Common use of Lost or Stolen Cards; Unauthorized Use Clause in Contracts

Lost or Stolen Cards; Unauthorized Use. NOTIFY US IMMEDIATELY if you believe your card is lost or stolen, or if you believe an unauthorized use of your card or personal identification number has occurred or may occur. FOR LOST OR STOLEN CARDS, CALL IMMEDIATELY: 0-000-000-0000. (a) Liability disclosure. Tell us AT ONCE if you believe your VISA Debit Card or PIN has been lost or stolen. You must notify us immediately of any unauthorized use. (b) Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within two business days, you can lose no more than $50 if someone used your VISA Debit Card or PIN without your permission. If you believe your VISA (c) Debit Card or PIN has been lost or stolen, and you tell us within two business days after you learn of the loss or theft, you can lose no more than $50 if someone used your VISA Debit Card or PIN without your permission. If you do NOT tell us within two business days after you learn of the loss or theft of your VISA Debit Card or PIN, and we can prove we could have stopped someone from using your VISA Debit Card or PIN without your permission, if you had told us, you could lose as much as $500. (d) Also, if your statement shows 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 you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as long trip or a hospital stay) kept you from telling us, we will extend the time periods.