Common use of PROCEDURES FOR ADDRESSING UNAUTHORIZED TRANSACTIONS AND OTHER TRANSACTION PROBLEMS Clause in Contracts

PROCEDURES FOR ADDRESSING UNAUTHORIZED TRANSACTIONS AND OTHER TRANSACTION PROBLEMS. In the event of a problem with a Transaction or an unauthorized Transaction, you will report the issue immediately to us. We will investigate and respond to the issue on a timely basis. We will not unreasonably restrict you from the use of the Account subject to dispute, as long as we are satisfied that you did not cause or contribute to the problem or unauthorized Transaction, have fully cooperated with the investigation, and have complied with this Agreement and the Account Agreement. We will respond to reports of a problem or unauthorized Transaction in a timely manner and will, within a reasonable period of time, thereafter, indicate what reimbursement, if any, will be made for any loss incurred by you. Reimbursement may, but will not necessarily, be made for losses from a problem or unauthorized Transaction in this time frame provided that you have complied with this Agreement and on the balance of probabilities it is shown that you took all reasonable and required steps to: (a) protect the confidentiality of your Password and such other form of Proof of Identity as required by this Agreement and the Account Agreement; (b) use security safeguards to protect against and detect loss, theft, and unauthorized access as required by this Agreement and the Account Agreement; and (c) act immediately, upon receiving a Notification of, or becoming aware of, an unauthorized Transaction, to mitigate against further loss and report the issue to us.

PROCEDURES FOR ADDRESSING UNAUTHORIZED TRANSACTIONS AND OTHER TRANSACTION PROBLEMS. In the event of a problem with a Transaction or an unauthorized Transaction, you the Depositor will report the issue immediately to usthe Financial Institution. We The Financial Institution will investigate and respond to the issue on a timely basis. We The Financial Institution will not unreasonably restrict you the Depositor from the use of the Account subject to dispute, as long as we are satisfied it is reasonably evident that you the Depositor or the Authorized User(s) did not cause or contribute to the problem or unauthorized Transaction, have has fully cooperated with the investigation, and have has complied with this Agreement and the Account Agreement. We The Financial Institution will respond to reports of a problem or unauthorized Transaction in a timely manner within 10 business days and will, within a reasonable period of time, time thereafter, indicate what reimbursement, if any, will be made for any loss incurred by youthe Depositor. Reimbursement may, but will not necessarily, be made for losses from a problem or unauthorized Transaction in this time frame provided that you have the Depositor has complied with this Agreement and on the balance of probabilities it is shown that you the Depositor or the Authorized User(s) took all reasonable and required steps to: (a) protect the confidentiality of your Password and such other form of Proof of Identity the PAC, PIN, and/or PIW as required by this Agreement and the Account Agreement; (b) use security safeguards to protect against and detect loss, theft, and unauthorized access as required by this Agreement and the Account Agreement; and (c) act immediately, upon receiving a Notification of, or becoming aware of, an unauthorized Transaction, to mitigate against further loss and report the issue to usthe Financial Institution.

PROCEDURES FOR ADDRESSING UNAUTHORIZED TRANSACTIONS AND OTHER TRANSACTION PROBLEMS. In the event of a problem with a Transaction or an unauthorized Transaction, you the Depositor will report the issue immediately to usthe Financial Institution. We The Financial Institution will investigate and respond to the issue on a timely basis. We The Financial Institution will not unreasonably restrict you the Depositor from the use of the Account subject to dispute, as long as we are satisfied it is reasonably evident that you the Depositor did not cause or contribute to the problem or unauthorized Transaction, have has fully cooperated with the investigation, and have has complied with this Agreement and the Account Agreement. We The Financial Institution will respond to reports of a problem or unauthorized Transaction in a timely manner within 10 business days and will, within a reasonable period of time, time thereafter, indicate what reimbursement, if any, will be made for any loss incurred by youthe Depositor. Reimbursement may, but will not necessarily, be made for losses from a problem or unauthorized Transaction in this time frame provided that you have the Depositor has complied with this Agreement and on the balance of probabilities it is shown that you the Depositor took all reasonable and required steps to: (a) protect the confidentiality of your Password and such other form of Proof of Identity the PAC, PIN, and/or PIW as required by this Agreement and the Account Agreement; (b) use security safeguards to protect against and detect loss, theft, and unauthorized access as required by this Agreement and the Account Agreement; and (c) act immediately, upon receiving a Notification of, or becoming aware of, an unauthorized Transaction, to mitigate against further loss and report the issue to usthe Financial Institution.

PROCEDURES FOR ADDRESSING UNAUTHORIZED TRANSACTIONS AND OTHER TRANSACTION PROBLEMS. In the event of a problem with a Transaction or an unauthorized Transaction, you will report the issue immediately to us. We will investigate and respond to the issue on a timely basis. We will not unreasonably restrict you from the use of the Account subject to dispute, as long as we are satisfied that you did not cause or contribute to the problem or unauthorized Transaction, have fully cooperated with the investigation, and have complied with this Agreement and the Account Agreement. We will respond to reports of a problem or unauthorized Transaction in a timely manner and will, within a reasonable period of time, thereafter, indicate what reimbursement, if any, will be made for any loss incurred by you. Reimbursement may, but will not necessarily, be made for losses from a problem or unauthorized Transaction in this time frame provided that you have complied with this Agreement and on the balance of probabilities it is shown that you took all reasonable and required steps to: (a) protect the confidentiality of your Password and such other form of Proof of Identity as required by this Agreement and the Account Agreement;Agreement;‌ (b) use security safeguards to protect against and detect loss, theft, and unauthorized access as required by this Agreement and the Account Agreement; and (c) act immediately, upon receiving a Notification of, or becoming aware of, an unauthorized Transaction, to mitigate against further loss and report the issue to us.

PROCEDURES FOR ADDRESSING UNAUTHORIZED TRANSACTIONS AND OTHER TRANSACTION PROBLEMS. In the event of a problem with a Transaction or an unauthorized Transaction, you the Depositor will report the issue immediately promptly to usthe Financial Institution. We The Financial Institution will investigate and respond to the issue on a timely basis. We The Financial Institution will not unreasonably restrict you the Depositor from the use of the Account any funds subject to dispute, as long as we are satisfied it is reasonably evident that you the Depositor or the Authorized User(s) did not cause or contribute to the problem or unauthorized Transaction, have has fully cooperated with the investigation, and have has complied with this Agreement and the Account Agreement. We The Financial Institution will respond to reports of a problem or unauthorized Transaction in a timely manner within 10 business days and will, within a reasonable period of time, time thereafter, indicate what reimbursement, if any, will be made for any loss incurred by youthe Depositor. Reimbursement may, but will not necessarily, be made for losses from a problem or unauthorized Transaction in this time frame provided that you have the Depositor has complied with this Agreement and on the balance of probabilities it is shown that you the Depositor or the Authorized User(s) took all reasonable and required steps to: (a) protect the confidentiality of your Password and such other form of Proof of Identity the PAC, PIN, and/or PIW as required by this Agreement and the Account Agreement;, and (b) use security safeguards to protect against and detect loss, theft, and unauthorized access as required by this Agreement and the Account Agreement; and (c) act immediately, upon receiving a Notification of, or becoming aware of, an unauthorized Transaction, to mitigate against further loss and report the issue to us.

PROCEDURES FOR ADDRESSING UNAUTHORIZED TRANSACTIONS AND OTHER TRANSACTION PROBLEMS. In the event of a problem with a Transaction or an unauthorized Transaction, you will report the issue immediately to us. We will investigate and respond to the issue on a timely basis. We will not unreasonably restrict you from the use of the Account subject to dispute, as long as we are satisfied that you did not cause or contribute to the problem or unauthorized Transaction, have fully cooperated with the investigation, and have complied with this Agreement and the Account Agreement. We will respond to reports of a problem or unauthorized Transaction in a timely manner and will, within a reasonable period of time, thereafter, indicate what reimbursement, if any, will be made for any loss incurred by you. Reimbursement may, but will not necessarily, be made for losses from a problem or unauthorized Transaction in this time frame provided that you have complied with this Agreement and on the balance of probabilities it is shown that you took all reasonable and required steps to:to:‌ (a) protect the confidentiality of your Password and such other form of Proof of Identity as required by this Agreement and the Account Agreement; (b) use security safeguards to protect against and detect loss, theft, and unauthorized access as required by this Agreement and the Account Agreement; and (c) act immediately, upon receiving a Notification of, or becoming aware of, an unauthorized Transaction, to mitigate against further loss and report the issue to us.

PROCEDURES FOR ADDRESSING UNAUTHORIZED TRANSACTIONS AND OTHER TRANSACTION PROBLEMS. In the event of a problem with a Transaction or an unauthorized Transaction, you will report the issue immediately to us. We will investigate and respond to the issue on a timely basis. We will not unreasonably restrict you from the use of the Account subject to dispute, as long as we are satisfied that you did not cause or contribute to the problem or unauthorized Transaction, have fully cooperated with the investigation, and have complied with this Agreement and the Account Agreement. We will respond to reports of a problem or unauthorized Transaction in a timely manner and will, within a reasonable period of time, thereafter, indicate what reimbursement, if any, will be made for any loss incurred by you. Reimbursement may, but will not necessarily, be made for losses from a problem or unauthorized Transaction in in‌ this time frame provided that you have complied with this Agreement and on the balance of probabilities it is shown that you took all reasonable and required steps to: (a) protect the confidentiality of your Password and such other form of Proof of Identity as required by this Agreement and the Account Agreement;Agreement;‌ (b) use security safeguards to protect against and detect loss, theft, and unauthorized access as required by this Agreement and the Account Agreement; and (c) act immediately, upon receiving a Notification of, or becoming aware of, an unauthorized Transaction, to mitigate against further loss and report the issue to us.us.‌‌

PROCEDURES FOR ADDRESSING UNAUTHORIZED TRANSACTIONS AND OTHER TRANSACTION PROBLEMS. In the event of a problem with a Direct Services Transaction or an unauthorized Direct Services Transaction, you will report the issue immediately to us. We will investigate and respond to the issue on a timely basis. We will not unreasonably restrict you from the use of the Account subject to dispute, as long as we are satisfied that you did not cause or contribute to the problem or unauthorized Transaction, have has fully cooperated with the investigation, and have has complied with this Agreement and the Account Agreementany account agreement. We will respond to reports of a problem or unauthorized Transaction in a timely manner within 10 business days and will, within a reasonable period of time, time thereafter, indicate what reimbursement, if any, will be made for any loss incurred by you. Reimbursement may, but will not necessarily, be made for losses from a problem or unauthorized Transaction in this time frame provided that you have complied with this Agreement and on the balance of probabilities it is shown that you took all reasonable and required steps to: (a) a. protect the confidentiality of your Password and such other form of Proof of Identity as required by this Agreement and the Account Agreement; (b) b. use security safeguards to protect against and detect loss, theft, and unauthorized access as required by this Agreement and the Account Agreement; and (c) c. act immediately, upon receiving a Notification of, or becoming aware of, an unauthorized Transaction, to mitigate against further loss and report the issue to us.