Common use of Notice of Your Rights and Liabilities Clause in Contracts

Notice of Your Rights and Liabilities. Security of your transactions is important to us. If you lose or forget your Username or password, please call (785) 000- 0000 during normal business hours listed above. If at the time we are unable to take the call, please leave a message and we will return your call as soon as possible. We may accept as authentic any instructions given to us through the use of your Username and Password. You agree to keep your Username and password secret and to notify us immediately if your Username or Password is lost or stolen or if you believe someone else has discovered your Username or Password. You agree that if you give your Username or Password to someone else, you are authorizing them to act on your behalf, and we may accept any instructions they give us to make transfers or otherwise use the Services. Online Banking Services enables you to change your Password; we require that you do so regularly. We may be liable for certain security breaches to the extent required by applicable law and regulation. We do not assume any other liability or otherwise guarantee the security of information in transit to or from our facilities. Please note that we reserve the right to (1) monitor and/or record all communications and activity related to the Services; and (2) require verification of all requested transfers in the manner we deem appropriate before making the transfer (which may include written verification by you). You agree that our records will be final and conclusive as to all questions concerning whether or not your Username or Password was used in connection with a particular transaction. If any unauthorized use of your Username or Password occurs you agree to (1) cooperate with us and appropriate law enforcement authorities in identifying and prosecuting the perpetrator; and (2) provide reasonable assistance requested by us in recovering any unauthorized transfer of funds. Unauthorized Transfers Tell us AT ONCE if you believe your Username or Password has been lost or stolen. 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 (2) business days, you can lose no more than $50 if someone used your Username or Password without your permission. (If you believe your Username or Password has been lost or stolen, and you tell us within 2 business days after you learn of the loss or theft, you can lose no more that $50 if someone used your Username or Password without your permission). If you do NOT tell us within two (2) business days after you learn of the loss or theft of your Username or Password, and we can prove we could have stopped someone from using your Username or Password without your permission if you had told us, you could lose as much as $500. 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 60 days if we can prove that we could have prevented someone from taking the money if you had told us in time. If you believe your Username or Password has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call (000) 000-0000 during normal business hours listed above. WE CANNOT ACCEPT NOTIFICATION OF LOST OR STOLEN Username OR PASSWORDS OR UNAUTHORIZED TRANSFERS VIA E-MAIL. Error and Questions In case of errors or questions about your electronic transactions, telephone us at (000) 000-0000 8:00 a.m. to 5:00 p.m. Monday through Friday, or contact us at: The Citizens National Bank 000 X 0xx Xxxxxx, XX Xxx 000 Xxxxxxxxx XX 00000 as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transaction listed on the statement or receipt. We must hear from you no later than sixty (60) days after we sent you the FIRST statement on which the problem or error appeared. You will need to:

Notice of Your Rights and Liabilities. o The following additional terms apply whenever you use the Digital Banking Service to make transfers: to or from a consumer deposit account via the Digital Banking Service. A consumer account is one that is used primarily for personal, family or household purposes; all other accounts are business accounts. o Security of your transactions is important to us. Use of the Service will therefore require a password and a Secure Access Code unless or until you register your device. Even after you register your device you may still be required to enter a secure access code. If you lose or forget your Username or password, please click the Forgot Your Password? link after you enter your Login ID. A temporary password will be forwarded to you through the delivery method you choose. If you do not receive the email, check your spam folder first, then please call (785) 000- 000-000-0000 during normal business hours listed above. If at the time we are unable to take the call, please leave a message and we will return your call as soon as possibleour Hours of Operation. We may accept as authentic any instructions given to us through the use of your Username and Passwordpassword. You agree to keep your Username and password secret and to notify us immediately if your Username or Password password is lost or stolen or if you believe someone else has discovered your Username or Passwordpassword. You agree that if you give your Username or Password password to someone else, you are authorizing them to act on your behalf, and we may accept any instructions they give us to make transfers transfers, payments, or otherwise use the Services. Online Digital Banking Services Service enables you to change your Passwordpassword; we require that recommend you do so regularly. We may be liable for certain security breaches to the extent required by applicable law and regulation. We do not assume any other liability or otherwise guarantee the security of information in transit to or from our facilities. Please note that we reserve the right to (1) monitor and/or record all communications and activity related to the Services; and (2) require verification of all requested transfers in the manner we deem appropriate before making the transfer (which may include written verification by you). You agree that our records will be final and conclusive as to all questions concerning whether or not your Username or Password password was used in connection with a particular transaction. If any unauthorized use of your Username or Password occurs password occurs, you agree to (1) cooperate with us and appropriate law enforcement authorities in identifying and prosecuting the perpetrator; and (2) provide reasonable assistance requested by us in recovering any unauthorized transfer of funds. Unauthorized Transfers o If you believe that your PASSWORD has been lost or stolen or that someone has made payments, transferred or may transfer money from your account without your permission, NOTIFY US AT ONCE AT (000)000-0000 or (000)000-0000 DURING NORMAL BUSINESS HOURS or EXTENDED Call Center Hours. o Tell us AT ONCE if you believe your Username or Password password has been lost or stolen. 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 (2) business days, you can lose no more than $50 if someone used your Username or Password without your permission. (If you believe your Username or Password has been lost or stolen, and you tell us within 2 business days after you learn of the loss or theft, you can lose no more that $50 if someone used your Username or Password without your permission)50. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your Username or Passwordpassword, and we can prove we could have stopped someone from using your Username or Password password without your permission if you had told us, you could lose as much as $500. 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 60 days if we can prove that we could have prevented someone from taking the money if you had told us in time. If you believe your Username or Password password has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call (000) -000-0000 during normal business hours listed above. WE CANNOT ACCEPT NOTIFICATION OF LOST OR STOLEN Username OR PASSWORDS OR UNAUTHORIZED TRANSFERS VIA E-MAIL. Error and Questions o ERRORS AND QUESTIONS FOR CONSUMER ACCOUNTS ONLY - In case of errors or questions about your electronic transactions, telephone us at (000) 000-0000 8:00 a.m. to 5:00 p.m. Monday through Friday, or contact us at: The Citizens National Bank 000 X 0xx Xxxxxx, XX Xxx 000 Xxxxxxxxx XX 00000 as soon as you can, if you think your statement or receipt is wrong wrong, or if you need more information about a transaction listed on the statement or receipt.  Telephone us as soon as you can at:  (000)000-0000 or toll free at (000)000-0000 0:30am - 5:00 pm (CST), Monday through Friday,  Or write us at:  Gulf Coast Bank & Trust Company  Attention: Electronic Banking Department  0000 X. Xxxxxxx Xx. Xxxxx 000 Xxxxxxxx, XX 00000  We must hear from you no later than sixty (60) days after we sent you the FIRST statement on which the problem or error appeared.  You will need to::  Tell us your name and Account number  Describe the error or the transaction you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information  Tell us the dollar amount of the suspected error. If you tell us verbally, we may require you to send us your complaint or question in writing within ten (10) business days following the date you notified us. We will determine whether an error occurred within ten (10) business days ((twenty (20) business days if the notice of error involves an electronic fund transfer to or from the account within thirty (30) days after the first deposit to the account was made)) for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not credit your account. If we determine there was no error, we will reverse the previously credited amount, if any, and we will send you a written explanation within three (3) business days after we finish our investigation. You may ask for copies of the documents we used in our investigation.

Notice of Your Rights and Liabilities. The following additional terms apply whenever you use the Online Banking Service to make transfers: to or from a consumer deposit account via the Online Banking Service. A consumer account is one that is used primarily for personal, family or household purposes; all other accounts are business accounts. If you perform transactions from business accounts while utilizing the Online Banking Service, please refer to the paragraphs beginning with “ADDITIONAL TERMS APPLICABLE ONLY TO TRANSFER SERVICES FOR BUSINESS ACCOUNTS” for additional terms applicable to business transactions. If you perform transactions from a home equity line of credit or personal line of credit account, please see your home equity line of credit or personal line of credit documents for information about your liability for unauthorized charges. Transfers from other types of lines of credit are not allowed via Online Banking. Please contact your Account Officer for available transfer options. FOR CONSUMER AND BUSINESS ACCOUNTS: Security of your transactions is important to us. Use of the Service will therefore require a password. If you lose or forget your Username or password, please click the "Forgot Your Password?" link after you enter your Access ID and verify your computer's authenticity. Your password or one time passcode will be forwarded to your email address of record. If you do not receive the email, check your spam folder first, then please call (785000) 000- 000-0000 during normal business hours listed above. If at the time we are unable to take the call, please leave a message and we will return your call as soon as possibleour Hours of Operation. We may accept as authentic any instructions given to us through the use of your Username and Passwordpassword. You agree to keep your Username and password secret and to notify us immediately if your Username or Password password is lost or stolen or if you believe someone else has discovered your Username or Passwordpassword. You agree that if you give your Username or Password password to someone else, you are authorizing them to act on your behalf, and we may accept any instructions they give us to make transfers transfers, payments, or otherwise use the Services. Online Banking Services Service enables you to change your Passwordpassword; we require that you do so regularly. We may be liable for certain security breaches to the extent required by applicable law and regulation. We do not assume any other liability or otherwise guarantee the security of information in transit to or from our facilities. Please note that we reserve the right to (1) monitor and/or record all communications and activity related to the Services; and (2) require verification of all requested transfers in the manner we deem appropriate before making the transfer (which may include written verification by you). You agree that our records will be final and conclusive as to all questions concerning whether or not your Username or Password password was used in connection with a particular transaction. If any unauthorized use of your Username or Password occurs password occurs, you agree to (1) cooperate with us and appropriate law enforcement authorities in identifying and prosecuting the perpetrator; and (2) provide reasonable assistance requested by us in recovering any unauthorized transfer of funds. Unauthorized Transfers Tell us AT ONCE if you believe your Username or Password has been lost or stolen. 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 (2) business days, you can lose no more than $50 if someone used your Username or Password without your permission. (If you believe your Username or Password has been lost or stolen, and you tell us within 2 business days after you learn of the loss or theft, you can lose no more that $50 if someone used your Username or Password without your permission). If you do NOT tell us within two (2) business days after you learn of the loss or theft of your Username or Password, and we can prove we could have stopped someone from using your Username or Password without your permission if you had told us, you could lose as much as $500. 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 60 days if we can prove that we could have prevented someone from taking the money if you had told us in time. If you believe your Username or Password has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call (000) 000-0000 during normal business hours listed above. WE CANNOT ACCEPT NOTIFICATION OF LOST OR STOLEN Username OR PASSWORDS OR UNAUTHORIZED TRANSFERS VIA E-MAIL. Error and Questions In case of errors or questions about your electronic transactions, telephone us at (000) 000-0000 8:00 a.m. to 5:00 p.m. Monday through Friday, or contact us at: The Citizens National Bank 000 X 0xx Xxxxxx, XX Xxx 000 Xxxxxxxxx XX 00000 as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transaction listed on the statement or receipt. We must hear from you no later than sixty (60) days after we sent you the FIRST statement on which the problem or error appeared. You will need to:

Notice of Your Rights and Liabilities. Security of your transactions is important to us. Use of BankTime Anytime therefore requires a user code and password. If you lose or forget your Username user code or password, please call Customer Service at (785000) 000- 000-0000 during the normal business hours listed above. If at the time we are unable to take the call, please leave a message and we will return your call as soon as possible. We may accept as authentic any instructions given to us through the use of your Username and Passworduser code or password. You agree to keep your Username user code and password secret and to notify us immediately if your Username user code or Password password is lost or stolen or if you believe someone else has discovered your Username user code or Passwordpassword. You agree that if you give your Username or Password password to someone else, you are authorizing them to act on your behalf, and we may accept any instructions they give us to make transfers or otherwise use BankTime Anytime. Do not discuss, compare, or share information about your account number(s) with anyone unless you are willing to give him or her full use of your money. If you furnish your password and grant actual authority to make transfers to another person (a family member or coworker, for example) who then exceeds that authority, you are liable for the Servicestransfers unless we have been notified that transfers by that person are no longer authorized. Online Banking Services BankTime Anytime enables you to change your Passwordpassword; we require that urge you to do so regularly. We may be liable for certain security breaches to the extent required by applicable law and regulation. We do not assume any other liability or otherwise guarantee the security of information in transit to or from our facilities. Please note that we reserve the right to but are not obligated to (1) monitor and/or record all communications and activity related to the ServicesBankTime Anytime; and (2) require verification of all requested transfers in the manner we deem appropriate before making the transfer (which may include written verification by you). You agree that our records will be final and conclusive as to all questions concerning whether or not your Username user code or Password password was used in connection with a particular transaction. If any unauthorized use of your Username user code or Password password occurs you agree to (1) cooperate with us and appropriate law enforcement authorities in identifying and prosecuting the perpetrator; and (2) provide reasonable assistance requested by us in recovering any unauthorized transfer of funds. Unauthorized Transfers WE CANNOT ACCEPT NOTIFICATION OF LOST OR STOLEN USER CODES OR PASSWORDS OR UNAUTHORIZED TRANSFERS VIA E-MAIL. Tell us AT ONCE if you believe your Username user code or Password password has been lost or stolen. 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 creditoverdraft). If you tell us within two (2) 2 business days, you can lose no more than $50 if someone used your Username or Password without your permission50. (If you believe your Username or Password has been lost or stolen, and you do NOT tell us within 2 business days after you learn of the loss or theft, you can lose no more that $50 if someone used your Username or Password without your permission). If you do NOT tell us within two (2) business days after you learn of the loss or theft of your Username user code or Passwordpassword, and we can prove that we could have stopped someone from using your Username user code or Password password without your permission permission, if you had told us, you could lose as much as $500. Also, if your statement shows transfers that you did not make, tell us at once. If you do not tell us within sixty (60) 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 prevented stopped someone from taking the money if you had told us in time. If you believe your Username user code or Password password has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call (000) 000-0000 during normal business hours listed above. WE CANNOT ACCEPT NOTIFICATION OF LOST OR STOLEN Username OR PASSWORDS OR UNAUTHORIZED TRANSFERS VIA E-MAIL. Error and Questions In case of errors or questions about your electronic transactions, telephone us at (000) 000-0000 8:00 a.m. to 5:00 p.m. Monday through Friday, the telephone number or contact write us at: The Citizens National Bank 000 X 0xx Xxxxxx, XX Xxx 000 Xxxxxxxxx XX 00000 as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transaction at the address listed on the statement or receipt. We must hear from you no later than sixty (60) days after we sent you the FIRST statement on which the problem or error appeared. You will need to:below.

Notice of Your Rights and Liabilities. Security of your transactions is important to us. If you lose or forget your Username Access ID or password, please call (785) 000- 0000 during normal business hours listed above. If at the time we are unable to take the call, please leave a message and we will return your call as soon as possible. We may accept as authentic any instructions given to us through the use of your Username Access ID and Password. You agree to keep your Username Access ID and password secret and to notify us immediately if your Username Access ID or Password is lost or stolen or if you believe someone else has discovered your Username Access ID or Password. You agree that if you give your Username Access ID or Password to someone else, you are authorizing them to act on your behalf, and we may accept any instructions they give us to make transfers or otherwise use the Services. Online Banking Services enables you to change your Password; we require that you do so regularly. We may be liable for certain security breaches to the extent required by applicable law and regulation. We do not assume any other liability or otherwise guarantee the security of information in transit to or from our facilities. Please note that we reserve the right to (1) monitor and/or record all communications and activity related to the Services; and (2) require verification of all requested transfers in the manner we deem appropriate before making the transfer (which may include written verification by you). You agree that our records will be final and conclusive as to all questions concerning whether or not your Username Access ID or Password was used in connection with a particular transaction. If any unauthorized use of your Username Access ID or Password occurs you agree to (1) cooperate with us and appropriate law enforcement authorities in identifying and prosecuting the perpetrator; and (2) provide reasonable assistance requested by us in recovering any unauthorized transfer of funds. Unauthorized Transfers Tell us AT ONCE if you believe your Username Access ID or Password has been lost or stolen. 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 (2) business days, you can lose no more than $50 if someone used your Username Access ID or Password without your permission. (If you believe your Username Access ID or Password has been lost or stolen, and you tell us within 2 business days after you learn of the loss or theft, you can lose no more that $50 if someone used your Username Access ID or Password without your permission). If you do NOT tell us within two (2) business days after you learn of the loss or theft of your Username Access ID or Password, and we can prove we could have stopped someone from using your Username Access ID or Password without your permission if you had told us, you could lose as much as $500. 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 60 days if we can prove that we could have prevented someone from f rom taking the money if you had told us in time. If you believe your Username Access ID or Password has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call (000) 000-0000 during normal business hours listed above. WE CANNOT ACCEPT NOTIFICATION OF LOST OR STOLEN Username ACCESS ID OR PASSWORDS OR UNAUTHORIZED TRANSFERS VIA E-MAIL. Error and Questions In case of errors or questions about your electronic transactions, telephone us at (000) 000-0000 8:00 a.m. to 5:00 p.m. Monday through Friday, or contact us at: The Citizens National Bank 000 X 0xx Xxxxxx, XX Xxx 000 Xxxxxxxxx XX 00000 as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transaction listed on the statement or receipt. We must hear from you no later than sixty (60) days after we sent you the FIRST statement on which the problem or error appeared. You will need to:

Notice of Your Rights and Liabilities. Security of your transactions is extremely important to us. Use of Online Banking therefore requires an access ID and password. If you lose or forget your Username access ID or password, please call (785) 000- Customer Service at 000-000-0000 during normal business hours listed abovehours. If at the time we are unable to take the call, please leave a message and we We will return promptly reset your call as soon as possiblepassword after verifying your identity. We may accept as authentic any instructions given to us through the use of your Username access ID and Passwordpassword. You agree to keep your Username access ID and password secret secret, and to notify us immediately if your Username access ID or Password password is lost or stolen stolen, or if you believe someone else has discovered your Username access ID or Passwordpassword. You agree that if you give your Username or Password password to someone else, you are authorizing them to act on your behalf, and we may accept any instructions they give us to make transfers or otherwise use Online Banking. Do not discuss, compare, or share information about your account number(s), access ID, or password, with anyone unless you are willing to give him or her full use of your money. If you furnish your password and grant actual authority to make transfers to another person (a family member or coworker, for example) who then exceeds that authority, you are liable for the Servicestransfers unless we have been notified that transfers by that person are on longer authorized and we have sufficient time to act on your instructions. Online Banking Services enables you to change your Passwordpassword; we require that you do so regularly. We may be liable for certain security breaches to the extent required by applicable law and regulation. We do not assume any other liability or otherwise guarantee the security of information in transit to or from our facilities. Please note that we reserve the right to but are not obligated to (1) monitor and/or record all communications and activity related to the Services; Online Banking and (2) require verification of all requested transfers in the manner we deem appropriate before making the transfer (which may include written verification by you). You agree that our records will be final and conclusive as to all questions concerning whether or not your Username access ID or Password password was used in connection with a particular transaction. If any unauthorized use of your Username access ID or Password password occurs you agree to (1) cooperate with us and appropriate law enforcement authorities in identifying and prosecuting the perpetrator; perpetrator and (2) provide reasonable assistance requested by us in recovering any unauthorized transfer of funds. Unauthorized Transfers WE CANNOT ACCEPT NOTIFICATION OF LOST OR STOLEN ACCESS ID’s OR PASSWORDS OR UNAUTHORIZED TRANSFERS VIA E-MAIL. Tell us AT ONCE if you believe your Username access ID or Password password has been lost lost, stolen, or stolencompromised in any way. 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 (2) 2 business days, you can lose no more than $50 if someone used your Username or Password without your permission50. (If you believe your Username or Password has been lost or stolen, and you do NOT tell us within 2 business days after you learn of the loss or theft, you can lose no more that $50 if someone used your Username or Password without your permission). If you do NOT tell us within two (2) business days after you learn of the loss or theft of your Username access ID or Passwordpassword, and we can prove that we could have stopped someone from using your Username access ID or Password password without your permission permission, if you had told us, you could lose as much as $500. 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 60 days if we can prove that we could have prevented someone from taking the money if you had told us in time. If you believe your Username or Password has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call (000) 000-0000 during normal business hours listed above. WE CANNOT ACCEPT NOTIFICATION OF LOST OR STOLEN Username OR PASSWORDS OR UNAUTHORIZED TRANSFERS VIA E-MAIL. Error and Questions In case of errors or questions about your electronic transactions, telephone us at (000) 000-0000 8:00 a.m. to 5:00 p.m. Monday through Friday, or contact us at: The Citizens National Bank 000 X 0xx Xxxxxx, XX Xxx 000 Xxxxxxxxx XX 00000 as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transaction listed on the statement or receiptAT ONCE. We must hear from you no later than sixty (60) 60 days after we sent you the FIRST statement on which the problem or error appeared. You will need to:.

Notice of Your Rights and Liabilities. The following additional terms apply whenever you use the Online Banking Service to make transfers: to or from a consumer deposit account via the Online Banking Service. A consumer account is one that is used primarily for personal, family or household purposes; all other accounts are business accounts. If you perform transactions from business accounts while utilizing the Online Banking Service, please refer to the paragraphs beginning with “ADDITIONAL TERMS APPLICABLE ONLY TO TRANSFER SERVICES FOR BUSINESS ACCOUNTS” for additional terms applicable to business transactions. If you perform transactions from a home equity line of credit or personal line of credit account, please see your home equity line of credit or personal line of credit documents for information about your liability for unauthorized charges. Transfers from other types of lines of credit are not allowed via Online Banking. Please contact your Account Officer for available transfer options. FOR CONSUMER AND BUSINESS ACCOUNTS: Security of your transactions is important to us. Use of the Service will therefore require a password. If you lose or forget your Username or password, please click the "Forgot Your Password?" link after you enter your Access ID and verify your computer's authenticity. Your password or one time passcode will be forwarded to your email address of record. If you do not receive the email, check your spam folder first, then please call (785504) 000- 0000 565‐4640 during normal business hours listed above. If at the time we are unable to take the call, please leave a message and we will return your call as soon as possibleour Hours of Operation. We may accept as authentic any instructions given to us through the use of your Username and Passwordpassword. You agree to keep your Username and password secret and to notify us immediately if your Username or Password password is lost or stolen or if you believe someone else has discovered your Username or Passwordpassword. You agree that if you give your Username or Password password to someone else, you are authorizing them to act on your behalf, and we may accept any instructions they give us to make transfers transfers, payments, or otherwise use the Services. Online Banking Services Service enables you to change your Passwordpassword; we require that you do so regularly. We may be liable for certain security breaches to the extent required by applicable law and regulation. We do not assume any other liability or otherwise guarantee the security of information in transit to or from our facilities. Please note that we reserve the right to (1) monitor and/or record all communications and activity related to the Services; and (2) require verification of all requested transfers in the manner we deem appropriate before making the transfer (which may include written verification by you). You agree that our records will be final and conclusive as to all questions concerning whether or not your Username or Password password was used in connection with a particular transaction. If any unauthorized use of your Username or Password occurs password occurs, you agree to (1) cooperate with us and appropriate law enforcement authorities in identifying and prosecuting the perpetrator; and (2) provide reasonable assistance requested by us in recovering any unauthorized transfer of funds. Unauthorized Transfers Tell us AT ONCE if you believe your Username or Password has been lost or stolen. 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 (2) business days, you can lose no more than $50 if someone used your Username or Password without your permission. (If you believe your Username or Password has been lost or stolen, and you tell us within 2 business days after you learn of the loss or theft, you can lose no more that $50 if someone used your Username or Password without your permission). If you do NOT tell us within two (2) business days after you learn of the loss or theft of your Username or Password, and we can prove we could have stopped someone from using your Username or Password without your permission if you had told us, you could lose as much as $500. 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 60 days if we can prove that we could have prevented someone from taking the money if you had told us in time. If you believe your Username or Password has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call (000) 000-0000 during normal business hours listed above. WE CANNOT ACCEPT NOTIFICATION OF LOST OR STOLEN Username OR PASSWORDS OR UNAUTHORIZED TRANSFERS VIA E-MAIL. Error and Questions In case of errors or questions about your electronic transactions, telephone us at (000) 000-0000 8:00 a.m. to 5:00 p.m. Monday through Friday, or contact us at: The Citizens National Bank 000 X 0xx Xxxxxx, XX Xxx 000 Xxxxxxxxx XX 00000 as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transaction listed on the statement or receipt. We must hear from you no later than sixty (60) days after we sent you the FIRST statement on which the problem or error appeared. You will need to: