Common use of Unauthorized Transactions Clause in Contracts

Unauthorized Transactions. To the extent a Service transaction is an “electronic fund transfer” under Federal Reserve Board Regulation E (“REG E”), you must tell us AT ONCE if you think: •An unauthorized person has discovered your Digital Banking passcode or other security credentials; •your statement or transaction record is wrong, or your mailing address has been changed without your permission; •someone has transferred or may transfer money from your account without your permission, or if a xxxx payment transaction has been made without your authorization; Telephoning is the best way of keeping your possible losses down. Call us at the number for the Bank provided in Section 10.6. You could lose all the money in your Accounts (plus maximum overdraft protection or the maximum amount of any line of credit established with us). If you tell us within two (2) Business Days after you learn of the loss, theft, or unauthorized transaction, you can lose no more than $50.00 if someone used your Access Code or made a transaction without your authorization. If you do NOT tell us within two (2) Business Days after you learn of the loss, theft, or unauthorized transaction, and we can prove we could have stopped someone from using your Access Code or the Service without your authorization if you had told us, you could lose as much as $500.00. If you do not tell us within sixty (60) days after the statement was first mailed, electronically transmitted, or otherwise made available to you, you may not get back any money you lost after the 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 a long trip or hospital stay) kept you from telling us, we may extend the time periods.

Unauthorized Transactions. To the extent a Service transaction is an “electronic fund transfer” under Federal Reserve Board Consumer Financial Protection Bureau Regulation E (“REG E”), you must tell us AT ONCE if you think: •An unauthorized person has discovered believe your Digital Banking passcode or other security credentials; •your statement or transaction record is wrong, or your mailing address Password has been changed without your permission; •someone has transferred lost or may transfer money from your account without your permissionstolen, or if a xxxx payment you believe that an Online Banking transaction has been made without your authorization; permission using information from your check. Telephoning is the best way of keeping your possible losses down. Call us at the number for the Bank provided in Section 10.6000-000-0000 or write us at Xxxxxxx Xxxxx Xxxx, X.X. Xxx 000, Xxxxxx, Xxxxxxx 00000-0000. You could lose all the money in your Accounts account (plus your maximum overdraft protection or the maximum amount of any line of credit established with uscredit). If you tell us within two (2) Business Days after you learn of the loss, theft, or unauthorized transaction, you can lose no more than $50.00 if someone used your Access Code or made a transaction without your authorization. If you do NOT tell us within two (2) Business Days after you learn of the loss, theft, or unauthorized transaction, and we can prove we could have stopped someone from using your Access Code or the Service without your authorization if you had told us, you could lose as much as $500.00. Also, if your statement shows a transaction that you did not make or authorize, tell us at once. If you do not tell us within sixty (60) days after the statement was first mailed, electronically transmitted, or otherwise made available to you, you may not get back any money you lost after the 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 a long trip or hospital stay) kept you from telling us, we may will extend the time periodsperiods as may be reasonable under the circumstances.

Unauthorized Transactions. To the extent a Service transaction is an “electronic fund transfer” under Consumer Federal Reserve Board Protection Bureau Regulation E (“REG E”), you must tell us AT ONCE if you think: •An unauthorized person has discovered believe your Digital Banking passcode or other security credentials; •your statement or transaction record is wrong, or your mailing address Password has been changed without your permission; •someone has transferred lost or may transfer money from your account without your permissionstolen, or if a xxxx payment you believe that an Online Banking transaction has been made without your authorization; permission using information from your check. Telephoning is the best way of keeping your possible losses down. Call us at the number for the Bank provided in Section 10.6000- 000-0000 or write to us at Renasant Bank, Attn: Special Products-Electronic Banking Administrator, P.O. Box 709, Tupelo, MS 38802-0709. You could lose all the money in your Accounts (plus maximum the money in any account linked to your Accounts for overdraft protection or may be obligated to repay the maximum amount of any line of credit established with usus to cover overdrafts). If you tell us within two (2) Business Days after you learn of the loss, theft, or unauthorized transaction, you can lose no more than $50.00 if someone used your Access Code without your authorization or made a transaction without your authorization. If you do NOT tell us within two (2) Business Days after you learn of the loss, theft, or unauthorized transaction, and we can prove we could have stopped someone from using your Access Code or the Service without your authorization if you had told us, you could lose as much as $500.00. Also, if your statement shows a transaction that you did not make or authorize, tell us at once. If you do not tell us within sixty (60) days after the statement was first mailed, electronically transmitted, or otherwise made available to you, you may not get back any money you lost after the 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 a long trip or hospital stay) kept you from telling us, we may will extend the time periodsperiods as may be reasonable under the circumstances.

Unauthorized Transactions. To the extent a Service transaction is an “electronic fund transfer” under Federal Reserve Board Consumer Financial Protection Bureau Regulation E (“REG E”), you must tell us AT ONCE if you think: •An unauthorized person has discovered believe your Digital Banking passcode or other security credentials; •your statement or transaction record is wrong, or your mailing address Password has been changed without your permission; •someone has transferred lost or may transfer money from your account without your permissionstolen, or if you believe that a xxxx payment Total Access transaction has been made without your authorization; permission using information from your check. Telephoning is the best way of keeping your possible losses down. Call us at the number for the Bank provided in Section 10.6. You could lose all the money in your Accounts account (plus your maximum overdraft protection or the maximum amount of any line of credit established with uscredit). If you tell us within two (2) Business Days after you learn of the loss, theft, or unauthorized transaction, you can lose no more than $50.00 if someone used your Access Code Password or made a transaction without your authorization. If you do NOT tell us within two (2) Business Days after you learn of the loss, theft, or unauthorized transaction, and we can prove we could have stopped someone from using your Access Code Password or the Service without your authorization if you had told us, you could lose as much as $500.00. Also, if your statement shows a transaction that you did not make or authorize, tell us at once. If you do not tell us within sixty (60) days after the statement was first mailed, electronically transmitted, or otherwise made available to you, you may not get back any money you lost after the 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 a long trip or hospital stay) kept you from telling us, we may will extend the time periodsperiods as may be reasonable under the circumstances.

Unauthorized Transactions. To the extent a Service transaction is an “electronic fund transfer” under Consumer Federal Reserve Board Protection Bureau Regulation E (“REG E”), you must tell us AT ONCE if you think: •An unauthorized person has discovered believe your Digital Banking passcode or other security credentials; •your statement or transaction record is wrong, or your mailing address Password has been changed without your permission; •someone has transferred lost or may transfer money from your account without your permissionstolen, or if you believe that a xxxx payment Digital Banking transaction has been made without your authorization; permission using information from your check. Telephoning is the best way of keeping your possible losses down. Call us at the number for the Bank provided in Section 10.6000-000-0000 or write to us at Renasant Bank, Attn: Special Products- Electronic Banking Administrator, P.O. Box 709, Tupelo, MS 38802-0709. You could lose all the money in your Accounts (plus maximum the money in any account linked to your Accounts for overdraft protection or may be obligated to repay the maximum amount of any line of credit established with usus to cover overdrafts). If you tell us within two (2) Business Days after you learn of the loss, theft, or unauthorized transaction, you can lose no more than $50.00 if someone used your Access Code without your authorization or made a transaction without your authorization. If you do NOT tell us within two (2) Business Days after you learn of the loss, theft, or unauthorized transaction, and we can prove we could have stopped someone from using your Access Code or the Service without your authorization if you had told us, you could lose as much as $500.00. Also, if your statement shows a transaction that you did not make or authorize, tell us at once. If you do not tell us within sixty (60) days after the statement was first mailed, electronically transmitted, or otherwise made available to you, you may not get back any money you lost after the 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 a long trip or hospital stay) kept you from telling us, we may will extend the time periodsperiods as may be reasonable under the circumstances.

Unauthorized Transactions. To the extent a Service transaction is an “electronic fund transfer” under Federal Reserve Board CFPB Regulation E (“REG E”), you must tell us AT ONCE if you think: •An unauthorized person has discovered believe your Digital Banking passcode or other security credentials; •your statement or transaction record is wrongPassword, Access Code, or your mailing address has Security Device has/have been changed without your permission; •someone has transferred lost or may transfer money from your account without your permissionstolen, or if a xxxx payment you believe that an Online Banking transaction has been made without your authorization; permission using information from your check. Telephoning is the best way of keeping your possible losses down. Call us at the number for the (912) 000- 0000, or write to us at PrimeSouth Bank provided in Section 10.6ATTN: Operations Department, XX Xxx 000, Xxxxxxxx, XX 00000. You could lose all the money in your Accounts account (plus your maximum overdraft protection or the maximum amount of any line of credit established with uscredit). If you tell us within two (2) Business Days after you learn of the loss, theft, or unauthorized transaction, you can lose no more than $50.00 if someone used your Access Code or made a transaction without your authorization. If you do NOT tell us within two (2) Business Days after you learn of the loss, theft, or unauthorized transaction, and we can prove we could have stopped someone from using your Access Code or the Service without your authorization if you had told us, you could lose as much as $500.00. Also, if your statement shows a transaction that you did not make or authorize, tell us at once. If you do not tell us within sixty (60) days after the statement was first mailed, electronically transmitted, or otherwise made available to you, you may not get back any money you lost after the 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 a long trip or hospital stay) kept you from telling us, we may will extend the time periodsperiods as may be reasonable under the circumstances.

Unauthorized Transactions. To the extent a Service transaction is an “electronic fund transfer” under Federal Reserve Board Consumer Financial Protection Bureau Regulation E (“REG E”), you must tell us AT ONCE if you think: •An unauthorized person has discovered believe your Digital Banking passcode or other security credentials; •your statement or transaction record is wrong, or your mailing address Password has been changed without your permission; •someone has transferred lost or may transfer money from your account without your permissionstolen, or if a xxxx payment you believe that an Online Banking transaction has been made without your authorization; permission using information from your check. Telephoning is the best way of keeping your possible losses down. Call us at the number for the Bank provided in Section 10.6000-000-0000 or 1 800-844-2000 (extension 6332), send a written notice to Personal Online Banking by fax to 000-000-0000 or by an email to xxxxxxxxxxxxxxxxxx@xxxxxxxxx.xxx. You could lose all the money in your Accounts account (plus your maximum overdraft protection or the maximum amount of any line of credit established with uscredit). If you tell us within two (2) Business Days after you learn of the loss, theft, or unauthorized transaction, you can lose no more than $50.00 if someone used your Access Code Credentials or made a transaction without your authorization. If you do NOT tell us within two (2) Business Days after you learn of the loss, theft, or unauthorized transaction, and we can prove we could have stopped someone from using your Access Code Credentials or the Service without your authorization if you had told us, you could lose as much as $500.00. Also, if your statement shows a transaction that you did not make or authorize, tell us at once. If you do not tell us within sixty (60) days after the statement was first mailed, electronically transmitted, or otherwise made available to you, you may not get back any money you lost after the 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 a long trip or hospital stay) kept you from telling us, we may extend the time periodsperiods as may be reasonable under the circumstances.

Unauthorized Transactions. To the extent a Service transaction is an “"electronic fund transfer” " under Federal Reserve Board Consumer Financial Protection Bureau Regulation E (“"REG E”"), you must tell us AT ONCE if you think: •An unauthorized person has discovered believe your Digital Banking passcode or other security credentials; •your statement or transaction record is wrong, or your mailing address Password has been changed without your permission; •someone has transferred lost or may transfer money from your account without your permissionstolen, or if a xxxx payment you believe that an Online Banking transaction has been made without your authorization; permission using information from your check. Telephoning is the best way of keeping your possible losses down. Call us at the number for the Bank Financial Institution provided in Section 10.6X.4. You could lose all the money in your Accounts (plus maximum overdraft protection or the maximum amount of any line of credit established with us). If you tell us within two (2) Business Days after you learn of the loss, theft, or unauthorized transaction, you can lose no more than $50.00 if someone used your Access Code or made a transaction without your authorization. If you do NOT tell us within two (2) Business Days after you learn of the loss, theft, or unauthorized transaction, and we can prove we could have stopped someone from using your Access Code or the Service without your authorization if you had told us, you could lose as much as $500.00. Also, if your statement shows a transaction that you did not make or authorize, tell us at once. If you do not tell us within sixty (60) days after the statement was first mailed, electronically transmitted, or otherwise made available to you, you may not get back any money you lost after the 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 a long trip or hospital stay) kept you from telling us, we may will extend the time periodsperiods as may be reasonable under the circumstances.

Unauthorized Transactions. To the extent a Service transaction is an “electronic fund transfer” under Federal Reserve Board Regulation E (“REG E”), you must tell a) Please contact us AT ONCE immediately if you think: •An believe that an unauthorized transaction has been or may be conducted from your Account(s); if you believe another person has discovered improperly obtained your Digital Banking passcode Access Information or other security credentials; •your statement or transaction record is wrong, or your mailing address has been changed without your permission; •someone has transferred or may transfer money from your account Account(s) without your permission, or if a xxxx payment transaction has been made without your authorization; Telephoning or you suspect fraudulent activity on your account(s). b) The fastest way to notify us of an unauthorized transaction is the best way of keeping your possible losses downby telephone. Call us at 312 -621 -1200 (Ext-254/252/255) on Business Days during business hours; or send us an email through the number for SBI Chicago website or leave a voice mail through the Bank provided above designated SBI customer number. c) Failure to notify us of an unauthorized transaction could result in Section 10.6. You could lose loss of all the money in your Accounts (account plus maximum any overdraft protection or the maximum amount of any line of credit established with us)credit. If you tell us within two (2) Business Days 2 business days after you learn of the loss, theft, loss or unauthorized transactiontheft of your Access Information, you can lose no more than $50.00 50 if someone used your Access Code or made a transaction password without your authorization. permission. d) If you do NOT fail to tell us within two (2) Business Days 2 business days after you learn of the loss, theft, loss or unauthorized transactiontheft of your Access Information, and we can prove we could have stopped someone from using your Access Code or the Service Information without your authorization permission if you had told us, you could lose as much as $500.00500. e) You will be mailed periodic statements for your account(s) with the regularity provided for in the Customer Manual for Deposit Accounts. Your role is extremely important in the prevention of any wrongful use of your Account(s). You must carefully examine your statement upon receipt. If your statement shows transfers that you did not make, including those made with your Access Information or by other means, tell us at once. If you do not tell us within sixty (60) 60 days after the statement was first mailed, electronically transmitted, or otherwise made available mailed to you, you may not get back any money you lost after the 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 a long trip or hospital stay) kept you from telling us, we may will extend the time periods. f) For purposes of these disclosures, “Business Day,” is defined in this Agreement, as Monday through Friday, from 9:00 a.m. to 3:00 p.m (CST), excluding Federal Reserve Holidays.

Unauthorized Transactions. To the extent a Service transaction is an “electronic fund transfer” under Federal Reserve Board Consumer Financial Protection Bureau Regulation E (“REG E”), you must tell us AT ONCE if you think: •An unauthorized person has discovered believe your Digital Banking passcode or other security credentials; •your statement or transaction record is wrong, or your mailing address Password has been changed without your permission; •someone has transferred lost or may transfer money from your account without your permissionstolen, or if a xxxx payment you believe that an Online Banking transaction has been made without your authorization; permission using information from your check. Telephoning is the best way of keeping your possible losses down. Call us at the number for the Bank provided in Section 10.6000-000-0000 or Toll free at: 0-000-000-0000 during our normal business hours (Monday through Friday, excluding holidays, from 8:00 a.m. until 5:00 p.m. C.S.T.) or write us at First Farmers and Merchants Bank, Attention: Internet Banking Services, X.X. Xxx 0000, Xxxxxxxx, XX 00000-0000. You could lose all the money in your Accounts account (plus your maximum overdraft protection or the maximum amount of any line of credit established with uscredit). If you tell us within two (2) Business Days after you learn of the loss, theft, or unauthorized transaction, you can lose no more than $50.00 if someone used your Access Code or made a transaction without your authorization. If you do NOT tell us within two (2) Business Days after you learn of the loss, theft, or unauthorized transaction, and we can prove we could have stopped someone from using your Access Code or the Service SYSTEM without your authorization if you had told us, you could lose as much as $500.00. You could also lose up to an additional $50.00 if the Funding Account has an overdraft protection line of credit feature. Also, if your statement shows a transaction that you did not make or authorize, tell us at once. If you do not tell us within sixty (60) days after the statement was first mailed, electronically transmitted, or otherwise made available to you, you may not get back any money you lost after the 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 a long trip or hospital stay) kept you from telling us, we may will extend the time periodsperiods as may be reasonable under the circumstances.

Unauthorized Transactions. To the extent a Service transaction is an “electronic fund transfer” under Federal Reserve Board Consumer Financial Protection Bureau Regulation E (“REG E”), you must tell us AT ONCE if you think: •An unauthorized person has discovered believe your Digital Banking passcode or other security credentials; •your statement or transaction record is wrong, or your mailing address Password has been changed without your permission; •someone has transferred lost or may transfer money from your account without your permissionstolen, or if a xxxx payment you believe that an Online Banking transaction has been made without your authorization; permission using information from your check. Telephoning is the best way of keeping your possible losses down. Call us at the number for the Bank provided in Section 10.6000-000-0000 or 0 000-000-0000 (extension 6332), send a written notice to Personal Online Banking by fax to 000-000-0000 or by an email to xxxxxxxxxxxxxxxxxx@xxxxxxxxx.xxx. You could lose all the money in your Accounts account (plus your maximum overdraft protection or the maximum amount of any line of credit established with uscredit). If you tell us within two (2) Business Days after you learn of the loss, theft, or unauthorized transaction, you can lose no more than $50.00 if someone used your Access Code Credentials or made a transaction without your authorization. If you do NOT tell us within two (2) Business Days after you learn of the loss, theft, or unauthorized transaction, and we can prove we could have stopped someone from using your Access Code Credentials or the Service without your authorization if you had told us, you could lose as much as $500.00. Also, if your statement shows a transaction that you did not make or authorize, tell us at once. If you do not tell us within sixty (60) days after the statement was first mailed, electronically transmitted, or otherwise made available to you, you may not get back any money you lost after the 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 a long trip or hospital stay) kept you from telling us, we may extend the time periodsperiods as may be reasonable under the circumstances.

Unauthorized Transactions. The following provisions of this section apply only to Online Banking Services and Accounts established primarily for personal, family, or household purposes. To the extent a Service transaction is an “"electronic fund transfer” " under Federal Reserve Board Regulation E (“REG E”), you must tell Tell us AT ONCE if you think: •An unauthorized person has discovered believe your Digital Banking passcode or other security credentials; •your statement or transaction record is wrong, or your mailing address Password has been changed without your permission; •someone has transferred lost or may transfer money from your account without your permissionstolen, or if a xxxx payment you believe that an Online Banking Service transaction has been made without your authorization; permission. Telephoning is the best way of keeping your possible losses down. Call us at the number for the Bank provided in Section 10.6. You could lose all the money in your Accounts (plus maximum overdraft protection or the maximum amount of any line of credit established with us). If you tell us within two (2) Business Days after you learn of the loss, theft, or unauthorized transaction, you can lose no more than $50.00 50 if someone used your Access Code Password or made a transaction without your authorization. If you do NOT tell us within two (2) Business Days after you learn of the loss, theft, or unauthorized transaction, and we can prove we could have stopped someone from using your Access Code Password or the Online Service without your authorization if you had told so informed us, you could lose as much as $500.00500. Also, if your statement shows a transaction that you did not make or authorize, tell us at once. If you do not tell us within sixty (60) days after the statement was first mailed, electronically transmitted, or otherwise made available to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. Please contact us at (404) 715‐4725 or (800) 544‐3328. If a good reason (such as a long trip or hospital stay) kept you from telling us, we may will extend the time periodsperiods as may be reasonable under the circumstances.

Unauthorized Transactions. To the extent a Service transaction is an “electronic fund transfer” under Federal Reserve Board Consumer Financial Protection Bureau Regulation E (“REG E”), you must tell us AT ONCE if you think: •An unauthorized person has discovered believe your Digital Banking passcode or other security credentials; •your statement or transaction record is wrong, or your mailing address Password has been changed without your permission; •someone has transferred lost or may transfer money from your account without your permissionstolen, or if a xxxx payment you believe that an Online Banking transaction has been made without your authorization; permission using information from your Check. Telephoning is the best way of keeping your possible losses down. Call us at the number for the Bank provided in Section 10.6. You could lose all the money in your Accounts (plus maximum overdraft protection or the maximum amount of any line of credit established with us). If you tell us within two (2) Business Days after you learn of the loss, theft, or unauthorized transaction, you can lose no more than $50.00 if someone used your Access Code or made a transaction without your authorization. If you do NOT tell us within two (2) Business Days after you learn of the loss, theft, or unauthorized transaction, and we can prove we could have stopped someone from using your Access Code or the Service without your authorization if you had told us, you could lose as much as $500.00. Also, if your statement shows a transaction that you did not make or authorize, tell us at once. If you do not tell us within sixty (60) days after the statement was first mailed, electronically transmitted, or otherwise made available to you, you may not get back any money you lost after the 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 a long trip or hospital stay) kept you from telling us, we may will extend the time periodsperiods as may be reasonable under the circumstances.

Unauthorized Transactions. To the extent a Service transaction is an “electronic fund transfer” under Federal Reserve Board Consumer Financial Protection Bureau Regulation E (“REG E”), you must tell us AT ONCE if you think: •An unauthorized person has discovered believe your Digital Banking passcode or other security credentials; •your statement or transaction record is wrong, or your mailing address Password has been changed without your permission; •someone has transferred lost or may transfer money from your account without your permissionstolen, or if a xxxx payment you believe that an Online Banking transaction has been made without your authorization; permission using information from your check. Telephoning is the best way of keeping your possible losses down. Call us at the number for the Bank provided in Section 10.6337-824- 8902. You could lose all the money in your Accounts account (plus your maximum overdraft protection or the maximum amount of any line of credit established with uscredit). If you tell us within two (2) Business Days after you learn of the loss, theft, or unauthorized transaction, you can lose no more than $50.00 if someone used your Access Code or made a transaction without your authorization. If you do NOT tell us within two (2) Business Days after you learn of the loss, theft, or unauthorized transaction, and we can prove we could have stopped someone from using your Access Code or the Service without your authorization if you had told us, you could lose as much as $500.00. Also, if your statement shows a transaction that you did not make or authorize, tell us at once. If you do not tell us within sixty (60) days after the statement was first mailed, electronically transmitted, or otherwise made available to you, you may not get back any money you lost after the 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 a long trip or hospital stay) kept you from telling us, we may will extend the time periodsperiods as may be reasonable under the circumstances. Refer to your Equity Line of Credit Agreement for any applicable limitations on your liability in connection with unauthorized use of your Equity Line of Credit Accounts.

Unauthorized Transactions. To the extent a Service transaction is an “electronic fund transfer” under Federal Reserve Board Consumer Financial Protection Bureau Regulation E (“REG E”), you must tell us AT ONCE if you think: •An unauthorized person has discovered believe your Digital Banking passcode or other security credentials; •your statement or transaction record is wrong, or your mailing address Password has been changed without your permission; •someone has transferred lost or may transfer money from your account without your permissionstolen, or if a xxxx payment you believe that an Online Banking transaction has been made without your authorization; permission using information from your check. Telephoning is the best way of keeping your possible losses down. Call us at the number for the Bank provided in Section 10.60-000-000-0000, send a written notice to Personal Online Banking by fax to 000-000-0000 or by an email to xxxxxxxxxxxxxxxxxx@xxxxxxxxx.xxx. You could lose all the money in your Accounts account (plus your maximum overdraft protection or the maximum amount of any line of credit established with uscredit). If you tell us within two (2) Business Days after you learn of the loss, theft, or unauthorized transaction, you can lose no more than $50.00 if someone used your Access Code Credentials or made a transaction without your authorization. If you do NOT tell us within two (2) Business Days after you learn of the loss, theft, or unauthorized transaction, and we can prove we could have stopped someone from using your Access Code Credentials or the Service without your authorization if you had told us, you could lose as much as $500.00. Also, if your statement shows a transaction that you did not make or authorize, tell us at once. If you do not tell us within sixty (60) days after the statement was first mailed, electronically transmitted, or otherwise made available to you, you may not get back any money you lost after the 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 a long trip or hospital stay) kept you from telling us, we may extend the time periodsperiods as may be reasonable under the circumstances.

Unauthorized Transactions. The following provisions of this section apply only to Online Banking Services and Accounts established primarily for personal, family, or household purposes. To the extent a Service transaction is an “"electronic fund transfer” " under Federal Reserve Board Regulation E (“REG E”), you must tell Tell us AT ONCE if you think: •An unauthorized person has discovered believe your Digital Banking passcode or other security credentials; •your statement or transaction record is wrong, or your mailing address Password has been changed without your permission; •someone has transferred lost or may transfer money from your account without your permissionstolen, or if a xxxx payment you believe that an Online Banking Service transaction has been made without your authorization; permission. Telephoning is the best way of keeping your possible losses down. Call us at the number for the Bank provided in Section 10.6. You could lose all the money in your Accounts (plus maximum overdraft protection or the maximum amount of any line of credit established with us). If you tell us within two (2) Business Days after you learn of the loss, theft, or unauthorized transaction, you can lose no more than $50.00 50 if someone used your Access Code Password or made a transaction without your authorization. If you do NOT tell us within two (2) Business Days after you learn of the loss, theft, or unauthorized transaction, and we can prove we could have stopped someone from using your Access Code Password or the Online Service without your authorization if you had told so informed us, you could lose as much as $500.00500. Also, if your statement shows a transaction that you did not make or authorize, tell us at once. If you do not tell us within sixty (60) days after the statement was first mailed, electronically transmitted, or otherwise made available to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. Please contact us at (404) 715-­‐4725 or (800) 544-­‐3328. If a good reason (such as a long trip or hospital stay) kept you from telling us, we may will extend the time periodsperiods as may be reasonable under the circumstances.

Unauthorized Transactions. To the extent a Service transaction is an “electronic fund transfer” under Federal Reserve Board Regulation E (“REG E”), you must tell us AT ONCE if you think: •An unauthorized person has discovered believe your Digital Banking passcode or other security credentials; •your statement or transaction record is wrong, or your mailing address Password has been changed without your permission; •someone has transferred lost or may transfer money from your account without your permissionstolen, or if a xxxx payment you believe that an Online Banking transaction has been made without your authorization; permission using information from your check. Telephoning is the best way of keeping your possible losses down. Call us at the number for the Bank provided in Section 10.610.06. You could lose all the money in your Accounts (plus maximum overdraft protection or the maximum amount of any line of credit established with us). If you tell us within two (2) Business Days after you learn of the loss, theft, or unauthorized transaction, you can lose no more than $50.00 if someone used your Access Code or made a transaction without your authorization. If you do NOT tell us within two (2) Business Days after you learn of the loss, theft, or unauthorized transaction, and we can prove we could have stopped someone from using your Access Code or the Service without your authorization if you had told us, you could lose as much as $500.00. Also, if your statement shows a transaction that you did not make or authorize, tell us at once. If you do not tell us within sixty (60) days after the statement was first mailed, electronically transmitted, or otherwise made available to you, you may not get back any money you lost after the 60 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 a long trip or hospital stay) kept you from telling us, we may will extend the time periodsperiods as may be reasonable under the circumstances.

Unauthorized Transactions. To the extent a Service transaction is an “electronic fund transfer” under Consumer Federal Reserve Board Protection Bureau Regulation E (“REG E”), you must tell us AT ONCE if you think: •An unauthorized person has discovered believe your Digital Banking passcode or other security credentials; •your statement or transaction record is wrong, or your mailing address Password has been changed without your permission; •someone has transferred lost or may transfer money from your account without your permissionstolen, or if a xxxx payment you believe that an Online Banking transaction has been made without your authorization; permission using information from your check. Telephoning is the best way of keeping your possible losses down. Call us at the number for the Bank provided in Section 10.6000- 000-0000 or write to us at Renasant Bank, Attn: Special Products-Electronic Banking Administrator, X.X. Xxx 000, Xxxxxx, XX 00000-0000. You could lose all the money in your Accounts (plus maximum the money in any account linked to your Accounts for overdraft protection or may be obligated to repay the maximum amount of any line of credit established with usus to cover overdrafts). If you tell us within two (2) Business Days after you learn of the loss, theft, or unauthorized transaction, you can lose no more than $50.00 if someone used your Access Code without your authorization or made a transaction without your authorization. If you do NOT tell us within two (2) Business Days after you learn of the loss, theft, or unauthorized transaction, and we can prove we could have stopped someone from using your Access Code or the Service without your authorization if you had told us, you could lose as much as $500.00. Also, if your statement shows a transaction that you did not make or authorize, tell us at once. If you do not tell us within sixty (60) days after the statement was first mailed, electronically transmitted, or otherwise made available to you, you may not get back any money you lost after the 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 a long trip or hospital stay) kept you from telling us, we may will extend the time periodsperiods as may be reasonable under the circumstances.

Unauthorized Transactions. To the extent a Service transaction is an “electronic fund transfer” under Consumer Federal Reserve Board Protection Bureau Regulation E (“REG E”), you must tell us AT ONCE if you think: •An unauthorized person has discovered believe your Digital Banking passcode or other security credentials; •your statement or transaction record is wrong, or your mailing address Password has been changed without your permission; •someone has transferred lost or may transfer money from your account without your permissionstolen, or if a xxxx payment you believe that an Online Banking transaction has been made without your authorization; permission using information from your check. Telephoning is the best way of keeping your possible losses down. Call us at the number for the Bank provided in Section 10.6000- 000-0000 or write to us at Renasant Bank, Attn: Special Products-Electronic Banking Administrator, X.X. Xxx 000, Xxxxxx, XX 00000-0000. You could lose all the money in your Accounts (plus maximum the money in any account linked to your Accounts for overdraft protection or may be obligated to repay the maximum amount of any line of credit established with usus to cover overdrafts). If you tell us within two (2) Business Days after you learn of the loss, theft, or unauthorized transaction, you can lose no more than $50.00 if someone used your Access Code without your authorization or made a transaction without your authorization. If you do NOT tell us within two (2) Business Days after you learn of the loss, theft, or unauthorized transaction, and we can prove we could have stopped someone from using your Access Code or the Service without your authorization if you had told us, you could lose as much as $500.00. Also, if your statement shows a transaction that you did not make or authorize, tell us at once. If you do not tell us within sixty (60) days after the statement was first mailed, electronically transmitted, or otherwise made available to you, you may not get back any money you lost after the 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 a long trip or hospital stay) kept you from telling us, we may will extend the time periodsperiods as may be reasonable under the circumstances. 3.5.2. B ank’s Failure to Complete Transactions. To the extent that a Service transaction is an “electronic fund transfer” under Reg E that relates to an Account established primarily for personal, family, or household purposes, if we do not properly complete a transfer to or from your Account on time or in the correct amount according to the terms of this Agreement, we will be liable for your losses or damages. However, we will not be liable (and any Payment guarantee provided elsewhere in this Agreement will not be applicable) if any of the following occurs: .1. Through no fault of ours, the Account selected by you does not contain sufficient available funds to complete the Payment or Transfer; .2. The transaction would exceed the credit limit on any overdraft line of credit linked to the Account; .3. Your Equipment, including without limitation, PC, Internet service provider, telephone line, modem is not operating properly; .4. The Service is not working properly and you were aware of the malfunction when you initiated the transaction; .5. You do not properly follow the instructional materials or Operating Instructions provided in connection with Online Banking; .6. You do not authorize a Payment within a sufficient period of time for your Payment to be received by the payee by the due date; .7. You have not provided us with the correct Payee name, address, account information, Payment amount, or other instructions necessary to complete the Payment, or the foregoing instructions stored on your PC’s hard drive or the host system have been lost; .8. A Payee mishandles or delays the handling of Payments sent by us; .9. Your funds are held or frozen, or a court order or other legal process prevents us from making a transaction; .10. Your Access Code has been reported lost or stolen; .11. We have reason to believe that a transaction has not been properly authorized or authenticated, or is fraudulent, erroneous, or illegal; .12. You have exceeded the limitations on frequency of transactions or dollar amount of transactions applicable to the Service or the Account; .13. Your telephone service has been disconnected or there are deficiencies in the quality of your telephone line; .14. Circumstances beyond our control (such as telecommunication, Internet or electrical outages and malfunctions, postal strikes or delays, computer system failures, or natural disasters) prevent the transaction; .15. Making a transfer would cause us to violate any law, rule, or regulation to which we are subject; or .16. Any failure on our part was not intentional and resulted from a bona fide error notwithstanding procedures to avoid such error, except for actual damages (which do not include indirect, incidental, special, or consequential damages).

Unauthorized Transactions. To the extent a Service transaction is an “electronic fund transfer” under Federal Reserve Board Consumer Financial Protection Bureau Regulation E (“REG E”), you must tell us AT ONCE if you think: •An unauthorized person has discovered believe your Digital Banking passcode or other security credentials; •your statement or transaction record is wrong, or your mailing address Password has been changed without your permission; •someone has transferred lost or may transfer money from your account without your permissionstolen, or if a xxxx payment you believe that an Online Banking transaction has been made without your authorization; permission using information from your check. Telephoning is the best way of keeping your possible losses down. Call us at the number for the Bank provided in Section 10.6000-000-0000. You could lose all the money in your Accounts account (plus your maximum overdraft protection or the maximum amount of any line of credit established with uscredit). If you tell us within two (2) Business Days after you learn of the loss, theft, or unauthorized transaction, you can lose no more than $50.00 if someone used your Access Code or made a transaction without your authorization. If you do NOT tell us within two (2) Business Days after you learn of the loss, theft, or unauthorized transaction, and we can prove we could have stopped someone from using your Access Code or the Service without your authorization if you had told us, you could lose as much as $500.00. Also, if your statement shows a transaction that you did not make or authorize, tell us at once. If you do not tell us within sixty (60) days after the statement was first mailed, electronically transmitted, or otherwise made available to you, you may not get back any money you lost after the 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 a long trip or hospital stay) kept you from telling us, we may will extend the time periodsperiods as may be reasonable under the circumstances. Refer to your Equity Line of Credit Agreement for any applicable limitations on your liability in connection with unauthorized use of your Equity Line of Credit Accounts.