements. 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 transfers and xxxx payments you authorize under this Agreement. If you permit other persons to use the Online Home Banking service Financial Services or your personal identification informationaccess 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 personal identification information access code or accessed your accounts through Online Home Banking Financial Services without your authorization. Telephoning us at (000) 000-0000 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 ($50.00) if someone accesses your accounts without your permission. If you do not tell us within two (2) business days after you learn of the unauthorized use of your account or personal identification informationaccess 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 ($500.00). In any event your liability for unauthorized line of credit transactions through Online Home Banking Financial Services is fifty dollars ($50.00). Also, if your statement shows Online Home Banking Financial Service 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 not get back any money lost after the sixty days (60) days if we can prove that we could have stopped someone from making the transfers if you had told us in time. If a good reason reason, (such as i.e. a hospital stay) kept you from telling us, we will extend the time periods. If you believe that someone has used your personal identification information access code or has transferred or may transfer money from your account without your permission, call the Credit Union at: 372-8776 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 800-844-8776 during business hours a third party, such as a credit bureau or write the Credit Union at: Bar-Cons Federal Credit Union 0000 X Xxxx Xx Columbus IN 47201 Our business days are Monday through Fridaymerchant. Holidays are not included• To comply with government agency or court orders. There are certain charges for Online Home 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. The Online Home Banking service is free to members. 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. We will disclose information to third parties about your account or the transfers you make:give us written permission.