Common use of Your Liability for Unauthorized Electronic Fund Transfers Clause in Contracts

Your Liability for Unauthorized Electronic Fund Transfers. Tell us AT ONCE if you believe your Card or PIN has been lost or stolen or funds have been transferred from your Account without your permission. Reporting such loss, theft, or unauthorized transfer by calling us at (000) 000-0000 is the best way of keeping your possible losses down. You could lose all the money in your Account (plus an amount up to your maximum Overdraft Protection limit). If you tell us within two business days after you learn of the loss or theft of your Card or PIN, you can lose no more than $50 if someone used your Card or PIN without your permission. If you do NOT tell us within two business days after you learn of the loss or theft of your Card or PIN, and we can prove that we could have stopped someone from using your Card or PIN without your permission if you had told us, you could lose as much as $500. (Note: Since your Card is a Visa Card, you will not be held responsible for unauthorized transactions processed by Visa if you use care in protecting your Card and PIN and notify us immediately of any unauthorized use.) Also, if your statement shows transfers that you did not make, including those made by Card, PIN, or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed 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 in your Account if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.

Your Liability for Unauthorized Electronic Fund Transfers. Tell us AT ONCE at once if you believe your Card or PIN has been lost or stolen stolen, or funds have if you believe that an electronic fund transfer has been transferred made without your permission using information from your Account without your permissionCard or PIN. Reporting such loss, theft, or unauthorized transfer by calling Telephoning us at (000) 000-0000 is the best way of keeping your possible losses down. You could lose all the money in your Account (plus an amount up to your maximum Overdraft Protection limit)account. If you tell us within two (2) business days after you learn of the loss or theft of your Card or PIN, you can lose no more than $50 if someone used your Card or PIN without your permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your Card or PIN, and we can prove that we could have stopped someone from using your Card or PIN without your permission if you had told us, you could lose as much as $500. (Note: Since your Card is a Visa Card, you will not be held responsible for unauthorized transactions processed by Visa if you use care in protecting your Card and PIN and notify us immediately of any unauthorized use.) Also, if If your statement shows transfers that you did not make, including those made by Card, PIN, PIN or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed 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 in your Account if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. Unauthorized use does not include use by a person to whom you have given your Card and PIN code (or other access device) and you will be liable for all use by such person. Please note that you may have to settle directly with the merchant any disputes you have about goods or services you purchase through point-of-sale transactions. If a merchant misrepresents the quality, price or warranty of goods or services you pay for by using your Card, we are not responsible for any damages or liability that result from the misrepresentation. How to Stop Preauthorized Transfers from Your Account If you have told us in advance to make regular payments out of your account, you can stop any of these payments by writing to us at CIT Bank, P.O. Box 7056, Pasadena, CA 00000-0000 or by calling us at 000-000-0000. We must receive your request at least three (3) business days before the payment is scheduled to be made. Please note that if you fail to give us your request at least three (3) business days prior to a transfer, we may attempt, at our sole discretion, to stop the payment. We assume no responsibility for our failure or refusal to do so, however, even if we accept the request for processing. If you call, we may require you to put your request to us in writing and to provide us with a copy of your notice to the payee, revoking the payee’s authority to originate debits to your account, within 14 days after you call. If we do not receive the written confirmation within 14 days, we may honor subsequent debits to your account. For individual payments, your request should specify the exact amount (dollars and cents) of the transfer you want to stop, the date of the transfer and the identity of the payee. Unless you tell us that all future transfers to a specific recipient are to be stopped, we may treat your stop payment order as a request concerning the one transfer only. If you order us to stop one of these payments at least three (3) business days before the transfer is scheduled and we do not do so, we will be liable for your losses or damages, proximately caused by our failure to stop payment, not to exceed the amount of the transfer. Lost or Stolen Card/PIN or Unauthorized Transaction If you believe your Card or PIN has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call us at the number or write us at the address described in the preceding section. In Case of Errors or Questions about Your Electronic Transfers Call us at the number or write us at the address described above as soon as you can if you think your statement or receipt is wrong or if you need more information about an electronic transaction. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.

Your Liability for Unauthorized Electronic Fund Transfers. Tell us AT ONCE if you believe your Card or PIN has been lost or stolen or funds have been transferred from your Account account without your permission. Reporting such loss, theft, or unauthorized transfer by calling us at (000) 000-0000 is the best way of keeping your possible losses down. You could lose all the money in your Account account (plus an amount up to your maximum Overdraft Protection (as defined below) limit). If you tell us within two business days after you learn of the loss or theft of your Card or PIN, you can lose no more than $50 if someone used your Card or PIN without your permission. If you do NOT tell us within two business days after you learn of the loss or theft of your Card or PIN, and we can prove that we could have stopped someone from using your Card or PIN without your permission if you had told us, you could lose as much as $500. (Note: Since your Card is a Visa Card, you will not be held responsible for unauthorized transactions processed by Visa if you use care in protecting your Card and PIN and notify us immediately of any unauthorized use.) ). Also, if your statement shows transfers that you did not make, including those made by Card, PIN, PIN or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed 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 in your Account account if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.

Your Liability for Unauthorized Electronic Fund Transfers. Tell us AT ONCE if you believe your Card or PIN has been lost or stolen or funds have been transferred from your Account without your permissionstolen. Reporting such loss, theft, or unauthorized transfer by calling us at (000) 000-0000 Telephoning is the best way of keeping your possible losses down. You could lose all the money in your Account account (plus an amount up to your maximum Overdraft Protection limit). If you tell us within two business days after you learn of the loss or theft of your Card or PIN, you can lose no more than $50 if someone used your Card or PIN without your permission. (Note: If your Card is a Mastercard Card, you do NOT tell us within two business days after will not be liable for the amounts stated above if you learn of the use reasonable care in protecting your Card from loss or theft and you promptly report any loss or theft of your Card or PIN, and we can prove that we could have stopped someone from using your Card or PIN without your permission if you had told to us, you could lose as much as $500. (Note: Since If your Card is a Visa Card, you will not be held responsible liable for unauthorized transactions processed by Visa if the amounts stated above unless we determine that you use care were grossly negligent or fraudulent in protecting the handling of your Card and PIN and notify us immediately of any unauthorized useCard.) Also, if If your statement shows transfers that you did not make, including those made by Card, PIN, PIN or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed 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 in your Account if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.

Your Liability for Unauthorized Electronic Fund Transfers. Tell us AT ONCE if you believe your Card or PIN has been lost or stolen or funds have been transferred from your Account without your permissionstolen. Reporting such loss, theft, or unauthorized transfer by calling us at (000) 000-0000 Telephoning is the best way of keeping your possible losses down. You could lose all the money in your Account (plus an amount up to your maximum Overdraft Protection limit)Accounts. If you tell us within two business days after you learn of the loss or theft of your Card or PIN, you can lose no more than $50 if someone used your Card or PIN without your permission. If you do NOT tell us within two business days after you learn of the loss or theft of your Card or PIN, and we can prove that we could have stopped someone from using your Card or PIN without your permission if you had told us, you could lose as much as $500. (Note: Since Because your Card is a Visa Cardcard, you will not be held responsible liable for unauthorized transactions processed by Visa if the amounts stated above unless we determine that you use care were grossly negligent or fraudulent in protecting the handling of your Card and PIN and notify us immediately of any unauthorized use.) Also, if Card. If the statement for your statement Green Dot Account shows transfers that you did not make, including those made by Card, PIN, PIN or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed 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 in your Account if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. You will receive separate statements for your Wealthfront Cash Account. If you believe there has been unauthorized transactions involving your Wealthfront Cash Account, please follow the notification procedures stated in your agreements with Wealthfront. In addition, your rights and obligations may be different than those stated above in this section for your Wealthfront Cash Account.

Your Liability for Unauthorized Electronic Fund Transfers. Tell us AT ONCE if you believe your Card Debit Card, PIN or PIN Code has been lost or stolen stolen, or funds have if you believe that an electronic fund transfer has been transferred made without your permission (e.g., using information from your Account without your permissioncheck). Reporting such loss, theft, or unauthorized transfer by calling us at (000) 000-0000 Telephoning is the best way of keeping your possible losses down. You could lose all the money in your Account account (plus an amount up to your maximum Overdraft Protection limitoverdraft line of credit). If you tell us within two business days after you learn of the loss or theft of your Card Debit Card, PIN or PINCode, you can lose no more than $50 if someone used your Card Debit Card, PIN or PIN Code without your permission. If you do NOT tell us within two business days after you learn of the loss or theft of your Card Debit Card, PIN or PINCode, and we can prove that we could have stopped someone from using your Card Debit Card, PIN or PIN Code without your permission if you had told us, you could lose as much as $500. (Note: Since For unauthorized Debit Card transactions of individual California resident cardholders, your Card is a Visa Cardliability will continue to be limited to $50, provided you will not be held responsible for unauthorized transactions processed by Visa if you use care comply with the 60 day notification period described in protecting your Card and PIN and notify us immediately of any unauthorized use.) Also, if the prior paragraph. If your statement shows transfers that you did not make, including those made by Debit Card, PIN, Code or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed 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 in your Account if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.

Your Liability for Unauthorized Electronic Fund Transfers. Tell us AT ONCE at once if you believe your Card or PIN has been lost or stolen stolen, or funds have if you believe that an electronic fund transfer has been transferred made without your permission using information from your Account without your permissionCard or PIN. Reporting such loss, theft, or unauthorized transfer by calling Telephoning us at (000) 000-0000 is the best way of keeping your possible losses down. You could lose all the money in your Account (plus an amount up to your maximum Overdraft Protection limit)account. If you tell us within two (2) business days after you learn of the loss or theft of your Card or PIN, you can lose no more than $50 if someone used your Card or PIN without your permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your Card or PIN, and we can prove that we could have stopped someone from using your Card or PIN without your permission if you had told us, you could lose as much as $500. (Note: Since your Card is a Visa Card, you will not be held responsible for unauthorized transactions processed by Visa if you use care in protecting your Card and PIN and notify us immediately of any unauthorized use.) Also, if If your statement shows transfers that you did not make, including those made by Card, PIN, PIN or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed 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 in your Account if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. Unauthorized use does not include use by a person to whom you have given your Card and PIN code (or other access device) and you will be liable for all use by such person. Please note that you may have to settle directly with the merchant any disputes you have about goods or services you purchase through point-of-sale transactions. If a merchant misrepresents the quality, price or warranty of goods or services you pay for by using your Card, we are not responsible for any damages or liability that result from the misrepresentation.

Your Liability for Unauthorized Electronic Fund Transfers. Tell us AT ONCE if you believe your Card or PIN has been lost or stolen or funds have been transferred from your Account without your permissionstolen. Reporting such loss, theft, or unauthorized transfer by calling us at (000) 000-0000 Telephoning is the best way of keeping your possible losses down. You could lose all the money in your Account (plus an amount up to your maximum Overdraft Protection limit)account. If you tell us within two business days after you learn of the loss or theft of your Card or PIN, you can lose no more than $50 if someone used your Card or PIN without your permission. If you do NOT tell us within two business days after you learn of the loss or theft of your Card or PIN, and we can prove that we could have stopped someone from using your Card or PIN without your permission if you had told us, you could lose as much as $500. (Note: Since If your Card is a MasterCard Card, you will not be liable for the amounts stated above if: your Card is in good standing; you have not reported more than two incidents of unauthorized use in the preceding 12 months; and you have exercised reasonable care in safeguarding your Card from risk of loss or theft. If your Card is a Visa Card, you will not be held responsible liable for unauthorized transactions processed by Visa if the amounts stated above unless we determine that you use care were grossly negligent or fraudulent in protecting the handling of your Card and PIN and notify us immediately of any unauthorized useCard.) Also, if If your statement shows transfers that you did not make, including those made by Card, PIN, PIN or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed 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 in your Account if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.

Your Liability for Unauthorized Electronic Fund Transfers. Tell us AT ONCE if you believe your Card or PIN has been lost or stolen or funds have been transferred from your Account without your permission. Reporting such loss, theft, or unauthorized transfer by calling us at (000) 000-0000 is the best way of keeping your possible losses down. You could lose all the money in your Account (plus an amount up to your maximum Overdraft Protection limit)Account. If you tell us within two business days after you learn of the loss or theft of your Card or PIN, you can lose no more than $50 if someone used your Card or PIN without your permission. If you do NOT tell us within two business days after you learn of the loss or theft of your Card or PIN, and we can prove that we could have stopped someone from using your Card or PIN without your permission if you had told us, you could lose as much as $500. (Note: Since your Card is a Visa Mastercard Card, you will not be held responsible for unauthorized transactions processed by Visa Mastercard if you use care in protecting your Card and PIN and notify us immediately of any unauthorized use.) Also, if your statement shows transfers that you did not make, including those made by Card, PIN, or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed 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 in your Account if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.

Your Liability for Unauthorized Electronic Fund Transfers. Tell us AT ONCE if you believe your Debit Card or PIN has been lost or stolen stolen, or funds have if you believe that an electronic fund transfer has been transferred made without your permission (e.g., using information from your Account without your permissioncheck). Reporting such loss, theft, or unauthorized transfer by calling us at (000) 000-0000 Telephoning is the best way of keeping your possible losses down. You could lose all the money in your Account account (plus an amount up to your maximum Overdraft Protection limitoverdraft line of credit). If you tell us within two business days after you learn of the loss or theft of your Debit Card or PIN, you can lose no more than $50 if someone used your Debit Card or PIN without your permission. If you do NOT tell us within two business days after you learn of the loss or theft of your Debit Card or PIN, and we can prove that we could have stopped someone from using your Debit Card or PIN without your permission if you had told us, you could lose as much as $500. (Note: Since For unauthorized Debit Card transactions of individual California resident cardholders, your Card is a Visa Cardliability will continue to be limited to $50, provided you will not be held responsible for unauthorized transactions processed by Visa if you use care comply with the 60 day notification period described in protecting your Card and PIN and notify us immediately of any unauthorized use.) Also, if the prior paragraph. If your statement shows transfers that you did not make, including those made by Debit Card, PIN, PIN or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed 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 in your Account if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.

Your Liability for Unauthorized Electronic Fund Transfers. Tell us AT ONCE You should contact Customer Service immediately if you believe your Card Card, PIN or PIN Account number has been lost lost, stolen, or stolen compromised. See the section labeled “Customer Service” for details. Under Mastercard operating regulations, your liability for unauthorized Mastercard debit transactions on your Account is $0 if you are not grossly negligent or funds have been transferred from fraudulent in the handling of your Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Mastercard, or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. If you notify us within two (2) Business Days after you learn of any unauthorized transactions, you may lose no more than $50 if someone used your Account without your permission. Reporting such loss, theft, or unauthorized transfer by calling us at (000) 000-0000 is the best way of keeping your possible losses down. You could lose all the money in your Account (plus an amount up to your maximum Overdraft Protection limit). If you tell do not notify us within two business days (2) Business Days after you learn of the loss or theft of your Card Card, PIN or PIN, you can lose no more than $50 if someone used your Card or PIN without your permission. If you do NOT tell us within two business days after you learn of the loss or theft of your Card or PIN, Account number and we can prove that we could have stopped someone from using your Card or PIN Account without your permission if you had told promptly notified us, you could lose as much as $500. (Note: Since your Card is a Visa Card, you will not be held responsible for unauthorized transactions processed by Visa if you use care in protecting your Card and PIN and notify us immediately of any unauthorized use.) Also, if you become aware of and/or your statement shows transfers transactions that you did not make, including those made by Card, PIN, or other means, tell notify us at onceonce following the procedures stated in the section labeled “Information About Your Right to Dispute Errors”. If you do not tell notify us within 60 sixty (60) days after you become aware of the transaction(s) and/or the statement was mailed or otherwise made available to you, you may not get back any money of the value you lost after the 60 sixty (60) days if we can prove that we could have stopped someone from taking the money in your Account value if you had told notified us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will may extend the time periods. If your Card, PIN or Account number has been lost, stolen, or compromised, we will close your Card and/or Account to minimize loss and send you a replacement Card and/or Account number. If your Account number changes, and you are enrolled in direct deposit and/or ACH Debit, you should immediately notify your employer and/or any other payors or Merchants and provide them with your new Account number to ensure that your direct deposit and/or ACH Debit activity continues uninterrupted.

Your Liability for Unauthorized Electronic Fund Transfers. Tell us AT ONCE if you believe your Card or PIN has been lost or stolen or funds have been transferred from your Account without your permission. Reporting such loss, theft, or unauthorized transfer by calling us at (000) 000-0000 is the best way of keeping your possible losses down. You could lose all the money in your Account (plus an amount up to your maximum Overdraft Protection limit). If you tell us within two business days after you learn of the loss or theft of your Card or PIN, you can lose no more than $50 if someone used your Card or PIN without your permission. If you do NOT tell us within two business days after you learn of the loss or theft of your Card or PIN, and we can prove that we could have stopped someone from using your Card or PIN without your permission if you had told us, you could lose as much as $500. (Note: Since If your Card is a Mastercard, you will not be held responsible for unauthorized transactions processed by Mastercard if you have used reasonable care in protecting your Card from loss or theft and you promptly reported the loss or theft to the Bank. If your Card is a Visa Card, you will not be held responsible for unauthorized transactions processed by Visa if you use care in protecting your Card and PIN and notify us immediately of any unauthorized use.) Also, if your Account statement shows transfers that you did not make, including those made by Card, PIN, or other means, tell us at once. If you do not tell us within 60 days after the Account statement was mailed 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 in your Account if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.

Your Liability for Unauthorized Electronic Fund Transfers. Tell us AT ONCE if you believe your Card or PIN has been lost or stolen or funds have been transferred from your Account without your permissionstolen. Reporting such loss, theft, or unauthorized transfer by calling us at (000) 000-0000 Telephoning is the best way of keeping your possible losses down. You could lose all the money in your Account (plus an amount up to your maximum Overdraft Protection limit)account. If you tell us within two business days after you learn of the loss or theft of your Card or PIN, you can lose no more than $50 if someone used your Card or PIN without your permission. (Note: If your Card is a Mastercard Card, you do NOT tell us within two business days after will not be liable for the amounts stated above if you learn of the use reasonable care in protecting your Card from loss or theft and you promptly report any loss or theft of your Card or PIN, and we can prove that we could have stopped someone from using your Card or PIN without your permission if you had told to us, you could lose as much as $500. (Note: Since If your Card is a Visa Card, you will not be held responsible liable for unauthorized transactions processed by Visa the amounts stated above if you use reasonable care in protecting your Card and PIN and notify us immediately of any unauthorized use.) Also, if ). If your statement shows transfers that you did not make, including those made by Card, PIN, PIN or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed 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 in your Account account if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.

Your Liability for Unauthorized Electronic Fund Transfers. Tell us AT ONCE at once if you believe your Card or PIN has been lost or stolen stolen, or funds have if you believe that an electronic fund transfer has been transferred made without your permission using information from your Account without your permissionCard or PIN. Reporting such loss, theft, or unauthorized transfer by calling Telephoning us at (000) 000-0000 is the best way of keeping your possible losses down. You could lose all the money in your Account (plus an amount up to your maximum Overdraft Protection limit)account. If you tell us within two (2) business days after you learn of the loss or theft of your Card or PIN, you can lose no more than $50 if someone used your Card or PIN without your permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your Card or PIN, and we can prove that we could have stopped someone from using your Card or PIN without your permission if you had told us, you could lose as much as $500. (Note: Since your Card is a Visa Card, you will not be held responsible for unauthorized transactions processed by Visa if you use care in protecting your Card and PIN and notify us immediately of any unauthorized use.) Also, if If your statement shows transfers that you did not make, including those made by Card, PIN, PIN or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed 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 in your Account if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. Unauthorized use does not include use by a person to whom you have given your Card and PIN code (or other access device) and you will be liable for all use by such person. Please note that you may have to settle directly with the merchant any disputes you have about goods or services you purchase through point-of-sale transactions. If a merchant misrepresents the quality, price or warranty of goods or services you pay for by using your Card, we are not responsible for any damages or liability that result from the misrepresentation. How to Stop Preauthorized Transfers from Your Account If you have told us in advance to make regular payments out of your account, you can stop any of these payments by writing to us at CIT Bank, P.O. Box 7056, Pasadena, CA 00000-0000 or by calling us at 000-000-0000. We must receive your request at least three (3) business days before the payment is scheduled to be made. Please note that if you fail to give us your request at least three (3) business days prior to a transfer, we may attempt, at our sole discretion, to stop the payment. We assume no responsibility for our failure or refusal to do so, however, even if we accept the request for processing. If you call, we may require you to put your request to us in writing and to provide us with a copy of your notice WR WKH SD\HH UHYRNLQJ WKH SDy\ouHr Hac¶coVun t, DwiXthiWn 1K4RdaUysLaWfte\r yoWu cRal l. IRf ULJLQ we do not receive the written confirmation within 14 days, we may honor subsequent debits to your account. For individual payments, your request should specify the exact amount (dollars and cents) of the transfer you want to stop, the date of the transfer and the identity of the payee. Unless you tell us that all future transfers to a specific recipient are to be stopped, we may treat your stop payment order as a request concerning the one transfer only. If you order us to stop one of these payments at least three (3) business days before the transfer is scheduled and we do not do so, we will be liable for your losses or damages, proximately caused by our failure to stop payment, not to exceed the amount of the transfer. Lost or Stolen Card/PIN or Unauthorized Transaction If you believe your Card or PIN has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call us at the number or write us at the address described in the preceding section. In Case of Errors or Questions about Your Electronic Transfers Call us at the number or write us at the address described above as soon as you can if you think your statement or receipt is wrong or if you need more information about an electronic transaction. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.

Your Liability for Unauthorized Electronic Fund Transfers. Tell us AT ONCE if you believe your Card or PIN has been lost or stolen stolen, or funds have if you believe that an electronic fund transfer has been transferred made without your permission using information from your Account without your permissioncheck. Reporting such loss, theft, or unauthorized transfer by calling Calling us at (000) 000-0000 is the best way of keeping your possible losses down. You could lose all the money in your Account account (plus an amount up to your maximum Overdraft Protection limit)overdraft line of credit. If you tell us within two 2 business days after you learn of the loss or theft of your Card or PIN, you can lose no more than $50 if someone used your Card or PIN without your permission. If you do NOT tell us within two 2 business days after you learn of the loss or theft of your Card or PIN, and we can prove that we could have stopped someone from using your Card or PIN without your permission if you had told us, you could lose as much as $500. (Note: Since your Card is a Visa Card, you will not be held responsible for unauthorized transactions processed by Visa if you use care in protecting your Card and PIN and notify us immediately of any unauthorized use.) Also, if your statement shows transfers that you did not make, including those made by Cardcard, PIN, code or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed 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 in your Account if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If you are a California resident, you will not be liable for the $500 amount described, above. Special Rules for VISA® Check Card and Plus Transactions. For VISA® Check Card and Plus transactions, special lower liability limits apply for consumer accounts. In a transaction where your VISA® Check Card is processed through a system other than a VISA® system, your liability for unauthorized use will not exceed $50. This special $50 liability limit will not apply if you do not tell us within 60 days after your statement was made available or mailed to you. In that case, 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. For transactions processed through the VISA® system or for transactions processed through Plus, you will have no liability for unauthorized transactions (that is, your liability will not exceed zero dollars) if you report the unauthorized transaction to us as described, above. This special zero liability limit will not apply if we determine that you were negligent or fraudulent in the handling of your account or your VISA® Check Card. If you notify us of a loss of funds due to an unauthorized transaction that was processed through VISA® or Plus using your VISA® Check Card, we will give you provisional credit of the money within five business days of your notice to us. We may require written confirmation from you before providing provisional credit, to the extent allowed under applicable law or governing rule. For certain prepaid card transactions not processed through VISA® or Plus using your VISA® check card, we may take up to ten business days to provide you with provisional credit and up to twenty business days if your account is considered a new account. Please see the Electronic Fund Transfer Disclosure section of your Account Agreement for details. If the conditions set forth above have not been met, you may be liable for unauthorized transactions to the extent allowed under the above provisions of this section on Your Liability for Unauthorized Electronic Fund Transfers, or if applicable law imposes a greater liability or a conflicting obligation, such applicable law shall govern. This Visa® Zero Liability Limitation for Debit Cards paragraph does not apply to ATM Cards.