Common use of LIABILITY FOR UNAUTHORIZED TRANSFERS OR WITHDRAWALS Clause in Contracts

LIABILITY FOR UNAUTHORIZED TRANSFERS OR WITHDRAWALS. Tell us AT ONCE if you believe your Card has been lost or stolen, or has been used without your permission, or if you believe knowledge of your Personal Identification Number (“PIN”) has been acquired by an unauthorized person. Telephoning is the best way of keeping your possible losses down. If your Card has been lost or stolen or knowledge of your PIN is acquired by an unauthorized person, or if someone used your Card without your permission - and you tell us within two business days thereafter, you can lose no more than $50. If you do not tell us of such occurrence within two business days after the happening of such occurrence, and we can prove we could have prevented the unauthorized use of such Card had you told us of such loss, theft, or other event, you can lose as much as $500. For transactions through the VISA network, if you are not grossly negligent in handling your Account, you will lose nothing for unauthorized use of your Card. Also, if your statement shows Transfers that you did not make, tell us at once. If you do not tell us within 60 days after the statement was mailed or electronically sent to you, you may not get back any money you lost after the 60 days if we can establish that the loss would not have occurred but for your failure to notify us within the 60-day period. If you are delayed in notifying us because of extenuating circumstances, such as extended travel or hospitalization, any time period stated shall be extended to a reasonable time.

LIABILITY FOR UNAUTHORIZED TRANSFERS OR WITHDRAWALS. Tell us AT ONCE if you believe your Card has been lost or stolen, or has been used without your permission, or if you believe knowledge of your Personal Identification Number (“PIN”) has been acquired by an unauthorized person. Telephoning is the best way of keeping your possible losses down. If your Card has been lost or stolen or knowledge of your PIN is acquired by an unauthorized person, or if someone used your Card without your permission - – and you tell us within two business days thereafter, you can lose no more than $50. If you do not tell us of such occurrence within two business days after the happening of such occurrence, and we can prove we could have prevented the unauthorized use of such Card had you told us of such loss, theft, or other event, you can lose as much as $500. For transactions through the VISA network, if you are not grossly negligent in handling your Accountaccount, you will lose nothing for unauthorized use of your Card. Also, if your statement shows Transfers that you did not make, tell us at once. If you do not tell us within 60 days after the statement was mailed or electronically sent to you, you may not get back any money you lost after the 60 days if we can establish that the loss would not have occurred but for your failure to notify us within the 60-day period. If you are delayed in notifying us because of extenuating circumstances, such as extended travel or hospitalization, any time period stated shall be extended to a reasonable time.