Common use of Liability for Unauthorized Transactions Clause in Contracts

Liability for Unauthorized Transactions. Protection from Unauthorized Transactions To protect yourself from unauthorized activity in your PayPal account, you should regularly log into your PayPal account and review your PayPal account statement. PayPal will notify you of each transaction by sending an email to your primary email address on file. You should review these transaction notifications to ensure that each transaction was authorized and accurately completed. PayPal will protect you from unauthorized activity in your PayPal account. When this protection applies, PayPal will cover you for the full amount of the unauthorized activity as long as you cooperate with us and follow the procedures described below. What is an Unauthorized Transaction An "Unauthorized Transaction" occurs when a payment is sent from your PayPal account that you did not authorize and that did not benefit you. For example, if someone steals your password, uses the password to access your PayPal account, and sends a payment from your PayPal account, an Unauthorized Transaction has occurred. What is not considered an Unauthorized Transaction The following are NOT considered Unauthorized Transactions: • If you give someone access to your PayPal account (by giving them your login information) and they use your PayPal account without your knowledge or permission. You are responsible for transactions made in this situation. • Invalidation and reversal of a payment as a result of the actions described under Refunds, Reversals and Chargebacks. Reporting an Unauthorized Transaction You should contact PayPal customer service immediately if you believe: • there has been an Unauthorized Transaction sent from your account; • there has been unauthorized access to your account; • your PayPal login information has been lost or stolen; or • any device you have used to access your PayPal account has been lost, stolen or deactivated. You must give us all the available information relating to circumstances of any Unauthorized Transactions, and/or misappropriated or unauthorized use of your account, and take all reasonable steps requested to assist PayPal in its investigation. If you notify us of an Unauthorized Transaction within sixty (60) days of the transaction and we are satisfied that it was an Unauthorized Transaction, you will be eligible for 100% protection for the Unauthorized Transaction. Error Resolution What is an Error

Liability for Unauthorized Transactions. Protection from Unauthorized Transactions To protect yourself from unauthorized activity in your PayPal account, you should regularly log into your PayPal account and review your PayPal account statement. PayPal will notify you of each transaction by sending an email to your primary email address on file. You should review these transaction notifications to ensure that each transaction was authorized and accurately completed. PayPal will protect you from unauthorized activity in your PayPal account. When this protection applies, PayPal will cover you for the full amount of the unauthorized activity as long as you cooperate with us and follow the procedures described below. What is an Unauthorized Transaction An "“Unauthorized Transaction" ” occurs when a payment money is sent from your PayPal account that you did not authorize and that did not benefit you. For example, if someone steals your password, uses the password to access your PayPal account, and sends a payment from your PayPal account, an Unauthorized Transaction has occurred. What is not considered an Unauthorized Transaction The following are NOT considered Unauthorized Transactions: • If you give someone access to your PayPal account (by giving them your login information) and they use your PayPal account without your knowledge or permission. You are responsible for transactions made in this situation. • Invalidation and reversal of a payment as a result of the actions described under Refunds, Reversals and Chargebacks. Reporting an Unauthorized Transaction You should contact PayPal customer service immediately if you believe: • there There has been an Unauthorized Transaction sent from your account; . • there There has been unauthorized access to your account; . • your Your PayPal login information has been lost or stolen; or . • any Any device you have used to access your PayPal account has been lost, stolen or deactivated. • You must give us all the available information relating to circumstances of any Unauthorized Transactions, and/or misappropriated or unauthorized use of your account, and take all reasonable steps requested to assist PayPal in its investigation. • If you notify us of an Unauthorized Transaction within sixty (60) days of the transaction and we are satisfied that it was an Unauthorized Transaction, you will be eligible for 100% protection for the Unauthorized Transaction. Error Resolution What is an Error

Liability for Unauthorized Transactions. Protection from Unauthorized Transactions To protect yourself from unauthorized activity in your PayPal account, you should regularly log into your PayPal account and review your PayPal account statement. PayPal will notify you of each transaction by sending an email to your primary email address on file. You should review these transaction notifications to ensure that each transaction was authorized and accurately completed. PayPal will protect you from unauthorized activity in your PayPal account. When this protection applies, PayPal will cover you for the full amount of the unauthorized activity as long as you cooperate with us and follow the procedures described below. What is an Unauthorized Transaction An "Unauthorized Transaction" occurs when a payment is sent from your PayPal account that you did not authorize and that did not benefit you. For example, if someone steals your password, uses the password to access your PayPal account, and sends a payment from your PayPal account, an Unauthorized Transaction has occurred. What is not considered an Unauthorized Transaction The following are NOT considered Unauthorized Transactions: • If you give someone access to your PayPal account (by giving them your login information) and they use your PayPal account without your knowledge or permission. You are responsible for transactions made in this situation. • Invalidation and reversal of a payment as a result of the actions described under Refunds, Reversals and Chargebacks. Reporting an Unauthorized Transaction You should contact PayPal customer service immediately if you believe: • there has been an Unauthorized Transaction sent from your account; • there has been unauthorized access to your account; • your PayPal login information has been lost or stolen; or • any device you have used to access your PayPal account has been lost, stolen or deactivated. You must give us all the available information relating to circumstances of any Unauthorized Transactions, and/or misappropriated or unauthorized use of your account, and take all reasonable steps requested to assist PayPal in its investigation. If you notify us of an Unauthorized Transaction within sixty (60) 60 days of the transaction and we are satisfied that it was an Unauthorized Transaction, you will be eligible for 100% protection for the Unauthorized Transaction. Error Resolution What is an Error

Liability for Unauthorized Transactions. Protection from Unauthorized Transactions To protect yourself from unauthorized activity in your PayPal account, you should regularly log into your PayPal account and review your PayPal account statement. PayPal will notify you of each transaction by sending an email to your primary email address on file. You should review these transaction notifications to ensure that each transaction was authorized and accurately completed. PayPal will protect you from unauthorized activity in your PayPal account. When this protection applies, PayPal will cover you for the full amount of the unauthorized activity as long as you cooperate with us and follow the procedures described below. What is an Unauthorized Transaction An "“Unauthorized Transaction" ” occurs when a payment is sent from your PayPal account that you did not authorize and that did not benefit you. For example, if someone steals your password, uses the password to access your PayPal account, and sends a payment from your PayPal account, an Unauthorized Transaction has occurred. What is not considered an Unauthorized Transaction The following are NOT considered Unauthorized Transactions: • If you give someone access to your PayPal account (by giving them your login information) and they use your PayPal account without your knowledge or permission. You are responsible for transactions made in this situation. • Invalidation and reversal of a payment as a result of the actions described under Refunds, Reversals and Chargebacks. Reporting an Unauthorized Transaction You should contact PayPal customer service immediately if If you believe: • there has been an Unauthorized Transaction sent from your account; • there has been unauthorized access to your account; • believe your PayPal login information has been lost or stolen; , please contact PayPal customer service immediately. Tell us if you believe that an electronic fund transfer has been made without your permission using your login information or • any device by other means. You could lose all the money in your PayPal account. If you have used to access tell us within 60 days after we provide you your PayPal account has been lost, stolen or deactivated. You must give us all the available information relating to circumstances of any Unauthorized Transactions, and/or misappropriated or unauthorized use of your account, and take all reasonable steps requested to assist PayPal in its investigation. If statement showing transfers you notify us of an Unauthorized Transaction within sixty (60) days of the transaction and we are satisfied that it was an Unauthorized Transactiondid not make, you will be eligible for 100% protection for Unauthorized Transactions. If something unforeseen (such as a hospital stay) kept you from telling us before 60 days expires, we may extend the Unauthorized Transactioneligible time period. Error Resolution What is an Error

Liability for Unauthorized Transactions. Protection from Unauthorized Transactions To protect yourself from unauthorized activity in your PayPal account, you should regularly log into your PayPal account and review your PayPal account statement. PayPal will notify you of each transaction by sending an email to your primary email address on file. You should review these transaction notifications to ensure that each transaction was authorized and accurately completed. PayPal will protect you from unauthorized activity in your PayPal account. When this protection applies, PayPal will cover you for the full amount of the unauthorized activity as long as you cooperate with us and follow the procedures described below. What is an Unauthorized Transaction An "“Unauthorized Transaction" ” occurs when a payment money is sent from your PayPal account that you did not authorize and that did not benefit you. For example, if someone steals your password, uses the password to access your PayPal account, and sends a payment from your PayPal account, an Unauthorized Transaction has occurred. What is not considered an Unauthorized Transaction The following are NOT considered Unauthorized Transactions: • If you give someone access to your PayPal account (by giving them your login information) and they use your PayPal account without your knowledge or permission. You are responsible for transactions made in this situation. • Invalidation and reversal of a payment as a result of the actions described under Refunds, Reversals and Chargebacks. Reporting an Unauthorized Transaction You should contact PayPal customer service immediately if you believe: • there There has been an Unauthorized Transaction sent from your account; . • there There has been unauthorized access to your account; . • your Your PayPal login information has been lost or stolen; or . • any Any device you have used to access your PayPal account has been lost, stolen or deactivated. • You must give us all the available information relating to circumstances of any Unauthorized Transactions, and/or misappropriated or unauthorized use of your account, and take all reasonable steps requested to assist PayPal in its investigation. • If you notify us of an Unauthorized Transaction within sixty (60) 60 days of the transaction and we are satisfied that it was an Unauthorized Transaction, you will be eligible for 100% protection for the Unauthorized Transaction. Error Resolution What is an Error

Liability for Unauthorized Transactions. Protection from Unauthorized Transactions To protect yourself from unauthorized activity in your PayPal account, you should regularly log into your PayPal account and review your PayPal account statement. PayPal will notify you of each transaction by sending an email to your primary email address on file. You should review these transaction notifications to ensure that each transaction was authorized and accurately completed. PayPal will protect you from unauthorized activity in your PayPal account. When this protection applies, PayPal will cover you for the full amount of the unauthorized activity as long as you cooperate with us and follow the procedures described below. What is an Unauthorized Transaction An "Unauthorized Transaction" occurs when a payment is sent from your PayPal account that you did not authorize and that did not benefit you. For example, if someone steals your password, uses the password to access your PayPal account, and sends a payment from your PayPal account, an Unauthorized Transaction has occurred. What is not considered an Unauthorized Transaction The following are NOT considered Unauthorized Transactions: • If you give someone access to your PayPal account (by giving them your login information) and they use your PayPal account without your knowledge or permission. You are responsible for all your transactions or transactions that you authorize another person to make with the Debit Card. If your Checking Account is a joint account, all transactions involving the Account are binding on all Account holders. You are required to tell the SUMMIT RIDGE CREDIT UNION “At Once” if you believe your Debit Card or PIN have been lost or stolen. If you fail to notify the Credit Union within 60 days of receiving your statement you may not receive a credit for money lost if SUMMIT RIDGE CREDIT UNION proves that the loss could have been prevented if you had notified SUMMIT RIDGE CREDIT UNION in a timely manner. A police report will be required. Rules Of The Account: All transactions covered by the Agreement are also subject to all rules and agreements that govern the Transaction Account being debited or credited in connection with a transaction, except as modified by this Agreement. Foreign Transactions: Transactions that you initiate in foreign countries and foreign currencies will be charged to your account in US dollars. The conversion rate to dollars will be made in this situationaccordance with the operating regulations for international transactions established by Visa, the facilitator of such transactions. • Invalidation and reversal of a payment as a result Fees for transactions done out of the actions described under RefundsUnited States may apply. Effect Of Agreement: Even though the sales, Reversals cash advance, or other slips that you may sign or receive when using the Debit Card may contain different terms, the term of the Debit Card Agreement is the sole Agreement that applies to all transactions. Additional Benefits/Card Enhancements: SUMMIT RIDGE CREDIT UNION may from time to time offer additional services at no additional cost and Chargebacksothers may involve a specified fee. Reporting an Unauthorized Transaction You should contact PayPal customer service immediately if SUMMIT RIDGE CREDIT UNION is not obligated to offer such services and may withdraw or change them at any time. Change In Terms: SUMMIT RIDGE CREDIT UNION may amend the Debit Card Agreement from time to time by giving you believe: • there has been an Unauthorized Transaction sent from your account; • there has been unauthorized written notice. If any change results in greater cost or liability to you or decreases access to your account; • your PayPal login information has been lost or stolen; or • any device you have used to access your PayPal account has been lost, stolen or deactivated. You must give us all the available information relating to circumstances of any Unauthorized Transactions, and/or misappropriated or unauthorized use of your account, and take all reasonable steps requested to assist PayPal in its investigation. If you notify us of an Unauthorized Transaction within sixty (60) days of the transaction and we are satisfied that it was an Unauthorized Transaction, you will be eligible given at least twenty-one (21) days prior notice of the change. Termination Of Account: The Credit Union reserves the right to cancel your Card at any time without notice. You may also cancel your Card at any time. The Card remains the property of SUMMIT RIDGE CREDIT UNION. Notices: Notices will be mailed to your most recent address given to SUMMIT RIDGE CREDIT UNION. Notice sent to any joint account owner will be considered notice to all. General: To the extent permitted by law, you agree to pay reasonable cost, including attorneys’ fees in the event SUMMIT RIDGE CREDIT UNION sues to enforce the Debit Card Agreement. The Agreement is binding upon heirs, personal representatives, and successors and if more than one, jointly and severally. SUMMIT RIDGE CREDIT UNION 0000 XX Xxxxx Xxxxxx Rd., Lee’s Summit, Mo. 64064 Phone: 000-000-0000 Fax: 000-000-0000 Website: xxx.xxxxxx.xxx WELCOME TO OUR DEBIT CARD PROGRAM!! CO-OP ATM locations are available at xxx.xx-xxxxxxxxx.xxx. CO-OP ATMs are free…but other ATMs will impose a fee. For after hours, lost or stolen cards, call the number on the back of your card (0-000-000-0000) MasterCard Debit Card limit is $500.00 per day at the ATM and $1,000.00 for 100% protection purchases per day. Account Number MasterCard Debit Card, Share/Savings & Draft/Checking Account Access at ATM’s. Last Name First Name MI Social Security Number Street/Mailing Address City State Zip Code Home Phone Work Phone If you want a second card, the account must be a joint account. Last Name First Name MI Relationship Social Security Number If a MasterCard Debit Card is issued, the undersigned applicants, by signing or using the Card agree to be bound by the terms of the Card agreement and disclosure which has been furnished. I (we) agree to surrender the card (s) upon demand and authorize the credit union to obtain credit reports in connection with this application and for any update or renewal of the Unauthorized Transactioncard (s). Error Resolution What is an ErrorSignature Date Signature Date ************************************************************************************************************** For Credit Union Use Only: