Common use of Your Liability for Unauthorized Transactions Clause in Contracts

Your Liability for Unauthorized Transactions. You agree to exercise reasonable control over your PIN(s); user ID(s); and password(s) and any other access code related to your Transaction Account and your Card (each, an “Access Code"). If you believe the Card or Access Code has been lost, compromised or stolen, immediately notify us verbally or via email by using the cardholder support contact information. If you believe the Card has been lost or stolen, or that someone has transferred money or may transfer money from your Transaction Account without your permission, notify us verbally or via email by using the cardholder support contact information. We may suspend or cancel your Card or corresponding Transaction Account in the event of excessive reports of Card loss or theft. Under the Mastercard Rules, you will not be held responsible for unauthorized transactions if you have used reasonable care in protecting your Card from loss or theft and you have promptly reported to us when you knew that your Card was lost or stolen. Zero Liability does not apply to Mastercard payment cards that are used for commercial purposes or anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us). In the event that Mastercard Zero Liability does not apply, if you notify us within two (2) business days after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used your Card 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 and we can prove that we could have stopped someone from using your Card without your permission if you had promptly notified us, you could lose as much as $500.00. Also, if you become aware of, or your Transaction Account statement shows transactions you did not make, notify us at once following the procedures stated in Section 17 (Your Right to Dispute Errors). If you do not notify us within sixty (60) days after you become aware of the transaction or after the statement was made available to you, you may not get back any value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the value if you had notified us in time. You will not be liable for unauthorized use that occurs after you notify us of the loss, theft or unauthorized use of your Card or Access Code(s). You also agree to cooperate completely with us and Servicer in attempts to recover funds from unauthorized users and to assist in their prosecution. The Bank may issue replacement Card(s) or Access Code(s), but only after you have provided such proof and security or indemnification as the Bank may require. In addition, you acknowledge that the Bank may have to deactivate your Card(s) or Transaction Account to prevent future losses. If you share your Card(s) or Access Code(s) with another person, use of your Transaction Account by that person may be considered as authorized. If you authorize another person to use your Card or Access Code(s), you agree that you will be liable for all transactions arising from use of the Card or Access Code(s) by such person except as otherwise set forth in this Agreement. In all cases, our liability for an unauthorized transaction is limited to reimbursing you for the face amount of the unauthorized transaction and any corresponding fees, except as otherwise required by applicable law. A transaction is unauthorized if it is not initiated by you, you did not give permission to make the transaction, or you do not benefit from the transaction in any way.

Your Liability for Unauthorized Transactions. You agree to exercise reasonable control over your PIN(s); user ID(s); and password(s) and any other access code related to your Transaction Account and your Debit Card (each, an “Access Code"). If you believe the Debit Card or Access Code has been lost, compromised or stolen, immediately notify contact us verbally at 000-000-0000 or via email by using us at xxxxxxxxxxx@xxxxx.xxx. Telephoning is the cardholder support contact informationbest way to minimize your possible losses. If you believe the Debit Card has been lost or stolen, stolen call 000-000-0000 or that someone has transferred money or may transfer money from your Transaction Account without your permission, notify us verbally or via email by using the cardholder support contact informationat xxxxxxxxxxx@xxxxx.xxx. We may suspend or cancel your Debit Card or corresponding Transaction Account in the event of excessive reports of Debit Card loss or theft. Under the Mastercard Rules, particularly Zero Liability, you will not be held responsible for unauthorized transactions if you have used reasonable care in protecting your Debit Card from loss or theft and you have promptly reported to us when you knew that your Debit Card was lost or stolen. Zero Liability does not apply to Mastercard payment cards that are used for commercial purposes or anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us)cards. In the event that Mastercard Zero Liability does not apply, if you notify us within two (2) business days after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used your Debit Card without your permission. If you do not notify us within two (2) business days after you learn of the loss or theft of your Debit Card and we can prove that we could have stopped someone from using your Debit Card without your permission if you had promptly notified us, you could lose as much as $500.00. Also, if your statement shows transactions that you did not make, including those made by card, code or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. Also, if you become aware of, or of and/or your Transaction Account statement shows transactions you did not make, notify us at once following the procedures stated in Section 17 XVIII (Your Right to Dispute Errors). If you do not notify us within sixty (60) days after you become aware of the transaction or and/or after the statement was made available to you, you may not get back any value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the value if you had notified us in time. You will not be liable for unauthorized use that occurs after you notify us of the loss, theft or unauthorized use of your Debit Card or Access Code(s). You also agree to cooperate completely with us and Servicer the Bank in attempts to recover funds from unauthorized users and to assist in their prosecution. The Bank may issue replacement Debit Card(s) or Access Code(s), but only after you have provided such proof and security or indemnification as the Bank may require. In addition, you acknowledge that the Bank may have to deactivate your Debit Card(s) or Transaction Account to prevent future losses. If you share your Debit Card(s) or Access Code(s) with another person, use of your Transaction Account Debit Card by that person may be considered as authorized. If you authorize another person to use your Debit Card or Access Code(s), you agree that you will be liable for all transactions arising from use of the Debit Card or Access Code(s) by such person except as otherwise set forth in this Agreement. In all cases, our liability for an unauthorized transaction is limited to reimbursing you for the face amount of the unauthorized transaction and any corresponding fees, except as otherwise required by applicable law. A transaction is unauthorized if it is not initiated by you, you did not give permission to make the transaction, transaction or you do not benefit from the transaction in any way.

Your Liability for Unauthorized Transactions. You agree to exercise reasonable control over your PIN(s); user ID(s); and password(s) and any other access code related to your Transaction Account and Tell us AT ONCE if you believe your Card (each, an “Access Code"). If you believe the Card or Access Code has been lost, compromised or stolen, immediately notify us verbally or via email by using the cardholder support contact information. If you believe the Card PIN has been lost or stolen, or if you believe that someone an electronic fund transfer has transferred money or may transfer money been made without your permission using information from your Transaction Account without Card. Telephoning is the best way of keeping your permission, notify us verbally or via email by using possible losses down. You could lose all the cardholder support contact information. We may suspend or cancel money in your Card or corresponding Transaction Account in the event of excessive reports of Card loss or theft. Under the Mastercard Rules, you will not be held responsible for unauthorized transactions if you have used reasonable care in protecting your Card from loss or theft and you have promptly reported to us when you knew that your Card was lost or stolen. Zero Liability does not apply to Mastercard payment cards that are used for commercial purposes or anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us). In the event that Mastercard Zero Liability does not apply, if you notify us within two (2) business days after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used your Card without your permissionaccount. If you do not notify tell us within two (2) 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 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 promptly notified told us, you could lose as much as $500.00500. Depending on the circumstances, you may qualify for zero liability under the MasterCard zero liability program. Also, if you become aware of, or your Transaction Account statement shows transactions transfers that you did not make, notify including those made by Card, code or other means, tell us at once following the procedures stated in Section 17 (Your Right to Dispute Errors)once. If you do not notify tell us within sixty (60) 60 days after you become aware the earlier of the transaction date you electronically access your account, if the error could be viewed in your electronic history, or after the statement was made available to youdate we sent the FIRST written history on which the error appeared, you may not get back any value money you lost after the sixty (60) 60 days if we can prove that we could have stopped someone from taking the value money if you had notified told us in time. You If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will not be liable for unauthorized use that occurs after extend the time periods. If you notify us of the loss, theft or unauthorized use of believe your Card or Access Code(s)PIN has been lost or stolen, call: 000-000-0000 or write to us at Prepaid Card Support, Xxx Xxxx Xxx, Xxxxxxxx, XX 00000. You should also agree call the number or write to cooperate completely with us and Servicer in attempts to recover funds the address listed above if you believe an unauthorized transfer has been made using the information from unauthorized users and to assist in their prosecution. The Bank may issue replacement Card(s) or Access Code(s), but only after you have provided such proof and security or indemnification as the Bank may require. In addition, you acknowledge that the Bank may have to deactivate your Card(s) or Transaction Account to prevent future losses. If you share your Card(s) or Access Code(s) with another person, use of your Transaction Account by that person may be considered as authorized. If you authorize another person to use your Card or Access Code(s), you agree that you will be liable for all transactions arising from use of the Card or Access Code(s) by such person except as otherwise set forth in this Agreement. In all cases, our liability for an unauthorized transaction is limited to reimbursing you for the face amount of the unauthorized transaction and any corresponding fees, except as otherwise required by applicable law. A transaction is unauthorized if it is not initiated by you, you did not give permission to make the transaction, or you do not benefit from the transaction in any waywithout your permission.

Your Liability for Unauthorized Transactions. You agree to exercise reasonable control over your PIN(s); user ID(s); and password(s) and any other access code related to your Transaction Account and your Card (each, an “Access Code"). If you believe the your Card or Access Code has been lost, compromised or stolen, immediately notify us verbally or via email by using the cardholder support contact information. If you believe the Card Information has been lost or stolen, call 0-000-000-0000 or that someone write to us at Card Services, Xxx Xxxxxxxx Xxx, Suite 175, Cincinnati, OH 45246. You should also call the number or write to the address listed above if you believe a transfer has transferred money or may transfer money from your Transaction Account without your permission, notify us verbally or via email by been made using the cardholder support contact information. We may suspend or cancel information from your Card or corresponding Transaction Account in the event of excessive reports of Card loss or theft. Under the Mastercard Rules, you will not be held responsible for unauthorized transactions if you have used reasonable care in protecting your Card from loss or theft and you have promptly reported to us when you knew that your Card was lost or stolen. Zero Liability does not apply to Mastercard payment cards that are used for commercial purposes or anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us). In the event that Mastercard Zero Liability does not apply, if you notify us within two (2) business days after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used your Card PIN without your permission. If Tell us AT ONCE if you do not notify believe your Card or Access Information has been lost or stolen or if you believe that a transaction has been made without your permission. Telephoning us is the best way to minimize your possible losses. You could lose all the money in your accountIf you tell us within two (2) business days after you learn of the loss or theft of your Card or Access Information you can lose no more than $50 if someone used your Card or Access Information 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 Access Information, and we can prove that we could have stopped someone from using your Card or Access Information without your permission if you had promptly notified told us, you could lose as much as $500.00500. Also, if you become aware of, or your Transaction Account statement shows transactions transfers you did not make, notify including those made by Card, code or other means, tell us at once following the procedures stated in Section 17 (Your Right to Dispute Errors)once. If you do not notify tell us within sixty (60) 60 days after you become aware from the earlier of the transaction date you electronically access your Card Account, if the unauthorized transfer could be viewed in your electronic history, or after the statement was made available to youdate we sent the FIRST written history on which the unauthorized transfer appeared, you may not get back any value money you lost after the sixty (60) 60 days if we can prove that we could have stopped someone from taking the value money if you had notified 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. MasterCard Rules: You may have additional rights under the MasterCard rules, and in some instances such rules provide that you will not be liable for unauthorized use that occurs after of your Card. To qualify for such protection, you notify us of the must exercise reasonable care in safeguarding your Card from loss, theft or unauthorized use and notify us promptly upon becoming aware of the loss or theft. Disputes with Merchants: We are not responsible for the delivery, quality, safety, legality or any other aspect of goods and services that you purchase from others with your Card. All such disputes should be addressed to the merchants from whom the goods and services were purchased. Errors or Questions about Card Transactions: If you think your electronic transaction history or a receipt is wrong or if you need more information about a transaction listed on your electronic transaction history or receipt, please contact us as soon as possible at 0-000-000-0000 or write to us at Card Services, X.X. Xxx 0000, Xxxxx Xxxxx, XX 00000-0000. We must hear from you no later than 60 days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic transaction history, or the date we sent the FIRST written history on which the error appeared. You will need to tell us the following: (1) your name and address, (2) your Card or Access Code(s). You also agree to cooperate completely with us Number, (3) why you believe there is an error, (4) the dollar amount involved, and Servicer in attempts to recover funds from unauthorized users and to assist in their prosecution. The Bank may issue replacement Card(s(5) or Access Code(s), but only after you have provided such proof and security or indemnification as approximately when the Bank may require. In addition, you acknowledge that the Bank may have to deactivate your Card(s) or Transaction Account to prevent future losseserror took place. If you share tell us verbally, we may require that you send us written information within ten (10) business days. We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your Card(s) complaint or Access Code(s) with another personquestion. If we decide to do this, use we will provisionally credit your account within 10 business days for the amount you think is in error, so that you will have the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. For errors involving new accounts, POS, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. We will tell you the results within 3 business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of your Transaction Account by that person may be considered as authorizedthe documents we used in our investigation. If you authorize another person to use your Card or Access Code(s)have any further questions regarding our error resolution procedures, you agree that you will be liable for all transactions arising from use of the Card or Access Code(s) please contact us by such person except as otherwise set forth in this Agreement. In all cases, our liability for an unauthorized transaction is limited to reimbursing you for the face amount of the unauthorized transaction and any corresponding fees, except as otherwise required by applicable law. A transaction is unauthorized if it is not initiated by you, you did not give permission to make the transaction, or you do not benefit from the transaction in any waycalling 1-866- 000-0000.

Your Liability for Unauthorized Transactions. Tell us AT ONCE if you believe your password has been lost or stolen and immediately change your password from within the Online Branch section. Calling is the best way to notify us immediately. You agree to exercise reasonable control over could lose all the money in your PIN(s); user ID(s); and password(s) and any other access code related to account (plus your Transaction Account and your Card (each, an “Access Code"maximum overdraft protection). If you believe the Card or Access Code has been lost, compromised or stolen, immediately notify us verbally or via email by using the cardholder support contact information. If you believe the Card has been lost or stolen, or that someone has transferred money or may transfer money from your Transaction Account without your permission, notify us verbally or via email by using the cardholder support contact information. We may suspend or cancel your Card or corresponding Transaction Account in the event of excessive reports of Card loss or theft. Under the Mastercard Rules, you will not be held responsible for unauthorized transactions if you have used reasonable care in protecting your Card from loss or theft and you have promptly reported to us when you knew that your Card was lost or stolen. Zero Liability does not apply to Mastercard payment cards that are used for commercial purposes or anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us). In the event that Mastercard Zero Liability does not apply, if you notify tell us within two (2) business days after you learn of any unauthorized transactionsdays, you can lose no more than $50.00 50 if someone used your Card password without your permission. Also, if your statement shows transfers that you did not make, tell us at once. If you do not notify us within two (2) business days after you learn of the loss or theft of your Card and we can prove that we could have stopped someone from using your Card without your permission if you had promptly notified us, you could lose as much as $500.00. Also, if you become aware of, or your Transaction Account statement shows transactions you did not make, notify us at once following the procedures stated in Section 17 (Your Right to Dispute Errors). If you do not notify tell us within sixty (60) days after you become aware of the transaction or after the statement was made available mailed to you, you may not get back any value money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the value money if you had notified told us in time. You will not be liable for unauthorized use that occurs after you notify us of the loss, theft or unauthorized use of your Card or Access Code(s). You also agree to cooperate completely with us and Servicer in attempts to recover funds from unauthorized users and to assist in their prosecution. The Bank may issue replacement Card(s) or Access Code(s), but only after If you have provided such proof and security or indemnification as authorized someone else to use the Bank may require. In additionPIN, you acknowledge are responsible for all transactions that person(s) initiates at any time, even if the Bank amount or transactions exceed what you may have to deactivate your Card(s) or Transaction Account to prevent future losses. If you share your Card(s) or Access Code(s) with another person, use of your Transaction Account by that person may be considered as authorized. If you authorize another person believe your password has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call or write us at the telephone number and address listed below in the “How to use Notify Us” section. Error Resolution In case of errors or questions about Online Branch or your Card statement, or Access Code(s)if you need more information about a transfer listed on the statement, call or write us at the telephone number or address listed in this disclosure. We must hear from you agree no later than 60 days after we send the first statement on which the problem or error appeared. If you contact us orally, we may require that you will send us your complaint or question in writing within 10 business days. If you contact us via mail, please be liable for all transactions arising from use of the Card or Access Code(s) by such person except as otherwise set forth in this Agreement. In all cases, our liability for an unauthorized transaction is limited sure to reimbursing you for the face amount of the unauthorized transaction and any corresponding fees, except as otherwise required by applicable law. A transaction is unauthorized if it is not initiated by you, you did not give permission to make the transaction, or you do not benefit from the transaction in any way.include:

Your Liability for Unauthorized Transactions. You agree to exercise reasonable control over your PIN(s); user ID(s); and password(s) and any other access code related to your Transaction Account and your Card (each, an “Access Code"). If Tell us AT ONCE if you believe the Card or Access Code has been lost, compromised or stolen, immediately notify us verbally or via email by using the cardholder support contact information. If you believe the your Card has been lost or stolen, or if you believe that someone an electronic fund transfer has transferred money or may transfer money from your Transaction Account been made without your permission, notify us verbally or via email by using . Calling Customer Service is the cardholder support contact informationbest way of keeping your possible losses down. We may suspend or cancel You could lose all the money in your Card or corresponding Transaction Account in the event of excessive reports of Card loss or theftaccount. Under the Mastercard Rules, If you will not be held responsible for unauthorized transactions if you have used reasonable care in protecting your Card from loss or theft and you have promptly reported to us when you knew that your Card was lost or stolen. Zero Liability does not apply to Mastercard payment cards that are used for commercial purposes or anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us). In the event that Mastercard Zero Liability does not apply, if you notify tell us within two (2) 2 business days after you learn of any unauthorized transactionsthe loss or theft of your Card, you can lose no more than $50.00 50 if someone used your Card without your permission. If you do not notify NOT tell us within two (2) 2 business days after you learn of the loss or theft of your Card Card, and we can prove that we could have stopped someone from using your Card without your permission if you had promptly notified told us, you could lose as much as $500.00500. Also, if you become aware of, or your Transaction Account statement electronic history shows transactions transfers that you did not make, notify including those made by your Card or other means, tell us at once following the procedures stated in Section 17 (Your Right to Dispute Errors)once. If you do not notify tell us within sixty (60) 60 days after you become aware the earlier of the transaction date you electronically accessed your account (if the unauthorized transfer could be viewed in your electronic history), or after the statement was made available to youdate we sent the FIRST written history on which the unauthorized transfer appeared, you may not get back any value money you lost after the sixty (60) 60 days if we can prove that we could have stopped someone from taking the value money if you had notified 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 Card may have some additional protections against unauthorized use: Visa Zero Liability policy covers U.S.-issued Visa-branded Cards only and does not apply to ATM transactions, PIN transactions not process by Visa, certain commercial card transactions, or unregistered cards. You will not be liable for unauthorized use that occurs after you must notify us promptly of the loss, theft or any unauthorized use of your Card or Access Code(s)use. You also agree to cooperate completely with us and Servicer in attempts to recover funds from unauthorized users and to assist in their prosecution. The Bank may issue replacement Card(s) or Access Code(s), but only after you have provided such proof and security or indemnification as the Bank may require. In addition, you acknowledge that the Bank may have to deactivate your Card(s) or Transaction Account to prevent future losses. If you share your Card(s) or Access Code(s) with another person, use of your Transaction Account by that person may be considered as authorized. If you authorize another person to use your Card or Access Code(s), you agree that you will be liable for all transactions arising from use of the Card or Access Code(s) by such person except as otherwise set forth in this Agreement. In all cases, our liability for an unauthorized transaction is limited to reimbursing you for the face amount of the unauthorized transaction and any corresponding fees, except as otherwise required by applicable law. A transaction is unauthorized if it is not initiated by you, you did not give permission to make the transaction, or you do not benefit from the transaction in any wayFor additional details visit xxx.xxxx.xxx/xxxxxxxx.

Your Liability for Unauthorized Transactions. If You agree to exercise reasonable control over your PIN(s); user ID(s); and password(s) and any other access code related to your Transaction Account and your Card (each, an “Access Code"). If you believe tell Us within 2 business days after You learn of the Card or Access Code has been lost, compromised or stolen, immediately notify us verbally or via email by using the cardholder support contact information. If you believe the Card has been lost or stolen, or that someone has transferred money or may transfer money from your Transaction Account without your permission, notify us verbally or via email by using the cardholder support contact information. We may suspend or cancel your Card or corresponding Transaction Account in the event of excessive reports of Card loss or theft. Under the Mastercard Rules, you will not be held responsible for unauthorized transactions if you have used reasonable care in protecting your Card from loss or theft and you have promptly reported to us when you knew that your Card was lost of Your member number, password or stolen. Zero Liability does not apply to Mastercard payment cards that are used for commercial purposes or anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us). In the event that Mastercard Zero Liability does not applyother access codes, if you notify us within two (2) business days after you learn of any unauthorized transactions, you You can lose no more than $50.00 if someone used your Card them without your Your permission. If you You do not notify us NOT tell Us within two (2) 2 business days after you You learn of the loss or theft of your Card Your member number, password or other access codes, and we We can prove that we We could have stopped someone from using your Card them without your Your permission if you You had promptly notified ustold Us, you You could lose as much as $500.00. Also, if you become aware of, or your Transaction Account Your statement for a consumer account shows transactions you transfers covered by this Agreement that You did not makemake or authorize, notify us tell Us at once following the procedures stated in Section 17 (Your Right to Dispute Errors)once. If you You do not notify us tell Us within sixty (60) 60 days after you become aware of the transaction or after the statement was made available mailed to youYou, you You may not get back any value you money lost after the sixty (60) 60 days if we We can prove that we We could have stopped someone from taking the value money if you You had notified us told Us in time. If a good reason (such as a long trip or hospital stay) kept You from telling Us, We will extend the time periods. In Case of Errors or Questions About Transactions This section applies only to transactions covered by this Agreement. You may call at 000.000.0000 or write Us at DFCU Financial PO Box 6048, Dearborn, MI 48126-6048 as soon as You can, if You think Your statement is wrong or if You need more information about a transfer covered by this Agreement which is listed on the statement. We must hear from You no later than 60 days after We sent the FIRST statement on which the problem or error appeared. Tell Us Your name and account number (if any). Describe the error or transfer You are unsure about, and explain as clearly as You can why You believe it is an error and why You need more information. Tell Us the dollar amount of the suspected error. If You tell Us orally, We may require that You send Us Your complaint or question in writing so that We receive it within 10 business days. We will determine whether an error occurred within 10 business days after We hear from You and will correct any error promptly. If We need more time, however, We may take up to 45 days to investigate Your complaint or question. If We decide to do this, We will provisionally credit Your account within 10 business days for the amount You think is in error, so that You will not be liable for unauthorized use that occurs after you notify us of have the loss, theft or unauthorized use of your Card or Access Code(s). You also agree to cooperate completely with us and Servicer in attempts to recover funds from unauthorized users and to assist in their prosecution. The Bank may issue replacement Card(s) or Access Code(s), but only after you have provided such proof and security or indemnification as the Bank may require. In addition, you acknowledge that the Bank may have to deactivate your Card(s) or Transaction Account to prevent future losses. If you share your Card(s) or Access Code(s) with another person, use of your Transaction Account by that person may be considered as authorized. If you authorize another person to use your Card or Access Code(s), you agree that you will be liable for all transactions arising from use of the Card money during the time it takes Us to complete Our investigation. If We ask You to put Your complaint or Access Code(s) question in writing and We do not receive it within 10 business days, We are not required to provisionally credit Your account. When the investigation is completed, We will make any necessary or appropriate adjustments to Your account. We will tell You the results within 3 business days after completing Our investigation. If We decide that there was no error or the error was different than You described, We will send You a written explanation. You may ask for copies of the documents that We used in Our investigation by contacting Us at the phone number or address listed above. Changing Terms and Terminating This Agreement This Agreement will stay in effect until it is changed or terminated. We have the right to terminate this Agreement at any time. We will ordinarily send You notice of any termination, but We are not required to do so unless applicable law requires such person except as otherwise set forth notice. Once We terminate this Agreement, no further or pending transfers will be made, including but not limited to any transfers scheduled in advance or any preauthorized recurring transfers. We may routinely terminate OnLine Banking service for members that have not used the service within the first 30 days after activation or if the service has been inactive for 180 days. We also have the right to make changes to this Agreement at any time. Your use of these services after any such change indicates that You agree with the changes or additions made to this Agreement. In all casesWe will comply with any notice requirements under applicable law for such changes. If applicable law does not specify any notice requirements for the change, our liability for an unauthorized transaction is We will decide what kind of notice (if any) We will give You and the method of providing any such notice. You may terminate this Agreement at any time by notifying Us in writing. However any instructions from You to make transfers will continue in effect until We have received Your written notice of termination and have had a reasonable opportunity to act upon it. Once We have acted upon Your notice, no further or pending transfers will be made, including but not limited to reimbursing you for the face amount of the unauthorized transaction any transfers scheduled in advance or any preauthorized recurring transfers. You are not permitted to alter or amend this Agreement or any related document without Our express written consent. Any attempt to do so will be void and any corresponding fees, except as otherwise required by applicable law. A transaction is unauthorized if it is not initiated by you, you did not give permission to make the transaction, or you do not benefit from the transaction in any wayunenforceable.

Your Liability for Unauthorized Transactions. You agree to exercise reasonable control over your PIN(s); user ID(s); and password(s) and any other access code related to your Transaction Account and your Card (each, an “Access Code"). If Tell us AT ONCE if you believe the Card or Access Code has been lost, compromised or stolen, immediately notify us verbally or via email by using the cardholder support contact information. If you believe the your Card has been lost or stolen, stolen or that someone your PIN has transferred money been compromised or may transfer money you believe a transaction has been made without your permission using information from your Transaction Account without your permission, notify Card Account. Contact Customer Service immediately at the number or address provided below to keep possible losses to a minimum. Contacting us verbally or via email by using telephone at 000-000-0000 is the cardholder support contact informationbest way to minimize possible losses. We may suspend or cancel You could lose all the money in your Card or corresponding Transaction Account in the event of excessive reports of Card loss or theftAccount. Under the Mastercard Rules, If you will not be held responsible for unauthorized transactions if you have used reasonable care in protecting your Card from loss or theft and you have promptly reported to us when you knew that your Card was lost or stolen. Zero Liability does not apply to Mastercard payment cards that are used for commercial purposes or anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us). In the event that Mastercard Zero Liability does not apply, if you notify tell us within two (2) business days after you learn of any unauthorized transactions, you can will lose no more than $50.00 50 if someone used accessed your Card Account without your permission. If you do not notify DO NOT tell us within two (2) business days after you learn of the loss or theft of your Card an unauthorized transaction, and we can prove that we could have stopped someone from using accessing your Card Account without your permission if you had promptly notified told us, you could lose as much as $500.00500. Also, if you become aware of, your Card Account transaction history or your Transaction Account statement other information shows transactions transfers that you did not makemake or authorize, notify tell us at once following the procedures stated in Section 17 (Your Right to Dispute Errors)once. If you do not notify tell us within sixty (60) 60 days after you become aware of the transaction or after the statement was information is made available to you, you may not get back any value money you lost after the sixty (60) 60 days if we can prove that we could have stopped someone from taking the value money if you had notified told us in time. You If a good reason (such as a long trip, a hospital stay, or other extenuating circumstances) kept you from telling us, we will not be liable for unauthorized use that occurs after you notify us of extend the loss, theft or unauthorized use of your Card or Access Code(s)times specified above to a reasonable period. You also agree to cooperate completely reasonably with us and Servicer in our attempts to recover funds from unauthorized users from, and to assist in their prosecution. The Bank may issue replacement Card(s) or Access Code(s)the prosecution of, but only after you have provided such proof and security or indemnification as the Bank may require. In addition, you acknowledge that the Bank may have to deactivate your Card(s) or Transaction Account to prevent future losses. If you share your Card(s) or Access Code(s) with another person, use any unauthorized users of your Transaction Account by that person may be considered as authorized. If you authorize another person to use your Card or Access Code(s), you agree that you will be liable for all transactions arising from use of the Card or Access Code(s) by such person except as otherwise set forth in this Agreement. In all cases, our liability for an unauthorized transaction is limited to reimbursing you for the face amount of the unauthorized transaction and any corresponding fees, except as otherwise required by applicable law. A transaction is unauthorized if it is not initiated by you, you did not give permission to make the transaction, or you do not benefit from the transaction in any wayAccount.

Your Liability for Unauthorized Transactions. You agree to exercise reasonable control over your PIN(s); user ID(s); and password(s) and any other access code related to your Transaction Account and your Card (each, an “Access Code"). If you believe the Card or Access Code has been lost, compromised or stolen, immediately notify contact us verbally at 000-000-0000 or via email by using us at xxxxxxxxxxx@xxxxx.xxx Telephoning is the cardholder support contact informationbest way to minimize your possible losses. If you believe the Card has been lost or stolen, stolen call 000-000-0000 or that someone has transferred money or may transfer money from your Transaction Account without your permission, notify us verbally or via email by using the cardholder support contact informationat xxxxxxxxxxx@xxxxx.xxx. We may suspend or cancel your Card or corresponding Transaction Account in the event of excessive reports of Card loss or theft. Under the Mastercard Rules, you will not be held responsible for unauthorized transactions if you have used reasonable care in protecting your Card from loss or theft and you have promptly reported to us when you knew that your Card was lost or stolen. Zero Liability does not apply to Mastercard payment cards that are used for commercial purposes or anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us). In the event that Mastercard Zero Liability does not apply, if you notify us within two (2) business days after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used your Card 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 and we can prove that we could have stopped someone from using your Card without your permission if you had promptly notified us, you could lose as much as $500.00. Also, if you become aware of, or of and/or your Transaction Account statement shows transactions you did not make, notify us at once following the procedures stated in Section 17 XVIII (Your Right to Dispute Errors). If you do not notify us within sixty (60) days after you become aware of the transaction or and/or after the statement was made available to you, you may not get back any value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the value if you had notified us in time. You will not be liable for unauthorized use that occurs after you notify us of the loss, theft or unauthorized use of your Card or Access Code(s). You also agree to cooperate completely with us and Servicer the Bank in attempts to recover funds from unauthorized users and to assist in their prosecution. The Bank may issue replacement Card(s) or Access Code(s), but only after you have provided such proof and security or indemnification as the Bank may require. In addition, you acknowledge that the Bank may have to deactivate your Card(s) or Transaction Account to prevent future losses. If you share your Card(s) or Access Code(s) with another person, use of your Transaction Account Card by that person may be considered as authorized. If you authorize another person to use your Card or Access Code(s), you agree that you will be liable for all transactions arising from use of the Card or Access Code(s) by such person except as otherwise set forth in this Agreement. In all cases, our liability for an unauthorized transaction is limited to reimbursing you for the face amount of the unauthorized transaction and any corresponding fees, except as otherwise required by applicable law. A transaction is unauthorized if it is not initiated by you, you did not give permission to make the transaction, transaction or you do not benefit from the transaction in any way.

Your Liability for Unauthorized Transactions. You agree shall tell us IMMEDIATELY if you believe your password has been lost or stolen and immediately change your password from within the Online Branch section. Calling is the best way to exercise reasonable control over notify us immediately. You could lose all the money in your PIN(s); user ID(s); and password(s) and any other access code related to account (plus your Transaction Account and your Card (each, an “Access Code"maximum overdraft protection). If you believe the Card or Access Code has been lost, compromised or stolen, immediately notify us verbally or via email by using the cardholder support contact information. If you believe the Card has been lost or stolen, or that someone has transferred money or may transfer money from your Transaction Account without your permission, notify us verbally or via email by using the cardholder support contact information. We may suspend or cancel your Card or corresponding Transaction Account in the event of excessive reports of Card loss or theft. Under the Mastercard Rules, you will not be held responsible for unauthorized transactions if you have used reasonable care in protecting your Card from loss or theft and you have promptly reported to us when you knew that your Card was lost or stolen. Zero Liability does not apply to Mastercard payment cards that are used for commercial purposes or anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us). In the event that Mastercard Zero Liability does not apply, if you notify tell us within two (2) business days after you learn of any unauthorized transactionsdays, you can lose no more than $50.00 50 if someone used your Card password without your permission. Also, if your statement shows transfers that you did not make, you shall tell us at once. If you do not notify us within two (2) business days after you learn of the loss or theft of your Card and we can prove that we could have stopped someone from using your Card without your permission if you had promptly notified us, you could lose as much as $500.00. Also, if you become aware of, or your Transaction Account statement shows transactions you did not make, notify us at once following the procedures stated in Section 17 (Your Right to Dispute Errors). If you do not notify tell us within sixty (60) days after you become aware of the transaction or after the statement was made available mailed to you, you may not get back any value money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the value money if you had notified told us in time. You will not be liable for unauthorized use that occurs after you notify us of the loss, theft or unauthorized use of your Card or Access Code(s). You also agree to cooperate completely with us and Servicer in attempts to recover funds from unauthorized users and to assist in their prosecution. The Bank may issue replacement Card(s) or Access Code(s), but only after If you have provided such proof and security or indemnification as authorized someone else to use the Bank may require. In additionPIN, you acknowledge are responsible for all transactions that person(s) initiates at any time, even if the Bank amount or transactions exceed what you may have to deactivate your Card(s) or Transaction Account to prevent future losses. If you share your Card(s) or Access Code(s) with another person, use of your Transaction Account by that person may be considered as authorized. If you authorize another person to use believe your Card password has been lost or Access Code(s)stolen or that someone has transferred or may transfer money from your account without your permission, you agree shall call or write us at the telephone number and address listed below in the “How to Notify Us” section. Error Resolution In case of errors or questions about Online Branch or your statement, or if you need more information about a transfer listed on the statement, call or write us at the telephone number or address listed in this disclosure. We must hear from you no later than 60 days after we send the first statement on which the problem or error appeared. If you contact us orally, we may require that you will send us your complaint or question in writing within 10 (10) business days. If you contact us via mail, please be liable for all transactions arising from use of the Card or Access Code(s) by such person except as otherwise set forth in this Agreement. In all cases, our liability for an unauthorized transaction is limited sure to reimbursing you for the face amount of the unauthorized transaction and any corresponding fees, except as otherwise required by applicable law. A transaction is unauthorized if it is not initiated by you, you did not give permission to make the transaction, or you do not benefit from the transaction in any way.include:

Your Liability for Unauthorized Transactions. You agree to exercise reasonable control over your PIN(s); user ID(s); and password(s) and any other access code related to your Transaction Account and Tell us AT ONCE if you believe your Card (each, an “Access Code"). If you believe the Card or Access Code has been lost, compromised or stolen, immediately notify us verbally or via email by using the cardholder support contact information. If you believe the Card PIN has been lost or stolen, or if you believe that someone an electronic fund transfer has transferred money or may transfer money been made without your permission using information from your Transaction Account without Card. Telephoning is the best way of keeping your permission, notify us verbally or via email by using possible losses down. You could lose all the cardholder support contact information. We may suspend or cancel money in your Card or corresponding Transaction Account in the event of excessive reports of Card loss or theft. Under the Mastercard Rules, you will not be held responsible for unauthorized transactions if you have used reasonable care in protecting your Card from loss or theft and you have promptly reported to us when you knew that your Card was lost or stolen. Zero Liability does not apply to Mastercard payment cards that are used for commercial purposes or anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us). In the event that Mastercard Zero Liability does not apply, if you notify us within two (2) business days after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used your Card without your permissionaccount. If you do not notify tell us within two (2) 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 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 promptly notified told us, you could lose as much as $500.00500. Also, if you become aware of, or your Transaction Account statement shows transactions transfers that you did not make, notify including those made by card, code or other means, tell us at once following the procedures stated in Section 17 (Your Right to Dispute Errors)once. If you do not notify tell us within sixty (60) 60 days after you become aware the earlier of the transaction date you electronically access your account, if the error could be viewed in your electronic history, or after the statement was made available to youdate we sent the FIRST written history on which the error appeared, you may not get back any value money you lost after the sixty (60) 60 days if we can prove that we could have stopped someone from taking the value money if you had notified told us in time. You If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will not be liable for unauthorized use that occurs after extend the time periods. If you notify us of the loss, theft or unauthorized use of believe your Card or Access Code(s)PIN has been lost or stolen, call: 0-000-000-0000, visit the following website, xxx.xxxxxxxxxxxxxxx.xxx or write to Convenient Cards, Inc. Xxx Xxxxxxx Xxxxx, Xxxxx 000, Xxxxxxxxxxx, XX 00000. You should also agree call the number or write to cooperate completely with us and Servicer in attempts to recover funds the address listed above if you believe an unauthorized transfer has been made using the information from unauthorized users and to assist in their prosecution. The Bank may issue replacement Card(s) or Access Code(s), but only after you have provided such proof and security or indemnification as the Bank may require. In addition, you acknowledge that the Bank may have to deactivate your Card(s) or Transaction Account to prevent future losses. If you share your Card(s) or Access Code(s) with another person, use of your Transaction Account by that person may be considered as authorized. If you authorize another person to use your Card or Access Code(s), you agree that you will be liable for all transactions arising from use of the Card or Access Code(s) by such person except as otherwise set forth in this Agreement. In all cases, our liability for an unauthorized transaction is limited to reimbursing you for the face amount of the unauthorized transaction and any corresponding fees, except as otherwise required by applicable law. A transaction is unauthorized if it is not initiated by you, you did not give permission to make the transaction, or you do not benefit from the transaction in any waywithout your permission.

Your Liability for Unauthorized Transactions. You agree If you permit other persons to exercise reasonable control over perform payments or transfers or use your PIN(s); user ID(s); and password(s) and Password, you are responsible for any other access code related to transactions they authorize from your Transaction Account and your Card (each, an “Access Code"account(s). If you believe the Card or Access Code has been lost, compromised or stolen, immediately notify us verbally or via email by using the cardholder support contact information. If you believe the Card that your Password has been lost or stolen, stolen or that someone has transferred money performed a payment or may transfer money from your Transaction Account without your permission, you must notify us verbally AT ONCE, by calling (000) 000-0000 or via email by using the cardholder support contact information. We may suspend or cancel your Card or corresponding Transaction Account in the event of excessive reports of Card loss or theft. Under the Mastercard Rules, you will not be held responsible for unauthorized transactions if you have used reasonable care in protecting your Card from loss or theft and you have promptly reported writing to us when you knew that your Card was lost or stolenat Electronic Banking Department, DR Bank, X.X. Xxx 0000, Xxxxxx, XX 00000. Zero Liability does not apply to Mastercard payment cards that are used for commercial purposes or anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us). In the event that Mastercard Zero Liability does not applyTell us at AT ONCE, preferably by telephone, if you notify believe your Password has been lost or stolen or that an unauthorized payment or transfer has been made from any of your deposit accounts. If you do not tell us, you could lose all the money in your account(s), as well as all funds available in any overdraft protection account or any other credit line included among your accounts. If you tell us within two (2) business days Business Days after you learn of any unauthorized transactionsdiscover the loss or theft, you can lose no more than $50.00 if someone used your Card makes a payment or transfer without your permissionauthorization. If you do not notify tell us within two (2) business days Business Days after you learn of the discover loss or theft of your Card Password or that an unauthorized payment or online transfer has been made from any of your deposit accounts, and we can prove that we could have stopped someone from using your Card performing a payment or transfer without your permission authorization if you had promptly notified told us, you could lose as much as $500.00. AlsoAdditionally, if you become aware of, or your Transaction Account any account statement shows transactions online transfers or payments that you did not make, notify tell us at once following the procedures stated in Section 17 (Your Right to Dispute Errors)AT ONCE. If you do not notify tell us within sixty (60) days after you become aware of the transaction a statement showing such a payment or after the statement transfer was made available transmitted to you, you may not get back any value money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the value money if you had notified told us in time. You If a good reason, such as a long trip or hospital stay, prevented you from telling us, we will not be liable for unauthorized use that occurs after you notify us of extend the loss, theft or unauthorized use of your Card or Access Code(s). You also agree to cooperate completely with us and Servicer in attempts to recover funds from unauthorized users and to assist in their prosecution. The Bank may issue replacement Card(s) or Access Code(s), but only after you have provided such proof and security or indemnification as the Bank may require. In addition, you acknowledge that the Bank may have to deactivate your Card(s) or Transaction Account to prevent future losses. If you share your Card(s) or Access Code(s) with another person, use of your Transaction Account by that person may be considered as authorized. If you authorize another person to use your Card or Access Code(s), you agree that you will be liable for all transactions arising from use of the Card or Access Code(s) by such person except as otherwise set forth in this Agreement. In all cases, our liability for an unauthorized transaction is limited to reimbursing you for the face amount of the unauthorized transaction and any corresponding fees, except as otherwise required by applicable law. A transaction is unauthorized if it is not initiated by you, you did not give permission to make the transaction, or you do not benefit from the transaction in any waytime periods.

Your Liability for Unauthorized Transactions. You agree to exercise reasonable control over your PIN(s); user ID(s); and password(s) and any other access code related to your Transaction Account and your Card (each, an “Access Code"). If Tell us AT ONCE if you believe the Card or Access Code has been lost, compromised or stolen, immediately notify us verbally or via email by using the cardholder support contact information. If you believe the Card your access device has been lost or stolen, stolen or that if you believe someone has transferred money used your card or may transfer money from access code or otherwise accessed your Transaction Account accounts without your permissionauthority. Telephoning is the best way of keeping your possible losses down. You are responsible for all electronic transactions you authorize. If you permit other persons to use an electronic funds transfer service, notify us verbally your card or via email by using the cardholder support contact information. We may suspend access device, your PIN or cancel your Card or corresponding Transaction Account in the event of excessive reports of Card loss or theft. Under the Mastercard Rulesaccess code, you will not be held are responsible for unauthorized any transactions they authorize or conduct on any of your accounts. If you link any of your accounts or services to a third-party application or payment service (including but not limited to Cash App, PayPal®, Zelle® or Venmo) you understand and agree that these are not Credit Union services; and any transactions you make will be subject to your agreements with the application or service provider. You understand that these applications and services do not provide the same protections from fraud or other misapplication of funds as traditional direct banking services. If we transfer any funds as directed by you or anyone you authorize to the application or third-party service provider such transfer(s) shall in all respects be an authorized transaction and we will have no further obligation or liability if you have used reasonable care in protecting your Card from loss the application or theft and you have promptly reported provider then transfers the funds to us when you knew a fraudster or the funds are otherwise misapplied. For electronic transactions that your Card was lost require the use of a PIN or stolen. Zero Liability does not apply to Mastercard payment cards that are used access code (except for commercial purposes or anonymous prepaid cards (until such time as the identity of the cardholder has been registered with usVisa debit card purchases). In the event that Mastercard Zero Liability does not apply, if you notify tell us within two (2) business days after you learn of any unauthorized transactions, you can lose no more than $50.00 50 if someone used your Card card without your permission. If you do not notify NOT tell us within two (2) business days after you learn of the loss or theft of your Card card, and we can prove that we could have stopped someone from using your Card card without your permission if you had promptly notified told us, you could lose as much as $500.00500. Also, if you become aware of, or your Transaction Account statement shows transactions transfers that you did not make, notify including those made by card, code, or other means, Tell us at once following the procedures stated in Section 17 (Your Right to Dispute Errors)AT ONCE. If you do not notify tell us within sixty (60) calendar days after you become aware of the transaction or after the statement was made available mailed to youyou showing the first unauthorized transfer, you may not get back any value you money lost after the sixty (60) calendar days if we can prove that we could have stopped someone from taking making the value transfers if you had notified told us in time. You If a good reason (such as extended travel or hospitalization) kept you from telling us, we may extend these time periods. If you believe your card has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, contact the Credit Union at 0.000.000.0000 or 803.469.8600 or write us at SAFE Federal Credit Union, P.O. Box 2008, Sumter, SC 29151. ZERO LIABILITY POLICY FOR VISA DEBIT CARD PURCHASES If there is an unauthorized Visa debit card purchase, and the transaction takes place on the Visa network, then your liability will be zero ($0). This provision limiting your liability does not apply to either Visa commercial (business) cards or ATM cash disbursements. Additionally, your liability with respect to unauthorized transactions may be liable for greater than the above zero ($0) liability limit, to the extent allowed under applicable law, if: (1) we determine the unauthorized use that occurs after transaction was a result of gross negligence or fraud on your part; (2) you notify fail to provide us with a statement or affidavit of your claim within the time requested; (3) we determine the transaction was not “unauthorized” as defined below; or (4) you fail to report the loss, theft theft, or unauthorized use of your Card or Access Code(s)debit card of card number within a reasonable period of time. You also agree to cooperate completely with us and Servicer A reasonable period of time will be determined by the Credit Union in attempts to recover funds from unauthorized users and to assist in their prosecution. The Bank may issue replacement Card(s) or Access Code(s)its sole discretion, but only after you have provided such proof and security or indemnification as in no event will it be shorter than the Bank may require. In addition, you acknowledge that time periods stated in the Bank may have to deactivate your Card(s) or Transaction Account to prevent future losses. If you share your Card(s) or Access Code(s) with another person, use of your Transaction Account by that person may be considered as authorized. If you authorize another person to use your Card or Access Code(s), you agree that you will be liable for all transactions arising from use of the Card or Access Code(s) by such person except as otherwise set forth in this Agreement. In all cases, our liability for an unauthorized transaction is limited to reimbursing you for the face amount of the unauthorized transaction and any corresponding fees, except as otherwise required by applicable lawError Resolution Section below. A transaction is unauthorized considered “unauthorized” if it is not initiated by yousomeone other than you (the cardholder) without your actual or apparent authority, and you did not give permission to make the transaction, or you do not receive no benefit from the transaction. A transaction in is not considered “unauthorized” if: (1) you furnish the card, card 35 number, or other identifying information to another person and give that person express or implied authority to perform one or more transactions and the person then exceeds that authority; or (2) for any wayother reason the Credit Union concludes the facts and circumstances do not reasonably support a claim of unauthorized use. In any case, to minimize your potential liability you should notify us of any unauthorized use no later than sixty (60) days after your statement was mailed to you.

Your Liability for Unauthorized Transactions. You agree to exercise reasonable control over your PIN(s); user ID(s); and password(s) and any other access code related to your Transaction Account and your Debit Card (each, an “Access Code"). If you believe the Debit Card or Access Code has been lost, compromised or stolen, immediately notify contact us verbally at 000-000-0000 or via email by using us at xxxxxxxxxxx@xxxxx.xxx. Telephoning is the cardholder support contact informationbest way to minimize your possible losses. If you believe the Debit Card has been lost or stolen, stolen call 000-000-0000 or that someone has transferred money or may transfer money from your Transaction Account without your permission, notify us verbally or via email by using the cardholder support contact informationat xxxxxxxxxxx@xxxxx.xxx. We may suspend or cancel your Debit Card or corresponding Transaction Account in the event of excessive reports of Debit Card loss or theft. Under the Mastercard Rules, particularly Zero Liability, you will not be held responsible for unauthorized transactions if you have used reasonable care in protecting your Debit Card from loss or theft and you have promptly reported to us when you knew that your Debit Card was lost or stolen. Zero Liability does not apply to Mastercard payment cards that are used for commercial purposes or anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us). In the event that Mastercard Zero Liability does not apply, if you notify us within two (2) business days after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used your Debit Card without your permission. If you do not notify us within two (2) business days after you learn of the loss or theft of your Debit Card and we can prove that we could have stopped someone from using your Debit Card without your permission if you had promptly notified us, you could lose as much as $500.00. Also, if you become aware of, or of and/or your Transaction Account statement shows transactions you did not make, notify us at once following the procedures stated in Section 17 XVIII (Your Right to Dispute Errors). If you do not notify us within sixty (60) days after you become aware of the transaction or and/or after the statement was made available to you, you may not get back any value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the value if you had notified us in time. You will not be liable for unauthorized use that occurs after you notify us of the loss, theft or unauthorized use of your Debit Card or Access Code(s). You also agree to cooperate completely with us and Servicer the Bank in attempts to recover funds from unauthorized users and to assist in their prosecution. The Bank may issue replacement Debit Card(s) or Access Code(s), but only after you have provided such proof and security or indemnification as the Bank may require. In addition, you acknowledge that the Bank may have to deactivate your Debit Card(s) or Transaction Account to prevent future losses. If you share your Debit Card(s) or Access Code(s) with another person, use of your Transaction Account Debit Card by that person may be considered as authorized. If you authorize another person to use your Debit Card or Access Code(s), you agree that you will be liable for all transactions arising from use of the Debit Card or Access Code(s) by such person except as otherwise set forth in this Agreement. In all cases, our liability for an unauthorized transaction is limited to reimbursing you for the face amount of the unauthorized transaction and any corresponding fees, except as otherwise required by applicable law. A transaction is unauthorized if it is not initiated by you, you did not give permission to make the transaction, transaction or you do not benefit from the transaction in any way.

Your Liability for Unauthorized Transactions. Tell us IMMEDIATELY if you believe your password has been lost or stolen and immediately change your password from within the Online Banking section. Calling is the best way to notify us. You agree to exercise reasonable control over could lose all the money in your PIN(s); user ID(s); and password(s) and any other access code related to account (plus your Transaction Account and your Card (each, an “Access Code"maximum courtesy pay). If you believe the Card or Access Code has been lost, compromised or stolen, immediately notify us verbally or via email by using the cardholder support contact information. If you believe the Card has been lost or stolen, or that someone has transferred money or may transfer money from your Transaction Account without your permission, notify us verbally or via email by using the cardholder support contact information. We may suspend or cancel your Card or corresponding Transaction Account in the event of excessive reports of Card loss or theft. Under the Mastercard Rules, you will not be held responsible for unauthorized transactions if you have used reasonable care in protecting your Card from loss or theft and you have promptly reported to us when you knew that your Card was lost or stolen. Zero Liability does not apply to Mastercard payment cards that are used for commercial purposes or anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us). In the event that Mastercard Zero Liability does not apply, if you notify tell us within two (2) business days after you learn of any unauthorized transactionsdays, you can lose no more than $50.00 50 if someone used your Card password without your permission. Also, if your statement shows transfers that you did not make, tell us at once. If you do not notify us within two (2) business days after you learn of the loss or theft of your Card and we can prove that we could have stopped someone from using your Card without your permission if you had promptly notified us, you could lose as much as $500.00. Also, if you become aware of, or your Transaction Account statement shows transactions you did not make, notify us at once following the procedures stated in Section 17 (Your Right to Dispute Errors). If you do not notify tell us within sixty (60) days after you become aware of the transaction or after the statement was made available mailed to you, you may not get back any value money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the value money if you had notified told us in time. You will not be liable for unauthorized use If you believe your password has been lost or stolen or that occurs someone has transferred or may transfer money from your account without your permission, call us at the telephone number listed below in the “How to Notify Us” section. Error Resolution In case of errors or questions about Online Banking; if you think your statement is wrong; or if you need more information about a transfer listed on the statement, call or write us at the telephone number or address listed in this disclosure, as soon as you can. We must hear from you no later than 60 days after we send the first statement on which the problem or error appeared. Include: • Your name and account number • Describe the error or the transfer you notify are unsure about, and explain as clearly as you can why you believe it is error or why you need more information • Tell us the dollar amount of the losssuspected error If you tell us orally, theft we may require that you send us your complaint or unauthorized use question in writing within 10 business days. We will tell you the results of your Card or Access Code(s). You also agree to cooperate completely with us our investigation within 10 business days after we hear from you and Servicer in attempts to recover funds from unauthorized users and to assist in their prosecution. The Bank may issue replacement Card(s) or Access Code(s), but only after you have provided such proof and security or indemnification as the Bank may require. In addition, you acknowledge that the Bank may have to deactivate your Card(s) or Transaction Account to prevent future losseswill correct any error promptly. If you share we need more time, however, we may take up to 45 days to investigate your Card(s) complaint or Access Code(s) with another person, use of your Transaction Account by that person may be considered as authorizedquestion. If we decide to do this we will re-credit your account within 10 business days for the amount you authorize another person to use your Card or Access Code(s)think is in error, you agree so that you will be liable for all transactions arising from have the use of the Card money during the time it takes us to complete our investigation. If we ask you to put your complaint or Access Code(s) by such person except as otherwise set forth questions in this Agreementwriting and we do not receive it within 10 business days, we may not re-credit your account. In all casesIf we decide that there was no error, we will send you a written explanation within three business days after we finish our liability investigation and your account will be adjusted accordingly. You may ask for an unauthorized transaction is limited to reimbursing you for the face amount copies of the unauthorized transaction and any corresponding fees, except as otherwise required by applicable law. A transaction is unauthorized if it is not initiated by you, you did not give permission to make the transaction, or you do not benefit from the transaction documents that we used in any wayour investigation.

Your Liability for Unauthorized Transactions. You agree to exercise reasonable control over your PIN(s); user ID(s); and password(s) and any other access code related to your Transaction Account and your Card (each, an “Access Code"). If you believe the Card or Access Code has been lost, compromised or stolen, immediately notify contact us verbally at [Insert phone number] or via email by using us at [Insert Email Address]. Telephoning is the cardholder support contact informationbest way to minimize your possible losses. If you believe the Card has been lost or stolen, stolen call [ ] or that someone has transferred money or may transfer money from your Transaction Account without your permission, notify us verbally or via email by using the cardholder support contact informationat [ ]. We may suspend or cancel your Card or corresponding Transaction Account in the event of excessive reports of Card loss or theft. Under the Mastercard Rules, you will not be held responsible for unauthorized transactions if you have used reasonable care in protecting your Card from loss or theft and you have promptly reported to us when you knew that your Card was lost or stolen. Zero Liability does not apply to Mastercard payment cards that are used for commercial purposes or anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us). In the event that Mastercard Zero Liability does not apply, if you notify us within two (2) business days after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used your Card 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 and we can prove that we could have stopped someone from using your Card without your permission if you had promptly notified us, you could lose as much as $500.00. Also, if you become aware of, or of and/or your Transaction Account statement shows transactions you did not make, notify us at once following the procedures stated in Section 17 XVIII (Your Right to Dispute Errors). If you do not notify us within sixty (60) days after you become aware of the transaction or and/or after the statement was made available to you, you may not get back any value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the value if you had notified us in time. You will not be liable for unauthorized use that occurs after you notify us of the loss, theft or unauthorized use of your Card or Access Code(s). You also agree to cooperate completely with us and Servicer the Bank in attempts to recover funds from unauthorized users and to assist in their prosecution. The Bank may issue replacement Card(s) or Access Code(s), but only after you have provided such proof and security or indemnification as the Bank may require. In addition, you acknowledge that the Bank may have to deactivate your Card(s) or Transaction Account to prevent future losses. If you share your Card(s) or Access Code(s) with another person, use of your Transaction Account Card by that person may be considered as authorized. If you authorize another person to use your Card or Access Code(s), you agree that you will be liable for all transactions arising from use of the Card or Access Code(s) by such person except as otherwise set forth in this Agreement. In all cases, our liability for an unauthorized transaction is limited to reimbursing you for the face amount of the unauthorized transaction and any corresponding fees, except as otherwise required by applicable law. A transaction is unauthorized if it is not initiated by you, you did not give permission to make the transaction, transaction or you do not benefit from the transaction in any way.

Your Liability for Unauthorized Transactions. You agree to exercise reasonable control over your PIN(s); user ID(s); and password(s) and any other access code related to your Transaction Account and safeguard your Card (eachand treat it like cash. Contact us at once if you believe your Card has been lost or stolen. Calling us immediately is the best way to minimize your possible losses. If your Card is lost or stolen, an “Access Code")and you have registered it at xxx.xxxxxx.xxx/xxxxxxxx, you may request a replacement Card. Only registered Cards can be replaced. If you believe the Card or Access Code has been lost, compromised or stolen, immediately notify us verbally or via email by using the cardholder support contact information. If you believe the your Card has been lost or stolen, or that someone has transferred money or may transfer money from your Transaction Account Card without your permission, call us at (000) 000-0000. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions on your Card is $0.00 if you notify us verbally promptly and you are not grossly negligent or via email by using the cardholder support contact information. We may suspend or cancel your Card or corresponding Transaction Account fraudulent in the event handling of excessive reports of Card loss or theftyour Card. Under the Mastercard Rules, you will not be held responsible for unauthorized transactions if you have used reasonable care in protecting your Card from loss or theft and you have promptly reported to us when you knew that your Card was lost or stolen. Zero Liability does not apply to Mastercard payment cards that are used for commercial purposes or anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us). In the event that Mastercard Zero Liability does not apply, if If you notify us within two (2) business days after you learn of any unauthorized Visa debit or non-Visa debit transactions, you can lose no will not be responsible for more than $50.00 if someone used your Card 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 and we can prove that we could have stopped someone from using your Card without your permission if you had promptly notified us, you could lose be responsible for as much as $500.00. Also, if you become aware of, or your Transaction Account statement transaction history (see section 9) shows transactions you did not make, notify us at once following the procedures stated in Section 17 (Your Right to Dispute Errors)once. If you do not notify us within sixty (60) days after you become aware of the transaction or after the statement history was first made available to youavailable, you may not get back any value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the value if you had notified us in time. We reserve the right to require a written statement and conduct an investigation into the validity of any request. You agree to cooperate with any investigation we may make. You will not be liable for unauthorized use that occurs after you notify transactions identified by us of the loss, theft or unauthorized use of as unauthorized. You acknowledge purchases made with your Card or Access Code(s)are similar to those made with cash. You also agree to cooperate completely with us and Servicer in attempts to recover funds from unauthorized users and to assist in their prosecutioncannot “stop payment” or lodge a “billing dispute” on such transactions. The Bank may issue replacement Card(s) Any problems or Access Code(s), but only after disputes you have provided such proof and security or indemnification as the Bank may require. In addition, you acknowledge that the Bank may have to deactivate your Card(s) or Transaction Account to prevent future losses. If you share your Card(s) or Access Code(s) regarding a purchase should be addressed directly with another person, use of your Transaction Account by that person may be considered as authorized. If you authorize another person to use your Card or Access Code(s), you agree that you will be liable for all transactions arising from use of the Card or Access Code(s) by such person except as otherwise set forth in this Agreement. In all cases, our liability for an unauthorized transaction is limited to reimbursing you for the face amount of the unauthorized transaction and any corresponding fees, except as otherwise required by applicable law. A transaction is unauthorized if it is not initiated by you, you did not give permission to make the transaction, or you do not benefit from the transaction in any waymerchant.

Your Liability for Unauthorized Transactions. You agree to exercise reasonable control over your PIN(s); user ID(s); and password(s) and any other access code related to your Transaction Account and your Card (each, an “Access Code"). If Tell us AT ONCE if you believe the your Card or Access Code has been lost, compromised or stolen, immediately notify us verbally or via email by using the cardholder support contact information. If you believe the Card Information has been lost or stolen, stolen or that someone has transferred money or may transfer money from your Transaction Account without your permission, notify us verbally or via email by using the cardholder support contact information. We may suspend or cancel your Card or corresponding Transaction Account in the event of excessive reports of Card loss or theft. Under the Mastercard Rules, you will not be held responsible for unauthorized transactions if you have used reasonable care in protecting your Card from loss or theft and you have promptly reported to us when you knew believe that your Card was lost or stolen. Zero Liability does not apply to Mastercard payment cards that are used for commercial purposes or anonymous prepaid cards (until such time as the identity of the cardholder a transaction has been registered with us). In the event that Mastercard Zero Liability does not apply, if you notify us within two (2) business days after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used your Card made without your permission. Your Card can be marked lost or stolen by telephoning us at 1-800-961- 5135. Reporting your card lost or stolen as soon as you are aware it’s missing is the best way to minimize your possible losses. You could lose all the money in your Account. If you do not notify tell us within two (2) business days after you learn of the loss or theft of your Card or Access Information you can lose no more than $50 if someone used your Card or Access Information 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 Access Information, and we can prove that we could have stopped someone from using your Card or Access Information without your permission if you had promptly notified told us, you could lose as much as $500.00500. If your Card is a MasterCard Card, you will not be liable for the amounts stated above provided that the following preconditions are met: (i) Your Card is in good standing; (ii) You have exercised reasonable care in safeguarding your Card from any Unauthorized Use (e.g. you were not grossly negligent or fraudulent in the handling of your Card); and You have not reported two or more unauthorized events in the past twelve (12) months. Also, if you become aware of, your online or your Transaction Account statement paper transaction history shows transactions transfers you did not make, notify including those made by Card, code or other means, tell us at once following the procedures stated in Section 17 (Your Right to Dispute Errors)once. If you do not notify tell us within sixty 60 days from the earlier of: (60i) days after the date you become aware of electronically access your Card Account, if the transaction unauthorized transfer could be viewed in your electronic history; or after (ii) the statement was made available to youdate we sent the FIRST written history on which the unauthorized transfer appeared, you may not get back any value money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the value money if you had notified told us in time. You If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. NOTE: MasterCard Zero Liability covers U.S.-issued cards only; and does not apply to ATM transactions, PIN transactions not processed by MasterCard, or certain commercial card transactions. Individual provisional credit amounts are provided on a provisional basis and may be liable for withheld, delayed, limited, or rescinded by the Servicer based on factors such as gross negligence or fraud, delay in reporting unauthorized use that occurs after you notify us use, investigation and verification of the loss, theft or unauthorized use of your Card or Access Code(s)claim and account standing and history. You also agree to cooperate completely with us and must notify the Servicer in attempts to recover funds from immediately of any unauthorized users and to assist in their prosecutionuse. The Bank transaction(s) at issue must be posted to your account before provisional credit may issue replacement Card(s) or Access Code(s), but only after you have provided such proof and security or indemnification as the Bank may require. In addition, you acknowledge that the Bank may have to deactivate your Card(s) or Transaction Account to prevent future lossesbe issued. If MasterCard Rules are changed to affect your liability, those changes will become applicable to your transactions under this Agreement upon notice to you share your Card(s) or Access Code(s) with another person, use of your Transaction Account as provided by that person may be considered as authorized. If you authorize another person to use your Card or Access Code(s), you agree that you will be liable for all transactions arising from use of the Card or Access Code(s) by such person except as otherwise set forth in this Agreement. In all cases, our liability for an unauthorized transaction is limited to reimbursing you for the face amount of the unauthorized transaction and any corresponding fees, except as otherwise required by applicable law. A transaction is unauthorized if it is not initiated by you, you did not give permission to make the transaction, or you do not benefit from the transaction in any way.

Your Liability for Unauthorized Transactions. You agree to exercise reasonable control over Except as otherwise stated herein, you are responsible for all transactions initiated through the use of your PIN(s); user ID(s); and password(s) Card, including any PIN-based transactions, any transactions initiated by presenting the Card number only and any other access code related to your Transaction Account and your Card (each, an “Access Code")authorized transactions initiated by someone else. If Notify us AT ONCE if you believe the your Personalized Card, Registered Temporary Card or Access Code has been lost, compromised or stolen, immediately notify us verbally or via email by using the cardholder support contact information. If you believe the Card Account login information has been lost or stolen, stolen or that someone has transferred money or may transfer money from your Transaction Account without your permission, notify us verbally or via email by using the cardholder support contact information. We may suspend or cancel your Card or corresponding Transaction Account in the event of excessive reports of Card loss or theft. Under the Mastercard Rules, you will not be held responsible for unauthorized transactions if you have used reasonable care in protecting your Card from loss or theft and you have promptly reported to us when you knew believe that your Card was lost or stolen. Zero Liability does not apply to Mastercard payment cards that are used for commercial purposes or anonymous prepaid cards (until such time as the identity of the cardholder a transaction has been registered with us). In the event that Mastercard Zero Liability does not apply, if you notify us within two (2) business days after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used your Card made without your permission. If Your Card is lost or stolen, you do not can block it online at xxx.XxxxxxxxxXxxxxx.xxx, or by calling us at 000-000-0000. If your Card is registered and you notify us within two (2) business days after you learn of the loss or theft of your Card or Card Account login information, your losses will be limited to $50 or such other amount provided by law, if your Card Account suffers losses of at least that amount due to unauthorized usage. If you DO NOT tell us within two (2) business days after you learn of the loss or theft of your Registered Temporary or Personalized Card or your Card Account Access Information, and we can prove that we you suffer losses due to unauthorized usage, then you may be liable up to $500, or such other amount provided by law, if such losses could have stopped someone from using your Card without your permission if been prevented had you had promptly timely notified us, you could lose as much as $500.00. Also, if you become aware of, or your Transaction Account statement shows transactions transfers you did not make, including those made with a Registered Temporary Card, Personalized Card, code or other means, notify us at once following the procedures stated in Section 17 (Your Right to Dispute Errors)once. If you do not notify us within sixty (60) 60 days after you become aware from the earlier of the transaction date you electronically access your Card Account, if the unauthorized transfer could be viewed in your electronic history, or after the statement was made available to youdate we sent the FIRST written history on which the unauthorized transfer appeared, you may not get back any value money you lost after the sixty (60) 60 days if we can prove that we could have stopped someone from taking the value money if you had timely notified us us. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods, in timeour sole discretion or as required by law or rule. If your Card has been lost or stolen, once notified, we will close your Card Account to keep losses down and will send a replacement card. There is a fee for replacing your Card. For information about the fee, see the Fee Schedule Table above. You may have additional rights under the Visa Zero Liability policy described below, and in some instances such rules provide that you will not be liable for unauthorized use that occurs after you notify us of the loss, theft or unauthorized use of your Card or Access Code(s). You also agree to cooperate completely with us and Servicer in attempts to recover funds from unauthorized users and to assist in their prosecution. The Bank may issue replacement Card(s) or Access Code(s), but only after you have provided such proof and security or indemnification as the Bank may require. In addition, you acknowledge that the Bank may have to deactivate your Card(s) or Transaction Account to prevent future lossesCard. If you share your Card(s) or Access Code(s) with another person, use of your Transaction Account by that person may be considered as authorized. If you authorize another person to use have not successfully registered your Card or Access Code(s), you agree that you will be are liable for all ALL transactions arising from use of the Card or Access Code(s) by such person except as otherwise set forth in this Agreement. In all cases, our liability for an unauthorized transaction is limited to reimbursing you for the face amount of the unauthorized transaction and any corresponding fees, except as otherwise required by applicable law. A transaction is unauthorized if it is not initiated by you, you did not give permission to make the transaction, or you do not benefit from the transaction in any waythat have taken place on your Card.

Your Liability for Unauthorized Transactions. You agree to exercise reasonable control over your PIN(s); Access Code(s); user ID(s); and password(s) and any other access code method related to your Transaction Account and Card Account. Tell us AT ONCE if you believe your Card (each, an “Access Code"). If you believe the Card or Access Code has been lost, compromised or stolen, immediately notify us verbally or via email by using the cardholder support contact information. If you believe the Card PIN has been lost or stolen, or if you believe that someone an electronic fund transfer has transferred money or may transfer money been made without your permission using information from your Transaction Account without Card. Telephoning is the best way of keeping your permission, notify us verbally or via email by using possible losses down. You could lose all the cardholder support contact information. We may suspend or cancel money in your Card or corresponding Transaction Account in the event of excessive reports of Card loss or theft. Under the Mastercard Rules, you will not be held responsible for unauthorized transactions if you have used reasonable care in protecting your Card from loss or theft and you have promptly reported to us when you knew that your Card was lost or stolen. Zero Liability does not apply to Mastercard payment cards that are used for commercial purposes or anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us). In the event that Mastercard Zero Liability does not apply, if you notify us within two (2) business days after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used your Card without your permissionaccount. If you do not notify tell us within two (2) 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 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 promptly notified told us, you could lose as much as $500.00. Also, if you become aware of, or your Transaction Account statement shows transactions you did not make, notify us at once following the procedures stated in Section 17 (Your Right to Dispute Errors)500. If you do not notify tell us within sixty (60) 60 days after you become aware the earlier of the transaction date you electronically access your account, if the error could be viewed in your electronic history, or after the statement was made available to youdate we sent the FIRST written history on which the error appeared, you may not get back any value money you lost after the sixty (60) 60 days if we can prove that we could have stopped someone from taking the value money if you had notified 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 believe your Card or PIN has been lost or stolen, call or email Card Services. You should also call the number or email the address listed at the beginning of this document if you believe an unauthorized transfer has been made using the information from your Card without your permission. You will not be liable for unauthorized use that occurs after you notify us of the loss, theft or unauthorized use of your Card or Access Code(s). You also agree to cooperate completely with us and Servicer in attempts to recover funds from unauthorized users and to assist in their prosecution. The Bank We may issue replacement Card(s) or Access Code(s) (PIN(s)), but only after you have provided such proof and security or indemnification as the Bank we may require. In addition, you acknowledge that the Bank we may have to deactivate your Card(s) or Transaction and/or Card Account to prevent future losses. If you share your Card(s) or Access Code(s) (PIN(s)) with another person, use of your Transaction Card Account by that person may be considered as authorized. If you authorize another person to use your Card or Access Code(s) (PIN(s)), you agree that you will be liable for all transactions arising from use of the Card or Access Code(s) (PIN(s)) by such person except as otherwise set forth in this Agreement. In all cases, our liability for an unauthorized transaction is limited to reimbursing you for the face amount of the unauthorized transaction and any corresponding fees, except as otherwise required by applicable law. A transaction is unauthorized if it is not initiated by you, you did not give permission to make the transaction, or transaction and you do not benefit from the transaction in any way.

Your Liability for Unauthorized Transactions. You agree to exercise reasonable control over your PIN(s); user ID(s); and password(s) and any other access code related to your Transaction Account and your Card (each, an “Access Code"). If Tell us AT ONCE if you believe the your ATM Card or VISA Debit Card or PIN or e-Bear Online Service/ TeleBearSM Access Code has been lost, compromised stolen or stolen, immediately notify us verbally or via email discovered by using an unauthorized person. Telephoning is the cardholder support contact informationbest way of keeping your possible losses down. You could lose all the money in your account. If you believe the Card has been lost or stolen, or that someone has transferred money or may transfer money from your Transaction Account without your permission, notify us verbally or via email by using the cardholder support contact information. We may suspend or cancel your Card or corresponding Transaction Account in the event of excessive reports of Card loss or theft. Under the Mastercard Rules, you will not be held responsible for unauthorized transactions if you have used reasonable care in protecting your Card from loss or theft and you have promptly reported to us when you knew that your Card was lost or stolen. Zero Liability does not apply to Mastercard payment cards that are used for commercial purposes or anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us). In the event that Mastercard Zero Liability does not apply, if you notify tell us within two (2) business days after you learn of any unauthorized transactionsdays, you can lose no more than $50.00 50 if someone used your ATM Card or VISA Debit Card and/or PIN or e-Bear Online Service/TeleBearSM Access Code without your permission. If you do not notify tell us within two (2) business days after you learn of the loss or theft of your ATM or Debit Card or PIN or e-Bear Online Service/TeleBear Access Code, and we can prove that we could have stopped someone from using your Card Card, PIN or Access Code without your permission if you had promptly notified told us, you could can lose as much as $500.00500. Also, if you become aware of, or your Transaction Account statement shows transactions that you did not make, notify tell us at once following the procedures stated in Section 17 (Your Right to Dispute Errors)once. If you do not notify tell us within sixty (60) days after you become aware of the transaction or after the statement was made available mailed to you, you may not get back any value money you lost after the sixty (60) days days, if we can prove that we could have stopped someone from taking the value money if you had notified told us in time. You If a good reason (such as a long trip or hospital stay) kept you from telling us, we will not be liable for unauthorized use that occurs after you notify us of extend the loss, theft or unauthorized use of your Card or Access Code(s). You also agree to cooperate completely with us and Servicer in attempts to recover funds from unauthorized users and to assist in their prosecution. The Bank may issue replacement Card(s) or Access Code(s), but only after you have provided such proof and security or indemnification as the Bank may require. In addition, you acknowledge that the Bank may have to deactivate your Card(s) or Transaction Account to prevent future losses. If you share your Card(s) or Access Code(s) with another person, use of your Transaction Account by that person may be considered as authorizedtime periods. If you authorize another person someone else to use your VISA Debit Card or ATM Card or PIN or e-Bear Online Service/TeleBear Access Code(s), Code you agree that you will be liable are responsible for all transactions arising from use of that person initiates at any time, even if the Card or Access Code(s) by such person except as otherwise set forth in this Agreement. In all cases, our liability for an unauthorized transaction is limited to reimbursing you for the face amount of the unauthorized transaction and any corresponding fees, except as otherwise required by applicable law. A transaction is unauthorized if it is not initiated by you, exceeds what you did not give permission to make the transaction, or you do not benefit from the transaction in any wayauthorize.

Your Liability for Unauthorized Transactions. You agree to exercise reasonable control over Except as otherwise stated herein, you are responsible for all transactions initiated through the use of your PIN(s); user ID(s); and password(s) Card, including any PIN-based transactions, any transactions initiated by presenting the Card number only and any other access code related to your Transaction Account and your Card (each, an “Access Code")authorized transactions initiated by someone else. If you believe the your Card or Access Code has been lost, compromised or stolen, immediately notify us verbally or via email by using the cardholder support contact information. If you believe the Card Information has been lost or stolen, call the number or that someone write to the address listed in the “Contact Information” section below. You should also call the number or write to the address listed in the “Contact Information” section below if you believe a transfer has transferred money or may transfer money from your Transaction Account without your permission, notify us verbally or via email by been made using the cardholder support contact information. We may suspend or cancel information from your Card or corresponding Transaction Account in the event of excessive reports of Card loss or theft. Under the Mastercard Rules, you will not be held responsible for unauthorized transactions if you have used reasonable care in protecting your Card from loss or theft and you have promptly reported to us when you knew that your Card was lost or stolen. Zero Liability does not apply to Mastercard payment cards that are used for commercial purposes or anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us). In the event that Mastercard Zero Liability does not apply, if you notify us within two (2) business days after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used your Card Access Information without your permission. Tell us AT ONCE if you believe your Card or Access Information has been lost or stolen or if you believe that a transaction has been made without your permission. Your card can be marked lost or stolen via ITS My Mobile App, online at xxx.xxxxxxxxxxxx.xxx or by telephoning us are the best ways to minimize your possible losses. You could lose all the money in your account. If you do not notify tell us within two (2) business days after you learn of the loss or theft of your Card or Access Information you can lose no more than $50 if someone used your Card or Access Information 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 Access Information, and we can prove that we could have stopped someone from using your Card or Access Information without your permission if you had promptly notified told us, you could lose as much as $500.00500. Also, if you become aware of, or your Transaction Account statement shows transactions transfers you did not make, notify including those made by Card, code or other means, tell us at once following the procedures stated in Section 17 (Your Right to Dispute Errors)once. If you do not notify tell us within sixty (60) 60 days after you become aware from the earlier of the transaction date you electronically access your Card Account, if the unauthorized transfer could be viewed in your electronic history, or after the statement was made available to youdate we sent the FIRST written history on which the unauthorized transfer appeared, you may not get back any value money you lost after the sixty (60) 60 days if we can prove that we could have stopped someone from taking the value money if you had notified 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 may have additional rights under the Visa Zero Liability policy described above, and in some instances such rules provide that you will not be liable for unauthorized use that occurs after you notify us of the loss, theft or unauthorized use of your Card or Access Code(s). You also agree to cooperate completely with us and Servicer in attempts to recover funds from unauthorized users and to assist in their prosecution. The Bank may issue replacement Card(s) or Access Code(s), but only after you have provided such proof and security or indemnification as the Bank may require. In addition, you acknowledge that the Bank may have to deactivate your Card(s) or Transaction Account to prevent future losses. If you share your Card(s) or Access Code(s) with another person, use of your Transaction Account by that person may be considered as authorized. If you authorize another person to use your Card or Access Code(s), you agree that you will be liable for all transactions arising from use of the Card or Access Code(s) by such person except as otherwise set forth in this Agreement. In all cases, our liability for an unauthorized transaction is limited to reimbursing you for the face amount of the unauthorized transaction and any corresponding fees, except as otherwise required by applicable law. A transaction is unauthorized if it is not initiated by you, you did not give permission to make the transaction, or you do not benefit from the transaction in any wayCard.

Your Liability for Unauthorized Transactions. You agree to exercise reasonable control over your PIN(s); user ID(s); and password(s) and any other access code related to your Transaction Account and your Card (each, an “Access Code"). If Tell us AT ONCE if you believe the your Card or Access Code has been lost, compromised or stolen, immediately notify us verbally or via email by using the cardholder support contact information. If you believe the Card Information has been lost or stolen, stolen or that someone has transferred money or may transfer money from your Transaction Account without your permission, notify us verbally or via email by using the cardholder support contact information. We may suspend or cancel your Card or corresponding Transaction Account in the event of excessive reports of Card loss or theft. Under the Mastercard Rules, you will not be held responsible for unauthorized transactions if you have used reasonable care in protecting your Card from loss or theft and you have promptly reported to us when you knew believe that your Card was lost or stolen. Zero Liability does not apply to Mastercard payment cards that are used for commercial purposes or anonymous prepaid cards (until such time as the identity of the cardholder a transaction has been registered with us). In the event that Mastercard Zero Liability does not apply, if you notify us within two (2) business days after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used your Card made without your permission. Your Card can be marked lost or stolen by telephoning us at 1-800- 824-9713. Reporting your card lost or stolen as soon as you are aware it’s missing is the best way to minimize your possible losses. You could lose all the money in your Account. If you do not notify tell us within two (2) business days after you learn of the loss or theft of your Card or Access Information you can lose no more than $50 if someone used your Card or Access Information 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 Access Information, and we can prove that we could have stopped someone from using your Card or Access Information without your permission if you had promptly notified told us, you could lose as much as $500.00500. If your Card is a MasterCard Card, you will not be liable for the amounts stated above provided that the following preconditions are met: (i) Your Card is in good standing; (ii) You have exercised reasonable care in safeguarding your Card from any Unauthorized Use (e.g. you were not grossly negligent or fraudulent in the handling of your Card); and You have not reported two or more unauthorized events in the past twelve (12) months. Also, if you become aware of, your online or your Transaction Account statement paper transaction history shows transactions transfers you did not make, notify including those made by Card, code or other means, tell us at once following the procedures stated in Section 17 (Your Right to Dispute Errors)once. If you do not notify tell us within sixty 60 days from the earlier of: (60i) days after the date you become aware of electronically access your Card Account, if the transaction unauthorized transfer could be viewed in your electronic history; or after (ii) the statement was made available to youdate we sent the FIRST written history on which the unauthorized transfer appeared, you may not get back any value money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the value money if you had notified told us in time. You If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. NOTE: MasterCard Zero Liability covers U.S.-issued cards only; and does not apply to ATM transactions, PIN transactions not processed by MasterCard, or certain commercial card transactions. Individual provisional credit amounts are provided on a provisional basis and may be liable for withheld, delayed, limited, or rescinded by the Servicer based on factors such as gross negligence or fraud, delay in reporting unauthorized use that occurs after you notify us use, investigation and verification of the loss, theft or unauthorized use of your Card or Access Code(s)claim and account standing and history. You also agree to cooperate completely with us and must notify the Servicer in attempts to recover funds from immediately of any unauthorized users and to assist in their prosecutionuse. The Bank transaction(s) at issue must be posted to your account before provisional credit may issue replacement Card(s) or Access Code(s), but only after you have provided such proof and security or indemnification as the Bank may require. In addition, you acknowledge that the Bank may have to deactivate your Card(s) or Transaction Account to prevent future lossesbe issued. If MasterCard Rules are changed to affect your liability, those changes will become applicable to your transactions under this Agreement upon notice to you share your Card(s) or Access Code(s) with another person, use of your Transaction Account as provided by that person may be considered as authorized. If you authorize another person to use your Card or Access Code(s), you agree that you will be liable for all transactions arising from use of the Card or Access Code(s) by such person except as otherwise set forth in this Agreement. In all cases, our liability for an unauthorized transaction is limited to reimbursing you for the face amount of the unauthorized transaction and any corresponding fees, except as otherwise required by applicable law. A transaction is unauthorized if it is not initiated by you, you did not give permission to make the transaction, or you do not benefit from the transaction in any way.

Your Liability for Unauthorized Transactions. You agree to exercise reasonable control over your If you believe the Debit Card or PIN(s); user ID(s); and password(s) and any other access code related to your Transaction Account and your Debit Card (each, an “Access Code"). If you believe the Card or Access Code ”) has been lost, compromised or stolen, immediately notify contact us verbally at 000-000-0000 or via email by using us at xxx@xxxxx.xxx. Telephoning is the cardholder support contact informationbest way to minimize your possible losses. You could lose all the money in your Funding Source. If you believe the Debit Card has been lost or stolen, or that someone has transferred money or may transfer money from your Transaction Account without your permission, notify us verbally or via stolen call 000-000-0000 for email by using the cardholder support contact information. We may suspend or cancel your Card or corresponding Transaction Account in the event of excessive reports of Card loss or theftat xxx@xxxxx.xxx. Under the Mastercard Rules, particularly Zero Liability, you will not be held responsible for unauthorized transactions if you have used reasonable care in protecting your Debit Card from loss or theft and you have promptly reported to us when you knew that your Debit Card was lost or stolen. Zero Liability does not apply to Mastercard payment cards that are used for commercial purposes or anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us)cards. In the event that Mastercard Zero Liability does not apply, if you notify tell us within two (2) business days after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used your Card without your permission. If you do not notify us within two (2) 2 business days after you learn of the loss or theft of your Card or Access Code, you can lose no more than $50 if someone used your Debit Card or Access Code without your permission. If you do NOT notify us within 2 business days after you learn of the loss or theft of your Debit Card or Access Code and we can prove that we could have stopped someone from using your Debit Card or Access Code without your permission if you had promptly notified us, you could lose as much as $500.00500. Also, if you become aware of, or your Transaction Account statement shows transactions that you did not make, notify including those made by Debit Card, Access Code or other means, tell us at once following the procedures stated in Section 17 (Your Right to Dispute Errors)once. If you do not notify tell us within sixty (60) 60 days after you become aware of the transaction or after the statement was made available sent to you, you may not get back any value money you lost after the sixty (60) 60 days if we can prove that we could have stopped someone from taking the value money if you had notified told us in time. You If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will not be liable for unauthorized use that occurs after extend the time periods. Subject to applicable law, you notify us of the loss, theft or unauthorized use of your Card or Access Code(s). You also agree to cooperate completely with us and Servicer in attempts to recover funds from unauthorized users and to assist in their prosecution. The Bank may issue replacement Debit Card(s) or Access Code(s), but only after you have provided such proof and security or indemnification as the Bank may require. In addition, you acknowledge that the Bank may have to deactivate your Debit Card(s) or Transaction Account to prevent future losses. If you share your Debit Card(s) or Access Code(s) with another person, use of your Transaction Account Debit Card by that person may be considered as authorized. If you authorize another person to use your Debit Card or Access Code(s), you agree that you will be liable for all transactions arising from use of the Debit Card or Access Code(s) by such person except as otherwise set forth in this Agreement. In all cases, our liability for an unauthorized transaction is limited to reimbursing you for the face amount of the unauthorized transaction and any corresponding fees, except as otherwise required by applicable law. A transaction is unauthorized if it is not initiated by you, you did not give permission to make the transaction, transaction or you do not benefit from the transaction in any way.

Your Liability for Unauthorized Transactions. You agree to exercise reasonable control over your PIN(s); user ID(s); and password(s) and any other access code related to your Transaction Account and your Card (each, an “Access Code"). If you believe the Card or Access Code has been lost, compromised or stolen, immediately notify us verbally or via email by using the cardholder support contact information. If you believe the your Card has been lost or stolen or you believe a transaction has been made without your permission using information from your Card or Account or you believe your Account credentials have been used without your permission tell us AT ONCE, and FREEZE the relevant Card(s) via the GoodCash Application. Reporting your Card lost or stolen, and any unauthorized or that someone has transferred unexpected activity to xxxxxxx@xxxxxxxx.xxx as soon as possible is the best way of keeping your possible losses down. If you do not report a lost or stolen card, or an unauthorized transaction to us promptly, you could lose all the money or may transfer money from in your Transaction Account without and your permission, notify us verbally or via email by using the cardholder support contact informationFunding Account. We may suspend or cancel your Card or and corresponding Transaction Account in the event of excessive reports of Card loss or theft. Under You agree that any unauthorized use does not include use by a person to whom you have given authority to use the Mastercard Rules, Card or PIN and that you will not be held responsible liable for unauthorized transactions all such uses by such person. For example, if you have used reasonable care in protecting given your Card from loss or theft Card information to another person to use, such as a friend or relative, you are responsible for that person's transactions with your Card, and if you have promptly reported to us when you knew that given your Card was lost or stoleninformation to a merchant for a transaction, you have given authority to that merchant to debit the Card for that transaction. Zero Liability does not apply to Mastercard payment cards that are used for commercial purposes or anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us). In the event that Mastercard Zero Liability does not apply, if If you notify tell us within two (2) business days after you learn of any unauthorized transactionsthe loss or theft of your Card, you can lose no more than $50.00 50 if someone used your Card without your permission. If you do not notify NOT tell us within two (2) business days after you learn of the loss or theft of your Card Card, and we can prove that we could have stopped someone from using your Card Card, without your permission if you had promptly notified told us, you could lose as much as $500.00500. Also, if you become aware of, your periodic statement (if applicable) or your Transaction Account statement transaction history (if applicable) shows transactions you did not make, notify us GoodCash at once following the procedures stated in Section 17 (Your Right to Dispute Errors)C.3 of this Agreement. If you do not notify us GoodCash within sixty (60) days after you become aware of the transaction periodic statement or after the statement account history (if applicable) was sent or made available to you, you may not get back any value money you lost after the sixty (60) days if we GoodCash can prove that we could have stopped someone from taking the value if you had notified us GoodCash in time. You will not If a good reason (such as a long trip or hospital stay) kept you from telling us, GoodCash may extend the time periods. If the Card has been lost or stolen, the Card may be liable for unauthorized use that occurs after you notify us of blocked to keep losses down and/or, if there is a physical card associated with the lossaccount, theft or unauthorized use of your Card or Access Code(s)a replacement may be sent to you. You also agree to cooperate completely reasonably with us and Servicer the Issuer in our attempts to recover funds from unauthorized users from, and to assist in their prosecution. The Bank may issue replacement Card(s) or Access Code(s)the prosecution of, but only after you have provided such proof and security or indemnification as the Bank may require. In addition, you acknowledge that the Bank may have to deactivate your Card(s) or Transaction Account to prevent future losses. If you share your Card(s) or Access Code(s) with another person, use any unauthorized users of your Transaction Account by that person may be considered as authorized. If you authorize another person to use your Card or Access Code(s), you agree that you will be liable for all transactions arising from use of the Card or Access Code(s) by such person except as otherwise set forth in this Agreement. In all cases, our liability for an unauthorized transaction is limited to reimbursing you for the face amount of the unauthorized transaction and any corresponding fees, except as otherwise required by applicable law. A transaction is unauthorized if it is not initiated by you, you did not give permission to make the transaction, or you do not benefit from the transaction in any wayCard.

Your Liability for Unauthorized Transactions. You agree to exercise reasonable control over your PIN(s); user ID(s); and password(s) and any other access code related to your Transaction Account and your Card (each, an “Access Code"). If Tell us AT ONCE if you believe the your Card or Access Code has been lost, compromised or stolen, immediately notify us verbally or via email by using the cardholder support contact information. If you believe the Card Information has been lost or stolen, stolen or that someone has transferred money or may transfer money from your Transaction Account without your permission, notify us verbally or via email by using the cardholder support contact information. We may suspend or cancel your Card or corresponding Transaction Account in the event of excessive reports of Card loss or theft. Under the Mastercard Rules, you will not be held responsible for unauthorized transactions if you have used reasonable care in protecting your Card from loss or theft and you have promptly reported to us when you knew believe that your Card was lost or stolen. Zero Liability does not apply to Mastercard payment cards that are used for commercial purposes or anonymous prepaid cards (until such time as the identity of the cardholder a transaction has been registered with us). In the event that Mastercard Zero Liability does not apply, if you notify us within two (2) business days after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used your Card made without your permission. Your Card can be marked lost or stolen by telephoning us at 1-800- 384-2054. Reporting your card lost or stolen as soon as you are aware it’s missing is the best way to minimize your possible losses. You could lose all the money in your Account. If you do not notify tell us within two (2) business days after you learn of the loss or theft of your Card or Access Information you can lose no more than $50 if someone used your Card or Access Information 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 Access Information, and we can prove that we could have stopped someone from using your Card or Access Information without your permission if you had promptly notified told us, you could lose as much as $500.00500. If your Card is a MasterCard Card, you will not be liable for the amounts stated above provided that the following preconditions are met: (i) Your Card is in good standing; (ii) You have exercised reasonable care in safeguarding your Card from any Unauthorized Use (e.g. you were not grossly negligent or fraudulent in the handling of your Card); and You have not reported two or more unauthorized events in the past twelve (12) months. Also, if you become aware of, your online or your Transaction Account statement paper transaction history shows transactions transfers you did not make, notify including those made by Card, code or other means, tell us at once following the procedures stated in Section 17 (Your Right to Dispute Errors)once. If you do not notify tell us within sixty 60 days from the earlier of: (60i) days after the date you become aware of electronically access your Card Account, if the transaction unauthorized transfer could be viewed in your electronic history; or after (ii) the statement was made available to youdate we sent the FIRST written history on which the unauthorized transfer appeared, you may not get back any value money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the value money if you had notified told us in time. You If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. NOTE: MasterCard Zero Liability covers U.S.-issued cards only; and does not apply to ATM transactions, PIN transactions not processed by MasterCard, or certain commercial card transactions. Individual provisional credit amounts are provided on a provisional basis and may be liable for withheld, delayed, limited, or rescinded by the Servicer based on factors such as gross negligence or fraud, delay in reporting unauthorized use that occurs after you notify us use, investigation and verification of the loss, theft or unauthorized use of your Card or Access Code(s)claim and account standing and history. You also agree to cooperate completely with us and must notify the Servicer in attempts to recover funds from immediately of any unauthorized users and to assist in their prosecutionuse. The Bank transaction(s) at issue must be posted to your account before provisional credit may issue replacement Card(s) or Access Code(s), but only after you have provided such proof and security or indemnification as the Bank may require. In addition, you acknowledge that the Bank may have to deactivate your Card(s) or Transaction Account to prevent future lossesbe issued. If MasterCard Rules are changed to affect your liability, those changes will become applicable to your transactions under this Agreement upon notice to you share your Card(s) or Access Code(s) with another person, use of your Transaction Account as provided by that person may be considered as authorized. If you authorize another person to use your Card or Access Code(s), you agree that you will be liable for all transactions arising from use of the Card or Access Code(s) by such person except as otherwise set forth in this Agreement. In all cases, our liability for an unauthorized transaction is limited to reimbursing you for the face amount of the unauthorized transaction and any corresponding fees, except as otherwise required by applicable law. A transaction is unauthorized if it is not initiated by you, you did not give permission to make the transaction, or you do not benefit from the transaction in any way.

Your Liability for Unauthorized Transactions. You agree to exercise reasonable control over your PIN(s); user ID(s); and password(s) and any other access code related to your Transaction Account and Tell us AT ONCE if you believe your Card (each, an “Access Code"). If you believe the Card or Access Code has been lost, compromised or stolen, immediately notify us verbally or via email by using the cardholder support contact information. If you believe the Card PIN has been lost or stolen, or if you believe that someone an electronic fund transfer has transferred money or may transfer money been made without your permission using information from your Transaction Account without Card. Telephoning is the best way of keeping your permission, notify us verbally or via email by using possible losses down. You could lose all the cardholder support contact information. We may suspend or cancel money in your Card or corresponding Transaction Account in the event of excessive reports of Card loss or theft. Under the Mastercard Rules, you will not be held responsible for unauthorized transactions if you have used reasonable care in protecting your Card from loss or theft and you have promptly reported to us when you knew that your Card was lost or stolen. Zero Liability does not apply to Mastercard payment cards that are used for commercial purposes or anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us). In the event that Mastercard Zero Liability does not apply, if you notify us within two (2) business days after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used your Card without your permissionaccount. If you do not notify tell us within two (2) 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 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 promptly notified told us, you could lose as much as $500.00500. Also, if you become aware of, or your Transaction Account statement shows transactions transfers that you did not make, notify including those made by Card, code or other means, tell us at once following the procedures stated in Section 17 (Your Right to Dispute Errors)once. If you do not notify tell us within sixty (60) 60 days after you become aware the earlier of the transaction date you electronically access your account, if the error could be viewed in your electronic history, or after the statement was made available to youdate we sent the FIRST written history on which the error appeared, you may not get back any value money you lost after the sixty (60) 60 days if we can prove that we could have stopped someone from taking the value money if you had notified told us in time. You If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will not be liable for unauthorized use that occurs after extend the time periods. If you notify us of the loss, theft or unauthorized use of believe your Card or Access Code(s)PIN has been lost or stolen, call: 000-000-0000 or write to us at PO Box 1484, Easton, PA 18044. You should also agree call the number or write to cooperate completely with us and Servicer in attempts to recover funds the address listed above if you believe an unauthorized transfer has been made using the information from unauthorized users and to assist in their prosecution. The Bank may issue replacement Card(s) or Access Code(s), but only after you have provided such proof and security or indemnification as the Bank may require. In addition, you acknowledge that the Bank may have to deactivate your Card(s) or Transaction Account to prevent future losses. If you share your Card(s) or Access Code(s) with another person, use of your Transaction Account by that person may be considered as authorized. If you authorize another person to use your Card or Access Code(s), you agree that you will be liable for all transactions arising from use of the Card or Access Code(s) by such person except as otherwise set forth in this Agreement. In all cases, our liability for an unauthorized transaction is limited to reimbursing you for the face amount of the unauthorized transaction and any corresponding fees, except as otherwise required by applicable law. A transaction is unauthorized if it is not initiated by you, you did not give permission to make the transaction, or you do not benefit from the transaction in any waywithout your permission.

Your Liability for Unauthorized Transactions. You agree to exercise reasonable control over your PIN(s); user ID(s); and password(s) and any other access code related to your Transaction Account and your Card (each, an “Access Code"). If Tell us AT ONCE if you believe the your Card or Access Code has been lost, compromised or stolen, immediately notify us verbally or via email by using the cardholder support contact information. If you believe the Card Information has been lost or stolen, stolen or that someone has transferred money or may transfer money from your Transaction Account without your permission, notify us verbally or via email by using the cardholder support contact information. We may suspend or cancel your Card or corresponding Transaction Account in the event of excessive reports of Card loss or theft. Under the Mastercard Rules, you will not be held responsible for unauthorized transactions if you have used reasonable care in protecting your Card from loss or theft and you have promptly reported to us when you knew believe that your Card was lost or stolen. Zero Liability does not apply to Mastercard payment cards that are used for commercial purposes or anonymous prepaid cards (until such time as the identity of the cardholder a transaction has been registered with us). In the event that Mastercard Zero Liability does not apply, if you notify us within two (2) business days after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used your Card made without your permission. Your Card can be marked lost or stolen by telephoning us at 1-800-688- 9140. Reporting your card lost or stolen as soon as you are aware it’s missing is the best way to minimize your possible losses. You could lose all the money in your Account. If you do not notify tell us within two (2) business days after you learn of the loss or theft of your Card or Access Information you can lose no more than $50 if someone used your Card or Access Information 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 Access Information, and we can prove that we could have stopped someone from using your Card or Access Information without your permission if you had promptly notified told us, you could lose as much as $500.00500. If your Card is a MasterCard Card, you will not be liable for the amounts stated above provided that the following preconditions are met: (i) Your Card is in good standing; (ii) You have exercised reasonable care in safeguarding your Card from any Unauthorized Use (e.g. you were not grossly negligent or fraudulent in the handling of your Card); and You have not reported two or more unauthorized events in the past twelve (12) months. Also, if you become aware of, your online or your Transaction Account statement paper transaction history shows transactions transfers you did not make, notify including those made by Card, code or other means, tell us at once following the procedures stated in Section 17 (Your Right to Dispute Errors)once. If you do not notify tell us within sixty 60 days from the earlier of: (60i) days after the date you become aware of electronically access your Card Account, if the transaction unauthorized transfer could be viewed in your electronic history; or after (ii) the statement was made available to youdate we sent the FIRST written history on which the unauthorized transfer appeared, you may not get back any value money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the value money if you had notified told us in time. You If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. NOTE: MasterCard Zero Liability covers U.S.-issued cards only; and does not apply to ATM transactions, PIN transactions not processed by MasterCard, or certain commercial card transactions. Individual provisional credit amounts are provided on a provisional basis and may be liable for withheld, delayed, limited, or rescinded by the Servicer based on factors such as gross negligence or fraud, delay in reporting unauthorized use that occurs after you notify us use, investigation and verification of the loss, theft or unauthorized use of your Card or Access Code(s)claim and account standing and history. You also agree to cooperate completely with us and must notify the Servicer in attempts to recover funds from immediately of any unauthorized users and to assist in their prosecutionuse. The Bank transaction(s) at issue must be posted to your account before provisional credit may issue replacement Card(s) or Access Code(s), but only after you have provided such proof and security or indemnification as the Bank may require. In addition, you acknowledge that the Bank may have to deactivate your Card(s) or Transaction Account to prevent future lossesbe issued. If MasterCard Rules are changed to affect your liability, those changes will become applicable to your transactions under this Agreement upon notice to you share your Card(s) or Access Code(s) with another person, use of your Transaction Account as provided by that person may be considered as authorized. If you authorize another person to use your Card or Access Code(s), you agree that you will be liable for all transactions arising from use of the Card or Access Code(s) by such person except as otherwise set forth in this Agreement. In all cases, our liability for an unauthorized transaction is limited to reimbursing you for the face amount of the unauthorized transaction and any corresponding fees, except as otherwise required by applicable law. A transaction is unauthorized if it is not initiated by you, you did not give permission to make the transaction, or you do not benefit from the transaction in any way.

Your Liability for Unauthorized Transactions. You agree to exercise reasonable control over your PIN(s); Access Code(s); user ID(s); and password(s) and any other access code method related to your Transaction Account and Card Account. Tell us AT ONCE if you believe your Card (each, an “Access Code"). If you believe the Card or Access Code has been lost, compromised or stolen, immediately notify us verbally or via email by using the cardholder support contact information. If you believe the Card PIN has been lost or stolen, or if you believe that someone an electronic fund transfer has transferred money or may transfer money been made without your permis- sion using information from your Transaction Account without Card. Telephoning is the best way of keeping your permission, notify us verbally or via email by using possible losses down. You could lose all the cardholder support contact information. We may suspend or cancel money in your Card or corresponding Transaction Account in the event of excessive reports of Card loss or theft. Under the Mastercard Rules, you will not be held responsible for unauthorized transactions if you have used reasonable care in protecting your Card from loss or theft and you have promptly reported to us when you knew that your Card was lost or stolen. Zero Liability does not apply to Mastercard payment cards that are used for commercial purposes or anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us). In the event that Mastercard Zero Liability does not apply, if you notify us within two (2) business days after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used your Card without your permissionaccount. If you do not notify tell us within two (2) 2 business days after you learn of the loss or theft of your Card and we or PIN, you can prove that we could have stopped lose no more than $50 if someone used your Card or PIN without If you believe your Card or PIN has been lost or stolen, call: 0-000-000-0000 or write to Cardholder Services, XX Xxx 0000, Xxxxxxxx, XX 00000. You should also call the number or write to the address listed above if you believe an unauthor- ized transfer has been made using the information from using your Card without your permission if you had promptly notified us, you could lose as much as $500.00. Also, if you become aware of, or your Transaction Account statement shows transactions you did not make, notify us at once following the procedures stated in Section 17 (Your Right to Dispute Errors). If you do not notify us within sixty (60) days after you become aware of the transaction or after the statement was made available to you, you may not get back any value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the value if you had notified us in timepermission. You will not be liable for unauthorized use that occurs after you notify us of the loss, theft or unauthorized use of your Card or Access Code(s). You also agree to cooperate completely with us and Servicer in attempts to recover funds from unauthorized users and to assist in their prosecution. The Bank We may issue replacement Card(s) or Access Code(s) (PIN(s)), but only after you have provided such proof and security or indemnification as the Bank we may require. In addition, you acknowledge that the Bank we may have to deactivate your Card(s) or Transaction and/or Card Account to prevent future losses. If you share your Card(s) or Access Code(s) (PIN(s)) with another person, use of your Transaction Card Account by that person may be considered as authorized. If you authorize another person to use your Card or Access Code(s) (PIN(s)), you agree that you will be liable for all transactions arising from use of the Card or Access Code(s) (PIN(s)) by such person except as otherwise set forth in this Agreement. In all cases, our liability for an unauthorized transaction is limited to reimbursing you for the face amount of the unauthorized transaction and any corresponding fees, except as otherwise required by applicable law. A transaction is unauthorized if it is not initiated by you, you did not give permission to make the transaction, or transaction and you do not benefit from the transaction in any way.

Your Liability for Unauthorized Transactions. You agree to exercise reasonable control over your PIN(s); user ID(s); and password(s) and any other access code related to your Transaction Card Account and your Card (each, an “Access Code")) and your Card. If you believe the Card or Access Code has been lost, compromised or stolen, immediately notify contact us verbally at (000) 000-0000 or via email by using us at xxxx@xxxxxx.xxx . Telephoning is the cardholder support contact informationbest way to minimize your possible losses. If you believe the Card has been lost or stolen, or that someone has transferred money or may transfer money from your Transaction Card Account without your permission, notify us verbally call (000) 000-0000 or via email by using the cardholder support contact information. at xxxx@xxxxxx.xxx We may suspend or cancel your Card or and/or corresponding Transaction Card Account in the event of excessive reports of Card loss or theft. Under the Mastercard Visa Rules, you will not be held responsible for unauthorized transactions if you have used reasonable care in protecting your Card from loss or theft and you have promptly reported to us when you knew that your Card was lost or stolen. Zero Liability does not apply to Mastercard Visa payment cards that are used for commercial purposes or anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us). In the event that Mastercard Visa Zero Liability does not apply, if you notify us within two (2) business days after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used your Card 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 and we can prove that we could have stopped someone from using your Card without your permission if you had promptly notified us, you could lose as much as $500.00. Also, if you become aware of, or of and/or your Transaction Account statement shows transactions you did not make, notify us at once following the procedures stated in Section 17 XVIII (Your Right to Dispute Errors). If you do not notify us within sixty (60) days after you become aware of the transaction or and/or after the statement was made available to you, you may not get back any value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the value if you had notified us in time. You will not be liable for unauthorized use that occurs after you notify us of the loss, theft or unauthorized use of your Card or Access Code(s). You also agree to cooperate completely with us and Servicer the Bank in attempts to recover funds from unauthorized users and to assist in their prosecution. The Bank may issue replacement Card(s) or Access Code(s), but only after you have provided such proof and security or indemnification as the Bank may require. In addition, you acknowledge that the Bank may have to deactivate your Card(s) or Transaction and/or Card Account to prevent future losses. If you share your Card(s) or Access Code(s) with another person, use of your Transaction Card Account by that person may be considered as authorized. If you authorize another person to use your Card or Access Code(s), you agree that you will be liable for all transactions arising from use of the Card or Access Code(s) by such person except as otherwise set forth in this Agreement. In all cases, our liability for an unauthorized transaction is limited to reimbursing you for the face amount of the unauthorized transaction and any corresponding fees, except as otherwise required by applicable law. A transaction is unauthorized if it is not initiated by you, you did not give permission to make the transaction, transaction or you do not benefit from the transaction in any way.

Your Liability for Unauthorized Transactions. You agree to exercise reasonable control over your PIN(s); user ID(s); and password(s) and any other access code related to your Transaction Account and your Card (each, an “Access Code"). If Tell us AT ONCE if you believe the your Card or Access Code has been lost, compromised or stolen, immediately notify us verbally or via email by using the cardholder support contact information. If you believe the Card Information has been lost or stolen, stolen or that someone has transferred money or may transfer money from your Transaction Account without your permission, notify us verbally or via email by using the cardholder support contact information. We may suspend or cancel your Card or corresponding Transaction Account in the event of excessive reports of Card loss or theft. Under the Mastercard Rules, you will not be held responsible for unauthorized transactions if you have used reasonable care in protecting your Card from loss or theft and you have promptly reported to us when you knew believe that your Card was lost or stolen. Zero Liability does not apply to Mastercard payment cards that are used for commercial purposes or anonymous prepaid cards (until such time as the identity of the cardholder a transaction has been registered with us). In the event that Mastercard Zero Liability does not apply, if you notify us within two (2) business days after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used your Card made without your permission. Your Card can be marked lost or stolen by telephoning us at 1-800-790- 6019. Reporting your card lost or stolen as soon as you are aware it’s missing is the best way to minimize your possible losses. You could lose all the money in your Account. If you do not notify tell us within two (2) business days after you learn of the loss or theft of your Card or Access Information you can lose no more than $50 if someone used your Card or Access Information 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 Access Information, and we can prove that we could have stopped someone from using your Card or Access Information without your permission if you had promptly notified told us, you could lose as much as $500.00500. If your Card is a MasterCard Card, you will not be liable for the amounts stated above provided that the following preconditions are met: (i) Your Card is in good standing; (ii) You have exercised reasonable care in safeguarding your Card from any Unauthorized Use (e.g. you were not grossly negligent or fraudulent in the handling of your Card); and You have not reported two or more unauthorized events in the past twelve (12) months. Also, if you become aware of, your online or your Transaction Account statement paper transaction history shows transactions transfers you did not make, notify including those made by Card, code or other means, tell us at once following the procedures stated in Section 17 (Your Right to Dispute Errors)once. If you do not notify tell us within sixty 60 days from the earlier of: (60i) days after the date you become aware of electronically access your Card Account, if the transaction unauthorized transfer could be viewed in your electronic history; or after (ii) the statement was made available to youdate we sent the FIRST written history on which the unauthorized transfer appeared, you may not get back any value money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the value money if you had notified told us in time. You If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. NOTE: MasterCard Zero Liability covers U.S.-issued cards only; and does not apply to ATM transactions, PIN transactions not processed by MasterCard, or certain commercial card transactions. Individual provisional credit amounts are provided on a provisional basis and may be liable for withheld, delayed, limited, or rescinded by the Servicer based on factors such as gross negligence or fraud, delay in reporting unauthorized use that occurs after you notify us use, investigation and verification of the loss, theft or unauthorized use of your Card or Access Code(s)claim and account standing and history. You also agree to cooperate completely with us and must notify the Servicer in attempts to recover funds from immediately of any unauthorized users and to assist in their prosecutionuse. The Bank transaction(s) at issue must be posted to your account before provisional credit may issue replacement Card(s) or Access Code(s), but only after you have provided such proof and security or indemnification as the Bank may require. In addition, you acknowledge that the Bank may have to deactivate your Card(s) or Transaction Account to prevent future lossesbe issued. If MasterCard Rules are changed to affect your liability, those changes will become applicable to your transactions under this Agreement upon notice to you share your Card(s) or Access Code(s) with another person, use of your Transaction Account as provided by that person may be considered as authorized. If you authorize another person to use your Card or Access Code(s), you agree that you will be liable for all transactions arising from use of the Card or Access Code(s) by such person except as otherwise set forth in this Agreement. In all cases, our liability for an unauthorized transaction is limited to reimbursing you for the face amount of the unauthorized transaction and any corresponding fees, except as otherwise required by applicable law. A transaction is unauthorized if it is not initiated by you, you did not give permission to make the transaction, or you do not benefit from the transaction in any way.

Your Liability for Unauthorized Transactions. You agree to exercise reasonable control over your PIN(s); user ID(s); and password(s) and any other access code related to your Transaction Account and your Card (each, an “Access Code"). If Tell us AT ONCE if you believe the Card or Access Code has been lost, compromised or stolen, immediately notify us verbally or via email by using the cardholder support contact information. If you believe the Card your access device has been lost or stolen, stolen or that if you believe someone has transferred money used your card or may transfer money from access code or otherwise accessed your Transaction Account accounts without your permissionauthority. Telephoning is the best way of keeping your possible losses down. You are responsible for all electronic transactions you authorize. If you permit other persons to use an electronic funds transfer service, notify us verbally your card or via email by using the cardholder support contact information. We may suspend access device, your PIN or cancel your Card or corresponding Transaction Account in the event of excessive reports of Card loss or theft. Under the Mastercard Rulesaccess code, you will not be held are responsible for unauthorized any transactions they authorize or conduct on any of your accounts. If you link any of your accounts or services to a third-party application or payment service (including but not limited to Cash App, PayPal®, Zelle® or Venmo) you understand and agree that these are not Credit Union services; and any transactions you make will be subject to your agreements with the application or service provider. You understand that these applications and services do not provide the same protections from fraud or other misapplication of funds as traditional direct banking services. If we transfer any funds as directed by you or anyone you authorize to the application or third-party service provider such transfer(s) shall in all respects be an authorized transaction and we will have no further obligation or liability if you have used reasonable care in protecting your Card from loss the application or theft and you have promptly reported provider then transfers the funds to us when you knew a fraudster or the funds are otherwise misapplied. For electronic transactions that your Card was lost require the use of a PIN or stolen. Zero Liability does not apply to Mastercard payment cards that are used access code (except for commercial purposes or anonymous prepaid cards (until such time as the identity of the cardholder has been registered with usVisa debit card purchases). In the event that Mastercard Zero Liability does not apply, if you notify tell us within two (2) business days after you learn of any unauthorized transactions, you can lose no more than $50.00 50 if someone used your Card card without your permission. If you do not notify NOT tell us within two (2) business days after you learn of the loss or theft of your Card card, and we can prove that we could have stopped someone from using your Card card without your permission if you had promptly notified told us, you could lose as much as $500.00500. Also, if you become aware of, or your Transaction Account statement shows transactions transfers that you did not make, notify including those made by card, code, or other means, Tell us at once following the procedures stated in Section 17 (Your Right to Dispute Errors)AT ONCE. If you do not notify tell us within sixty (60) calendar days after you become aware of the transaction or after the statement was made available mailed to youyou showing the first unauthorized transfer, you may not get back any value you money lost after the sixty (60) calendar days if we can prove that we could have stopped someone from taking making the value transfers if you had notified told us in time. You If a good reason (such as extended travel or hospitalization) kept you from telling us, we may extend these time periods. If you believe your card has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, contact the Credit Union at 0.000.000.0000 or 803.469.8600 or write us at SAFE Federal Credit Union, P.O. Box 2008, Sumter, SC 29151. ZERO LIABILITY POLICY FOR VISA DEBIT CARD PURCHASES If there is an unauthorized Visa debit card purchase, and the transaction takes place on the Visa network, then your liability will be zero ($0). This provision limiting your liability does not apply to either Visa commercial (business) cards or ATM cash disbursements. Additionally, your liability with respect to unauthorized transactions may be liable for greater than the above zero ($0) liability limit, to the extent allowed under applicable law, if: (1) we determine the unauthorized use that occurs after transaction was a result of gross negligence or fraud on your part; (2) you notify fail to provide us with a statement or affidavit of your claim within the time requested; (3) we determine the transaction was not “unauthorized” as defined below; or (4) you fail to report the loss, theft theft, or unauthorized use of your Card or Access Code(s)debit card of card number within a reasonable period of time. You also agree to cooperate completely with us and Servicer A reasonable period of time will be determined by the Credit Union in attempts to recover funds from unauthorized users and to assist in their prosecution. The Bank may issue replacement Card(s) or Access Code(s)its sole discretion, but only after you have provided such proof and security or indemnification as in no event will it be shorter than the Bank may require. In addition, you acknowledge that time periods stated in the Bank may have to deactivate your Card(s) or Transaction Account to prevent future losses. If you share your Card(s) or Access Code(s) with another person, use of your Transaction Account by that person may be considered as authorized. If you authorize another person to use your Card or Access Code(s), you agree that you will be liable for all transactions arising from use of the Card or Access Code(s) by such person except as otherwise set forth in this Agreement. In all cases, our liability for an unauthorized transaction is limited to reimbursing you for the face amount of the unauthorized transaction and any corresponding fees, except as otherwise required by applicable lawError Resolution Section below. A transaction is unauthorized considered “unauthorized” if it is not initiated by yousomeone other than you (the cardholder) without your actual or apparent authority, and you did not give permission to make the transaction, or you do not receive no benefit from the transaction. A transaction in is not considered “unauthorized” if: (1) you furnish the card, card number, or other identifying information to another person and give that person express or implied authority to perform one or more transactions and the person then exceeds that authority; or (2) for any wayother reason the Credit Union concludes the facts and circumstances do not reasonably support a claim of unauthorized use. In any case, to minimize your potential liability you should notify us of any unauthorized use no later than sixty (60) days after your statement was mailed to you.

Your Liability for Unauthorized Transactions. You agree to exercise reasonable control over your PIN(s); user ID(s); and password(s) and any other access code related to your Transaction Account and your Card (each, an “Access Code"). If Tell us AT ONCE if you believe the Card or Access Code has been lost, compromised or stolen, immediately notify us verbally or via email by using the cardholder support contact information. If you believe the your Card has been lost or stolen, or if you believe that someone an electronic fund transfer has transferred money or may transfer money from your Transaction Account been made without your permission, notify us verbally or via email by using . Calling Customer Service is the cardholder support contact informationbest way of keeping your possible losses down. We may suspend or cancel You could lose all the money in your Card or corresponding Transaction Account in the event of excessive reports of Card loss or theftaccount. Under the Mastercard Rules, If you will not be held responsible for unauthorized transactions if you have used reasonable care in protecting your Card from loss or theft and you have promptly reported to us when you knew that your Card was lost or stolen. Zero Liability does not apply to Mastercard payment cards that are used for commercial purposes or anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us). In the event that Mastercard Zero Liability does not apply, if you notify tell us within two (2) 2 business days after you learn of any unauthorized transactionsthe loss or theft of your Card, you can lose no more than $50.00 50 if someone used your Card without your permission. If you do not notify NOT tell us within two (2) 2 business days after you learn of the loss or theft of your Card Card, and we can prove that we could have stopped someone from using your Card without your permission if you had promptly notified told us, you could lose as much as $500.00500. Also, if you become aware of, or your Transaction Account statement electronic history shows transactions transfers that you did not make, notify including those made by your Card or other means, tell us at once following the procedures stated in Section 17 (Your Right to Dispute Errors)once. If you do not notify tell us within sixty (60) 60 days after you become aware the earlier of the transaction date you electronically accessed your account (if the unauthorized transfer could be viewed in your electronic history), or after the statement was made available to youdate we sent the FIRST written history on which the unauthorized transfer appeared, you may not get back any value money you lost after the sixty (60) 60 days if we can prove that we could have stopped someone from taking the value money if you had notified told us in time. You If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will not be liable extend the time periods. Your Card may have some additional protections against unauthorized use: Under Mastercard’s Zero Liability Policy, your liability for unauthorized use that occurs after transactions on your Mastercard-branded Card is $0.00 if you notify us promptly upon becoming aware of the loss or theft, and you exercised reasonable care in safeguarding your Card from loss, theft theft, or unauthorized use of use. This policy limiting your Card or Access Code(s). You also agree liability does not apply to cooperate completely with us and Servicer in attempts to recover funds from unauthorized users and to assist in their prosecution. The Bank may issue replacement Card(s) or Access Code(s)debit transactions not processed by Mastercard, but only after you have provided such proof and security or indemnification as the Bank may require. In addition, you acknowledge that the Bank may have to deactivate your Card(s) or Transaction Account to prevent future losses. If you share your Card(s) or Access Code(s) with another person, use of your Transaction Account by that person may be considered as authorized. If you authorize another person to use your Card or Access Code(s), you agree that you will be liable for all transactions arising from use of the Card or Access Code(s) by such person except as otherwise set forth in this Agreement. In all cases, our liability for an unauthorized transaction is limited to reimbursing you for the face amount of the unauthorized transaction and any corresponding fees, except as otherwise required by applicable law. A transaction is unauthorized if it is not initiated by you, you did not give permission to make the transactioncertain commercial transactions, or you do not benefit from the transaction in any wayunregistered cards.

Your Liability for Unauthorized Transactions. You agree to exercise reasonable control over your PIN(s); user ID(s); and password(s) and any other access code related to your Transaction Account and An unauthorized transaction means a transaction using your Card (each, an “Access Code")that is initiated by another person without your authority to initiate the transaction and from which you receive no benefit. If you believe The term does not include any transaction that is initiated by a person who was furnished with the Card or Access Code has been lostyour PIN by you, compromised or stolen, immediately notify unless you have notified us verbally or via email that transactions by using the cardholder support contact informationthat person are no longer authorized and we have had reasonable opportunity to act on that notification. If • Tell us AT ONCE if you believe the your Card or PIN has been lost or stolen, stolen or that someone has transferred is subject to unauthorized use. Telephoning us at the number provided in this Agreement is the best way of keeping your possible losses down. You could lose all your money or may transfer money from on your Transaction Account without your permission, notify us verbally or via email by using the cardholder support contact information. We may suspend or cancel your Card or corresponding Transaction Account in the event of excessive reports of Card loss or theft. Under the Mastercard Rules, you will not be held responsible for unauthorized transactions if you have used reasonable care in protecting your Card from loss or theft and you have promptly reported to us when you knew that your Card was lost or stolen. Zero Liability does not apply to Mastercard payment cards that are used for commercial purposes or anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us). In the event that Mastercard Zero Liability does not apply, if you notify us within two (2) business days after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used your Card without your permissionCard. If you do not notify 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 promptly notified told us, you could lose as much as $500.00500. • Also, if you become aware of, or your Transaction Account statement Card transaction history shows transactions any transaction that you did not make, notify tell us at once following the procedures stated in Section 17 (Your Right to Dispute Errors)once. If you do not notify tell us within sixty the earliest of (60i) 60 days after the date you become aware of electronically accessed your Card transaction history on which the transaction or appeared, (ii) 60 days after the statement date we sent you the FIRST written transaction history on which the transaction appeared, or (iii) 120 days after the transaction was made available credited or debited to youyour Card, you may not get back any value money you lost after the sixty (60) 60 days or 120 days, as applicable, if we can prove that we could have stopped someone from taking the value money if you had notified 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 not be liable for unauthorized use that occurs after you notify us of the loss, theft or unauthorized use of your Card or Access Code(s). You also agree to cooperate completely with us and Servicer in our attempts to recover funds from unauthorized users and to assist in their prosecution. The Bank may issue replacement Card(s) or Access Code(s), but only after • We will extend to you have provided such proof and security or indemnification as the Bank may requirebenefits of Visa’s zero liability policy in effect at the time of any unauthorized use. In additionthe event that no zero liability policy applies, you acknowledge that the Bank may have to deactivate your Card(s) or Transaction Account to prevent future losses. If you share your Card(s) or Access Code(s) with another person, use of your Transaction Account by that person may be considered as authorized. If you authorize another person to use your Card or Access Code(s), you agree that you provisions above will be liable for all transactions arising from use of the Card or Access Code(s) by such person except as otherwise set forth in this Agreement. In all cases, our liability for an unauthorized transaction is limited to reimbursing you for the face amount of the unauthorized transaction and any corresponding fees, except as otherwise required by applicable law. A transaction is unauthorized if it is not initiated by you, you did not give permission to make the transaction, or you do not benefit from the transaction in any wayapply.

Your Liability for Unauthorized Transactions. You agree to exercise reasonable control over your PIN(s); user ID(s); and password(s(a) and any other access code related to your Transaction Account and your Card (each, an “Access Code")Generally. If Tell us at once if you believe the your BusyKid Spend Card or Access Code has been lost, compromised stolen or stolen, immediately notify used without your authorization. You could lose all the money in your account(s). Telephoning us verbally as soon as you learn of a lost / stolen card or via email by using an unauthorized transaction is the cardholder support contact informationbest way of keeping your possible losses down. If you believe the Card has been lost or stolen, or that someone has transferred money or may transfer money from your Transaction Account without your permission, notify us verbally or via email by using the cardholder support contact information. We may suspend or cancel your Card or corresponding Transaction Account in the event of excessive reports of Card loss or theft. Under the Mastercard Rules, you will not be held responsible for unauthorized transactions if you have used reasonable care in protecting your Card from loss or theft and you have promptly reported to us when you knew that your Card was lost or stolen. Zero Liability does not apply to Mastercard payment cards that are used for commercial purposes or anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us). In the event that Mastercard Zero Liability does not apply, if you notify tell us within two (2) 2 business days after you learn days, liability shall not exceed the lesser of any $50 or the amount of unauthorized transactions, you can lose no more than $50.00 if someone used your Card without your permissiontransfers that occur before notice to us. If you do not notify NOT tell us within two (2) 2 business days after you learn of the loss or theft of your Card BusyKid Spend Card, and we can prove that we could have stopped someone from using your BusyKid Spend Card without your permission if you had promptly notified told us, you could lose as much as $500.00500. Also, if you become aware of, or your Transaction Account statement card activity shows transactions transfers that you did not makeauthorize, notify us tell Xxxx at once following the procedures stated in Section 17 (Your Right to Dispute Errors)once. If you do not notify tell us within sixty (60) 60 days after the date you become aware of electronically access your Card Account, if the transaction or after the statement was made available to youerror could be viewed in your electronic history, you may not get back any value money you lost after the sixty (60) 60 days if we Xxxx can prove that we they could have stopped someone from taking the value money if you had notified us them in time. You will not be liable for unauthorized use that occurs after If a good reason (such as a serious illness or hospital stay) kept you notify us of the lossfrom telling them, theft or unauthorized use of your Card or Access Code(s). You also we may agree to cooperate completely with extend the time periods. (b) Contact us and Servicer immediately in attempts to recover funds from event of unauthorized users and to assist in their prosecution. The Bank may issue replacement Card(s) or Access Code(s), but only after you have provided such proof and security or indemnification as the Bank may require. In addition, you acknowledge that the Bank may have to deactivate your Card(s) or Transaction Account to prevent future lossestransfer. If you share believe your Card(s) card and/or code has been lost or Access Code(s) with another personstolen or that someone has transferred or may transfer money from your account without your permission, use of your Transaction Account by that person may be considered as authorized. If you authorize another person to use your Card or Access Code(s), you agree that you will be liable for all transactions arising from use of the Card or Access Code(s) by such person except as otherwise set forth in this Agreement. In all cases, our liability for an unauthorized transaction is limited to reimbursing you for the face amount of the unauthorized transaction and any corresponding fees, except as otherwise required by applicable law. A transaction is unauthorized if it is not initiated by you, you did not give permission to make the transaction, or you do not benefit from the transaction in any waycall us right away at 000-000-0000.

Your Liability for Unauthorized Transactions. You agree to exercise reasonable control over your PIN(s); user ID(s); and password(s) and any other access code related to your Transaction Account and Tell us AT ONCE if you believe your Card (each, an “Access Code"). If you believe the Card or Access Code has been lost, compromised or stolen, immediately notify us verbally or via email by using the cardholder support contact information. If you believe the Card PIN has been lost or stolen, or if you believe that someone an electronic fund transfer has transferred money or may transfer money been made without your permission using information from your Transaction Account without Card. Telephoning is the best way of keeping your permission, notify us verbally or via email by using possible losses down. You could lose all the cardholder support contact information. We may suspend or cancel money in your Card or corresponding Transaction Account in the event of excessive reports of Card loss or theft. Under the Mastercard Rules, you will not be held responsible for unauthorized transactions if you have used reasonable care in protecting your Card from loss or theft and you have promptly reported to us when you knew that your Card was lost or stolen. Zero Liability does not apply to Mastercard payment cards that are used for commercial purposes or anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us). In the event that Mastercard Zero Liability does not apply, if you notify us within two (2) business days after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used your Card without your permissionaccount. If you do not notify tell us within two (2) 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 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 promptly notified told us, you could lose as much as $500.00500. Also, if you become aware of, or your Transaction Account statement shows transactions transfers that you did not make, notify including those made by Card, code or other means, tell us at once following the procedures stated in Section 17 (Your Right to Dispute Errors)once. If you do not notify tell us within sixty (60) 60 days after you become aware the earlier of the transaction date you electronically access your account, if the error could be viewed in your electronic history, or after the statement was made available to youdate we sent the FIRST written history on which the error appeared, you may not get back any value money you lost after the sixty (60) 60 days if we can prove that we could have stopped someone from taking the value money if you had notified told us in time. You If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will not be liable for unauthorized use that occurs after extend the time periods. If you notify us of the loss, theft or unauthorized use of believe your Card or Access Code(s)PIN has been lost or stolen, call: 000-000-0000 or write to us at CoreCard, Xxx Xxxx Xxx, Xxxxxxxx, XX 00000. You should also agree call the number or write to cooperate completely with us and Servicer in attempts to recover funds the address listed above if you believe an unauthorized transfer has been made using the information from unauthorized users and to assist in their prosecution. The Bank may issue replacement Card(s) or Access Code(s), but only after you have provided such proof and security or indemnification as the Bank may require. In addition, you acknowledge that the Bank may have to deactivate your Card(s) or Transaction Account to prevent future losses. If you share your Card(s) or Access Code(s) with another person, use of your Transaction Account by that person may be considered as authorized. If you authorize another person to use your Card or Access Code(s), you agree that you will be liable for all transactions arising from use of the Card or Access Code(s) by such person except as otherwise set forth in this Agreement. In all cases, our liability for an unauthorized transaction is limited to reimbursing you for the face amount of the unauthorized transaction and any corresponding fees, except as otherwise required by applicable law. A transaction is unauthorized if it is not initiated by you, you did not give permission to make the transaction, or you do not benefit from the transaction in any waywithout your permission.

Your Liability for Unauthorized Transactions. You agree to exercise reasonable control over your PIN(s); user ID(s); and password(s) and any other access code related to your Transaction Account and your Card (each, an “Access Code"). If Tell us AT ONCE if you believe the your Card or Access Code has been lost, compromised or stolen, immediately notify us verbally or via email by using the cardholder support contact information. If you believe the Card Information has been lost or stolen, stolen or that someone has transferred money or may transfer money from your Transaction Account without your permission, notify us verbally or via email by using the cardholder support contact information. We may suspend or cancel your Card or corresponding Transaction Account in the event of excessive reports of Card loss or theft. Under the Mastercard Rules, you will not be held responsible for unauthorized transactions if you have used reasonable care in protecting your Card from loss or theft and you have promptly reported to us when you knew believe that your Card was lost or stolen. Zero Liability does not apply to Mastercard payment cards that are used for commercial purposes or anonymous prepaid cards (until such time as the identity of the cardholder a transaction has been registered with us). In the event that Mastercard Zero Liability does not apply, if you notify us within two (2) business days after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used your Card made without your permission. Your Card can be marked lost or stolen by telephoning us at 844-944- 9273. Reporting your card lost or stolen as soon as you are aware it’s missing is the best way to minimize your possible losses. You could lose all the money in your Account. If you do not notify tell us within two (2) business days after you learn of the loss or theft of your Card or Access Information you can lose no more than $50 if someone used your Card or Access Information 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 Access Information, and we can prove that we could have stopped someone from using your Card or Access Information without your permission if you had promptly notified told us, you could lose as much as $500.00500. If your Card is a Visa Card, you will not be liable for the amounts stated above provided that the following preconditions are met: (i) Your Card is in good standing; (ii) You have exercised reasonable care in safeguarding your Card from any Unauthorized Use (e.g. you were not grossly negligent or fraudulent in the handling of your Card); and You have not reported two or more unauthorized events in the past twelve (12) months. Also, if you become aware of, your online or your Transaction Account statement paper transaction history shows transactions transfers you did not make, notify including those made by Card, code or other means, tell us at once following the procedures stated in Section 17 (Your Right to Dispute Errors)once. If you do not notify tell us within sixty 60 days from the earlier of: (60i) days after the date you become aware of electronically access your Card Account, if the transaction unauthorized transfer could be viewed in your electronic history; or after (ii) the statement was made available to youdate we sent the FIRST written history on which the unauthorized transfer appeared, you may not get back any value money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the value money if you had notified told us in time. You If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. NOTE: Visa Zero Liability covers U.S.-issued cards only; and does not apply to ATM transactions, PIN transactions not processed by Visa, or certain commercial card transactions. Individual provisional credit amounts are provided on a provisional basis and may be liable for withheld, delayed, limited, or rescinded by the Servicer based on factors such as gross negligence or fraud, delay in reporting unauthorized use that occurs after you notify us use, investigation and verification of the loss, theft or unauthorized use of your Card or Access Code(s)claim and account standing and history. You also agree to cooperate completely with us and must notify the Servicer in attempts to recover funds from immediately of any unauthorized users and to assist in their prosecutionuse. The Bank transaction(s) at issue must be posted to your account before provisional credit may issue replacement Card(s) or Access Code(s), but only after you have provided such proof and security or indemnification as the Bank may require. In addition, you acknowledge that the Bank may have to deactivate your Card(s) or Transaction Account to prevent future lossesbe issued. If Visa Rules are changed to affect your liability, those changes will become applicable to your transactions under this Agreement upon notice to you share your Card(s) or Access Code(s) with another person, use of your Transaction Account as provided by that person may be considered as authorized. If you authorize another person to use your Card or Access Code(s), you agree that you will be liable for all transactions arising from use of the Card or Access Code(s) by such person except as otherwise set forth in this Agreement. In all cases, our liability for an unauthorized transaction is limited to reimbursing you for the face amount of the unauthorized transaction and any corresponding fees, except as otherwise required by applicable law. A transaction is unauthorized if it is not initiated by you, you did not give permission to make the transaction, or you do not benefit from the transaction in any way.

Your Liability for Unauthorized Transactions. You agree to exercise reasonable control over your PIN(s); user ID(s); and password(s) and any other access code related to your Transaction Account and your Card (each, an “Access Code"). If Tell us AT ONCE if you believe the Card your Card, PIN or Online Banking Access Code has been lost, compromised or stolen, immediately notify us verbally or via email by using the cardholder support contact information. If you believe the Card ID and Passcode (hereinafter referred to as ‘Access Device’) has been lost or stolen, or if you believe that someone an electronic fund transfer has transferred money or may transfer money been made without your permission using information from your Transaction Account without check. Telephoning us is the best way of keeping your permission, notify us verbally or via email by using possible losses down. You could lose all the cardholder support contact information. We may suspend or cancel money in your Card or corresponding Transaction Account in the event of excessive reports of Card loss or theft. Under the Mastercard Rules, you will not be held responsible for unauthorized transactions if you have used reasonable care in protecting your Card from loss or theft and you have promptly reported to us when you knew that your Card was lost or stolen. Zero Liability does not apply to Mastercard payment cards that are used for commercial purposes or anonymous prepaid cards account (until such time as the identity of the cardholder has been registered with usplus any amount accessible through Check Support Service). In the event that Mastercard Zero Liability does not apply, if If you notify tell us within two (2) business banking days after you learn of any unauthorized transactionsthe loss or theft, you can lose no more than $50.00 if someone used your Card Access Device without your permission. If you do NOT tell us within two (2) banking days after the loss or theft of your Access Device, and we can prove we could have stopped someone from using your Access Device without your permission if you had told us, you could lose as much as $500.00. You are not liable for any losses from your Visa® Debit Card if you notify us within two (2) business banking days of discovery that the card was lost or stolen. If you do not tell us within two (2) banking days after you learn of the loss or theft of your Card Visa® Debit Card, and we can prove that we could have stopped someone from using your Visa® Debit Card without your permission if you had promptly notified told us, you could can lose as much as $500.0050.00. Also, if you become aware of, or your Transaction Account statement shows transactions transfers that you did not make, notify including those made by card, code or other means, tell us at once following the procedures stated in Section 17 (Your Right to Dispute Errors)once. If you do not notify tell us within sixty (60) days after you become aware of the transaction or after the statement was made available mailed to you, you may not get back any value money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the value money if you had notified told us in time. You will not be liable for unauthorized use that occurs after If a good reason (such as a long trip or hospital stay) kept you notify us of from telling us, we may extend the loss, theft or unauthorized use of your Card or Access Code(s). You also agree to cooperate completely with us and Servicer in attempts to recover funds from unauthorized users and to assist in their prosecution. The Bank may issue replacement Card(s) or Access Code(s), but only after you have provided such proof and security or indemnification as the Bank may require. In addition, you acknowledge that the Bank may have to deactivate your Card(s) or Transaction Account to prevent future losses. If you share your Card(s) or Access Code(s) with another person, use of your Transaction Account by that person may be considered as authorized. If you authorize another person to use your Card or Access Code(s), you agree that you will be liable for all transactions arising from use of the Card or Access Code(s) by such person except as otherwise set forth in this Agreement. In all cases, our liability for an unauthorized transaction is limited to reimbursing you for the face amount of the unauthorized transaction and any corresponding fees, except as otherwise required by applicable law. A transaction is unauthorized if it is not initiated by you, you did not give permission to make the transaction, or you do not benefit from the transaction in any waytime periods.

Your Liability for Unauthorized Transactions. You agree If you permit other persons to exercise reasonable control over perform payments or transfers or use your PIN(s); user ID(s); and password(s) and Password, you are responsible for any other access code related to transactions they authorize from your Transaction Account and your Card (each, an “Access Code"account(s). If you believe the Card or Access Code has been lost, compromised or stolen, immediately notify us verbally or via email by using the cardholder support contact information. If you believe the Card that your Password has been lost or stolen, stolen or that someone has transferred money performed a payment or may transfer money from your Transaction Account without your permission, you must notify us verbally AT ONCE, by calling (000) 000-0000 or via email by using the cardholder support contact information. We may suspend or cancel your Card or corresponding Transaction Account in the event of excessive reports of Card loss or theft. Under the Mastercard Rules, you will not be held responsible for unauthorized transactions if you have used reasonable care in protecting your Card from loss or theft and you have promptly reported writing to us when you knew that your Card was lost or stolenat Electronic Banking Department, DR Bank, P.O. Box 1045, Darien, CT 06820. Zero Liability does not apply to Mastercard payment cards that are used for commercial purposes or anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us). In the event that Mastercard Zero Liability does not applyTell us at AT ONCE, preferably by telephone, if you notify believe your Password has been lost or stolen or that an unauthorized payment or transfer has been made from any of your deposit accounts. If you do not tell us, you could lose all the money in your account(s), as well as all funds available in any overdraft protection account or any other credit line included among your accounts. If you tell us within two (2) business days Business Days after you learn of any unauthorized transactionsdiscover the loss or theft, you can lose no more than $50.00 if someone used your Card makes a payment or transfer without your permissionauthorization. If you do not notify tell us within two (2) business days Business Days after you learn of the discover loss or theft of your Card Password or that an unauthorized payment or online transfer has been made from any of your deposit accounts, and we can prove that we could have stopped someone from using your Card performing a payment or transfer without your permission authorization if you had promptly notified told us, you could lose as much as $500.00. AlsoAdditionally, if you become aware of, or your Transaction Account any account statement shows transactions online transfers or payments that you did not make, notify tell us at once following the procedures stated in Section 17 (Your Right to Dispute Errors)AT ONCE. If you do not notify tell us within sixty (60) days after you become aware of the transaction a statement showing such a payment or after the statement transfer was made available transmitted to you, you may not get back any value money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the value money if you had notified told us in time. You If a good reason, such as a long trip or hospital stay, prevented you from telling us, we will not be liable for unauthorized use that occurs after you notify us of extend the loss, theft or unauthorized use of your Card or Access Code(s). You also agree to cooperate completely with us and Servicer in attempts to recover funds from unauthorized users and to assist in their prosecution. The Bank may issue replacement Card(s) or Access Code(s), but only after you have provided such proof and security or indemnification as the Bank may require. In addition, you acknowledge that the Bank may have to deactivate your Card(s) or Transaction Account to prevent future losses. If you share your Card(s) or Access Code(s) with another person, use of your Transaction Account by that person may be considered as authorized. If you authorize another person to use your Card or Access Code(s), you agree that you will be liable for all transactions arising from use of the Card or Access Code(s) by such person except as otherwise set forth in this Agreement. In all cases, our liability for an unauthorized transaction is limited to reimbursing you for the face amount of the unauthorized transaction and any corresponding fees, except as otherwise required by applicable law. A transaction is unauthorized if it is not initiated by you, you did not give permission to make the transaction, or you do not benefit from the transaction in any waytime periods.

Your Liability for Unauthorized Transactions. You agree to exercise reasonable control over your PIN(s); user ID(s); and password(s) and any other access code related to your Transaction Account and your Card (each, an “Access Code"). If Tell us AT ONCE if you believe the your Card or Access Code has been lost, compromised or stolen, immediately notify us verbally or via email by using the cardholder support contact information. If you believe the Card Information has been lost or stolen, stolen or that someone has transferred money or may transfer money from your Transaction Account without your permission, notify us verbally or via email by using the cardholder support contact information. We may suspend or cancel your Card or corresponding Transaction Account in the event of excessive reports of Card loss or theft. Under the Mastercard Rules, you will not be held responsible for unauthorized transactions if you have used reasonable care in protecting your Card from loss or theft and you have promptly reported to us when you knew believe that your Card was lost or stolen. Zero Liability does not apply to Mastercard payment cards that are used for commercial purposes or anonymous prepaid cards (until such time as the identity of the cardholder a transaction has been registered with us). In the event that Mastercard Zero Liability does not apply, if you notify us within two (2) business days after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used your Card made without your permission. Your Card can be marked lost or stolen by telephoning us at 1-800- 400-6609. Reporting your card lost or stolen as soon as you are aware it’s missing is the best way to minimize your possible losses. You could lose all the money in your Account. If you do not notify tell us within two (2) business days after you learn of the loss or theft of your Card or Access Information you can lose no more than $50 if someone used your Card or Access Information 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 Access Information, and we can prove that we could have stopped someone from using your Card or Access Information without your permission if you had promptly notified told us, you could lose as much as $500.00500. If your Card is a MasterCard Card, you will not be liable for the amounts stated above provided that the following preconditions are met: (i) Your Card is in good standing; (ii) You have exercised reasonable care in safeguarding your Card from any Unauthorized Use (e.g. you were not grossly negligent or fraudulent in the handling of your Card); and You have not reported two or more unauthorized events in the past twelve (12) months. Also, if you become aware of, your online or your Transaction Account statement paper transaction history shows transactions transfers you did not make, notify including those made by Card, code or other means, tell us at once following the procedures stated in Section 17 (Your Right to Dispute Errors)once. If you do not notify tell us within sixty 60 days from the earlier of: (60i) days after the date you become aware of electronically access your Card Account, if the transaction unauthorized transfer could be viewed in your electronic history; or after (ii) the statement was made available to youdate we sent the FIRST written history on which the unauthorized transfer appeared, you may not get back any value money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the value money if you had notified told us in time. You If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. NOTE: MasterCard Zero Liability covers U.S.-issued cards only; and does not apply to ATM transactions, PIN transactions not processed by MasterCard, or certain commercial card transactions. Individual provisional credit amounts are provided on a provisional basis and may be liable for withheld, delayed, limited, or rescinded by the Servicer based on factors such as gross negligence or fraud, delay in reporting unauthorized use that occurs after you notify us use, investigation and verification of the loss, theft or unauthorized use of your Card or Access Code(s)claim and account standing and history. You also agree to cooperate completely with us and must notify the Servicer in attempts to recover funds from immediately of any unauthorized users and to assist in their prosecutionuse. The Bank transaction(s) at issue must be posted to your account before provisional credit may issue replacement Card(s) or Access Code(s), but only after you have provided such proof and security or indemnification as the Bank may require. In addition, you acknowledge that the Bank may have to deactivate your Card(s) or Transaction Account to prevent future lossesbe issued. If MasterCard Rules are changed to affect your liability, those changes will become applicable to your transactions under this Agreement upon notice to you share your Card(s) or Access Code(s) with another person, use of your Transaction Account as provided by that person may be considered as authorized. If you authorize another person to use your Card or Access Code(s), you agree that you will be liable for all transactions arising from use of the Card or Access Code(s) by such person except as otherwise set forth in this Agreement. In all cases, our liability for an unauthorized transaction is limited to reimbursing you for the face amount of the unauthorized transaction and any corresponding fees, except as otherwise required by applicable law. A transaction is unauthorized if it is not initiated by you, you did not give permission to make the transaction, or you do not benefit from the transaction in any way.

Your Liability for Unauthorized Transactions. Tell us AT ONCE if you believe that a transaction has been made without your permission. Your Account can be placed on hold by telephoning us at 000-000-0000. Notifying us as soon as you are aware that your Account has been compromised is the best way to minimize your possible losses. You agree to exercise reasonable control over could lose all the money in your PIN(s); user ID(s); and password(s) and any other access code related to your Transaction Account and your Card (each, an “Access Code")Account. If you believe the Card or Access Code has been lost, compromised or stolen, immediately notify us verbally or via email by using the cardholder support contact information. If you believe the Card has been lost or stolen, or that someone has transferred money or may transfer money from your Transaction Account without your permission, notify us verbally or via email by using the cardholder support contact information. We may suspend or cancel your Card or corresponding Transaction Account in the event of excessive reports of Card loss or theft. Under the Mastercard Rules, you will not be held responsible for unauthorized transactions if you have used reasonable care in protecting your Card from loss or theft and you have promptly reported to us when you knew that your Card was lost or stolen. Zero Liability does not apply to Mastercard payment cards that are used for commercial purposes or anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us). In the event that Mastercard Zero Liability does not apply, if you notify tell us within two (2) business days after you learn of any unauthorized transactions, that your Account has been compromised you can lose no more than $50.00 50 if someone used your Card Account or Access Information without your permission. If you do not notify DO NOT tell us within two (2) business days after you learn of the loss or theft of that your Card Account has been compromised, and we can prove that we could have stopped someone from using your Card Account or Access Information without your permission if you had promptly notified told us, you could lose as much as $500.00500. If your Account is a Virtual Account, you will not be liable for the amounts stated above provided that the following preconditions are met: (i) Your Account is in good standing; (ii) You have exercised reasonable care in safeguarding your Account from any Unauthorized Use (e.g. you were not grossly negligent or fraudulent in the handling of your Account); and You have not reported two or more unauthorized events in the past twelve (12) months. Also, if you become aware of, your online or your Transaction Account statement paper transaction history shows transactions you did not make, notify including those made by Account, code or other means, tell us at once following the procedures stated in Section 17 (Your Right to Dispute Errors)once. If you do not notify tell us within sixty 60 days from the earlier of: (60i) days after the date you become aware of electronically access your Account, if the unauthorized transaction could be viewed in your electronic history; or after (ii) the statement was made available to youdate we sent the FIRST written history on which the unauthorized transaction appeared, you may not get back any value money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the value money if you had notified told us in time. You If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will not be liable for unauthorized use that occurs after you notify us of extend the loss, theft or unauthorized use of your Card or Access Code(s). You also agree to cooperate completely with us and Servicer in attempts to recover funds from unauthorized users and to assist in their prosecution. The Bank may issue replacement Card(s) or Access Code(s), but only after you have provided such proof and security or indemnification as the Bank may require. In addition, you acknowledge that the Bank may have to deactivate your Card(s) or Transaction Account to prevent future losses. If you share your Card(s) or Access Code(s) with another person, use of your Transaction Account by that person may be considered as authorized. If you authorize another person to use your Card or Access Code(s), you agree that you will be liable for all transactions arising from use of the Card or Access Code(s) by such person except as otherwise set forth in this Agreement. In all cases, our liability for an unauthorized transaction is limited to reimbursing you for the face amount of the unauthorized transaction and any corresponding fees, except as otherwise required by applicable law. A transaction is unauthorized if it is not initiated by you, you did not give permission to make the transaction, or you do not benefit from the transaction in any waytime periods.

Your Liability for Unauthorized Transactions. You agree to exercise reasonable control over your PIN(s); user ID(s); and password(s) and any other access code related to your Transaction Account and your Card (each, an “Access Code"). If Tell us AT ONCE if you believe the your Card or Access Code has been lost, compromised or stolen, immediately notify us verbally or via email by using the cardholder support contact information. If you believe the Card Information has been lost or stolen, stolen or that someone has transferred money or may transfer money from your Transaction Account without your permission, notify us verbally or via email by using the cardholder support contact information. We may suspend or cancel your Card or corresponding Transaction Account in the event of excessive reports of Card loss or theft. Under the Mastercard Rules, you will not be held responsible for unauthorized transactions if you have used reasonable care in protecting your Card from loss or theft and you have promptly reported to us when you knew believe that your Card was lost or stolen. Zero Liability does not apply to Mastercard payment cards that are used for commercial purposes or anonymous prepaid cards (until such time as the identity of the cardholder a transaction has been registered with us). In the event that Mastercard Zero Liability does not apply, if you notify us within two (2) business days after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used your Card made without your permission. Your Card can be marked lost or stolen by telephoning us at 1-800- 480-6876. Reporting your card lost or stolen as soon as you are aware it’s missing is the best way to minimize your possible losses. You could lose all the money in your Account. If you do not notify tell us within two (2) business days after you learn of the loss or theft of your Card or Access Information you can lose no more than $50 if someone used your Card or Access Information 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 Access Information, and we can prove that we could have stopped someone from using your Card or Access Information without your permission if you had promptly notified told us, you could lose as much as $500.00500. If your Card is a MasterCard Card, you will not be liable for the amounts stated above provided that the following preconditions are met: (i) Your Card is in good standing; (ii) You have exercised reasonable care in safeguarding your Card from any Unauthorized Use (e.g. you were not grossly negligent or fraudulent in the handling of your Card); and You have not reported two or more unauthorized events in the past twelve (12) months. Also, if you become aware of, your online or your Transaction Account statement paper transaction history shows transactions transfers you did not make, notify including those made by Card, code or other means, tell us at once following the procedures stated in Section 17 (Your Right to Dispute Errors)once. If you do not notify tell us within sixty 60 days from the earlier of: (60i) days after the date you become aware of electronically access your Card Account, if the transaction unauthorized transfer could be viewed in your electronic history; or after (ii) the statement was made available to youdate we sent the FIRST written history on which the unauthorized transfer appeared, you may not get back any value money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the value money if you had notified told us in time. You If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. NOTE: MasterCard Zero Liability covers U.S.-issued cards only; and does not apply to ATM transactions, PIN transactions not processed by MasterCard, or certain commercial card transactions. Individual provisional credit amounts are provided on a provisional basis and may be liable for withheld, delayed, limited, or rescinded by the Servicer based on factors such as gross negligence or fraud, delay in reporting unauthorized use that occurs after you notify us use, investigation and verification of the loss, theft or unauthorized use of your Card or Access Code(s)claim and account standing and history. You also agree to cooperate completely with us and must notify the Servicer in attempts to recover funds from immediately of any unauthorized users and to assist in their prosecutionuse. The Bank transaction(s) at issue must be posted to your account before provisional credit may issue replacement Card(s) or Access Code(s), but only after you have provided such proof and security or indemnification as the Bank may require. In addition, you acknowledge that the Bank may have to deactivate your Card(s) or Transaction Account to prevent future lossesbe issued. If MasterCard Rules are changed to affect your liability, those changes will become applicable to your transactions under this Agreement upon notice to you share your Card(s) or Access Code(s) with another person, use of your Transaction Account as provided by that person may be considered as authorized. If you authorize another person to use your Card or Access Code(s), you agree that you will be liable for all transactions arising from use of the Card or Access Code(s) by such person except as otherwise set forth in this Agreement. In all cases, our liability for an unauthorized transaction is limited to reimbursing you for the face amount of the unauthorized transaction and any corresponding fees, except as otherwise required by applicable law. A transaction is unauthorized if it is not initiated by you, you did not give permission to make the transaction, or you do not benefit from the transaction in any way.

Your Liability for Unauthorized Transactions. You agree to exercise reasonable control over your PIN(s); user ID(s); and password(s) and any other access code related to your Transaction Account and your Card (each, an “Access Code")Card. If you believe the Card or Access Code has been lost, compromised or stolen, immediately notify us verbally or via email by using the cardholder support contact information. If you believe the Card has been lost or stolen, or that someone has transferred money or may transfer money from your Transaction Account without your permission, notify us verbally or via email by using the cardholder support contact information. We may suspend or cancel your Card or corresponding Transaction Account in the event of excessive reports of Card loss or theft. Under the Mastercard Rules, you will not be held responsible for unauthorized transactions if you have used reasonable care in protecting your Card from loss or theft and you have promptly reported to us when you knew that your Card was lost or stolen. Zero Liability does not apply to Mastercard payment cards that are used for commercial purposes or anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us). In the event that Mastercard Zero Liability does not apply, if you notify us within two (2) business days after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used your Card 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 and we can prove that we could have stopped someone from using your Card without your permission if you had promptly notified us, you could lose as much as $500.00. Also, if If you become aware of, or your Transaction Account statement shows transactions you did not make, notify us at once following the procedures stated in Section 17 16 (Your Right to Dispute Errors). If you do not notify us within sixty (60) days after you become aware of the transaction or after the statement was made available to you, you may not get back any value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the value if you had notified us in time. You will not be liable for unauthorized use that occurs after you notify us of the loss, theft or unauthorized use of your Card or Access Code(s)Card. You also agree to cooperate completely with us and Servicer in attempts to recover funds from unauthorized users and to assist in their prosecution. The Bank may issue replacement Card(s) or Access Code(s)PIN, but only after you have provided such proof and security or indemnification as the Bank may require. In addition, you acknowledge that the Bank may have to deactivate your Card(s) or Transaction Account to prevent future losses. If you share your Card(s) or Access Code(s) with another person, use of your Transaction Account by that person may be considered as authorized. If you authorize another person to use your Card or Access Code(s), you agree that you will be liable for all transactions arising from use of the Card or Access Code(s) by such person except as otherwise set forth in this Agreement. In all cases, our liability for an unauthorized transaction is limited to reimbursing you for the face amount of the unauthorized transaction and any corresponding fees, except as otherwise required by applicable law. A transaction is unauthorized if it is not initiated by you, you did not give permission to make the transaction, or you do not benefit from the transaction in any way.

Your Liability for Unauthorized Transactions. You agree to exercise reasonable control over your PIN(s); user ID(s); and password(s) and any other access code related to your Transaction Card Account and your Card (each, an “Access Code")) and your Card. If you believe the Card or Access Code has been lost, compromised or stolen, immediately notify contact us verbally at [Insert phone number] or via email by using us at [Insert Email Address]. Telephoning is the cardholder support contact informationbest way to minimize your possible losses. If you believe the Card has been lost or stolen, or that someone has transferred money or may transfer money from your Transaction Card Account without your permission, notify us verbally or via email by using the cardholder support contact information. at xxxxxxx@xxx.xx We may suspend or cancel your Card or and/or corresponding Transaction Card Account in the event of excessive reports of Card loss or theft. Under the Mastercard Visa Rules, you will not be held responsible for unauthorized transactions if you have used reasonable care in protecting your Card from loss or theft and you have promptly reported to us when you knew that your Card was lost or stolen. Zero Liability does not apply to Mastercard Visa payment cards that are used for commercial purposes or anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us). In the event that Mastercard Visa Zero Liability does not apply, if you notify us within two (2) business days after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used your Card 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 and we can prove that we could have stopped someone from using your Card without your permission if you had promptly notified us, you could lose as much as $500.00. Also, if you become aware of, or of and/or your Transaction Account statement shows transactions you did not make, notify us at once following the procedures stated in Section 17 XVIII (Your Right to Dispute Errors). If you do not notify us within sixty (60) days after you become aware of the transaction or and/or after the statement was made available to you, you may not get back any value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the value if you had notified us in time. You will not be liable for unauthorized use that occurs after you notify us of the loss, theft or unauthorized use of your Card or Access Code(s). You also agree to cooperate completely with us and Servicer the Bank in attempts to recover funds from unauthorized users and to assist in their prosecution. The Bank may issue replacement Card(s) or Access Code(s), but only after you have provided such proof and security or indemnification as the Bank may require. In addition, you acknowledge that the Bank may have to deactivate your Card(s) or Transaction and/or Card Account to prevent future losses. If you share your Card(s) or Access Code(s) with another person, use of your Transaction Card Account by that person may be considered as authorized. If you authorize another person to use your Card or Access Code(s), you agree that you will be liable for all transactions arising from use of the Card or Access Code(s) by such person except as otherwise set forth in this Agreement. In all cases, our liability for an unauthorized transaction is limited to reimbursing you for the face amount of the unauthorized transaction and any corresponding fees, except as otherwise required by applicable law. A transaction is unauthorized if it is not initiated by you, you did not give permission to make the transaction, transaction or you do not benefit from the transaction in any way.

Your Liability for Unauthorized Transactions. You agree to exercise reasonable control over your PIN(s); user ID(s); and password(s) and any other access code related to your Transaction Account and your Card (each, an “Access Code"). If Tell us AT ONCE if you believe the Card or Access that your Security Code has been lost, compromised or stolen, immediately notify us verbally or via email by using the cardholder support contact information. If you believe the Card has been lost or stolen, or if you believe that someone has transferred money used it or may use it to access your accounts and transfer money from your Transaction Account without your permission, notify us verbally or via email by using the cardholder support contact information. We may suspend or cancel your Card or corresponding Transaction Account in the event of excessive reports of Card loss or theft. Under the Mastercard Rules, you will not be held responsible for unauthorized transactions if you have used reasonable care in protecting your Card from loss or theft and you have promptly reported to us when you knew that your Card was lost or stolen. Zero Liability does not apply to Mastercard payment cards that are used for commercial purposes or anonymous prepaid cards (until such time as the identity of the cardholder believe than an electric fund transfer has been registered with us)made without your permission using information from your check. In Telephoning us is the event that Mastercard Zero Liability does not apply, if best way of keeping your possible losses down. You could lose all the money in your account plus any available credit on your line(s) of credit. If you notify tell us within two (2) business days after you learn of any unauthorized transactionslearning or suspecting that your Security Code was lost, stolen, or used by someone without your permission, you can lose no more than $50.00 if someone used your Card Security Code without your permission. If you do not NOT notify us within two (2) business days after you learn of the loss or theft of your Card Security Code, and we can prove that we could have stopped someone from using your Card Security Code without your permission if had you had promptly notified told us, you could lose as much as $500.00500. Also, if you become aware of, or your Transaction Account statement shows transactions transfers that you did not make, notify tell us at once following the procedures stated in Section 17 (Your Right to Dispute Errors)AT ONCE. If you do not notify tell us within sixty (60) days after you become aware of the transaction or after the statement was mailed or made available to you, you may not get back any value money you lost after the sixty (60) days if we can prove that we could have stopped prevented someone from taking the value if money had you had notified told us in time. You If a valid reason (such as a long trip or a hospital stay) kept you from telling us, we will not be liable for unauthorized use that occurs after you notify us of extend the loss, theft or unauthorized use of your Card or Access Code(s). You also agree to cooperate completely with us and Servicer in attempts to recover funds from unauthorized users and to assist in their prosecution. The Bank may issue replacement Card(s) or Access Code(s), but only after you have provided such proof and security or indemnification as the Bank may require. In addition, you acknowledge that the Bank may have to deactivate your Card(s) or Transaction Account to prevent future lossestime period. If you share believe your Card(s) Security Code has been lost or Access Code(s) with another personstolen, use call us at 000.000.0000, fax us at 808.871-5421, or write to us at Valley Isle Community Federal Credit Union, 000 Xxxxxxx Xxxxxx, Xxxxxxx, XX 00000. You should also call the number or write to the address listed above if you believe a transaction has been made using the information from your check without your permission. For purposes of your Transaction Account by that person may be considered as authorizedthese disclosures, our business days are Monday to Friday. If you authorize another person to use your Card or Access Code(s), you agree that you will be liable for all transactions arising from use of the Card or Access Code(s) by such person except as otherwise set forth in this AgreementHolidays are not included. In all casesCase Of Errors Or Questions About Your Electronic Funds Transfers: Contact us at 000.000.0000, our liability for an unauthorized transaction is limited to reimbursing you for the face amount of the unauthorized transaction and any corresponding fees, except as otherwise required by applicable law. A transaction is unauthorized if it is not initiated by you, you did not give permission to make the transactionfax us at 808.871-5421, or write us at Valley Isle CFCU, 000 Xxxxxxx Xx., Xxxxxxx, XX 00000, as soon as you do not benefit can, if you think your statement or receipt is wrong or if you need more information about a transaction listed on a statement or receipt. We must hear from you no later than sixty (60) days after we sent the transaction in any wayFIRST statement on which the problem or error appeared 1.) Tell us your name and account number (if any).

Your Liability for Unauthorized Transactions. You agree to exercise reasonable control over your PIN(s); user ID(s); and password(s) and any other access code related to your Transaction Account and your Card (each, an “Access Code"). If you believe the your Card or Access Code has been lost, compromised or stolen, immediately notify us verbally or via email by using the cardholder support contact information. If you believe the Card Information has been lost or stolen, call 0-000-000-0000 or that someone write to Card Services, Xxx Xxxxxxxx Xxx, Suite 175, Cincinnati, OH 45246. You should also call the number or write to the address listed above if you believe a transfer has transferred money or may transfer money from your Transaction Account without your permission, notify us verbally or via email by been made using the cardholder support contact information. We may suspend or cancel information from your Card or corresponding Transaction Account in the event of excessive reports of Card loss or theft. Under the Mastercard Rules, you will not be held responsible for unauthorized transactions if you have used reasonable care in protecting your Card from loss or theft and you have promptly reported to us when you knew that your Card was lost or stolen. Zero Liability does not apply to Mastercard payment cards that are used for commercial purposes or anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us). In the event that Mastercard Zero Liability does not apply, if you notify us within two (2) business days after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used your Card PIN without your permission. Tell us AT ONCE if you believe your Card or Access Information has been lost or stolen or if you believe that a transaction has been made without your permission. Telephoning us is the best way to minimize your possible losses. You could lose all the money in your account. If you do not notify tell us within two (2) business days after you learn of the loss or theft of your Card or Access Information you can lose no more than $50 if someone used your Card or Access Information 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 Access Information, and we can prove that we could have stopped someone from using your Card or Access Information without your permission if you had promptly notified told us, you could lose as much as $500.00500. Also, if you become aware of, or your Transaction Account statement shows transactions transfers you did not make, notify including those made by Card, code or other means, tell us at once following the procedures stated in Section 17 (Your Right to Dispute Errors)once. If you do not notify tell us within sixty (60) 60 days after you become aware from the earlier of the transaction date you electronically access your Card Account, if the unauthorized transfer could be viewed in your electronic history, or after the statement was made available to youdate we sent the FIRST written history on which the unauthorized transfer appeared, you may not get back any value money you lost after the sixty (60) 60 days if we can prove that we could have stopped someone from taking the value money if you had notified 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. MasterCard Rules: You may have additional rights under the MasterCard rules, and in some instances such rules provide that you will not be liable for unauthorized use that occurs after of your Card. To qualify for such protection, you notify us of the must exercise reasonable care in safeguarding your Card from loss, theft or unauthorized use and notify us promptly upon becoming aware of the loss or theft. Disputes with Merchants: We are not responsible for the delivery, quality, safety, legality or any other aspect of goods and services that you purchase from others with your Card. All such disputes should be addressed to the merchants from whom the goods and services were purchased. Errors or Questions about Card Transactions: If you think your electronic transaction history or a receipt is wrong or if you need more information about a transaction listed on your electronic transaction history or receipt, please contact us as soon as possible at 0-000-000-0000, or write to us at Card Services, X.X. Xxx 0000, Xxxxx Xxxxx, XX 00000-0000. We must hear from you no later than 60 days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic transaction history, or the date we sent the FIRST written history on which the error appeared. You will need to tell us the following: (1) your name and address, (2) your Card or Access Code(s). You also agree to cooperate completely with us Number, (3) why you believe there is an error, (4) the dollar amount involved, and Servicer in attempts to recover funds from unauthorized users and to assist in their prosecution. The Bank may issue replacement Card(s(5) or Access Code(s), but only after you have provided such proof and security or indemnification as approximately when the Bank may require. In addition, you acknowledge that the Bank may have to deactivate your Card(s) or Transaction Account to prevent future losseserror took place. If you share tell us verbally, we may require that you send us written information within ten (10) business days. We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your Card(s) complaint or Access Code(s) with another personquestion. If we decide to do this, use we will provisionally credit your account within 10 business days for the amount you think is in error, so that you will have the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. For errors involving new accounts, POS, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. We will tell you the results within 3 business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of your Transaction Account by that person may be considered as authorizedthe documents we used in our investigation. If you authorize another person to use your Card or Access Code(s)have any further questions regarding our error resolution procedures, you agree that you will be liable for all transactions arising from use of the Card or Access Code(s) please contact us by such person except as otherwise set forth in this Agreement. In all cases, our liability for an unauthorized transaction is limited to reimbursing you for the face amount of the unauthorized transaction and any corresponding fees, except as otherwise required by applicable law. A transaction is unauthorized if it is not initiated by you, you did not give permission to make the transaction, or you do not benefit from the transaction in any waycalling 1-866- 000-0000.

Your Liability for Unauthorized Transactions. If You agree to exercise reasonable control over your PIN(s); user ID(s); and password(s) and any other access code related to your Transaction Account and your Card (each, an “Access Code"). If you believe tell Us within 2 business days after You learn of the Card or Access Code has been lost, compromised or stolen, immediately notify us verbally or via email by using the cardholder support contact information. If you believe the Card has been lost or stolen, or that someone has transferred money or may transfer money from your Transaction Account without your permission, notify us verbally or via email by using the cardholder support contact information. We may suspend or cancel your Card or corresponding Transaction Account in the event of excessive reports of Card loss or theft. Under the Mastercard Rules, you will not be held responsible for unauthorized transactions if you have used reasonable care in protecting your Card from loss or theft and you have promptly reported to us when you knew that your Card was lost of Your member number, password or stolen. Zero Liability does not apply to Mastercard payment cards that are used for commercial purposes or anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us). In the event that Mastercard Zero Liability does not applyother access codes, if you notify us within two (2) business days after you learn of any unauthorized transactions, you You can lose no more than $50.00 if someone used your Card them without your Your permission. If you You do not notify us NOT tell Us within two (2) 2 business days after you You learn of the loss or theft of your Card Your member number, password or other access codes, and we We can prove that we We could have stopped someone from using your Card them without your Your permission if you You had promptly notified ustold Us, you You could lose as much as $500.00. Also, if you become aware of, or your Transaction Account Your statement for a consumer account shows transactions you transfers covered by this Agreement that You did not makemake or authorize, notify us tell Us at once following the procedures stated in Section 17 (Your Right to Dispute Errors)once. If you You do not notify us tell Us within sixty (60) 60 days after you become aware of the transaction or after the statement was made available mailed to youYou, you You may not get back any value you money lost after the sixty (60) 60 days if we We can prove that we We could have stopped someone from taking the value money if you You had notified us told Us in time. If a good reason (such as a long trip or hospital stay) kept You from telling Us, We will extend the time periods. In Case of Errors or Questions About Transactions This section applies only to transactions covered by this Agreement. You may call at 000.000.0000 or write Us at DFCU Financial PO Box 6048, Dearborn, MI 48121-6048 as soon as You can, if You think Your statement is wrong or if You need more information about a transfer covered by this Agreement which is listed on the statement. We must hear from You no later than 60 days after We sent the FIRST statement on which the problem or error appeared. Tell Us Your name and account number (if any). Describe the error or transfer You are unsure about, and explain as clearly as You can why You believe it is an error and why You need more information. Tell Us the dollar amount of the suspected error. If You tell Us orally, We may require that You send Us Your complaint or question in writing so that We receive it within 10 business days. We will determine whether an error occurred within 10 business days after We hear from You and will correct any error promptly. If We need more time, however, We may take up to 45 days to investigate Your complaint or question. If We decide to do this, We will provisionally credit Your account within 10 business days for the amount You think is in error, so that You will not be liable for unauthorized use that occurs after you notify us of have the loss, theft or unauthorized use of your Card or Access Code(s). You also agree to cooperate completely with us and Servicer in attempts to recover funds from unauthorized users and to assist in their prosecution. The Bank may issue replacement Card(s) or Access Code(s), but only after you have provided such proof and security or indemnification as the Bank may require. In addition, you acknowledge that the Bank may have to deactivate your Card(s) or Transaction Account to prevent future losses. If you share your Card(s) or Access Code(s) with another person, use of your Transaction Account by that person may be considered as authorized. If you authorize another person to use your Card or Access Code(s), you agree that you will be liable for all transactions arising from use of the Card money during the time it takes Us to complete Our investigation. If We ask You to put Your complaint or Access Code(s) question in writing and We do not receive it within 10 business days, We are not required to provisionally credit Your account. When the investigation is completed, We will make any necessary or appropriate adjustments to Your account. We will tell You the results within 3 business days after completing Our investigation. If We decide that there was no error or the error was different than You described, We will send You a written explanation. You may ask for copies of the documents that We used in Our investigation by contacting Us at the phone number or address listed above. Changing Terms and Terminating This Agreement This Agreement will stay in effect until it is changed or terminated. We have the right to terminate this Agreement at any time. We will ordinarily send You notice of any termination, but We are not required to do so unless applicable law requires such person except as otherwise set forth notice. Once We terminate this Agreement, no further or pending transfers will be made, including but not limited to any transfers scheduled in advance or any preauthorized recurring transfers. We may routinely terminate Online Banking service for members that have not used the service within the first 30 days after activation or if the service has been inactive for 180 days. We also have the right to make changes to this Agreement at any time. Your use of these services after any such change indicates that You agree with the changes or additions made to this Agreement. In all casesWe will comply with any notice requirements under applicable law for such changes. If applicable law does not specify any notice requirements for the change, our liability for an unauthorized transaction is We will decide what kind of notice (if any) We will give You and the method of providing any such notice. You may terminate this Agreement at any time by notifying Us in writing. However any instructions from You to make transfers will continue in effect until We have received Your written notice of termination and have had a reasonable opportunity to act upon it. Once We have acted upon Your notice, no further or pending transfers will be made, including but not limited to reimbursing you for the face amount of the unauthorized transaction any transfers scheduled in advance or any preauthorized recurring transfers. You are not permitted to alter or amend this Agreement or any related document without Our express written consent. Any attempt to do so will be void and any corresponding fees, except as otherwise required by applicable law. A transaction is unauthorized if it is not initiated by you, you did not give permission to make the transaction, or you do not benefit from the transaction in any wayunenforceable.

Your Liability for Unauthorized Transactions. You agree to exercise reasonable control over your PIN(s); user ID(s); and password(s) and any other access code related to your Transaction Account and your Card (each, an “Access Code"). If Tell us AT ONCE if you believe the your Card or Access Code has been lost, compromised or stolen, immediately notify us verbally or via email by using the cardholder support contact information. If you believe the Card Information has been lost or stolen, stolen or that someone has transferred money or may transfer money from your Transaction Account without your permission, notify us verbally or via email by using the cardholder support contact information. We may suspend or cancel your Card or corresponding Transaction Account in the event of excessive reports of Card loss or theft. Under the Mastercard Rules, you will not be held responsible for unauthorized transactions if you have used reasonable care in protecting your Card from loss or theft and you have promptly reported to us when you knew believe that your Card was lost or stolen. Zero Liability does not apply to Mastercard payment cards that are used for commercial purposes or anonymous prepaid cards (until such time as the identity of the cardholder a transaction has been registered with us). In the event that Mastercard Zero Liability does not apply, if you notify us within two (2) business days after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used your Card made without your permission. Your Card can be marked lost or stolen by telephoning us at 1-800- 384-2038. Reporting your card lost or stolen as soon as you are aware it’s missing is the best way to minimize your possible losses. You could lose all the money in your Account. If you do not notify tell us within two (2) business days after you learn of the loss or theft of your Card or Access Information you can lose no more than $50 if someone used your Card or Access Information 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 Access Information, and we can prove that we could have stopped someone from using your Card or Access Information without your permission if you had promptly notified told us, you could lose as much as $500.00500. If your Card is a MasterCard Card, you will not be liable for the amounts stated above provided that the following preconditions are met: (i) Your Card is in good standing; (ii) You have exercised reasonable care in safeguarding your Card from any Unauthorized Use (e.g. you were not grossly negligent or fraudulent in the handling of your Card); and You have not reported two or more unauthorized events in the past twelve (12) months. Also, if you become aware of, your online or your Transaction Account statement paper transaction history shows transactions transfers you did not make, notify including those made by Card, code or other means, tell us at once following the procedures stated in Section 17 (Your Right to Dispute Errors)once. If you do not notify tell us within sixty 60 days from the earlier of: (60i) days after the date you become aware of electronically access your Card Account, if the transaction unauthorized transfer could be viewed in your electronic history; or after (ii) the statement was made available to youdate we sent the FIRST written history on which the unauthorized transfer appeared, you may not get back any value money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the value money if you had notified told us in time. You If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. NOTE: MasterCard Zero Liability covers U.S.-issued cards only; and does not apply to ATM transactions, PIN transactions not processed by MasterCard, or certain commercial card transactions. Individual provisional credit amounts are provided on a provisional basis and may be liable for withheld, delayed, limited, or rescinded by the Servicer based on factors such as gross negligence or fraud, delay in reporting unauthorized use that occurs after you notify us use, investigation and verification of the loss, theft or unauthorized use of your Card or Access Code(s)claim and account standing and history. You also agree to cooperate completely with us and must notify the Servicer in attempts to recover funds from immediately of any unauthorized users and to assist in their prosecutionuse. The Bank transaction(s) at issue must be posted to your account before provisional credit may issue replacement Card(s) or Access Code(s), but only after you have provided such proof and security or indemnification as the Bank may require. In addition, you acknowledge that the Bank may have to deactivate your Card(s) or Transaction Account to prevent future lossesbe issued. If MasterCard Rules are changed to affect your liability, those changes will become applicable to your transactions under this Agreement upon notice to you share your Card(s) or Access Code(s) with another person, use of your Transaction Account as provided by that person may be considered as authorized. If you authorize another person to use your Card or Access Code(s), you agree that you will be liable for all transactions arising from use of the Card or Access Code(s) by such person except as otherwise set forth in this Agreement. In all cases, our liability for an unauthorized transaction is limited to reimbursing you for the face amount of the unauthorized transaction and any corresponding fees, except as otherwise required by applicable law. A transaction is unauthorized if it is not initiated by you, you did not give permission to make the transaction, or you do not benefit from the transaction in any way.