Common use of Liability for Unauthorized Access Clause in Contracts

Liability for Unauthorized Access. You are responsible for all transfers and bill payments you authorize under this Agreement. If you permit other persons to use the Accentra Credit Union Member Online or your PIN, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell us at once if you believe anyone has used your access code or accessed your accounts through Accentra Credit Union Member Online 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 PIN, and we can prove that we oculd have stopped someone from accessing your account without your permission if you had told us, you could lose as much as five hundred ($500.00). In any event your liability for unauthorized line of credit transactions through Accentra Credit Union Member Online is fifty dollars ($50.00). Also, if your statement shows Accentra Credit Union Member Online 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 (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 unauthorized access has occurred or someone has used your PIN or has transferred or may transfer money from your account without your permission, call Accentra Credit Union at: 507-433- 1829 or 0-000-000-0000 or write Accentra Credit Union at: Accentra Credit Union 000 0xx Xxx XX Xxxxxx, XX 00000 BUSINESS DAYS. Our business days are Monday through Friday, excluding Federal holidays. FEES AND CHARGES. There are certain charges for Accentra Credit Union Member Online as set forth on Accentra 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 from your line of credit account, such transactions may be subject to charges under the terms and conditions of your loan agreement.

Liability for Unauthorized Access. You are responsible for all transfers and bill payments you authorize under this Agreement. If you permit other persons to use the Accentra Credit Union Member Online Banking service or your PINpassword, 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 access code password or accessed your accounts through Accentra Credit Union Member Online Banking without your authorization. Telephoning is the best way of keeping your possible losses down. If you tell us within two (2) business days, you can lose 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 PINpassword, and we can prove that we oculd 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 Accentra Credit Union Member Online Banking is fifty dollars ($50.00). Also, if your statement shows Accentra Credit Union Member 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) 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 unauthorized access has occurred or someone has used your PIN password or has transferred or may transfer money from your account without your permission, call Accentra the Credit Union at: 507-433- 1829 or 0-000-000(000)000-0000 or write Accentra Credit Union at: Accentra Credit Union 000 0xx Xxx XX Xxxxxx, XX 00000 BUSINESS DAYS. Business Days Our business days are Monday through Friday, excluding Federal holidays. FEES AND CHARGESHolidays are not included. Fees And Charges There are certain charges for Accentra Credit Union Member Online Banking services as set forth on Accentra 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.. Periodic Statements Transfers, withdrawals, and bill payments transacted through Online Banking will be recorded on your periodic statement. You will receive a statement monthly unless there is no transaction in a particular month. In any case, you will receive a statement at least quarterly. Account Information Disclosure We will disclose information to third parties about your account or the transfers you make: • To verify the existence of sufficient funds to cover specific transactions upon the request of a payee or a third party, such as a credit bureau or merchant. • To comply with government agency or court orders. • If you give us your written permission. xxx.xxxxxxxx.xxx 000-000-0000

Liability for Unauthorized Access. You are responsible for all transfers and bill xxxx payments you authorize under this Agreement. If you permit other persons to use the Accentra Credit Union Member Online Financial Services or your PINaccess 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 access code or accessed your accounts through Accentra Credit Union Member Online 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 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 PINaccess code, and we can prove that we oculd 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 Accentra Credit Union Member Online Financial Services is fifty dollars ($50.00). Also, if your statement shows Accentra Credit Union Member Online 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 (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 unauthorized access has occurred or someone has used your PIN access code or has transferred or may transfer money from your account without your permission, call Accentra the Credit Union at: 507-433- 1829 or 0-000-000-0000 or write Accentra Credit Union at: Accentra Credit Union 000 0xx Xxx XX Xxxxxx, XX 00000 BUSINESS DAYSUnion. Business Days. Our business days are Monday through Friday, excluding Federal holidays. FEES AND CHARGESHolidays are not included. Fees and Charges. There are certain charges for Accentra Credit Union Member Online Financial Services as set forth on Accentra the Credit Union’s Fee Schedule. From time to time, the charges may be changed. We will notify you of any changes as required by law. If you request a transfer or check withdrawal from your line of credit account, such transactions may be subject to charges under the terms and conditions of your loan agreement. Periodic Statements. Transfers, withdrawals, and xxxx payments transacted through Online Financial Services will be recorded on your periodic statement. You will receive a statement monthly unless there is no transaction in a particular month. In any case, you will receive a statement at least quarterly. Account Information Disclosure. We will disclose information to third parties about your account or the transfers that you make: • As necessary to complete transfers and xxxx payments. • To verify the existence of sufficient funds to cover specific transactions upon the request of a payee or a third party, such as a credit bureau or merchant. • To comply with government agency or court orders. • If you give us written permission.

Liability for Unauthorized Access. You are responsible for all transfers and bill payments you authorize under this Agreement. If you permit other persons to use the Accentra Credit Union Member Online Banking service or your PINpassword, 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 access code password or accessed your accounts through Accentra Credit Union Member Online Banking without your authorization. Telephoning is the best way of keeping your possible losses down. If you tell us within two (2) business days, you can lose 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 PINpassword, and we can prove that we oculd 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 Accentra Credit Union Member Online Banking is fifty dollars ($50.00). Also, if your statement shows Accentra Credit Union Member 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) 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 unauthorized access has occurred or someone has used your PIN password or has transferred or may transfer money from your account without your permission, call Accentra the Credit Union at: 507-433- 1829 or 0-000-000(000)000-0000 or write Accentra Credit Union at: Accentra Credit Union 000 0xx Xxx XX Xxxxxx, XX 00000 BUSINESS DAYS. Business Days Our business days are Monday through Friday, excluding Federal holidays. FEES AND CHARGESHolidays are not included. Fees And Charges There are certain charges for Accentra Credit Union Member Online Banking services as set forth on Accentra 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. Periodic Statements Transfers, withdrawals, and xxxx payments transacted through Online Banking will be recorded on your periodic statement. You will receive a statement monthly unless there is no transaction in a particular month. In any case, you will receive a statement at least quarterly. Account Information Disclosure We will disclose information to third parties about your account or the transfers you make: • To verify the existence of sufficient funds to cover specific transactions upon the request of a payee or a third party, such as a credit bureau or merchant. • To comply with government agency or court orders. • If you give us your written permission.

Liability for Unauthorized Access. You are responsible for all transfers and bill payments you authorize under this Agreement. If you permit other persons to use the Accentra Credit Union Member Online Banking service or your PINpassword, 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 access code password or accessed your accounts through Accentra Credit Union Member Online Banking without your authorization. Telephoning Contacting us by telephone is the best way of keeping to minimize your possible losses downlosses. If you tell contact us within two (2) business daysdays of someone accessing your accounts without your permission, you can lose not 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 PIN, and we can prove that we oculd 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 Accentra Credit Union Member Online Banking is fifty dollars ($50.00). Also, if If your statement shows Accentra Credit Union Member Online Banking transfers that you did not make, tell please contact us at onceimmediately. If you do not tell contact us within sixty (60) days after the statement was mailed to you, you may not get back be able to recover any money lost after the sixty (60) days 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 unauthorized access has occurred or someone has used your PIN or has transferred or may transfer money from your account without your permission, call Accentra the Credit Union at: 507-433- 1829 330.724.9391 during regular business hours or 0-000-000-0000 or write Accentra Credit Union atwrite: Accentra Goodyear Employees Credit Union 000 0xx Xxx XX XxxxxxXxxxx Xxx. Akron, XX 00000 BUSINESS DAYS. Ohio 44306 Business Days Our business days are Monday through Friday. Saturday, excluding Sunday and Federal holidaysHolidays are not considered business days. FEES AND CHARGES. Fees and Charges There are certain charges for Accentra Credit Union Member Online Banking services (currently being waived) as set forth on Accentra 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. Periodic Statements Transfers, withdrawals, transacted through Online Banking will be recorded on your periodic statement. If you do not sign up for free electronic statements there will be a charge for paper statements. Account Information Disclosure We will disclose information to third parties about your account or the transfers you make: • When it is necessary to complete transfers or transactions, or to send notice of dishonor or non- payment. • To our accountants. • To credit union examiners. • To exchange, in the regular course of business credit information, with other financial institutions or commercial enterprises directly or through credit reporting agencies. • To furnish information to the appropriate law enforcement authorities when we have reason to believe we have been the victim of a crime. • To comply with government agencies, court orders, or to furnish information required by law. • To furnish information about existence of an account for judgment by a creditor of yours who has made a written request a transfer from your line of credit account, for such transactions may be subject information. • When we are attempting to charges under the terms and conditions of your loan agreementcollect an obligation owed to us unless otherwise prohibited by law.

Liability for Unauthorized Access. You are responsible for all transfers and bill payments you authorize under this Agreement. If you permit other persons to use the Accentra South Metro Federal Credit Union Member Online Home Banking Service or your PINAccess 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 access code or accessed your accounts through Accentra South Metro Federal Credit Union Member 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 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 PINAccess Code, and we can prove that we oculd could have stopped someone from accessing your account without your permission if you had told us, you could lose as much as five hundred ($500.00). In any event your liability for unauthorized line of credit transactions through Accentra South Metro Federal Credit Union Member Online Home Banking Service is fifty dollars ($50.00). Also, if your statement shows Accentra South Metro Federal Credit Union Member Online 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) 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 may extend the time periods. If you believe that unauthorized access has occurred or someone has used your PIN Access Code or has transferred or may transfer money from your account without your permission, call Accentra Credit Union SMFCU at: 507-433- 1829 or 0-000-000-0000 or E-mail us at: xxxxxxxxxxxxx@xxxxxxxx.xxx or write Accentra SMFCU at: South Metro Federal Credit Union at: Accentra Credit Union 000 0xx Xxx XX Xxxxxx0000 Xxxxxx Xxxxx Xxxxx Xxxxx Xxxx, XX 00000 BUSINESS DAYS. DAYS - Our business days are Monday through Friday, excluding Federal holidays. FEES AND CHARGES. CHARGES - There are certain charges for Accentra South Metro Federal Credit Union Member Online Home Banking Service as set forth on Accentra 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. PERIODIC STATEMENTS - Transfers, withdrawals, and bill payments transacted through South Metro Federal Credit Union Home Banking Service will be recorded on your periodic statement. You will receive a statement monthly unless there is no transaction in a particular month. In 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 request a transfer from give us your line of credit account, such transactions may be subject to charges under the terms and conditions of your loan agreementwritten permission.