Common use of Members Liability Clause in Contracts

Members Liability. You are responsible for all transfers you authorize using your EFT services under this Agreement. If you permit other per- sons to use an EFT service, Card or 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 Account, Card or PIN and accessed your accounts without your authority. Telephoning is the best way of keep- ing your possible losses down. For Check Card transactions see the Debit Card Agreement and Disclosure. For all other EFT transactions if you tell us within two (2) business days, you can lose no more than $50 if someone accessed your account 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 EFT service, and we can prove that we could have stopped someone from accessing your account without your permission if you had told us, you could lose as much as $500. Your liability for unauthorized line-of-credit transactions through an EFT service is $50.00. Also, if your statement shows EFT 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 be liable for the following amounts if we can prove that we could have stopped someone from making the transfers if you had told us in time: (i) for unauthorized Check Card purchase transac- tions—up to the limits set forth above and (ii) for all other unauthorized EFT transactions—up to the full amount of the loss. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time period. If you believe your card has been lost or stolen or that some- one has transferred money from your account without your permission, call: (000) 000-0000 or (000) 000-0000, come in to your nearest branch, or write us at Maps Credit Union, XX Xxx 00000, Xxxxx, XX 00000 To block lost or stolen credit or debit cards: • Call: 000-000-0000 or 0-000-000-0000

Members Liability. You are responsible for all transfers transactions you authorize using your EFT services under this Agreement. If you permit other per- sons someone else to use an EFT service, Card your card or PINyour access code, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell us at once TELL US AT ONCE if you believe anyone your card or access code has been lost or stolen, if you believe someone has used your Account, Card card or PIN and access code or otherwise accessed your accounts without your authority, 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 keep- ing keeping your possible losses down. For Check Card transactions see You could lose all the Debit Card Agreement money in your account (plus your maximum overdraft line-of-credit). If a transaction was made with your card or card number without your permission and Disclosurewas 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. For all other EFT transactions involving your card or access code, including if you tell us within two (2) business days, you can lose no more than $50 if someone accessed were negligent in the handling of your account without or card, your permissionliability for an unauthorized transaction is determined as follows. If you do not tell us within two (2) business days after you learn of the unauthorized use loss or theft of your account card or EFT serviceaccess code, you can lose no more than $50.00 if someone used your card or access code without your permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your card or access code and we can prove that we could have stopped someone from accessing using your account card or access code without your permission if you had told us, you could lose as much as $500. Your liability for unauthorized line-of-credit transactions through an EFT service is $50.00500.00. Also, if your statement shows EFT transfers that you did not makemake including those made by card, tell us at onceaccess code or other means, TELL US AT ONCE. If you do not tell us within sixty (60) 60 days after the statement was mailed to you, you may be liable for not get back any money lost after the following amounts 60 days if we can prove that we could have stopped someone from making the transfers if you had told us in time: (i) for unauthorized Check Card purchase transac- tions—up to the limits set forth above and (ii) for all other unauthorized EFT transactions—up to the full amount of the loss. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periodperiods. If you believe your card or access code has been lost or stolen or that some- one someone has transferred or may transfer money from your account accounts without your permission, callcall 000.000.0000 or write to: (000) 000Educational Systems Federal Credit Union PO Box 179 Greenbelt, MD 00000-0000 or (000) 000-0000, come in to your nearest branch, Fax: 000.000.0000 You should also call the number or write us at Maps Credit Union, XX Xxx 00000, Xxxxx, XX 00000 To block lost or stolen credit or debit cards: • Call: 000-000-0000 or 0-000-000-0000to the address listed above if you believe a transfer has been made using the information from your check without your permission.