Common use of Unauthorized Transactions Clause in Contracts

Unauthorized Transactions. All EFTs‌ Your Liability for Unauthorized Use‌ Tell us AT ONCE if you believe that your Card, PIN, CALL-24 access code, or Internet Banking, Mobile Banking and Bill Payment password or access code has been lost or stolen or may be subject to unauthorized use, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Please refer to the “HOW TO CONTACT US” section at the end of this Agreement for how to provide this notification. Telephoning is the best way to keep losses down. You could lose all the money in your account plus your maximum overdraft line of credit if you fail to promptly report unauthorized use of an ATM Card, CALL-24, Internet Banking, Mobile Banking and Bill Payment, or certain unauthorized use of a VISA® Debit Card. If you believe your Card or code has been lost or stolen or otherwise made available to an unauthorized person, and you tell us within two (2) business days after you learn of the loss of theft, you can lose no more than $50 if someone used your card or PIN without your permission. However, if you DO NOT tell us within two (2) business days after you learn of the loss, theft, or other unauthorized use of your Card or code, and we can prove that we could have stopped someone from using your Card or code without your permission, you could lose as much as $500. (Under California law, this paragraph does not apply to the VISA® Debit Card even if the unauthorized use is exempt from the Visa zero liability rule.)‌ Also, if your statement shows unauthorized transactions, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, we are not obligated to refund any money you lost after the sixty‌ (60) days, if we can prove that we could have stopped someone from taking the money if you had told us in time. That means you could lose all the money in your account plus your maximum overdraft line of credit. If a good reason (such as a long trip or a hospital stay) kept you from informing us, we may extend the time periods.‌ If unauthorized use of your Visa® Debit Card is not exempt from the “no liability” rule under Visa® USA operating rules, your liability is limited to that indicated in the separate Visa® Debit Card section above.‌

Unauthorized Transactions. All EFTs‌ EFTs Your Liability for Unauthorized Use‌ Use Tell us AT ONCE if you believe that your Card, PIN, CALL-24 access code, or Internet Banking, Mobile Banking and Bill Payment password or access code has been lost or stolen or may be subject to unauthorized use, or if you believe that an electronic fund electronicfund transfer has been made without your permission using information from your check. Please refer to the “HOW TO CONTACT US” section at the end of this Agreement for how to provide this notification. Telephoning is the best way to keep losses down. You could lose all the money in your account plus your maximum overdraft line of credit if you fail to promptly report unauthorized use of an ATM Card, CALL-24, Internet Banking, Mobile Banking and Bill Payment, or certain unauthorized use of a VISA® Debit Card. If you believe your Card or code has been lost or stolen or otherwise made available to an unauthorized person, and you tell us within two (2) business days after you learn of the loss of theft, you can lose no more than $50 if someone used your card or PIN without your permission. However, if you DO NOT tell us within two (2) business days after you learn of the loss, theft, or other unauthorized use of your Card or code, and we can prove that we could have stopped someone from using your Card or code without your permission, you could lose as much as $500. (Under California law, this paragraph does not apply to the VISA® Debit Card even if the unauthorized use is exempt from the Visa VISA® zero liability rule.)‌ rule.) Also, if your statement shows unauthorized transactions, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, we are not obligated to refund any money you lost after the sixty‌ sixty (60) days, if we can prove that we could have stopped someone from taking the money if you had told us in time. That means you could lose all the money in your account plus your maximum overdraft line of credit. If a good reason (such as a long trip or a hospital stay) kept you from informing us, we may extend the time periods.‌ periods. If unauthorized use of your VisaVISA® Debit Card is not exempt from the “no liability” rule under VisaVISA® USA operating rules, your liability is limited to that indicated in the separate VisaVISA® Debit Card section above.‌above.

Unauthorized Transactions. All EFTs‌ Your Liability You are in the best position to discover and report any unauthorized use. You agree that WEST BANK will not be liable for Unauthorized Use‌ Tell us AT ONCE any losses or costs for forgeries or unauthorized transactions that cannot be detected through standard banking procedures, including the automated processing of items and deposits. You acknowledge that WEST BANK, consistent with industry practice, does not scrutinize Depositor signatures, any restrictive legends, or review the number or combination of signatures on an item drawn against your account. You must notify WEST BANK immediately if you believe that your Card, PIN, CALL-24 access code, or Internet Banking, Mobile Banking and Bill Payment password or access code has been lost or stolen or may deposit account could be subject to unauthorized use, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Please refer to the “HOW TO CONTACT US” section at the end of this Agreement for how to provide this notification. Telephoning is the best way to keep losses down. You could lose all the money in your account plus your maximum overdraft line of credit if you fail to promptly report unauthorized use of an ATM Card, CALL-24, Internet Banking, Mobile Banking and Bill Payment, or certain unauthorized use of a VISA® Debit Card. If you believe your Card or code has been lost or stolen or otherwise made available to used by an unauthorized person, and or if an unauthorized transaction has occurred involving your account. Visit us in person, call the Customer Service Department at WEST BANK immediately toll-free at 0-000-000-0000, or write us at: WEST BANK Attn: Customer Service 1601 – 00xx Xxxxxx Xxxx Xxx Xxxxxx, XX 00000 You agree to review your statement promptly each month. If you tell us within two (2) business days after you learn of the loss of theftthink that an unauthorized transaction has been made, you can lose no more than $50 if someone used your card should notify WEST BANK immediately by phone or PIN without your permission. However, if you DO NOT tell us within two (2) business days after you learn of the loss, theft, or other unauthorized use of your Card or code, and we can prove that we could have stopped someone from using your Card or code without your permission, you could lose as much as $500. (Under California law, this paragraph does not apply to the VISA® Debit Card even if the unauthorized use is exempt from the Visa zero liability rule.)‌ Also, if your statement shows unauthorized transactions, tell us at oncein person. If you do not tell us notify WEST BANK, the statement will be considered correct. You agree that WEST BANK will not be liable for any unauthorized transactions, including forgeries, alterations, counterfeits, unauthorized signatures, or any other errors or unauthorized charges, unless you provide such notice within a reasonable time, not to exceed thirty (30) days from the statement date. During the thirty (30) day time period, liability for any loss will be allocated between you and WEST BANK, in proportion to responsibility for the loss. WEST BANK may require you to complete an affidavit or other written statement regarding the loss. You further agree that if you do not provide notice of an unauthorized signature or alteration within a reasonable time, not to exceed thirty (30) days from your statement date where the first unauthorized or altered item from the same wrongdoer appeared, you will be liable for any unauthorized signature or alteration prepared by the same wrongdoer. This thirty (30) day limitation is without regard to WEST BANK’s actions and runs concurrently with the thirty (30) day limits discussed in M and N. above. You may not bring any claim against West Bank for an unauthorized transaction, including forgeries, alterations, counterfeits, unauthorized signatures, or any other errors or unauthorized charges, unless you provide notice to West Bank within sixty (60) days after of the statement was mailed to you, we are not obligated to refund date of your statement. In the event of any money you recovery of funds lost after the sixty‌ (60) days, if we can prove that we could have stopped someone from taking the money if you had told us in time. That means you could lose all the money in or stolen as a result of any errors or unauthorized transactions associated with your account plus your maximum overdraft line of credit. If a good reason (such you agree that WEST BANK will have subrogation rights to the recovery to the extent WEST BANK has suffered any loss as a long trip result of the errors or unauthorized transactions. You agree to pursue all rights you may have under any insurance policy you maintain in connection with any loss associated with your account and to provide us with information regarding coverage. Unauthorized transactions involving certain Online Banking and Mobile Banking services have other specific rules not set forth in this Agreement. Refer to your WEST BANK Online and Mobile Banking Agreement and the sub-agreement related to the service you are using for more details. DEBIT CARD TRANSACTIONS (CONSUMER ACCOUNTS ONLY). Consumer accounts are those established by a hospital stay) kept you from informing usnatural person primarily for personal, we may extend the time periods.‌ If unauthorized use of your Visa® Debit Card is not exempt from the “no liability” rule under Visa® USA operating rulesfamily, your liability is limited or household purposes. Please refer to that indicated in the separate Visa® Debit Card section above.‌disclosures provided to you for a description of how we handle unauthorized transactions relating to Electronic Funds Transfers.

Unauthorized Transactions. All EFTs‌ Your Liability for Unauthorized Use‌ Tell You should notify us AT ONCE immediately if you believe that anyone has improperly obtained your Card, PIN, CALL-24 access code, or Internet Banking, Mobile Banking and Bill Payment password or access code has been lost or stolen or may be subject to unauthorized use, or if you believe that an electronic fund transfer suspect any fraudulent activity in your account(s). If your password has been made without your permission using information from your check. Please refer to the “HOW TO CONTACT US” section at the end of this Agreement for how to provide this notification. Telephoning is the best way to keep losses down. You could lose all the money in your account plus your maximum overdraft line of credit if you fail to promptly report unauthorized use of an ATM Card, CALL-24, Internet Banking, Mobile Banking and Bill Payment, or certain unauthorized use of a VISA® Debit Card. If you believe your Card or code has been lost or stolen or otherwise made available to an unauthorized person, compromised and you tell us within two (2) business days after you learn of discovering the loss of theftor misappropriation, you can lose no more than $50 if someone used your card or PIN without your permission50. However, if If you DO NOT do not tell us within the two (2) business days after you learn of the loss, theft, or other unauthorized use of your Card or code, and we can prove that we could have stopped someone from using your Card or code without your permissionday period, you could lose as much as $500500 if we could have stopped the use of your accounts had we received notice in a timely manner. You should contact us as soon as you identify any errors or discrepancies in your statement or transaction record, or if you need any information about a transaction listed on the statement or transaction record. Susquehanna Community Bank Operations Department 000 Xxxx Xxxxxx Xxxx Xxxxxx, PA 17886 (570) 568-6851 BUSINESS DAYS: Monday, Tuesday, Wednesday, Thursday, and Friday. Holidays are not included. We must hear from you no later than sixty (60) days after we have sent the first statement on which the problem or error appeared. (Under California lawIf you notify us verbally, this paragraph does not apply to the VISA® Debit Card even if the unauthorized use is exempt from the Visa zero liability rule.)‌ Also, if we may require that you send us your statement shows unauthorized transactions, tell us at oncecomplaint or question in writing or electronically within ten (10) business days). If you do not tell us within sixty (60) 60 days after the statement was mailed to you, we are you may not obligated to refund get back any money you lost after the sixty‌ (60) days, 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. That means you could lose all the money in your account plus your maximum overdraft line of credit. If a We may extend these time periods for good reason (reasons such as out-of-town travel or extended hospital stays. When you report a long trip problem or discrepancy, please: (i) tell us your name and account number; (ii) describe the error or the transaction you are unsure about, and explain why you believe it is in error or what additional information you need; (iii) tell us the dollar amount of any suspected error; and (iv) for a hospital stayxxxx payment, tell us the number of the account used to pay the xxxx, the applicable payee name and account number, the date the payment was sent, the payment amount and the payment reference number. Generally speaking, we will tell you the results of our investigation within ten (10) kept you business days, or twenty (20) business days in the case of international transactions, after we hear from informing usyou. However, we may extend take up to forty-five (45) days, or ninety (90) days in the case of international transactions, to investigate your complaint or question. In this case, we may provisionally credit your account so that you have use of the money during the time periods.‌ it takes us to complete our investigation. If unauthorized use you fail to provide your complaint or question in writing within ten (10) business days of a request from us to do so, we reserve the right to not credit your Visa® Debit Card is not exempt from the “no liability” rule under Visa® USA operating rulesaccount. If we confirm an error, we will correct your liability is limited to that indicated account record within ten (10) business days, or twenty (20) business days in the separate Visa® Debit Card section above.‌case of international transaction. If we determine that there was no error, we will send you a written explanation within three (3) business days after we conclude our investigation and will debit any interim amounts credited to your account. You may request copies of any documents that we use in our investigation.

Unauthorized Transactions. All EFTs‌ Your Liability for Unauthorized Use‌ Tell a) Please contact us AT ONCE if you believe that your Card, PIN, CALL-24 access code, or Internet Banking, Mobile Banking and Bill Payment password or access code has been lost or stolen or may be subject to unauthorized use, or immediately if you believe that an electronic fund transfer unauthorized transaction has been made without your permission using information or may be conducted from your check. Please refer to the “HOW TO CONTACT US” section at the end of this Agreement for how to provide this notification. Telephoning is the best Account(s); if you believe another person has improperly obtained your Access Information or has transferred or may transfer money from your Account(s) without authorization; or you suspect fraudulent activity on your account(s). b) The fastest way to keep losses downnotify us of an unauthorized transaction is by telephone. You Call us at (000)000- 0000/3288/3342 on Business Days during business hours; or send us an email through the SBI New York website or leave a voice mail through the above designated SBI customer number. c) Failure to notify us of an unauthorized transaction could lose result in loss of all the money in your account plus your maximum any overdraft line of credit if you fail to promptly report unauthorized use of an ATM Card, CALL-24, Internet Banking, Mobile Banking and Bill Payment, or certain unauthorized use of a VISA® Debit Cardcredit. If you believe your Card or code has been lost or stolen or otherwise made available to an unauthorized person, and you tell us within two (2) 2 business days after you learn of the loss or theft of theftyour Access Information, you can lose no more than $50 if someone used your card or PIN password without your permission. However, if . d) If you DO NOT fail to tell us within two (2) 2 business days after you learn of the loss, theft, loss or other unauthorized use theft of your Card or codeAccess Information, and we can prove that we could have stopped someone from using your Card or code Access Information without your permissionpermission if you had told us, you could lose as much as $500. e) You will be mailed periodic statements for your account(s) with the regularity provided for in the Customer Manual for Deposit Accounts. (Under California law, this paragraph does not apply to Your role is extremely important in the VISA® Debit Card even if the unauthorized prevention of any wrongful use is exempt from the Visa zero liability rule.)‌ Also, if of your Account(s). You must carefully examine your statement upon receipt. If your statement shows unauthorized transactionstransfers 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 mailed to you, we are you may not obligated to refund get back any money you lost after the sixty‌ (60) days, 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. That means you could lose all the money in your account plus your maximum overdraft line of credit. If a good reason (such as a long trip or a hospital stay) kept you from informing telling us, we may will extend the time periods.‌ If unauthorized use periods. f) For purposes of your Visa® Debit Card these disclosures, “Business Day,” is not exempt defined in this Agreement, as Monday through Friday, from the “no liability” rule under Visa® USA operating rules9:00 a.m. to 3:00 p.m, your liability is limited to that indicated in the separate Visa® Debit Card section above.‌excluding Federal Reserve Holidays.