Common use of YOUR LIABILITY FOR UNAUTHORIZED ELECTRONIC FUNDS TRANSFERS Clause in Contracts

YOUR LIABILITY FOR UNAUTHORIZED ELECTRONIC FUNDS TRANSFERS. TELL US AT ONCE if you believe your Card, PIN or any other Access Device has been lost or stolen or used without your permission, that someone has transferred or may transfer money from your Account without your permission, or if you think your PIN or Password is no longer secure or confidential. Telephoning us at 000-000-0000 is the best and fastest way of keeping your possible losses down. You could lose all your money in your Account. If you notify us within two (2) Business Days after you learn of the loss or theft of your Card, PIN or other Access Device, you can lose no more than $50.00 if someone used your Card, PIN or other Access Device without your permission. If you do NOT notify us within two (2) Business Days after you learn of the loss or theft of your Card, PIN or other Access Device and we can prove that we could have stopped the unauthorized transaction if you had promptly notified us, you could lose as much as $500.00. If your Card, PIN or other Access Device has been lost or stolen, we will deactivate your Card or other Access Device, as applicable, and issue you a new one to keep losses down. Also, if you become aware of and/or your electronic history shows transactions that you did not make, including those made by your Card or other means, TELL US AT ONCE following the procedures stated in the section labeled“In Case of Errors or Questions about Your Electronic Funds Transfers”appearing above. If you do not tell us within sixty (60) days after the date we sent (or delivered through the OAC) the FIRST Account statement on which the unauthorized transfer appeared, you may not get back any money you lost after the sixty (60) days if we can prove that we could have prevented the unauthorized transaction(s) if you had notified us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, let us know. We may extend the time periods. You agree that you will not reveal your PIN, Password or any other Access Device to any other person; not write your PIN or Password on your Card or on any item kept with your Access Devices; and not leave a computer terminal unattended after you have logged in using your Password or other Access Device. If you were issued a Card bearing the Visa® acceptance xxxx, your liability for unauthorized transaction(s) is $0.00 if you were not grossly negligent or fraudulent in the handling of your Card, except that this reduced liability does not apply to debit transactions not processed by Visa or to foreign ATM Cash Withdrawal transactions. You must notify us immediately of any unauthorized use. If you were issued a Card bearing the Mastercard® acceptance xxxx, your liability for unauthorized transaction(s) will be $0.00 if you notified us promptly upon becoming aware of the lost or theft of your Card and you exercised reasonable care in safeguarding your Card from loss, theft, or unauthorized use, except that this reduced liability does not apply to debit transactions not processed by Mastercard. You must notify us immediately of any unauthorized use. If you were issued a Card bearing the VISA® acceptance xxxx, procedures are in effect that wilI result in transactions being processed as either a Visa debit transaction or a PULSE transaction if you do not enter a PIN. Merchants are responsible for and must provide you with a clear way of choosing to make a Visa debit transaction if they support the option. Please be advised that, should you choose to use the PULSE network when making a transaction without a PIN, different terms may apply. Certain protections and rights applicable ONLY to Visa debit transactions as described in this Agreement will NOT apply to transactions processed on the PULSE network. Please refer to the section labeled“Your Liability for Unauthorized Electronic Funds Transfers”for a description of these rights and protections applicable to Visa debit and non‐Visa debit transactions. To initiate a Visa debit transaction at the POS, use your Card through a POS terminal, sign the receipt, or provide your Card number for a mail order, telephone, or internet purchase. To initiate a non‐Visa debit transaction at the POS, enter your PIN at the POS terminal or provide your Card number after clearly indicating a preference to route your transaction as a non‐Visa debit transaction for certain xxxx payment, mail order, telephone, or internet purchases.

YOUR LIABILITY FOR UNAUTHORIZED ELECTRONIC FUNDS TRANSFERS. TELL US Tell us AT ONCE if you believe your Card, PIN Password or any other Access Device means to access your account has been lost lost, stolen, or stolen otherwise compromised, or used without your permission, that someone has transferred or may transfer money from your Account account without your permission, or if you think your PIN or Password is no longer secure or confidential. Telephoning us at 000-000-0000 is the best and fastest way of keeping limiting your possible losses downlosses. You could lose all your the money in your Accountaccounts. You agree to review promptly all statements, customer notices, and transaction information made available to you, and to report all unauthorized transactions and errors to us immediately. You agree that we may process payment and transfer instructions that are submitted with correct online log in information, and agree that such instructions will be deemed effective as if you, even if they are not transmitted or authorized by you. Personal Accounts Only: Tell us AT ONCE if you believe your password or other means to access your account as been lost or stolen. Telephoning is the best way of limiting your possible losses. You could lose all the money in your account. If you notify tell us within two (2) Business Days after you discover your password or other means to access your account has been lost or stolen, your liability is no more than $50.00 should someone access your account without your permission. If you do not tell us within two (2) Business Days after you learn of the such loss or theft of your Cardtheft, PIN or other Access Device, you can lose no more than $50.00 if someone used your Card, PIN or other Access Device without your permission. If you do NOT notify us within two (2) Business Days after you learn of the loss or theft of your Card, PIN or other Access Device and we can prove that we could have stopped prevented the unauthorized transaction use of your password or other means to access your account if you had promptly notified told us, you could lose be liable for as much as $500.00. If your Card, PIN or other Access Device has been lost or stolen, we will deactivate your Card or other Access Device, as applicable, and issue you a new one to keep losses down. Also, if you become aware of and/or your electronic history shows transactions monthly Bank statement contains transfers that you did not makeauthorize, including those made by your Card or other means, TELL US AT ONCE following the procedures stated in the section labeled“In Case of Errors or Questions about Your Electronic Funds Transfers”appearing aboveyou must tell us at once. If you do not tell us within sixty (60) days after the date we statement was sent (or delivered through the OAC) the FIRST Account statement on which the unauthorized transfer appearedto you, you may not get back lose any money you lost amount transferred without your authorization after the sixty (60) days if we can prove that we could have prevented stopped someone from taking the unauthorized transaction(s) if money had you had notified told us in time. If a good reason (such as a long trip or a hospital stay) kept prevented you from telling us, let us know. We we may extend the time periodsperiod. You agree that you will not reveal your PIN, Password or any other Access Device to any other person; not write your PIN or Password Business Accounts Only: The limitations on your Card or on any item kept with your Access Devices; and not leave a computer terminal unattended after you have logged in using your Password or other Access Device. If you were issued a Card bearing the Visa® acceptance xxxx, your customer liability for unauthorized transaction(s) is $0.00 if you were not grossly negligent or fraudulent set forth in the handling of your Card, except that this reduced liability does preceding paragraph do not apply to debit accounts held by businesses. Business customers agree to review promptly all statements, customer notices, and transaction information made available to them, and to report all unauthorized transactions not processed by Visa or and errors to foreign ATM Cash Withdrawal transactionsus immediately. You must notify us immediately of any unauthorized use. If you were issued a Card bearing Business customers agree that we may process payment and transfer instructions that are submitted with the Mastercard® acceptance xxxxcorrect online log in information, your liability for unauthorized transaction(s) and agree that such instructions will be $0.00 deemed effective as if made by them, even if they are not transmitted or authorized by the customer. In Case of Errors And Questions Personal Accounts Only: Telephone us at 000-000-0000 or 000-000-0000 or write to us at Bank & Trust Company, P.O. Box 410, Litchfield IL 62056 as soon as you can if you notified us promptly upon becoming aware of the lost think your statement is incorrect or theft of your Card and you exercised reasonable care in safeguarding your Card from loss, theft, or unauthorized use, except that this reduced liability does not apply to debit transactions not processed by Mastercard. You must notify us immediately of any unauthorized use. If you were issued need more information about a Card bearing the VISA® acceptance xxxx, procedures are in effect that wilI result in transactions being processed as either a Visa debit Service transaction or a PULSE transaction if you do not enter a PIN. Merchants are responsible for and must provide you with a clear way of choosing to make a Visa debit transaction if they support the option. Please be advised that, should you choose to use the PULSE network when making a transaction without a PIN, different terms may apply. Certain protections and rights applicable ONLY to Visa debit transactions as described in this Agreement will NOT apply to transactions processed listed on the PULSE networkstatement. Please refer We must hear from you no later than sixty (60) days after the FIRST statement was sent to you on which the section labeled“Your Liability for Unauthorized Electronic Funds Transfers”for a description of these rights and protections applicable to Visa debit and non‐Visa debit transactionsproblem or error appears. To initiate a Visa debit transaction at the POS, use your Card through a POS terminal, sign the receipt, or provide your Card number for a mail order, telephone, or internet purchase. To initiate a non‐Visa debit transaction at the POS, enter your PIN at the POS terminal or provide your Card number after clearly indicating a preference to route your transaction as a non‐Visa debit transaction for certain xxxx payment, mail order, telephone, or internet purchases.We need:

YOUR LIABILITY FOR UNAUTHORIZED ELECTRONIC FUNDS TRANSFERS. TELL US AT ONCE if you believe your Card, PIN or any other Access Device has been lost or stolen or used without your permission, that someone has transferred or may transfer money from your Account without your permission, or if you think your PIN or Password is no longer secure or confidential. Telephoning us at 0-000-000-0000 is the best and fastest way of keeping your possible losses down. You could lose all your money in your Account. If you notify us within two (2) Business Days after you learn of the loss or theft of your Card, PIN or other Access Device, you can lose no more than $50.00 if someone used your Card, PIN or other Access Device without your permission. If you do NOT notify us within two (2) Business Days after you learn of the loss or theft of your Card, PIN or other Access Device and we can prove that we could have stopped the unauthorized transaction if you had promptly notified us, you could lose as much as $500.00. If your Card, PIN or other Access Device has been lost or stolen, we will deactivate your Card or other Access Device, as applicable, and issue you a new one to keep losses down. Also, if you become aware of and/or your electronic history shows transactions that you did not make, including those made by your Card or other means, TELL US AT ONCE following the procedures stated in the section labeled“In labeled “In Case of Errors or Questions about Your Electronic Funds Transfers”appearing Transfers” appearing above. If you do not tell us within sixty (60) days after the date we sent (or delivered through the OAC) the FIRST Account statement on which the unauthorized transfer appeared, you may not get back any money you lost after the sixty (60) days if we can prove that we could have prevented the unauthorized transaction(s) if you had notified us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, let us know. We may extend the time periods. You agree that you will not reveal your PIN, Password or any other Access Device to any other person; not write your PIN or Password on your Card or on any item kept with your Access Devices; and not leave a computer terminal unattended after you have logged in using your Password or other Access Device. If you were issued a Card bearing the Visa® acceptance xxxx, your liability for unauthorized transaction(s) is $0.00 if you were not grossly negligent or fraudulent in the handling of your Card, except that this reduced liability does not apply to debit transactions not processed by Visa or to foreign ATM Cash Withdrawal transactions. You must notify us immediately of any unauthorized use. If you were issued a Card bearing the Mastercard® acceptance xxxx, your liability for unauthorized transaction(s) will be $0.00 if you notified us promptly upon becoming aware of the lost or theft of your Card and you exercised reasonable care in safeguarding your Card from loss, theft, or unauthorized use, except that this reduced liability does not apply to debit transactions not processed by Mastercard. You must notify us immediately of any unauthorized use. If you were issued a Card bearing the VISA® acceptance xxxx, procedures are in effect that wilI result in transactions being processed as either a Visa debit transaction or a PULSE transaction if you do not enter a PIN. Merchants are responsible for and must provide you with a clear way of choosing to make a Visa debit transaction if they support the option. Please be advised that, should you choose to use the PULSE network when making a transaction without a PIN, different terms may apply. Certain protections and rights applicable ONLY to Visa debit transactions as described in this Agreement will NOT apply to transactions processed on the PULSE network. Please refer to the section labeled“Your Liability for Unauthorized Electronic Funds Transfers”for a description of these rights and protections applicable to Visa debit and non‐Visa debit transactions. To initiate a Visa debit transaction at the POS, use your Card through a POS terminal, sign the receipt, or provide your Card number for a mail order, telephone, or internet purchase. To initiate a non‐Visa debit transaction at the POS, enter your PIN at the POS terminal or provide your Card number after clearly indicating a preference to route your transaction as a non‐Visa debit transaction for certain xxxx payment, mail order, telephone, or internet purchases.

YOUR LIABILITY FOR UNAUTHORIZED ELECTRONIC FUNDS TRANSFERS. TELL US Tell us AT ONCE if you believe your Card, PIN Password or any other Access Device means to access your account has been lost lost, stolen, or stolen otherwise compromised, or used without your permission, that someone has transferred or may transfer money from your Account account without your permission, or if you think your PIN or Password is no longer secure or confidential. Telephoning us at 000-000-0000 is the best and fastest way of keeping limiting your possible losses downlosses. You could lose all your the money in your Accountaccounts. You agree to review promptly all statements, customer notices, and transaction information made available to you, and to report all unauthorized transactions and errors to us immediately. You agree that we may process payment and transfer instructions that are submitted with correct online log in information, and agree that such instructions will be deemed effective as if you, even if they are not transmitted or authorized by you. Personal Accounts Only: Tell us AT ONCE if you believe your password or other means to access your account as been lost or stolen. Telephoning is the best way of limiting your possible losses. You could lose all the money in your account. If you notify tell us within two (2) Business Days after you discover your password or other means to access your account has been lost or stolen, your liability is no more than $50.00 should someone access your account without your permission. If you do not tell us within two (2) Business Days after you learn of the such loss or theft of your Cardtheft, PIN or other Access Device, you can lose no more than $50.00 if someone used your Card, PIN or other Access Device without your permission. If you do NOT notify us within two (2) Business Days after you learn of the loss or theft of your Card, PIN or other Access Device and we can prove that we could have stopped prevented the unauthorized transaction use of your password or other means to access your account if you had promptly notified told us, you could lose be liable for as much as $500.00. If your Card, PIN or other Access Device has been lost or stolen, we will deactivate your Card or other Access Device, as applicable, and issue you a new one to keep losses down. Also, if you become aware of and/or your electronic history shows transactions monthly Bank statement contains transfers that you did not makeauthorize, including those made by your Card or other means, TELL US AT ONCE following the procedures stated in the section labeled“In Case of Errors or Questions about Your Electronic Funds Transfers”appearing aboveyou must tell us at once. If you do not tell us within sixty (60) days after the date we statement was sent (or delivered through the OAC) the FIRST Account statement on which the unauthorized transfer appearedto you, you may not get back lose any money you lost amount transferred without your authorization after the sixty (60) days if we can prove that we could have prevented stopped someone from taking the unauthorized transaction(s) if money had you had notified told us in time. If a good reason (such as a long trip or a hospital stay) kept prevented you from telling us, let us know. We we may extend the time periodsperiod. You agree that you will not reveal your PIN, Password or any other Access Device to any other person; not write your PIN or Password Business Accounts Only: The limitations on your Card or on any item kept with your Access Devices; and not leave a computer terminal unattended after you have logged in using your Password or other Access Device. If you were issued a Card bearing the Visa® acceptance xxxx, your customer liability for unauthorized transaction(s) is $0.00 if you were not grossly negligent or fraudulent set forth in the handling of your Card, except that this reduced liability does preceding paragraph do not apply to debit accounts held by businesses. Business customers agree to review promptly all statements, customer notices, and transaction information made available to them, and to report all unauthorized transactions not processed by Visa or and errors to foreign ATM Cash Withdrawal transactionsus immediately. You must notify us immediately of any unauthorized use. If you were issued a Card bearing Business customers agree that we may process payment and transfer instructions that are submitted with the Mastercard® acceptance xxxxcorrect online log in information, your liability for unauthorized transaction(s) and agree that such instructions will be $0.00 deemed effective as if made by them, even if they are not transmitted or authorized by the customer. In Case Of Errors And Questions Personal Accounts Only: Telephone us at 000-000-0000 or 000-000-0000 or write to us at Bank & Trust Company, P.O. Box 410, Litchfield IL 62056 as soon as you can if you notified us promptly upon becoming aware of the lost think your statement is incorrect or theft of your Card and you exercised reasonable care in safeguarding your Card from loss, theft, or unauthorized use, except that this reduced liability does not apply to debit transactions not processed by Mastercard. You must notify us immediately of any unauthorized use. If you were issued need more information about a Card bearing the VISA® acceptance xxxx, procedures are in effect that wilI result in transactions being processed as either a Visa debit Service transaction or a PULSE transaction if you do not enter a PIN. Merchants are responsible for and must provide you with a clear way of choosing to make a Visa debit transaction if they support the option. Please be advised that, should you choose to use the PULSE network when making a transaction without a PIN, different terms may apply. Certain protections and rights applicable ONLY to Visa debit transactions as described in this Agreement will NOT apply to transactions processed listed on the PULSE networkstatement. Please refer We must hear from you no later than sixty (60) days after the FIRST statement was sent to you on which the section labeled“Your Liability for Unauthorized Electronic Funds Transfers”for a description of these rights and protections applicable to Visa debit and non‐Visa debit transactionsproblem or error appears. To initiate a Visa debit transaction at the POS, use your Card through a POS terminal, sign the receipt, or provide your Card number for a mail order, telephone, or internet purchase. To initiate a non‐Visa debit transaction at the POS, enter your PIN at the POS terminal or provide your Card number after clearly indicating a preference to route your transaction as a non‐Visa debit transaction for certain xxxx payment, mail order, telephone, or internet purchases.We need: