Common use of Your Liability for Unauthorized Transactions and Advisability of Prompt Reporting Clause in Contracts

Your Liability for Unauthorized Transactions and Advisability of Prompt Reporting. You are responsible for all transfers you authorize using the electronic services described in this Agreement. If you permit other persons to use your Card, PIN(s), and/or Access Code, you are responsible for any transactions that person authorizes or conducts on any of your accounts, even if that person exceeds your authority. However, you must tell us AT ONCE if you believe your Card, PIN(s), and/or Access Code have been lost or stolen or if you believe that an EFT has been made without your permission using information from your check. Telephoning is the best way of minimizing your possible losses. A written notification to us should follow your telephone call. You could lose all the money in your account (plus your maximum overdraft Personal Line of Credit, if you have one). However, if you believe your Card, PIN(s), and/or Access Code have been lost or stolen, and you tell us within two (2) business days after you learn of the loss or theft, you can lose no more than $50 if someone used your Card, PIN(s), and/or Access Code to access your account 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, PIN(s), and/or Access Code and we can prove we could have stopped someone from using your Card, PIN(s), and/or Access Code without your permission if you had told us, you could lose as much as $500. Also, if your statement shows transfers that you did not make, including those made by Card, PIN or other means, you must tell us at once. If you do NOT tell us within sixty (60) days after the statement was mailed or delivered to you, you may not get back 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. If you can document that a good reason (such as a long trip or hospital stay) kept you from telling us, we will review your case and may extend the time period. If you are using a Debit Card for transactions that take place on the Visa network system, Visa rules provide for zero liability for unauthorized transactions under certain conditions. This does not apply to transactions that are not processed through the Visa network. These exceptions do not apply to transactions originating from your gross negligence and/or fraudulent use of your Debit Card.

Your Liability for Unauthorized Transactions and Advisability of Prompt Reporting. You are responsible for all transfers you authorize using the electronic services described in this Agreement. If you permit other persons to use your Visa Debit Card, PIN(s), and/or Access Codeor PIN, you are responsible for any transactions that person authorizes or conducts on any of your accounts, even if that person exceeds your authority. However, you must tell us AT ONCE if you believe your Visa Debit Card, or your Visa Debit Card PIN or eBranch PIN (collectively “Card(s) and/or PIN(s), and/or Access Code ”) have been lost or stolen or if you believe that an EFT has been made without your permission using information from your check. Telephoning is the best way of minimizing keeping your possible losseslosses down. A written notification to us should follow your telephone call. You could lose all the money in your account (plus your maximum overdraft Personal Line line of Creditcredit, if you have one). However, if you believe your Card, Card(s) and/or PIN(s), and/or Access Code ) have been lost or stolen, and you tell us within two (2) business days after you learn of the loss or theft, you can lose no more than $50 if someone used your Card, Card(s) and/or PIN(s), and/or Access Code ) to access your account 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, Card(s) and/or PIN(s), and/or Access Code ) and we can prove we could have stopped someone from using your Card, Card(s) and/or PIN(s), and/or Access Code ) without your permission if you had told us, you could lose as much as $500. Also, if your statement shows transfers that you did not make, including those made by Card, PIN or other means, you must tell us at once. If you do NOT tell us within sixty (60) days after the statement was mailed or delivered to you, you may not get back 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. If you can document that a good reason (such as a long trip or hospital stay) kept you from telling us, we will review your case and may extend the time period. If you are using a Debit Card for transactions that take place on the Visa network system, Visa rules provide for zero liability for unauthorized transactions under certain conditions. This does not apply to transactions that are not processed through the Visa network. These exceptions do not apply to transactions originating from your gross negligence and/or fraudulent use of your Debit Card.

Your Liability for Unauthorized Transactions and Advisability of Prompt Reporting. You are responsible for all transfers you authorize using the electronic services described in this Account Agreement. If you permit other persons to use your Card, PIN(s), and/or Access Code, you are responsible for any transactions that person authorizes or conducts on any of your accounts, even if that person exceeds your authority. However, you must tell us AT ONCE if you believe your Card, PIN(s), and/or Access Code have been lost or stolen or if you believe that an EFT has been made without your permission using information from your check. Telephoning is the best way of minimizing your possible losses. A written notification to us should follow your followyour telephone call. You could lose all loseall the money in your account (plus your maximum overdraft Personal Line personal line of Creditcredit, if you have one). However, if you believe your Card, PIN(s), and/or Access Code have been lost or stolen, and you tell us within two (2) business days after you learn of the loss or theft, you can lose no more than $50 if someone used your Card, PIN(s), and/or Access Code to access your account 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, PIN(s), and/or Access Code and we can prove we could have stopped someone from using your Card, PIN(s), and/or Access Code without your permission if you had told us, you could lose as much as $500. Also, if your statement shows transfers that you did not make, including those made by Card, PIN or other means, you must tell us at once. If you do NOT tell us within sixty (60) days after the statement was mailed or delivered to you, you may not get back any money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking fromtaking the money if you had told us in time. If you can document that a good reason (such as a long trip or hospital stay) kept you from telling fromtelling us, we will review your case and may extend the time period. If you are using a MasterCard Debit Card for transactions that take place on placeonthe MasterCardnetworksystem, the Visa network system, Visa rules MasterCardOperating Rules and Regulations provide for zero liability for unauthorized transactions under certain conditions. You will be protected for MasterCard Debit Card transactions processed through the MasterCard network. This does not apply to transactions that are not processed through the Visa MasterCard network. These exceptions do not apply to transactions originating from your gross fromyour negligence and/or fraudulent use of your Debit Card.

Your Liability for Unauthorized Transactions and Advisability of Prompt Reporting. You are responsible for all transfers you authorize using the electronic services described in this Agreement. If you permit other persons to use your LAPFCU Debit Card (“Card, PIN(s”), and/or Access Codeor your PIN for any electronic service, you are responsible for any transactions that person authorizes or conducts on any of your accounts, even if that person exceeds your authority. However, you must tell us AT ONCE if you believe your Card, PIN(s), Card and/or Access Code PIN for any electronic service have been lost or stolen or if you believe that an EFT has been made without your permission using information from your check. Telephoning is the best way of minimizing keeping your possible losseslosses down. A written notification to us should follow your telephone call. You could lose all the money in your account (plus your maximum overdraft Personal personal Unsecured Line of Credit, if you have one, and/or the funds in a linked account pursuant to the Overdraft Transfer Service, if you are enrolled in this service). However, if you believe your Card, PIN(s), Card and/or Access Code PIN have been lost or stolen, and you tell us within two (2) business days after you learn of the loss or theft, you can lose no more than $50 if someone used your Card, PIN(s), Card and/or Access Code PIN to access your account 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, PIN(s), Card and/or Access Code PIN and we can prove we could have stopped someone from using your Card, PIN(s), Card and/or Access Code PIN without your permission if you had told us, you could lose as much as $500. Also, if your statement shows transfers that you did not make, including those made by Card, PIN or other means, you must tell us at once. If you do NOT tell us within sixty (60) days after the statement was mailed or delivered to you, you may not get back 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. If you can document that a good reason (such as a long trip or hospital stay) kept you from telling us, we will review your case and may extend the time period. If you are using a Debit Card for transactions that take place on the Visa network system, Visa rules provide for zero liability for unauthorized transactions under certain conditions. This does not apply to transactions that are not processed through the Visa network. These exceptions do not apply to transactions originating from your gross negligence and/or fraudulent use of your Debit Card.

Your Liability for Unauthorized Transactions and Advisability of Prompt Reporting. You are responsible for all transfers you authorize using the electronic services described in this Agreement. If you permit other persons to use your Debit Card, PIN(s), and/or Access Codeor PIN, you are responsible for any transactions that person authorizes or conducts on any of your accounts, even if that person exceeds your authority. However, you must tell us AT ONCE if you believe your Debit Card, or your Debit Card PIN, TouchTel-24 PIN, or online banking PIN (collectively “Card(s) and/or PIN(s), and/or Access Code ”) have been lost or stolen or if you believe that an EFT has been made without your permission using information from your check. Telephoning is the best way of minimizing keeping your possible losseslosses down. A written notification to us signed by you should follow your telephone call. You could lose all the money in your account (plus your maximum overdraft Personal Line line of Creditcredit, if you have one). However, if you believe your Card, Card(s) and/or PIN(s), and/or Access Code ) have been lost or stolen, and you tell us within two (2) business days after you learn of the loss or theft, you can lose no more than $50 if it is determined that someone used your Card, Card(s) and/or PIN(s), and/or Access Code ) to access your account 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, Card(s) and/or PIN(s), and/or Access Code ) and we can prove we could have stopped someone from using your Card, Card(s) and/or PIN(s), and/or Access Code ) without your permission if you had told promptly informed us, you could lose as much as $500. Also, if your statement shows transfers that you did not make, including those made by Card, PIN or other means, you must tell us at once. If you do NOT tell us within sixty (60) days after the statement was mailed or delivered to you, you may not get back 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 informed us in time. If you can document that a good reason (such as a long trip or hospital staystay or other extenuating circumstance) kept you from telling us, we will review your case and may extend the time period. If you are using a Debit Card for transactions that take place on the Visa network system, Visa rules provide for zero liability for unauthorized transactions under certain conditions. This does not apply to transactions that are not processed through the Visa network. These exceptions do not apply to transactions originating from your gross negligence and/or fraudulent use of your Debit Card.

Your Liability for Unauthorized Transactions and Advisability of Prompt Reporting. You are responsible for all transfers you authorize using the electronic services described in this Agreement. If you permit other persons to use your Card, PIN(s), and/or Access Code, you are responsible for any transactions that person authorizes or conducts on any of your accounts, even if that person exceeds your authority. However, you must tell us AT ONCE if you believe your Card, PIN(s), and/or and/ or Access Code have been lost or stolen or if you believe that an EFT has been made without your permission using information from your check. Telephoning is the best way of minimizing your possible losses. A written notification to us should follow your telephone call. You could lose all the money in your account (plus your maximum overdraft Personal Line of Credit, if you have one). However, if you believe your Card, PIN(s), and/or Access Code have been lost or stolen, and you tell us within two (2) business days after you learn of the loss or theft, you can lose no more than $50 if someone used your Card, PIN(s), and/or Access Code to access your account 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, PIN(s), and/or Access Code and we can prove we could have stopped someone from using your Card, PIN(s), and/or Access Code without your permission if you had told us, you could lose as much as $500. Also, if your statement shows transfers that you did not make, including those made by Card, PIN or other means, you must tell us at once. If you do NOT tell us within sixty (60) days after the statement was mailed or delivered to you, you may not get back 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. If you can document that a good reason (such as a long trip or hospital stay) kept you from telling us, we will review your case and may extend the time period. If you are using a Debit Kinecta Check Card for transactions that take place on the Visa or MasterCard network system, Visa rules and MasterCard Operating Rules and Regulations provide for zero liability for unauthorized transactions under certain conditions. This does not apply to transactions that As a Visa or MasterCard cardholder, you are not processed through protected under the Visa network. These exceptions do not apply to or MasterCard Zero Liability policy for unauthorized transactions originating from your gross negligence and/or fraudulent use of your Debit Card.and they could be transactions made in stores, over the telephone, or on the internet if the following five conditions are met:

Your Liability for Unauthorized Transactions and Advisability of Prompt Reporting. You are responsible for all transfers you authorize using the electronic services described in this Agreement. If you permit other persons to use your LAPFCU Debit Card (“Card, PIN(s”), and/or Access Codeor your PIN for any electronic service, you are responsible for any transactions that person authorizes or conducts on any of your accounts, even if that person exceeds your authority. However, you must tell us AT ONCE if you believe your Card, PIN(s), Card and/or Access Code PIN for any electronic service have been lost or stolen or if you believe that an EFT has been made without your permission using information from your check. Telephoning is the best way of minimizing keeping your possible losseslosses down. A written notification to us should follow your telephone call. You could lose all the money in your account (plus your maximum overdraft Personal personal Unsecured Line of Credit, if you have one, and/or the funds in a linked account pursuant to the Overdraft Transfer Service if you are enrolled in this service). However, if you believe your Card, PIN(s), Card and/or Access Code PIN have been lost or stolen, and you tell us within two (2) business days after you learn of the loss or theft, you can lose no more than $50 if someone used your Card, PIN(s), Card and/or Access Code PIN to access your account 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, PIN(s), Card and/or Access Code PIN and we can prove we could have stopped someone from using your Card, PIN(s), Card and/or Access Code PIN without your permission if you had told us, you could lose as much as $500. Also, if your statement shows transfers that you did not make, including those made by Card, PIN or other means, you must tell us at once. If you do NOT tell us within sixty (60) days after the statement was mailed or delivered to you, you may not get back 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. If you can document that a good reason (such as a long trip or hospital stay) kept you from telling us, we will review your case and may extend the time period. If you are using a Debit Card for transactions that take place on the Visa network system, Visa rules provide for zero liability for unauthorized transactions under certain conditions. This does not apply to transactions that are not processed through the Visa network. These exceptions do not apply to transactions originating from your gross negligence and/or fraudulent use of your Debit Card.

Your Liability for Unauthorized Transactions and Advisability of Prompt Reporting. You are responsible for all transfers you authorize using the electronic services described in this Agreement. If you permit other persons to use your Card, PIN(s), and/or Access Code, you are responsible for any transactions that person authorizes or conducts on any of your accounts, even if that person exceeds your authority. However, you must tell us AT ONCE if you believe your ATM Card, Visa Debit Card, or your ATM Card PIN, Visa Debit Card PIN, “CU Hear” Audio Response Service PIN, or Online Banking PIN (collectively “Card(s) and/or PIN(s), and/or Access Code ”) have been lost or stolen or if you believe that an EFT electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of minimizing keeping your possible losseslosses down. A written notification to us should follow your telephone call. You could lose all the money in your account (plus your maximum overdraft Personal Line line of Creditcredit, if you have one). However, if you believe your Card, Card(s) and/or PIN(s), and/or Access Code ) have been lost or stolen, and you tell us within two (2) business days after you learn of the loss or theft, you can lose no more than $50 if someone used your Card, Card(s) and/or PIN(s), and/or Access Code to access your account ) 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, Card(s) and/or PIN(s), and/or Access Code ) and we can prove we could have stopped someone from using your Card, Card(s) and/or PIN(s), and/or Access Code ) without your permission if you had told us, you could lose as much as $500. Also, if your statement shows transfers that you did not make, including those made by Card, PIN or other means, you must tell us at once. If you do NOT tell us within sixty (60) days after the statement was mailed or delivered to you, you may not get back 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. If you can document that a good reason (such as a long trip or hospital stay) kept you from telling us, we will review your case and may extend the time period. If you have authorized someone else to use your Card(s) and/or PINs, you are using a Debit Card responsible for all transactions that take place on person or person initiates at any time, even if the Visa network system, Visa rules provide for zero liability for unauthorized amount or transactions under certain conditions. This does not apply to transactions that are not processed through the Visa network. These exceptions do not apply to transactions originating from your gross negligence and/or fraudulent use of your Debit Cardexceed what you may have authorized.

Your Liability for Unauthorized Transactions and Advisability of Prompt Reporting. You are responsible for all transfers you authorize using the electronic services described in this Account Agreement. If you permit other persons to use your Card, PIN(s), and/or Access Code, you are responsible for any transactions that person authorizes or conducts on any of your accounts, even if that person exceeds your authority. However, you must tell us AT ONCE if you believe your Card, PIN(s), and/or Access Code have been lost or stolen or if you believe that an EFT has been made without your permission using information from your check. Telephoning is the best way of minimizing your possible losses. A written notification to us should follow your followyour telephone call. You could lose all loseall the money in your account (plus your maximum overdraft Personal Line personal line of Creditcredit, if you have one). However, if you believe your Card, PIN(s), and/or Access Code have been lost or stolen, and you tell us within two (2) business days after you learn of the loss or theft, you can lose no more than $50 if someone used your Card, PIN(s), and/or Access Code to access your account 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, PIN(s), and/or Access Code and we can prove we could have stopped someone from using your Card, PIN(s), and/or Access Code without your permission if you had told us, you could lose as much as $500. Also, if your statement shows transfers that you did not make, including those made by Card, PIN or other means, you must tell us at once. If you do NOT tell us within sixty (60) days after the statement was mailed or delivered to you, you may not get back any money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking fromtaking the money if you had told us in time. If you can document that a good reason (such as a long trip or hospital stay) kept you from telling fromtelling us, we will review your case and may extend the time period. If you are using a MasterCard Debit Card for transactions that take place on the Visa MasterCard network system, Visa rules the MasterCard Operating Rules and Regulations provide for zero liability for unauthorized transactions under certain conditions. You will be protected for MasterCard Debit Card transactions processed through the MasterCard network. This does not apply to transactions that are not processed through the Visa MasterCard network. These exceptions do not apply to transactions originating from your gross fromyour negligence and/or fraudulent use of your Debit Card.

Your Liability for Unauthorized Transactions and Advisability of Prompt Reporting. The provisions in this section apply only to electronic fund transfers that debit or credit a consumer’s checking, savings or other asset account and are subject to the Consumer Financial Protection Bureau’s Regulation E. We may, when applicable, rely on any exceptions to the provision in this section that are in Regulation E. You are responsible for all transfers you authorize using the electronic services described in Services under this Agreement. If you permit authorize other persons to use your Card, PIN(s), and/or Access CodeUser ID and password, you are responsible for any transactions that person authorizes such persons authorize or conducts conduct on any of your accounts, even if that person exceeds your authority. However, you must tell us AT ONCE if you believe your Card, PIN(s), and/or Access Code User ID or password have been lost or stolen stolen, or if you believe that an EFT electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of minimizing keeping your possible losseslosses down. A written notification to us should follow your telephone call. You could lose all of the money in your account (plus your maximum overdraft Personal Line line of Credit, if you have onecredit). However, if you believe your Card, PIN(s), and/or Access Code have been lost or stolen, and If you tell us within two (2) business days after you learn of the loss or thefttheft of your User ID or password, you can lose no more than $50 if someone used your Card, PIN(s), and/or Access Code to access accessed your account using your User ID or password without your permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your CardUser ID or password, PIN(s), and/or Access Code and we can prove that we could have stopped someone from using accessing your Card, PIN(s), and/or Access Code account without your permission if you had told us, you could lose as much as $500. AlsoIn addition, if your statement shows transfers that you did not make, including those made by CardUser ID, PIN password or other means, you must tell us at once. If you do NOT not tell us within sixty (60) days after the statement was mailed or delivered to you, you may not get back any money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking making the money transfers if you had told us in time. If you can document that a good reason (such as a long an extended trip or hospital stay) kept you from telling us, we will review your case and may extend the time period. If you are using a Debit Card for transactions that take place on the Visa network system, Visa rules provide for zero liability for unauthorized transactions under certain conditions. This does not apply to transactions that are not processed through the Visa network. These exceptions do not apply to transactions originating from your gross negligence and/or fraudulent use of your Debit Cardperiods.

Your Liability for Unauthorized Transactions and Advisability of Prompt Reporting. You are responsible for all transfers you authorize using the electronic services described in this Agreement. If you permit other persons to use your Card, PIN(s), and/or Access Code, you are responsible for any transactions that person authorizes or conducts on any of your accounts, even if that person exceeds your authority. However, you must tell us AT ONCE if you believe your checks, ATM Card, Visa Debit Card, Visa Credit Card or your ATM Card PIN, Visa Debit Card PIN, Visa Credit Card PIN, or Online Banking PIN (collectively “check(s), Card(s) and/or PIN(s), and/or Access Code ”) have been lost or stolen or if you believe that an EFT electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of minimizing keeping your possible losseslosses down. A written notification to us should follow your telephone call. You could lose all the money in your account (plus your maximum overdraft Personal Line line of Creditcredit, if you have one). However, if you believe your Card, PIN(scheck(s), Card(s) and/or Access Code PIN(s) have been lost or stolen, and you tell us within two (2) business days after you learn of the loss or theft, you can lose no more than $50 50.00 if someone used your Cardcheck(s) (in an Electronic Check Transaction), PIN(syour Card(s), and/or Access Code to access your account PIN(s) without your permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your Cardcheck(s), PIN(sCard(s), and/or Access Code PIN(s) and we can prove we could have stopped someone from using your Card, check(s) (in an Electronic Check Transaction) and/or your Card(s) and/or PIN(s), and/or Access Code ) without your permission if you had told us, you could lose as much as $500500.00. Also, if your statement shows transfers that you did not make, including those made by Card, PIN or other means, you must tell us at once. If you do NOT tell us within sixty (60) days after the statement was mailed or delivered to you, you may not get back 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. If you can document that a good reason (such as a long trip or hospital stay) kept you from telling us, we will review your case and may extend the time period. If you are using a Debit Card for transactions that take place on the Visa network system, Visa rules provide for zero liability for unauthorized transactions under certain conditions. This does not apply to transactions that are not processed through the Visa network. These exceptions do not apply to transactions originating from your gross negligence and/or fraudulent use of your Debit Card.

Your Liability for Unauthorized Transactions and Advisability of Prompt Reporting. You are responsible for all transfers you authorize using the electronic services described in this Agreement. If you permit other persons to use your QuickDraw ATM Card, PIN(sQuickDraw PLUS MasterCard Debit Card (collec- tively, “Card”), and/or Access Codeor any of your PINs for any electronic service (collectively, “PIN”), you are responsible for any transactions that person authorizes or conducts on any of your accounts, even if that person exceeds your authorityau- thority. However, you must tell us AT ONCE if you believe be- lieve your Card, PIN(s), Card and/or Access Code PIN for any electronic service have been lost or stolen or if you believe that an EFT has been made without your permission using information from your check. Telephoning is the best way of minimizing keeping your possible losseslosses down. A written notification to us should follow your telephone call. You could lose all the money in your account (plus your maximum overdraft Personal personal Line of Credit, if you have one, and/or the funds in a linked account pursuant to the Overdraft Transfer Ser- vice, if you are enrolled in this service). However, if you believe your Card, PIN(s), Card and/or Access Code PIN have been lost or stolen, and you tell us within two (2) business days after you learn of the loss or theft, you can lose no more than $50 if someone used your Card, PIN(s), Card and/or Access Code PIN to access your account 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, PIN(s), Card and/or Access Code PIN and we can prove we could have stopped someone from using your Card, PIN(s), Card and/or Access Code PIN without your permission if you had told us, you could lose as much as $500. Also, if your statement shows transfers that you did not make, including those made by Card, PIN or other means, you must tell us at once. If you do NOT tell us within sixty (60) days after the statement was mailed or delivered to you, you may not get back 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. If you can document that a good reason (such as a long trip or hospital stay) kept you from telling us, we will review your case and may extend the time period. If you are using a Debit Card for transactions that take place on the Visa network system, Visa rules provide for zero liability for unauthorized transactions under certain conditions. This does not apply to transactions that are not processed through the Visa network. These exceptions do not apply to transactions originating from your gross negligence and/or fraudulent use of your Debit Card.

Your Liability for Unauthorized Transactions and Advisability of Prompt Reporting. You are responsible for all transfers you authorize using the electronic services described in this Agreement. If you permit other persons to use your Card, PIN(s), and/or Access Code, you are responsible for any transactions that person authorizes or conducts on any of your accounts, even if that person exceeds your authority. However, you must tell us AT ONCE if you believe your Card, PIN(s), and/or and/ or Access Code have been lost or stolen or if you believe that an EFT has been made without your permission using information from your check. Telephoning is the best way of minimizing your possible losses. A written notification to us should follow your telephone call. You could lose all the money in your account (plus your maximum overdraft Personal Line of Credit, if you have one). However, if you believe your Card, PIN(s), and/or Access Code have been lost or stolen, and you tell us within two (2) business days after you learn of the loss or theft, you can lose no more than $50 if someone used your Card, PIN(s), and/or Access Code to access your account 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, PIN(s), and/or Access Code and we can prove we could have stopped someone from using your Card, PIN(s), and/or Access Code without your permission if you had told us, you could lose as much as $500. Also, if your statement shows transfers that you did not make, including those made by Card, PIN or other means, you must tell us at once. If you do NOT tell us within sixty (60) days after the statement was mailed or delivered to you, you may not get back 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. If you can document that a good reason (such as a long trip or hospital stay) kept you from telling us, we will review your case and may extend the time period. If you are using a Kinecta Debit Card for transactions that take place on the Visa or MasterCard network system, Visa rules and MasterCard Operating Rules and Regulations provide for zero liability for unauthorized transactions under certain conditions. This does not apply to transactions that As a Visa or MasterCard cardholder, you are not processed through protected under the Visa network. These exceptions do not apply to or MasterCard Zero Liability policy for unauthorized transactions originating from your gross negligence and/or fraudulent use of your Debit Card.and they could be transactions made in stores, over the telephone, or on the internet if the following five conditions are met:

Your Liability for Unauthorized Transactions and Advisability of Prompt Reporting. You are responsible for all transfers you authorize using the electronic services described in this Account Agreement. If you permit other persons to use your Card, PIN(s), and/or Access Code, you are responsible for any transactions that person authorizes or conducts on any of your accounts, even if that person exceeds your authority. However, you must tell us AT ONCE if you believe your Card, PIN(s), and/or Access Code have been lost or stolen or if you believe that an EFT has been made without your permission using information from your check. Telephoning is the best way of minimizing your possible losses. A written notification to us should follow your telephone call. You could lose all the money in your account (plus your maximum overdraft Personal Line of Credit, if you have one). However, if you believe your Card, PIN(s), and/or Access Code have been lost or stolen, and you tell us within two (2) business days after you learn of the loss or theft, you can lose no more than $50 if someone used your Card, PIN(s), and/or Access Code to access your account 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, PIN(s), and/or Access Code and we can prove we could have stopped someone from using your Card, PIN(s), and/or Access Code without your permission if you had told us, you could lose as much as $500. Also, if your statement shows transfers that you did not make, including those made by Card, PIN or other means, you must tell us at once. If you do NOT tell us within sixty (60) days after the statement was mailed or delivered to you, you may the transfers reflected on the statement will be considered correct, and we will not get back be responsible for any money you lost after error, claim, or unauthorized transfer included in the sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in timestatement. If you can document that a good reason (such as a long trip or hospital stay) kept you from telling us, we will review your case and may extend the time period. If you are using a Debit Card for transactions that take notify us about an unauthorized transaction on your VISA card and the unauthorized transaction took place on the VISA or Plus Network, you are covered by Visa's Zero Liability Policy. You are protected if your Visa network systemcredit or debit card is lost, Visa rules provide for zero stolen or fraudulently used, online or offline. We may increase the limit of your liability for such unauthorized transactions under certain conditionsif we reasonably determine, based on substantial evidence, that you were negligent or fraudulent in the handling of your account or card. This The Zero Liability Policy does not apply to PIN-based or PIN-less debit transactions that are not processed through by the Visa network. These exceptions do not apply to VISA or Plus Network, including ATM transactions originating from your gross negligence and/or fraudulent use outside of your Debit Cardthe United States.

Your Liability for Unauthorized Transactions and Advisability of Prompt Reporting. You are responsible for all transfers you authorize using the electronic services described in this Account Agreement. If you permit other persons to use your Card, PIN(s), and/or Access Code, you are responsible for any transactions that person authorizes or conducts on any of your accounts, even if that person exceeds your authority. However, you must tell us AT ONCE if you believe your Card, PIN(s), and/or Access Code have been lost or stolen or if you believe that an EFT has been made without your permission using information from your check. Telephoning is the best way of minimizing your possible losses. A written notification to us should follow your telephone call. You could lose all the money in your account (plus your maximum overdraft Personal Line of Credit, if you have one). However, if you believe your Card, PIN(s), and/or Access Code have been lost or stolen, and you tell us within two (2) business days after you learn of the loss or theft, you can lose no more than $50 if someone used your Card, PIN(s), and/or Access Code to access your account 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, PIN(s), and/or Access Code and we can prove we could have stopped someone from using your Card, PIN(s), and/or Access Code without your permission if you had told us, you could lose as much as $500. Also, if your statement shows transfers that you did not make, including those made by Card, PIN or other means, you must tell us at once. If you do NOT tell us within sixty (60) days after the statement was mailed or delivered to you, you may not get back 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. If you can document that a good reason (such as a long trip or hospital stay) kept you from telling us, we will review your case and may extend the time period. If you are using a Debit Card for transactions that take place on the Visa network system, Visa rules provide for zero liability for unauthorized transactions under certain conditions. This does not apply to transactions that are not processed through the Visa network. These exceptions do not apply to transactions originating from your gross negligence and/or fraudulent use of your Debit Card.

Your Liability for Unauthorized Transactions and Advisability of Prompt Reporting. You are responsible for all transfers you authorize using the electronic services described in this Account Agreement. If you permit other persons to use your Card, PIN(s), and/or Access Code, you are responsible for any transactions that person authorizes or conducts on any of your accounts, even if that person exceeds your authority. However, you must tell us AT ONCE if you believe your Card, PIN(s), and/or Access Code have been lost or stolen or if you believe that an EFT has been made without your permission using information from your check. Telephoning is the best way of minimizing your possible losses. A written notification to us should follow your telephone call. You could lose all the money in your account (plus your maximum overdraft Personal Line of Creditcredit limit or a credit card linked through a Transfer Protection Plan, if you have one). However, if you believe your Card, PIN(s), and/or Access Code have been lost or stolen, and you tell us within two (2) business days after you learn of the loss or theft, you can lose no more than $50 if someone used your Card, PIN(s), and/or Access Code to access your account 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, PIN(s), and/or Access Code and we can prove we could have stopped someone from using your Card, PIN(s), and/or Access Code without your permission if you had told us, you could lose as much as $500. Also, if your statement shows transfers that you did not make, including those made by Card, PIN or other means, you must tell us at once. If you do NOT tell us within sixty (60) days after the statement was mailed or delivered to you, you may not get back 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. If you can document that a good reason (such as a long trip or hospital stay) kept you from telling us, we will review your case and may extend the time period. If you are using a Debit Card debit card for transactions that take place on the Visa network system, Visa rules Operating Rules and Regulations provide for zero liability for unauthorized transactions under certain conditions. This does not apply to transactions that are not processed through the Visa network. These exceptions do not apply to transactions originating from your gross negligence and/or fraudulent use of your Debit Carddebit card.

Your Liability for Unauthorized Transactions and Advisability of Prompt Reporting. You are responsible for all transfers you authorize using the electronic services described in this Agreement. If you permit other persons to use your Card, PIN(s), and/or Access Code, you are responsible for any transactions that person authorizes or conducts on any of your accounts, even if that person exceeds your authority. However, you must tell us AT ONCE if you believe your checks, ATM Card, Debit Banking, Mobile Banking, Remote Deposit Capture, ATM Card or Debit card PIN (collectively “check(s), Card(s) and/or PIN(s), and/or Access Code have ”) has been lost or stolen or if you believe that an EFT electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of minimizing keeping your possible losseslosses down. A written notification to us should follow your telephone call. You could lose all the money in your account (plus your maximum overdraft Personal Line moneyinyouraccount(plusyourmaximum overdraftline of Creditcredit).However, if you have one). However, if you believe your Card, PIN(sbelieveyourcheck(s), and/or Access Code have been lost or stolen, and you Card(s)and/xxXXX(s)has beenlost orstolen,andyou tell us within two (2) business days after you learn of the loss or theft, you can lose no more than $50 50.00 if someone used your Cardcheck(s) (in an Electronic Check Transaction), PIN(syour Card(s), and/or Access Code to access your account PIN(s) 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, PIN(scheck(s), Card(s) and/or Access Code PIN(s) and we can prove we could have stopped someone from using your Card, PIN(scheck(s), in an Electronic Check Transaction, and/or Access Code your Card(s) and/or PIN(s) without your permission if you had told us, you could lose as much as $500500.00. If you are using a consumer Debit card for transactions that take place on the card’s network system, you understand that the Card ‘s Operating Rules and Regulations provide for $0 liability for losses from unauthorized (fraudulent) activity. This does not apply to ATM transactions using a PIN. Also, if your statement shows transfers that you did not make, including those made by Card, PIN PIN, or other means, you must tell us at once. If you do NOT tell us within sixty (60) days after the statement was mailed or delivered to you, you we may not get back 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. If you can document that a good reason (such as a long trip or hospital stay) kept you from telling us, we will review your case and may extend the time period. If you are using a Debit Card for transactions that take place on the Visa network system, Visa rules provide for zero liability for unauthorized transactions under certain conditions. This does not apply to transactions that are not processed through the Visa network. These exceptions do not apply to transactions originating from your gross negligence and/or fraudulent use of your Debit Card.

Your Liability for Unauthorized Transactions and Advisability of Prompt Reporting. You are responsible for all transfers you authorize using the electronic services described in this Agreement. If you permit other persons to use your Card, PIN(s), and/or Access Code, you are responsible for any transactions that person authorizes or conducts on any of your accounts, even if that person exceeds your authority. However, you must tell us AT ONCE if you believe your Cardchecks, Visa debit card, or Visa credit card or your online banking PIN, or Visa debit card PIN (collectively “check(s), card(s) and/or PIN(s), and/or Access Code ”) have been lost or stolen or if you believe that an EFT electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of minimizing keeping your possible losseslosses down. A written notification to us should follow your telephone call. You could lose all the money in your account (plus your maximum overdraft Personal Line line of Credit, if you have onecredit). However, if you believe your Card, PIN(scheck(s), card(s) and/or Access Code PIN(s) have been lost or stolen, and you tell us within two (2) business days after you learn of the loss or theft, you can lose no more than $50 50.00 if someone used your Cardcheck(s) (in an electronic check transaction), PIN(syour card(s), and/or Access Code to access your account PIN(s) without your permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your Cardcheck(s), PIN(scard(s), and/or Access Code PIN(s) and we can prove we could have stopped someone from using your Card, PIN(scheck(s) (in an electronic check transaction), your card(s) and/or Access Code your PIN(s) without your permission if you had told us, you could lose as much as $500500.00. Also, if your statement shows transfers that you did not make, including those made by Cardcard, PIN or other means, you must tell us at once. If you do NOT tell us within sixty (60) days after the statement was mailed or delivered to you, you may not get back 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. If you can document that a good reason (such as a long trip or hospital stay) kept you from telling us, we will review your case and may extend the time period. If you are using a Debit Card for transactions that take place on the Visa network system, Visa rules provide for zero liability for unauthorized transactions under certain conditions. This does not apply to transactions that are not processed through the Visa network. These exceptions do not apply to transactions originating from your gross negligence and/or fraudulent use of your Debit Card.

Your Liability for Unauthorized Transactions and Advisability of Prompt Reporting. You are responsible for all transfers you authorize using the electronic services described in this Agreement. If you permit other persons to use your Visa Debit Card, PIN(s), and/or Access Codeor PIN, you are responsible for any transactions that person authorizes or conducts on any of your accounts, even if that person exceeds your authority. However, you must tell us AT ONCE if you believe your Visa Debit Card, or your Visa Debit Card PIN or Digital Banking password (collectively “Card(s) and/or PIN(s), and/or Access Code ”) have been lost or stolen or if you believe that an EFT has been made without your permission using information from your check. Telephoning is the best way of minimizing keeping your possible losseslosses down. A written notification to us should follow your telephone call. You could lose all the money in your account (plus your maximum overdraft Personal Line line of Creditcredit, if you have one). However, if you believe your Card, Card(s) and/or PIN(s), and/or Access Code ) have been lost or stolen, and you tell us within two (2) business days after you learn of the loss or theft, you can lose no more than $50 if someone used your Card, Card(s) and/or PIN(s), and/or Access Code ) to access your account 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, Card(s) and/or PIN(s), and/or Access Code ) and we can prove we could have stopped someone from using your Card, Card(s) and/or PIN(s), and/or Access Code ) without your permission if you had told us, you could lose as much as $500. Also, if your statement shows transfers that you did not make, including those made by Card, PIN or other means, you must tell us at once. If you do NOT tell us within sixty (60) days after the statement was mailed or delivered to you, you may not get back 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. If you can document that a good reason (such as a long trip or hospital stay) kept you from telling us, we will review your case and may extend the time period. If you are using a Debit Card for transactions that take place on the Visa network system, Visa rules provide for zero liability for unauthorized transactions under certain conditions. This does not apply to transactions that are not processed through the Visa network. These exceptions do not apply to transactions originating from your gross negligence and/or fraudulent use of your Debit Card.

Your Liability for Unauthorized Transactions and Advisability of Prompt Reporting. You are responsible for all transfers you authorize using the electronic services described in this Agreement. If you permit other persons to use your Visa Debit Card, PIN(s), and/or Access Codeor PIN, you are responsible for any transactions that person authorizes or conducts on any of your accounts, even if that person exceeds your authority. However, you must tell us AT ONCE if you believe your Visa Debit Card, or your Visa Debit Card PIN or eBranch PIN (collectively “Card(s) and/or PIN(s), and/or Access Code ”) have been lost or stolen or if you believe that an EFT has been made without your permission using information from your check. Telephoning is the best way of minimizing keeping your possible losseslosses down. A written notification notifcation to us should follow your telephone call. You could lose all the money in your account (plus your maximum overdraft Personal Line line of Creditcredit, if you have one). However, if you believe your Card, Card(s) and/or PIN(s), and/or Access Code ) have been lost or stolen, and you tell us within two (2) business days after you learn of the loss or theft, you can lose no more than $50 if someone used your Card, Card(s) and/or PIN(s), and/or Access Code ) to access your account 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, Card(s) and/or PIN(s), and/or Access Code ) and we can prove we could have stopped someone from using your Card, Card(s) and/or PIN(s), and/or Access Code ) without your permission if you had told us, you could lose as much as $500. Also, if your statement shows transfers that you did not make, including those made by Card, PIN or other means, you must tell us at once. If you do NOT tell us within sixty (60) days after the statement was mailed or delivered to you, you may not get back 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. If you can document that a good reason (such as a long trip or hospital stay) kept you from telling us, we will review your case and may extend the time period. If you are using a Debit Card for transactions that take place on the Visa network system, Visa rules provide for zero liability for unauthorized transactions under certain conditions. This does not apply to transactions that are not processed through the Visa network. These exceptions do not apply to transactions originating from your gross negligence and/or fraudulent use of your Debit Card.