Common use of Liability for Unauthorized Transactions Clause in Contracts

Liability for Unauthorized Transactions. You are responsible for all transactions you authorize using your EFT services under this Agreement. If you permit someone else to use an EFT service, your card or your access code, you are responsible for any transactions they authorize or conduct on any of your accounts. However, TELL US AT ONCE if you believe your card or access code has been lost or stolen, if you believe someone has used your card or access code or otherwise accessed your accounts without your permission, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your accounts (plus your maximum overdraft line-of-credit). If a transaction was made with your card or card number without your permission and was a Visa transaction, you will have no liability for the transaction unless you were fraudulent or negligent in the handling of your account or card. The Credit Union will be liable for unauthorized withdrawals if the unauthorized withdrawal was due to the loss or theft of your card or access code, and you notify us of the loss or theft of your card or access code within 60 days of receipt of the first statement showing the unauthorized withdrawal. In any case, your liability is limited to $50.00. Also, if your statement shows transfers with your card or card number that you did not make including those made by card, access code or other means, TELL US AT ONCE. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money lost after the 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 long trip or a hospital stay) kept you from telling us, we will extend the time periods. If you believe your card or access code has been lost or stolen or that someone has transferred or may transfer money from your accounts without your permission, call: 000.000.0000 or write to: MAGNIFI Financial Credit Union 00 Xxxxx Xxxxxx Xxxxxx Xxxx Xxxxxxx, XX 00000-0000 Fax: 000.000.0000 You should also call the number or write to the address listed above if you believe a transfer has been made using the information from your check without your permission.

Liability for Unauthorized Transactions. You are responsible for all transactions you authorize using your EFT services under this Agreement. If you permit someone else to use an EFT service, your card or your access code, you are responsible for any transactions they authorize or conduct on any of your accounts. However, TELL US AT ONCE if you believe your card or access code has been lost or stolen, if you believe someone has used your card or access code or otherwise accessed your accounts without your permission, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your accounts (plus your maximum overdraft line-of-credit). If a transaction was made with your card or card number without your permission and was a Visa transaction, you will have no liability for the transaction unless you were fraudulent or grossly negligent in the handling of your account card or cardaccess code. The Credit Union will be liable for unauthorized withdrawals at ATMs if the unauthorized withdrawal was due to the loss or theft of your card or access code, and you notify us of the loss or theft of your card or access code within 60 days of receipt of the first statement showing the unauthorized withdrawal. In any case, your liability is limited to $50.00. Also, if your statement shows transfers with your card or card number that you did not make including those made by card, access code or other means, TELL US AT ONCE. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money lost after the 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 long trip or a hospital stay) kept you from telling us, we will extend the time periods. If you believe your card or access code has been lost or stolen or that someone has transferred or may transfer money from your accounts without your permission, call: 000.000.0000 (000) 000-0000 (800) 785-AHCU (2428) or write to: MAGNIFI Anoka Hennepin Credit Union, a Division of TopLine Financial Credit Union 00 Xxxxx Xxxxxx Xxxxxx 0000 Xxxxxxxxx Xxxx XxxxxxxXxxxxxxxx Coon Rapids, XX 00000-0000 MN 55448 Fax: 000.000.0000 You should also call the number or write to the address listed above if you believe a transfer has been made using the information from your check without your permission.(000) 000-0000

Liability for Unauthorized Transactions. You are responsible for all transactions you authorize using your EFT services under this Agreement. If you permit someone else to use an EFT service, your card or your access code, you are responsible for any transactions they authorize or conduct on any of your accounts. However, TELL US AT ONCE if you believe your card or access code has been lost or stolen, if you believe someone has used your card or access code or otherwise accessed your accounts without your permission, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your accounts (plus your maximum overdraft line-of-credit). If a transaction was made with your card or card number without your permission and was a Visa transaction, you will have no liability for the transaction unless you were fraudulent or grossly negligent in the handling of your account card or cardaccess code. The Credit Union will be liable for unauthorized withdrawals at ATMs if the unauthorized withdrawal was due to the loss or theft of your card or access code, and you notify us of the loss or theft of your card or access code within 60 days of receipt of the first statement showing the unauthorized withdrawal. In any case, your liability is limited to $50.00. Also, if your statement shows transfers with your card or card number that you did not make including those made by card, access code or other means, TELL US AT ONCE. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money lost after the 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 long trip or a hospital stay) kept you from telling us, we will extend the time periods. If you believe your card or access code has been lost or stolen or that someone has transferred or may transfer money from your accounts without your permission, call: 000.000.0000 (000) 000-0000 or write to: MAGNIFI Financial Diversified Credit Union 00 Xxxxx 000 Xxxxxx Xxxxxx Xxxx XxxxxxxXxxxxxxxxxx, XX 0000000000 Fax: (000) 000-0000 Fax: 000.000.0000 You should also call the number or write to the address listed above if you believe a transfer has been made using the information from your check without your permission.

Liability for Unauthorized Transactions. You are responsible for all transactions you authorize using your EFT services under this Agreement. If you permit someone else to use an EFT service, your card or your access code, you are responsible for any transactions they authorize or conduct on any of your accounts. However, TELL US AT ONCE if you believe your card or access code has been lost or stolen, if you believe someone has used your card or access code or otherwise accessed your accounts without your permission, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your accounts (plus your maximum overdraft line-of-credit). If a transaction was made with your card or card number without your permission and was a Visa transaction, you will have no liability for the transaction unless you were fraudulent or negligent in the handling of your account or card. The Credit Union will be liable for unauthorized withdrawals if the unauthorized withdrawal was due to the loss or theft of your card or access code, and you notify us of the loss or theft of your card or access code within 60 days of receipt of the first statement showing the unauthorized withdrawal. In any case, your liability is limited to $50.00. Also, if your statement shows transfers with your card or card number that you did not make including those made by card, access code or other means, TELL US AT ONCE. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money lost after the 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 long trip or a hospital stay) kept you from telling us, we will extend the time periods. If you believe your card or access code has been lost or stolen or that someone has transferred or may transfer money from your accounts without your permission, call: 000.000.0000 (000) 000-0000 or toll free at 0 (000) 000-0000 and after hours at 0 (000) 000-0000 (lost/stolen) or write to: MAGNIFI Financial Carpenters Federal Credit Union 00 000 Xxxxx Xxxxxx Xxxxxx Xxxx XxxxxxxXx Xxxxx Xxxx, XX 00000MN 55130 Fax: (000) 000-0000 Fax: 000.000.0000 You should also call the number or write to the address listed above if you believe a transfer has been made using the information from your check without your permission.

Liability for Unauthorized Transactions. You are responsible for all transactions you authorize using your EFT services under this Agreement. If you permit someone else to use an EFT service, your card or your access code, you are responsible for any transactions they authorize or conduct on any of your accounts. However, TELL US AT ONCE if you believe your card or access code has been lost or stolen, if you believe someone has used your card or access code or otherwise accessed your accounts without your permission, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your accounts (plus your maximum overdraft line-of-credit). If a transaction was made with your card or card number without your permission and was a Visa transaction, you will have no liability for the transaction unless you were fraudulent or negligent in the handling of your account or card. The Credit Union will be liable for unauthorized withdrawals if the unauthorized withdrawal was due to the loss or theft of your card or access code, and you notify us of the loss or theft of your card or access code within 60 days of receipt of the first statement showing the unauthorized withdrawal. In any case, your liability is limited to $50.00. Also, if your statement shows transfers with your card or card number that you did not make including those made by card, access code or other means, TELL US AT ONCE. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money lost after the 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 long trip or a hospital stay) kept you from telling us, we will extend the time periods. If you believe your card or access code has been lost or stolen or that someone has transferred or may transfer money from your accounts without your permission, call: 000.000.0000 or write to: MAGNIFI Financial Central Minnesota Credit Union 00 Xxxxx Xxxxxx Xxxxxx Xxxx Xxxxxxx, XX 00000-0000 Fax: 000.000.0000 You should also call the number or write to the address listed above if you believe a transfer has been made using the information from your check without your permission.

Liability for Unauthorized Transactions. You are responsible for all transactions you authorize using your EFT services under this Agreement. If you permit someone else to use an EFT service, your card or your access code, you are responsible for any transactions they authorize or conduct on any of your accounts. However, TELL US AT ONCE if you believe your card or access code has been lost or stolen, if you believe someone has used your card or access code or otherwise accessed your accounts without your permission, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your accounts (plus your maximum overdraft line-of-credit). If a transaction was made with your card or card number without your permission and was a Visa transaction, you will have no liability for the transaction unless you were fraudulent or grossly negligent in the handling of your account card or cardaccess code. The Credit Union will be liable for unauthorized withdrawals at ATMs if the unauthorized withdrawal was due to the loss or theft of your card or access code, and you notify us of the loss or theft of your card or access code within 60 days of receipt of the first statement showing the unauthorized withdrawal. In any case, your liability is limited to $50.00. Also, if your statement shows transfers with your card or card number that you did not make including those made by card, access code or other means, TELL US AT ONCE. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money lost after the 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 long trip or a hospital stay) kept you from telling us, we will extend the time periods. If you believe your card or access code has been lost or stolen or that someone has transferred or may transfer money from your accounts without your permission, call: 000.000.0000 (000) 000-0000 (800) 785-AHCU (2428) or write to: MAGNIFI Financial Anoka Hennepin Credit Union 00 Xxxxx Xxxxxx Xxxxxx 0000 Xxxxxxxxx Xxxx XxxxxxxXxxxxxxxx Xxxx Xxxxxx, XX 00000-0000 00000 Fax: 000.000.0000 You should also call the number or write to the address listed above if you believe a transfer has been made using the information from your check without your permission.(000) 000-0000

Liability for Unauthorized Transactions. You are responsible for all transactions you authorize using your EFT services under this Agreement. If you permit someone else to use an EFT service, your card or your access code, you are responsible for any transactions they authorize or conduct on any of your accounts. However, TELL US AT ONCE if you believe your card or access code has been lost or stolen, if you believe someone has used your card or access code or otherwise accessed your accounts without your permission, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your accounts (plus your maximum overdraft line-of-credit). If a transaction was made with your card or card number without your permission and was a Visa transaction, you will have no liability for the transaction unless you were fraudulent or negligent in the handling of your account or card. The Credit Union will be liable for unauthorized withdrawals if the unauthorized withdrawal was due to the loss or theft of your card or access code, and you notify us of the loss or theft of your card or access code within 60 days of receipt of the first statement showing the unauthorized withdrawal. In any case, your liability is limited to $50.00. Also, if your statement shows transfers with your card or card number that you did not make including those made by card, access code or other means, TELL US AT ONCE. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money lost after the 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 long trip or a hospital stay) kept you from telling us, we will extend the time periods. If you believe your card or access code has been lost or stolen or that someone has transferred or may transfer money from your accounts without your permission, call: 000.000.0000 (000) 000-0000 or write to: MAGNIFI Financial Fulda Area Credit Union 00 Xxxxx Xxxxxx Xxxxxx 000 X Xx Xxxx XxxxxxxXxx Fulda, XX 00000MN 56131 Fax: (000) 000-0000 Fax: 000.000.0000 You should also call the number or write to the address listed above if you believe a transfer has been made using the information from your check without your permission.

Liability for Unauthorized Transactions. You are responsible for all transactions you authorize using your EFT services under this Agreement. If you permit someone else to use an EFT service, your card or your access code, you are responsible for any transactions they authorize or conduct on any of your accounts. However, TELL US AT ONCE if you believe your card or access code has been lost or stolen, if you believe someone has used your card or access code or otherwise accessed your accounts without your permission, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your accounts (plus your maximum overdraft line-of-credit). If a transaction was made with your card or card number without your permission and was either a Visa or Interlink transaction, you will have no liability for the transaction unless you were fraudulent or grossly negligent in the handling of your account card or cardaccess code. The Credit Union will be liable for unauthorized withdrawals if at ATMs, unless the unauthorized withdrawal was due to the loss or theft of your card or access code, and in which case you will be liable for the withdrawal up to $50.00, provided you notify us of the loss or theft of your card or access code within 60 days of receipt of the first statement showing the unauthorized withdrawal. In any case, your liability is limited to $50.00. Also, if your statement shows transfers with your card or card number that you did not make including those made by card, access code or other means, TELL US AT ONCE. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money lost after the 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 long trip or a hospital stay) kept you from telling us, we will extend the time periods. If you believe your card or access code has been lost or stolen or that someone has transferred or may transfer money from your accounts without your permission, call: 000.000.0000 (000) 000-0000 (000) 000-0000 (000) 000-0000 (lost/stolen) or write to: MAGNIFI Financial Great River Federal Credit Union 00 Xxxxx 0000 Xxxx Xx. Xxxxxxx Xxxxxx Xxxxxx Xxxx XxxxxxxXx. Xxxxx, XX 0000000000 Fax: (000) 000-0000 Fax: 000.000.0000 You should also call the number or write to the address listed above if you believe a transfer has been made using the information from your check without your permission.

Liability for Unauthorized Transactions. You are responsible for all transactions you authorize using your EFT services under this Agreement. If you permit someone else to use an EFT service, your card or your access code, you are responsible for any transactions they authorize or conduct on any of your accounts. However, TELL US AT ONCE if you believe your card or access code has been lost or stolen, if you believe someone has used your card or access code or otherwise accessed your accounts without your permission, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your accounts (plus your maximum overdraft line-of-credit). If a transaction was made with your card or card number without your permission and was a Visa transaction, you will have no liability for the transaction unless you were fraudulent or negligent in the handling of your account or card. The Credit Union will be liable for unauthorized withdrawals if the unauthorized withdrawal was due to the loss or theft of your card or access code, and you notify us of the loss or theft of your card or access code within 60 days of receipt of the first statement showing the unauthorized withdrawal. In any case, your liability is limited to $50.00. Also, if your statement shows transfers with your card or card number that you did not make including those made by card, access code or other means, TELL US AT ONCE. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money lost after the 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 long trip or a hospital stay) kept you from telling us, we will extend the time periods. If you believe your card or access code has been lost or stolen or that someone has transferred or may transfer money from your accounts without your permission, call: 000.000.0000 800.229.2848 800.535.8440 After Hours or write to: MAGNIFI Financial United Educators Credit Union 00 00000 Xxxxxxxx Xxxxx Xxxxxx Xxxxxx Xxxx XxxxxxxApple Valley, XX 00000-0000 Fax: 000.000.0000 MN 55124 You should also call the number or write to the address listed above if you believe a transfer has been made using the information from your check without your permission.

Liability for Unauthorized Transactions. You are responsible for all transactions you authorize using your EFT services under this Agreement. If you permit someone else to use an EFT service, your card or your access code, you are responsible for any transactions they authorize or conduct on any of your accounts. However, TELL US AT ONCE if you believe your card or access code has been lost or stolen, if you believe someone has used your card or access code or otherwise accessed your accounts without your permission, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your accounts (plus your maximum overdraft line-of-credit). If a transaction was made with your card or card number without your permission and was a Visa transaction, you will have no liability for the transaction unless you were fraudulent or negligent in the handling of your account or card. The Credit Union will be liable for unauthorized withdrawals if the unauthorized withdrawal was due to the loss or theft of your card or access code, and you notify us of the loss or theft of your card or access code within 60 days of receipt of the first statement showing the unauthorized withdrawal. In any case, your liability is limited to $50.00. Also, if your statement shows transfers with your card or card number that you did not make including those made by card, access code or other means, TELL US AT ONCE. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money lost after the 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 long trip or a hospital stay) kept you from telling us, we will extend the time periods. If you believe your card or access code has been lost or stolen or that someone has transferred or may transfer money from your accounts without your permission, call: 000.000.0000 or write to: MAGNIFI SouthPoint Financial Credit Union 00 Xxxxx Xxxxxx 000 Xxxx Xxxxxx Xxxx XxxxxxxXxxxxx Xxx, XX 00000-0000 00000 Fax: 000.000.0000 You should also call the number or write to the address listed above if you believe a transfer has been made using the information from your check without your permission.

Liability for Unauthorized Transactions. You are responsible for all transactions you authorize using your EFT services under this Agreement. If you permit someone else to use an EFT service, your card or your access code, you are responsible for any transactions they authorize or conduct on any of your accounts. However, TELL US AT ONCE if you believe your card or access code has been lost or stolen, if you believe someone has used your card or access code or otherwise accessed your accounts without your permission, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your accounts (plus your maximum overdraft line-of-credit). If a transaction was made with your card or card number without your permission and was a Visa transaction, you will have no liability for the transaction unless you were fraudulent or negligent in the handling of your account or card. The Credit Union will be liable for unauthorized withdrawals if the unauthorized withdrawal was due to the loss or theft of your card or access code, and you notify us of the loss or theft of your card or access code within 60 days of receipt of the first statement showing the unauthorized withdrawal. In any case, your liability is limited to $50.00. Also, if your statement shows transfers with your card or card number that you did not make including those made by card, access code or other means, TELL US AT ONCE. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money lost after the 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 long trip or a hospital stay) kept you from telling us, we will extend the time periods. If you believe your card or access code has been lost or stolen or that someone has transferred or may transfer money from your accounts without your permission, call: 000.000.0000 888.34SPIRE or write to: MAGNIFI Financial SPIRE Credit Union 00 Xxxxx Xxxxxx Xxxxxx Xxxx XxxxxxxXX Xxx 000000 Xxxxxxxxx, XX 00000-0000 Fax: 000.000.0000 00000 You should also call the number or write to the address listed above if you believe a transfer has been made using the information from your check without your permission.

Liability for Unauthorized Transactions. You are responsible for all transactions you authorize using your EFT services under this Agreement. If you permit someone else to use an EFT service, your card or your access code, you are responsible for any transactions they authorize or conduct on any of your accounts. However, TELL US AT ONCE if you believe your card or access code has been lost or stolen, if you believe someone has used your card or access code or otherwise accessed your accounts without your permission, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your accounts (plus your maximum overdraft line-of-credit). If a transaction was made with your card or card number without your permission and was a Visa transaction, you will have no liability for the transaction unless you were fraudulent or negligent in the handling of your account or card. The Credit Union will be liable for unauthorized withdrawals if the unauthorized withdrawal was due to the loss or theft of your card or access code, and you notify us of the loss or theft of your card or access code within 60 days of receipt of the first statement showing the unauthorized withdrawal. In any case, your liability is limited to $50.00. Also, if your statement shows transfers with your card or card number that you did not make including those made by card, access code or other means, TELL US AT ONCE. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money lost after the 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 long trip or a hospital stay) kept you from telling us, we will extend the time periods. If you believe your card or access code has been lost or stolen or that someone has transferred or may transfer money from your accounts without your permission, call: 000.000.0000 (000) 000-0000 or write to: MAGNIFI Financial Central Minnesota Credit Union 00 Xxxxx Xxxxxx Xxxxxx Xxxx Xxxxxxx, XX 00000-0000 Fax: 000.000.0000 (000) 000-0000 You should also call the number or write to the address listed above if you believe a transfer has been made using the information from your check without your permission.

Liability for Unauthorized Transactions. You are responsible for all transactions you authorize using your EFT services under this Agreement. If you permit someone else to use an EFT service, your card or your access code, you are responsible for any transactions they authorize or conduct on any of your accounts. However, TELL US Telephone the Credit Union AT ONCE if you believe your card or access code Card has been lost or stolen, if you believe someone has used your card or access code PIN or otherwise accessed your accounts without your permissionauthority, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is Failure to inform the best way Credit Union immediately could result in the loss of keeping your possible losses down. You could lose all the money in your accounts (plus your maximum overdraft line-of-credit)Account. If a transaction was made with your card or card number without your permission and was a Visa transaction, you will have no liability for the transaction unless you were fraudulent or negligent in the handling of your account or card. The Credit Union will be liable for unauthorized withdrawals if the unauthorized withdrawal was due to the loss or theft of your card or access code, and you notify us of the loss your liability will be as follows: - If you notify us within two (2) business days, you can lose no more than $ 50.00 if someone use your card, PIN, password, and/or Online Banking ID without your permission. If you do NOT notify us within two (2) business days after you learn of the loss or theft of your card Card, PIN, password and/or Online Banking ID and we can prove that we could have stopped someone from using your PIN, password, and/or Online Banking ID without your permission if you had told us, you could lose as much as $500.00. The Credit Union will assess a $15.00 charge for deactivation of your lost or access code stolen card, regardless of when you report its loss or theft. Even if you notify us within 60 two (2) business days of receipt the loss or theft of your Card, PIN password and/or Online Banking ID and we can prove that you provided this information to someone or maintained this information in close proximity to the first statement showing the unauthorized withdrawal. In any casecompromised device, your claim will not be honored and you will bear full liability is limited to $50.00. for any loss incurred Also, if your monthly statement shows transfers with your card or card number that you did not make including those made by card, access code PIN, password or other means, TELL US AT ONCE. , If you do not tell NOT notify us within 60 sixty (60) days after the statement was mailed to you, you may not get back any money lost after the 60 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 long trip or a hospital stay) kept you from telling notifying us, we will may extend the time periods. If you believe your card or access code has been lost or stolen or that someone has transferred or may transfer money from your accounts without your permission, call: 000.000.0000 or write to: MAGNIFI Financial Credit Union 00 Xxxxx Xxxxxx Xxxxxx Xxxx Xxxxxxx, XX 00000-0000 Fax: 000.000.0000 You should also call the number or write to the address listed above if you believe a transfer has been made using the information from your check without your permission. How to Notify the Credit Union in the Event of an Unauthorized Transaction. If you believe the Card or PIN has been lost or stolen or that someone has transferred or may transfer money from your Account without your permission, call 0-000-000-0000, or fax (000) 000-0000 during business hours. After Hours Telephone#: 0-000-000-0000 for a lost or stolen card during the weekends or night time. Or write: Advanced Financial Federal Credit Union 000 Xxxxxxx Xxxxxx Xxx Xxxxxxxxxx, XX 00000 Provisional Payment. Credit given by us to you with respect to an automated clearing house credit entry is provisional until we receive final settlement for such entry through a Federal Reserve Bank. If we do not receive such final settlement, you are hereby notified and agree that we are entitled to a refund of the amount credited to you in connection with such entry, and the party making payment to you via such entry (i.e. the originator of the entry) shall not be deemed to have paid you in the amount of such entry.

Liability for Unauthorized Transactions. You are responsible will be lia- ble for all transactions you authorize using your EFT services under this Agreement. If you permit someone else to unauthorized use an EFT service, your card or your access code, you are responsible for any transactions they authorize or conduct on any of your accountsCard at an ATM to the extent allowed by applicable federal and state law. However, TELL US The following description of your liability for unauthorized use of your Card is required by federal law. Tell us AT ONCE if you believe your card or access code Card has been lost or stolen, if you believe someone has used your card or access code or otherwise accessed your accounts without your permission, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping keep- ing your possible losses down. You could lose all the money in your accounts (Designated Accounts, plus your maximum overdraft line-of-credit)Line of Credit protection. If a transaction was made with your card Card has been lost or card number without your permission and was a Visa transaction, you will have no liability for the transaction unless you were fraudulent or negligent in the handling of your account or card. The Credit Union will be liable for unauthorized withdrawals if the unauthorized withdrawal was due to the loss or theft of your card or access codestolen, and you notify tell us within 2 business days after you learn of the loss, you can lose no more than $50.00 if someone used your Card without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft of your card or access code within 60 days of receipt of the first statement showing the unauthorized withdrawal. In any caseCard, and we can prove we could have stopped someone from using your liability is limited to Card without your permission if you had told us, you could lose as much as $50.00500.00. Also, if your statement shows transfers with your card or card number that you did not make including those made by cardmake, access code or other means, TELL US AT ONCEtell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days 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 a hospital stay) kept you from telling us, we will extend the time periods. This is a statement of your liability under federal law. Your liability may be more limited in certain cases under applicable state law. If you believe that your card or access code Card has been lost or stolen stolen, or that someone has transferred or may transfer money from your accounts Designated Accounts without your permission, call: 000.000.0000 call (000) 000-0000 or (000) 000-0000, or write toXxxxxx-Xxxx Credit Union, Inc., P.O. Box 340134, Beavercreek, Ohio 45434-0134, Attention: MAGNIFI Financial Credit Union 00 Xxxxx Xxxxxx Xxxxxx Xxxx Xxxxxxx, XX 00000-0000 Fax: 000.000.0000 You should also call the number or write to the address listed above if you believe a transfer has been made using the information from your check without your permissionCards & ATM Dept.