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 Banking 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 login information or accessed your accounts through Online Banking service without your authorization. If you believe that someone has used your login information or has transferred or may transfer money from your account without your permission, call the Credit Union at: 000-000-0000 or 000-000-0000 or write the Credit Union at: LGE Community Credit Union, X.X. Xxx 0000, Xxxxxxxx, XX 00000 Availability: Services are accessible seven days a week, twenty-four hours a day. If we schedule downtime for maintenance, we will notify as warranted. We will attempt to post notices in case of unscheduled downtime but circumstances may prevent such notice. Alerts: By accepting this agreement, you recognize that Online Banking Alerts relative to your accounts are provided as an informational courtesy only. Online Banking Alerts are not provided as a real time mechanism to aid you in maintaining your account. Any fees incurred as a result of solely relying upon the alerts system for an updated account status are the responsibility of the account owner(s). Transactions: Transactions you perform via the Services will be reflected on your monthly statement. If you agree to receive eStatements and need a printed copy of your statement, contact us with the contact information listed at the end of this agreement. We continually add, change, and delete features from Online Banking. These changes are determined by our needs and the needs of the Online Banking users. The following list serves as an example of some of the features that are available. Account Access • Review account balances and transaction history • Transfer funds between your accounts and make loan payments • Transfer funds to savings, checking or loan accounts of other members whom have given you express consent • Schedule one-time or recurring transfers in the future or stop payment requests • View, save or print account statements, check copies, or tax notices • Open additional share or apply for a credit card or loan products • Review LGE Credit Card balances, transactions and statements • Make a transfer payment from an LGE savings or checking account to your LGE Credit Card • Set up e-mail notifications and alerts based on account balances, completed transfers, cleared checks, etc. • Export transactions to Quicken or a .CSV file • Submit address, phone or e-mail changes • External Transfer (allows you to schedule one-time transfers between LGE and other financial institutions.) Transaction limit can be imposed at our discretion. • Xxxx Pay (allows you to pay an unlimited number of bills online.) Standard delivery of bills is free. Expedited options will incur charges. • Mobile Banking (some restrictions of access, carriers, and additional fees may apply not instituted by the credit union) Acts of Nature: We are not liable for failure to account access, if such failures are outside of our control, including but not limited to acts of nature and other situations as required by us or Federal or Local law. eStatements and Notices: When you register for Online Banking, you consent to receive your periodic account statements online through our eStatement service from this point forward and notify you via e-mail that your statement is ready for viewing. You have the option to download or print the documents for future reference. eStatements and notices are accessed by signing on to Online Banking and clicking on the “Account & Statements” widget. You will be able to access statements and other documents online for a period of 24 months. We will stop sending paper statements on this account unless you notify us that you no longer wish to receive e-statements; however you can always request a special copy of the statement be created for you. Paper Copy: You have the right to receive a paper version of a periodic statement, disclosure, and notice required by federal and state regulations upon request. There may be a fee for requesting any paper copy of an electronic statement we have previously provided to you. Refer to our Schedule of Fees. Fees And Charges : There is currently no fee for the Service or termination thereof. However, Credit Union reserves the right to impose fees or to subsequently change any fee structure with or without notice as required by law. Your Right to Terminate: If you decide to withdraw your consent to do further business electronically with us, the legal validity, and enforceability of prior electronic disclosures will not be affected. You may cancel at any time at no fee, by e-mailing your request to XxxxxxxXxxxxxXxxxxxx@XXXxxx.xxx, or telephoning us at 000-000-0000 or writing us at LGE Community Credit Union, X.X. Xxx 0000, Xxxxxxxx, Xx. 00000. Depending on when the request for cancellation is received, we will cancel your e-alerts within a reasonable amount of time. Once electronic services are terminated or limited, we will begin mailing your paper disclosures, notices, and periodic statements required by federal and state regulations to you via the U.S. Mail.

Liability for Unauthorized Access. You are responsible for all transfers you authorize under this Agreement. If you permit other persons to use the Online Banking serviceservice or your 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 login information password or accessed your accounts through Online 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 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 password, 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 Banking is fifty dollars ($50.00). Also, if your statement shows Online Banking transfers that you did not make, tell us at once. If you do not tell us within 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 login information password or has transferred or may transfer money from your account without your permission, call the Credit Union at: 000-000(000)000-0000 or 000-000-0000 or write the Credit Union at: LGE Community Credit Union, X.X. Xxx 0000, Xxxxxxxx, XX 00000 Availability: Services Business Days Our business days are accessible seven days a week, twenty-four hours a dayMonday through Friday. If we schedule downtime for maintenance, we will notify as warranted. We will attempt to post notices in case of unscheduled downtime but circumstances may prevent such notice. Alerts: By accepting this agreement, you recognize that Online Banking Alerts relative to your accounts are provided as an informational courtesy only. Online Banking Alerts Holidays are not provided as a real time mechanism to aid you in maintaining your account. Any fees incurred as a result of solely relying upon the alerts system for an updated account status are the responsibility of the account owner(s). Transactions: Transactions you perform via the Services will be reflected on your monthly statement. If you agree to receive eStatements and need a printed copy of your statement, contact us with the contact information listed at the end of this agreement. We continually add, change, and delete features from Online Banking. These changes are determined by our needs and the needs of the Online Banking users. The following list serves as an example of some of the features that are available. Account Access • Review account balances and transaction history • Transfer funds between your accounts and make loan payments • Transfer funds to savings, checking or loan accounts of other members whom have given you express consent • Schedule one-time or recurring transfers in the future or stop payment requests • View, save or print account statements, check copies, or tax notices • Open additional share or apply for a credit card or loan products • Review LGE Credit Card balances, transactions and statements • Make a transfer payment from an LGE savings or checking account to your LGE Credit Card • Set up e-mail notifications and alerts based on account balances, completed transfers, cleared checks, etc. • Export transactions to Quicken or a .CSV file • Submit address, phone or e-mail changes • External Transfer (allows you to schedule one-time transfers between LGE and other financial institutions.) Transaction limit can be imposed at our discretion. • Xxxx Pay (allows you to pay an unlimited number of bills online.) Standard delivery of bills is free. Expedited options will incur charges. • Mobile Banking (some restrictions of access, carriers, and additional fees may apply not instituted by the credit union) Acts of Nature: We are not liable for failure to account access, if such failures are outside of our control, including but not limited to acts of nature and other situations as required by us or Federal or Local law. eStatements and Notices: When you register for Online Banking, you consent to receive your periodic account statements online through our eStatement service from this point forward and notify you via e-mail that your statement is ready for viewing. You have the option to download or print the documents for future reference. eStatements and notices are accessed by signing on to Online Banking and clicking on the “Account & Statements” widget. You will be able to access statements and other documents online for a period of 24 months. We will stop sending paper statements on this account unless you notify us that you no longer wish to receive e-statements; however you can always request a special copy of the statement be created for you. Paper Copy: You have the right to receive a paper version of a periodic statement, disclosure, and notice required by federal and state regulations upon request. There may be a fee for requesting any paper copy of an electronic statement we have previously provided to you. Refer to our Schedule of Feesincluded. Fees And Charges : There is currently no fee are certain charges for Online Banking services as set forth on the Service or termination thereofCredit Union's Fee Schedule. HoweverFrom time to time, Credit Union reserves the right to impose fees or to subsequently change charges may be changed. We will notify you of any fee structure with or without notice changes as required by law. Your Right to Terminate: If you decide request a transfer or check withdrawal from your line of credit account, such transactions may be subject to withdraw charges under the terms and conditions of your consent to do further business electronically with usloan agreement. Periodic Statements Transfers, the legal validitywithdrawals, and enforceability of prior electronic disclosures bill payments transacted through Online Banking will not be affectedrecorded on your periodic statement. You may cancel will receive a statement monthly unless there is no transaction in a particular month. In any case, you will receive a statement at any time at no fee, by e-mailing least quarterly. Account Information Disclosure We will disclose information to third parties about your request account or the transfers you make: • To verify the existence of sufficient funds to XxxxxxxXxxxxxXxxxxxx@XXXxxx.xxx, or telephoning us at 000-000-0000 or writing us at LGE Community Credit Union, X.X. Xxx 0000, Xxxxxxxx, Xx. 00000. Depending on when cover specific transactions upon the request for cancellation is receivedof a payee or a third party, we will cancel such as a credit bureau or merchant. • To comply with government agency or court orders. • If you give us your e-alerts within a reasonable amount of time. Once electronic services are terminated or limited, we will begin mailing your paper disclosures, notices, and periodic statements required by federal and state regulations to you via the U.S. Mailwritten permission.

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 your Alamosa State Bank Online Banking serviceService or your 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 login information Password or accessed your accounts through the Alamosa State Bank Online Banking service Service without your authorization. Telephoning is the best way of keeping your possible losses down. Also, if your statement shows an Alamosa State Bank Online Banking Service transfer(s) 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 unauthorized access has occurred or someone has used your login information Password or has transferred or may transfer money from your account without your permission, call the Credit Union Alamosa State Bank at: 000-000(000)000-0000 or (000-) 000-0000 or write the Credit Union atto: LGE Community Credit Union, X.X. Alamosa State Bank XX Xxx 0000, Xxxxxxxx0000 Xxxxxxx, XX 00000 Availability: Services BUSINESS DAYS. Our business days are accessible seven days Monday through Friday, 8:00am-5:00pm MTN excluding federal holidays. FEES AND CHARGES. There are no charges for using the Alamosa State Bank Online Banking, however there are fees with the Xxxx Pay Service, the first three (3) months for new ASB Xxxx Pay users are fee, then a weekmonthly fee of $5.95 to pay ten (10) bills in one calendar month will be charged. Any fees applicable to your accounts with Alamosa State Bank as set forth on the Alamosa State Banks’ Fee Schedule will apply. From time to time, twenty-four hours a day. If we schedule downtime for maintenance, we will notify as warrantedthe charges may be changed. We will attempt to post notices in case of unscheduled downtime but circumstances may prevent such notice. Alerts: By accepting this agreement, you recognize that Online Banking Alerts relative to your accounts are provided as an informational courtesy only. Online Banking Alerts are not provided as a real time mechanism to aid you in maintaining your account. Any fees incurred as a result of solely relying upon the alerts system for an updated account status are the responsibility of the account owner(s). Transactions: Transactions you perform via the Services will be reflected on your monthly statement. If you agree to receive eStatements and need a printed copy of your statement, contact us with the contact information listed at the end of this agreement. We continually add, change, and delete features from Online Banking. These changes are determined by our needs and the needs of the Online Banking users. The following list serves as an example of some of the features that are available. Account Access • Review account balances and transaction history • Transfer funds between your accounts and make loan payments • Transfer funds to savings, checking or loan accounts of other members whom have given you express consent • Schedule one-time or recurring transfers in the future or stop payment requests • View, save or print account statements, check copies, or tax notices • Open additional share or apply for a credit card or loan products • Review LGE Credit Card balances, transactions and statements • Make a transfer payment from an LGE savings or checking account to your LGE Credit Card • Set up e-mail notifications and alerts based on account balances, completed transfers, cleared checks, etc. • Export transactions to Quicken or a .CSV file • Submit address, phone or e-mail changes • External Transfer (allows you to schedule one-time transfers between LGE and other financial institutions.) Transaction limit can be imposed at our discretion. • Xxxx Pay (allows you to pay an unlimited number of bills online.) Standard delivery of bills is free. Expedited options will incur charges. • Mobile Banking (some restrictions of access, carriers, and additional fees may apply not instituted by the credit union) Acts of Nature: We are not liable for failure to account access, if such failures are outside of our control, including but not limited to acts of nature and other situations as required by us or Federal or Local law. eStatements and Notices: When you register for Online Banking, you consent to receive your periodic account statements online through our eStatement service from this point forward and notify you via e-mail that your statement is ready for viewing. You have the option to download or print the documents for future reference. eStatements and notices are accessed by signing on to Online Banking and clicking on the “Account & Statements” widget. You will be able to access statements and other documents online for a period of 24 months. We will stop sending paper statements on this account unless you notify us that you no longer wish to receive e-statements; however you can always request a special copy of the statement be created for you. Paper Copy: You have the right to receive a paper version of a periodic statement, disclosure, and notice required by federal and state regulations upon request. There may be a fee for requesting any paper copy of an electronic statement we have previously provided to you. Refer to our Schedule of Fees. Fees And Charges : There is currently no fee for the Service or termination thereof. However, Credit Union reserves the right to impose fees or to subsequently change any fee structure with or without notice changes as required by law. Your Right to Terminate: If PERIODIC STATEMENTS. Transfers, withdrawals and xxxx payments transacted through Alamosa State Bank's Online Banking Service will be recorded on your periodic statement. Additionally, through the Alamosa State Bank Online Banking Service, you decide to withdraw can view all your consent to do further business electronically with usrecent savings, the legal validity, checking and enforceability of prior electronic disclosures will not be affected. You may cancel loan transaction activity at any time at no fee, by e-mailing time. ACCOUNT INFORMATION DISCLOSURE. We will disclose information to third parties about your request account or the transfers you make: •As necessary to XxxxxxxXxxxxxXxxxxxx@XXXxxx.xxx, or telephoning us at 000-000-0000 or writing us at LGE Community Credit Union, X.X. Xxx 0000, Xxxxxxxx, Xxcomplete transfers and xxxx payments. 00000. Depending on when •To verify the existence of sufficient funds to cover specific transactions upon the request for cancellation is receivedof a payee or a third party, we will cancel such as a credit bureau or merchant. •To comply with government agency or court orders. •If you give us your e-alerts within a reasonable amount of timewritten permission. Once electronic services are terminated or limited, we will begin mailing your paper disclosures, notices, and periodic statements required •As otherwise permitted by federal and state regulations to you via the U.S. Maillaw.

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 serviceservice 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 login personal identification information or accessed your accounts through Online 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 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 login personal identification information or has transferred or may transfer money from your account without your permission, call the Credit Union at: 000-000-0000 or 000-000-0000 or during business hours Or write the Credit Union at: LGE Community Lakes Federal Credit Union, X.X. Xxx 0000, XxxxxxxxUnion XX XXX 000 Xxxxxxxxxx, XX 00000 Availability: Services BUSINESS DAYS Our business days are accessible seven days a weekMonday 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, twenty-four hours a day. If we schedule downtime for maintenance, we will notify as warrantedthe charges may be changed. We will attempt to post notices in case of unscheduled downtime but circumstances may prevent such notice. Alerts: By accepting this agreement, you recognize that Online Banking Alerts relative to your accounts are provided as an informational courtesy only. Online Banking Alerts are not provided as a real time mechanism to aid you in maintaining your account. Any fees incurred as a result of solely relying upon the alerts system for an updated account status are the responsibility of the account owner(s). Transactions: Transactions you perform via the Services will be reflected on your monthly statement. If you agree to receive eStatements and need a printed copy of your statement, contact us with the contact information listed at the end of this agreement. We continually add, change, and delete features from Online Banking. These changes are determined by our needs and the needs of the Online Banking users. The following list serves as an example of some of the features that are available. Account Access • Review account balances and transaction history • Transfer funds between your accounts and make loan payments • Transfer funds to savings, checking or loan accounts of other members whom have given you express consent • Schedule one-time or recurring transfers in the future or stop payment requests • View, save or print account statements, check copies, or tax notices • Open additional share or apply for a credit card or loan products • Review LGE Credit Card balances, transactions and statements • Make a transfer payment from an LGE savings or checking account to your LGE Credit Card • Set up e-mail notifications and alerts based on account balances, completed transfers, cleared checks, etc. • Export transactions to Quicken or a .CSV file • Submit address, phone or e-mail changes • External Transfer (allows you to schedule one-time transfers between LGE and other financial institutions.) Transaction limit can be imposed at our discretion. • Xxxx Pay (allows you to pay an unlimited number of bills online.) Standard delivery of bills is free. Expedited options will incur charges. • Mobile Banking (some restrictions of access, carriers, and additional fees may apply not instituted by the credit union) Acts of Nature: We are not liable for failure to account access, if such failures are outside of our control, including but not limited to acts of nature and other situations as required by us or Federal or Local law. eStatements and Notices: When you register for Online Banking, you consent to receive your periodic account statements online through our eStatement service from this point forward and notify you via e-mail that your statement is ready for viewing. You have the option to download or print the documents for future reference. eStatements and notices are accessed by signing on to Online Banking and clicking on the “Account & Statements” widget. You will be able to access statements and other documents online for a period of 24 months. We will stop sending paper statements on this account unless you notify us that you no longer wish to receive e-statements; however you can always request a special copy of the statement be created for you. Paper Copy: You have the right to receive a paper version of a periodic statement, disclosure, and notice required by federal and state regulations upon request. There may be a fee for requesting any paper copy of an electronic statement we have previously provided to you. Refer to our Schedule of Fees. Fees And Charges : There is currently no fee for the Service or termination thereof. However, Credit Union reserves the right to impose fees or to subsequently change any fee structure with or without notice changes as required by law. Your Right The Online Home Banking service is free to Terminate: 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. Member who are opting to enroll in e- notices and e-statements, will not receive paper form of these communications. If you decide require and printed paper statement, one can be obtained by calling the office. ACCOUNT INFORMATION DISCLOSURE We will disclose information to withdraw third parties about your consent to do further business electronically with us, account or the legal validity, and enforceability of prior electronic disclosures will not be affected. You may cancel at any time at no fee, by e-mailing your request to XxxxxxxXxxxxxXxxxxxx@XXXxxx.xxx, or telephoning us at 000-000-0000 or writing us at LGE Community Credit Union, X.X. Xxx 0000, Xxxxxxxx, Xx. 00000. Depending on when the request for cancellation is received, we will cancel your e-alerts within a reasonable amount of time. Once electronic services are terminated or limited, we will begin mailing your paper disclosures, notices, and periodic statements required by federal and state regulations to transfers you via the U.S. Mail.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 Banking serviceservice or your 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 login information password or accessed your accounts through Online Banking service without your authorization. Contacting us by telephone is the best way to minimize your possible losses. If you contact us within two (2) business days of someone accessing your accounts without your permission, you will only be liable for up to fifty dollars ($50.00) of any losses.. If you do not contact us within two (2) business days after you learn of the unauthorized use of your account or PIN, and we can prove that we could have stopped someone from accessing your account without your permission if you had told us, you could be liable for up to five hundred dollars ($500.00). Your liability for unauthorized line of credit transactions through Online Banking is fifty dollars ($50.00). If your statement shows Online Banking transfers that you did not make, please contact us immediately. If you do not contact us within sixty (60) days after the statement was mailed to you, you may not be able to recover any of your losses if we can prove that we could have stopped someone from making the transfers if you had contacted us in a timely manner. We may extend the notification timeframe if there are extenuating circumstances. If you believe that someone has used your login information or has transferred or may transfer money from your account without your permission, call the Credit Union at: 000-000-0000 330.724.9391 during regular business hours, or 000-000-0000 or write write: Goodyear Employees Credit Union 000 Xxxxx Xxx. Akron, Ohio 44306 Business Days Our business days are Monday through Friday. Saturday, Sunday 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 at: LGE Community Credit Union, X.X. Xxx 0000, Xxxxxxxx, XX 00000 Availability: Services 's Fee Schedule. Fees and charges are accessible seven days a week, twenty-four hours a day. If we schedule downtime for maintenance, we will notify as warrantedsubject to change. We will attempt to post notices in case of unscheduled downtime but circumstances may prevent such notice. Alerts: By accepting this agreement, you recognize that Online Banking Alerts relative to your accounts are provided as an informational courtesy only. Online Banking Alerts are not provided as a real time mechanism to aid you in maintaining your account. Any fees incurred as a result of solely relying upon the alerts system for an updated account status are the responsibility of the account owner(s). Transactions: Transactions you perform via the Services will be reflected on your monthly statement. If you agree to receive eStatements and need a printed copy of your statement, contact us with the contact information listed at the end of this agreement. We continually add, change, and delete features from Online Banking. These changes are determined by our needs and the needs of the Online Banking users. The following list serves as an example of some of the features that are available. Account Access • Review account balances and transaction history • Transfer funds between your accounts and make loan payments • Transfer funds to savings, checking or loan accounts of other members whom have given you express consent • Schedule one-time or recurring transfers in the future or stop payment requests • View, save or print account statements, check copies, or tax notices • Open additional share or apply for a credit card or loan products • Review LGE Credit Card balances, transactions and statements • Make a transfer payment from an LGE savings or checking account to your LGE Credit Card • Set up e-mail notifications and alerts based on account balances, completed transfers, cleared checks, etc. • Export transactions to Quicken or a .CSV file • Submit address, phone or e-mail changes • External Transfer (allows you to schedule one-time transfers between LGE and other financial institutions.) Transaction limit can be imposed at our discretion. • Xxxx Pay (allows you to pay an unlimited number of bills online.) Standard delivery of bills is free. Expedited options will incur charges. • Mobile Banking (some restrictions of access, carriers, and additional fees may apply not instituted by the credit union) Acts of Nature: We are not liable for failure to account access, if such failures are outside of our control, including but not limited to acts of nature and other situations as required by us or Federal or Local law. eStatements and Notices: When you register for Online Banking, you consent to receive your periodic account statements online through our eStatement service from this point forward and notify you via e-mail that your statement is ready for viewing. You have the option to download or print the documents for future reference. eStatements and notices are accessed by signing on to Online Banking and clicking on the “Account & Statements” widget. You will be able to access statements and other documents online for a period of 24 months. We will stop sending paper statements on this account unless you notify us that you no longer wish to receive e-statements; however you can always request a special copy of the statement be created for you. Paper Copy: You have the right to receive a paper version of a periodic statement, disclosure, and notice required by federal and state regulations upon request. There may be a fee for requesting any paper copy of an electronic statement we have previously provided to you. Refer to our Schedule of Fees. Fees And Charges : There is currently no fee for the Service or termination thereof. However, Credit Union reserves the right to impose fees or to subsequently change any fee structure with or without notice changes as required by law. Your Right to Terminate: Periodic Statements Transfers, withdrawals, transacted through Online Banking will be recorded on your periodic statement. If you decide do not sign up for free electronic statements there will be a charge for paper statements. Account Information Disclosure We will disclose information to withdraw third parties about your consent account or the transfers you make: • When it is necessary to do further business electronically with us, the legal validity, and enforceability of prior electronic disclosures will not be affected. You may cancel at any time at no fee, by e-mailing your request to XxxxxxxXxxxxxXxxxxxx@XXXxxx.xxxcomplete transfers or transactions, or telephoning us at 000-000-0000 to send notice of dishonor or writing us at LGE Community Credit Unionnon- payment. • To our accountants. • To credit union examiners. • To exchange, X.X. Xxx 0000in the regular course of business credit information, Xxxxxxxxwith 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, Xxcourt orders, or to furnish information required by law. 00000. Depending on when the • To furnish information about existence of an account for judgment by a creditor of yours who has made a written request for cancellation is received, such information. • When we will cancel your e-alerts within a reasonable amount of time. Once electronic services are terminated or limited, we will begin mailing your paper disclosures, notices, and periodic statements required attempting to collect an obligation owed to us unless otherwise prohibited by federal and state regulations to you via the U.S. Maillaw.

Liability for Unauthorized Access. You are responsible for all transfers you authorize under this Agreement. If you permit other persons to use the Online Banking serviceand Mobile Account Access services or your security access items, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell Please notify us at once immediately if you believe anyone has used your login information security access items or accessed your Updated February 2019 accounts through the Online Banking service or Mobile Account Access services without your authorization. Telephoning is the best way of keeping your possible losses down. If you believe tell us within two business days, you cannot lose more than fifty dollars ($50.00) if someone accesses your accounts without your permission. If you do not tell us within two business days after you learn of the unauthorized use of your account or security access items, and we can prove that we could have stopped someone has used your login information or has transferred or may transfer money from accessing your account without your permissionpermission if you had told us, call you could lose as much as five hundred dollars ($500.00). In any event your liability for unauthorized line of credit transactions through the Credit Union at: 000-000-0000 Online or 000-000-0000 or write the Credit Union at: LGE Community Credit UnionMobile Account Access services is fifty dollars ($50.00). Service Availability Our business days are Monday through Friday, X.X. Xxx 0000until 5:30pm. Weekend and holidays are not included. Online and Mobile Account Access is available 24 hours a day, Xxxxxxxx, XX 00000 Availability: Services are accessible seven days a week, twenty-four hours . Online and Mobile Account Access may be inaccessible for a day. If we schedule downtime reasonable period for system maintenance, but we will notify as warrantedwork to minimize such interruptions in service. We shall not be liable under this Agreement for failure to provide access. Termination of Service Your enrollment in the Online or Mobile Account Access services shall be determined at our sole discretion, subject to applicable law, we reserve the right to modify, suspend or terminate your Online or Mobile Account Access at any time and for any reason without notice. You or another owner on the account can terminate this Agreement by notifying us via email at xxxx@xxxxxxxxxxx.xxx or by phone at 000.000.0000. Termination of service will be effective no later than the first business day following receipt of your notification; however termination of this Agreement will not affect the rights and responsibilities of the parties under this Agreement for transactions initiated prior to termination. Fees and Charges If there are certain charges for additional features within the Online or Mobile Account Access services, they will be set forth on our Fee Schedule. A copy of the Fee Schedule can be located on our website xxx.xxxxxxxxxxx.xxx or you may request a paper copy at any time by calling us at 000.000.0000. From time to time, the charges may be changed. We will attempt to post notices in case notify you of unscheduled downtime but circumstances may prevent such notice. Alerts: By accepting this agreement, you recognize that Online Banking Alerts relative to your accounts are provided as an informational courtesy only. Online Banking Alerts are not provided as a real time mechanism to aid you in maintaining your account. Any fees incurred as a result of solely relying upon the alerts system for an updated account status are the responsibility of the account owner(s). Transactions: Transactions you perform via the Services will be reflected on your monthly statement. If you agree to receive eStatements and need a printed copy of your statement, contact us with the contact information listed at the end of this agreement. We continually add, change, and delete features from Online Banking. These any changes are determined by our needs and the needs of the Online Banking users. The following list serves as an example of some of the features that are available. Account Access • Review account balances and transaction history • Transfer funds between your accounts and make loan payments • Transfer funds to savings, checking or loan accounts of other members whom have given you express consent • Schedule one-time or recurring transfers in the future or stop payment requests • View, save or print account statements, check copies, or tax notices • Open additional share or apply for a credit card or loan products • Review LGE Credit Card balances, transactions and statements • Make a transfer payment from an LGE savings or checking account to your LGE Credit Card • Set up e-mail notifications and alerts based on account balances, completed transfers, cleared checks, etc. • Export transactions to Quicken or a .CSV file • Submit address, phone or e-mail changes • External Transfer (allows you to schedule one-time transfers between LGE and other financial institutions.) Transaction limit can be imposed at our discretion. • Xxxx Pay (allows you to pay an unlimited number of bills online.) Standard delivery of bills is free. Expedited options will incur charges. • Mobile Banking (some restrictions of access, carriers, and additional fees may apply not instituted by the credit union) Acts of Nature: We are not liable for failure to account access, if such failures are outside of our control, including but not limited to acts of nature and other situations as required by us or Federal or Local law. eStatements and Notices: When you register for Online Banking, you consent to receive your periodic account statements online through our eStatement service from this point forward and notify you via e-mail that your statement is ready for viewing. You have the option to download or print the documents for future reference. eStatements and notices are accessed by signing on to Online Banking and clicking on the “Account & Statements” widget. You will be able to access statements and other documents online for a specified period of 24 months. We will stop sending paper statements on this account unless you notify us that you no longer wish to receive e-statements; however you can always request a special copy of the statement be created for you. Paper Copy: You have the right to receive a paper version of a periodic statementtime, disclosure, and notice required by federal and state regulations upon request. There may be a fee for requesting any paper copy of an electronic statement we have previously provided to you. Refer to our Schedule of Fees. Fees And Charges : There is currently no fee for the Service or termination thereof. However, Credit Union reserves the right to impose fees or to subsequently change any fee structure with or without notice as required by law. Your Right to Terminate: If you decide request a transfer from a line of credit, such transactions may be subject to withdraw charges under the terms and conditions of your consent to do further business electronically with us, the legal validity, and enforceability of prior electronic disclosures will not be affected. You may cancel at any time at no fee, by e-mailing your request to XxxxxxxXxxxxxXxxxxxx@XXXxxx.xxx, or telephoning us at 000-000-0000 or writing us at LGE Community Credit Union, X.X. Xxx 0000, Xxxxxxxx, Xx. 00000. Depending on when the request for cancellation is received, we will cancel your e-alerts within a reasonable amount of time. Once electronic services are terminated or limited, we will begin mailing your paper disclosures, notices, and periodic statements required by federal and state regulations to you via the U.S. Mailoriginal loan agreement.