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 Debit Card (each, an “Access Code"). If you believe the Debit Card or Access Code has been lost, compromised or stolen, immediately contact us at 000-000-0000 or email us at xxxxxxxxxxx@xxxxx.xxx. Telephoning is the best way to minimize your possible losses. If you believe the Debit Card has been lost or stolen call 000-000-0000 or email at xxxxxxxxxxx@xxxxx.xxx. We may suspend or cancel your Debit Card in the event of excessive reports of Debit Card loss or theft. Under 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. 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 and/or your statement shows transactions you did not make, notify us at once following the procedures stated in Section XVIII (Your Right to Dispute Errors). If you do not notify us within sixty (60) days after you become aware of the transaction 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 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) to prevent future losses. If you share your Debit Card(s) or Access Code(s) with another person, use of your 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 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 Debit Card (each, an “Access Code"). If Tell us AT ONCE if you believe the Debit your Card or Access Code PIN has been lost, compromised lost or stolen, immediately contact us at 000-000-0000 or email us at xxxxxxxxxxx@xxxxx.xxxif you believe that an electronic fund transfer has been made without your permission using information from your Card. Telephoning is the best way to minimize of keeping your possible losseslosses down. You could lose all the money in your account. If you believe the Debit Card has been lost or stolen call 000-000-0000 or email at xxxxxxxxxxx@xxxxx.xxx. We may suspend or cancel your Debit Card in the event of excessive reports of Debit Card loss or theft. Under 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. 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 Debit 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 Debit 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 Debit 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 your statement shows transactions transfers that you did not make, including those made by cardCard, code or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed to youearlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history on which the error appeared, 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. AlsoIf you believe your Card or 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 call the number or write to the address listed above if you become aware of and/or your statement shows transactions you did not make, notify us at once following the procedures stated in Section XVIII (Your Right to Dispute Errors). If you do not notify us within sixty (60) days after you become aware of the transaction 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 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) to prevent future losses. If you share your Debit Card(s) or Access Code(s) with another person, use of your 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 believe an unauthorized transaction is limited to reimbursing you for transfer has been made using 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 information from the transaction in any wayyour Card without 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 Debit Transaction Account and your Card (each, an “Access Code"). If you believe the Debit Card or Access Code has been lost, compromised or stolen, immediately notify us verbally or via email by using the cardholder support contact us at 000-000-0000 or email us at xxxxxxxxxxx@xxxxx.xxx. Telephoning is the best way to minimize your possible lossesinformation. If you believe the Debit Card has been lost or stolen call 000-000-0000 stolen, or that someone has transferred money or may transfer money from your Transaction Account without your permission, notify us verbally or via email at xxxxxxxxxxx@xxxxx.xxxby using the cardholder support contact information. 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 cardscards (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 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 and/or your statement shows transactions you did not make, notify us at once following the procedures stated in Section XVIII (Your Right to Dispute Errors). If you do not notify us within sixty (60) days after you become aware of the transaction 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 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) to prevent future losses. If you share your Debit Card(s) or Access Code(s) with another person, use of your 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 or you do not benefit from the transaction in any way.

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 Debit Card (each, an “Access Code"). If you believe tell Us within 2 business days after You learn of the Debit Card or Access Code has been lost, compromised or stolen, immediately contact us at 000-000-0000 or email us at xxxxxxxxxxx@xxxxx.xxx. Telephoning is the best way to minimize your possible losses. If you believe the Debit Card has been lost or stolen call 000-000-0000 or email at xxxxxxxxxxx@xxxxx.xxx. We may suspend or cancel your Debit Card in the event of excessive reports of Debit Card loss or theft. Under 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 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. 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 Debit 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 Debit Card Your member number, password or other access codes, and we We can prove that we We could have stopped someone from using your Debit 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 your Your statement for a consumer account shows transactions transfers covered by this Agreement that you You did not make, including those made by card, code make or other meansauthorize, tell us Us at once. If you You do not tell us Us within 60 days after the statement was mailed to youYou, you You may not get back any money you lost after the 60 days if we We can prove that we We could have stopped someone from taking the money if you You had told us Us in time. If a good reason (such as a long trip or a hospital stay) kept you You from telling usUs, we We will extend the time periods. AlsoIn 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 become aware of and/or your You think Your statement shows transactions you did not make, notify us at once following is wrong or if You need more information about a transfer covered by this Agreement which is listed on the procedures stated in Section XVIII 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 (Your Right to Dispute Errorsif 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 do not notify us You tell Us orally, We may require that You send Us Your complaint or question in writing so that We receive it within sixty (60) 10 business days. We will determine whether an error occurred within 10 business days after you become aware of 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 transaction and/or after the statement was made available to youamount You think is in error, you may not get back any value you lost after the sixty (60) days if we can prove so 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 have the loss, theft or unauthorized use of your Debit Card or Access Code(s). You also agree to cooperate completely with us and 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) to prevent future losses. If you share your Debit Card(s) or Access Code(s) with another person, use of your 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 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. 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 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 Debit Card (each, an “Access Code"account(s). If you believe the Debit Card or Access Code has been lost, compromised or stolen, immediately contact us at 000-000-0000 or email us at xxxxxxxxxxx@xxxxx.xxx. Telephoning is the best way to minimize that your possible losses. If you believe the Debit Card Password has been lost or stolen call or that someone has performed a payment or transfer without your permission, you must notify us AT ONCE, by calling (000-) 000-0000 or email at xxxxxxxxxxx@xxxxx.xxx. We may suspend or cancel your Debit Card in the event of excessive reports of Debit Card loss or theft. Under 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 writing to us when you knew that your Debit 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. 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 Debit 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 Debit 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 Debit 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 your any account statement shows transactions online transfers or payments that you did not make, including those made by card, code or other means, tell us at onceAT ONCE. If you do not tell us within 60 sixty (60) days after the a statement showing such a payment or transfer was mailed transmitted to you, you may not get back any money you lost after the 60 sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (reason, such as a long trip or a hospital stay) kept , prevented you from telling us, we will extend the time periods. Also, if you become aware of and/or your statement shows transactions you did not make, notify us at once following the procedures stated in Section XVIII (Your Right to Dispute Errors). If you do not notify us within sixty (60) days after you become aware of the transaction 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 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) to prevent future losses. If you share your Debit Card(s) or Access Code(s) with another person, use of your 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 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 Debit Card (each, an “Access Code"). If Tell us AT ONCE if you believe the Debit your Card or Access Code PIN has been lost, compromised lost or stolen, immediately contact us at 000-000-0000 or email us at xxxxxxxxxxx@xxxxx.xxxif you believe that an electronic fund transfer has been made without your permission using information from your Card. Telephoning is the best way to minimize of keeping your possible losseslosses down. You could lose all the money in your account. If you believe the Debit Card has been lost or stolen call 000-000-0000 or email at xxxxxxxxxxx@xxxxx.xxx. We may suspend or cancel your Debit Card in the event of excessive reports of Debit Card loss or theft. Under 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. 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 Debit 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 Debit 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 Debit Card or PIN without your permission if you had promptly notified told us, you could lose as much as $500.00500. Also, if your statement shows transactions transfers 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 youearlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history on which the error appeared, 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. AlsoIf you believe your Card or 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 call the number or write to the address listed above if you become aware of and/or your statement shows transactions you did not make, notify us at once following the procedures stated in Section XVIII (Your Right to Dispute Errors). If you do not notify us within sixty (60) days after you become aware of the transaction 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 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) to prevent future losses. If you share your Debit Card(s) or Access Code(s) with another person, use of your 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 believe an unauthorized transaction is limited to reimbursing you for transfer has been made using 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 information from the transaction in any wayyour Card without 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 Debit Card (each, an “Access Code"). If shall tell us IMMEDIATELY if you believe the Debit Card or Access Code your password has been lost, compromised lost or stolen, stolen and immediately contact us at 000-000-0000 or email us at xxxxxxxxxxx@xxxxx.xxxchange your password from within the Online Branch section. Telephoning Calling is the best way to minimize notify us immediately. You could lose all the money in your possible lossesaccount (plus your maximum overdraft protection). If you believe the Debit Card has been lost or stolen call 000-000-0000 or email at xxxxxxxxxxx@xxxxx.xxx. We may suspend or cancel your Debit Card in the event of excessive reports of Debit Card loss or theft. Under 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. 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 Debit Card password 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 transfers that you did not make, including those made by card, code or other means, you shall tell us at once. If you do not tell us within 60 sixty (60) days after the statement was mailed to you, you may not get back any money you lost after the 60 sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend have authorized someone else to use the time periods. Also, if you become aware of and/or your statement shows transactions you did not make, notify us at once following the procedures stated in Section XVIII (Your Right to Dispute Errors). If you do not notify us within sixty (60) days after you become aware of the transaction and/or after the statement was made available to youPIN, you may not get back are responsible for all transactions that person(s) initiates at any value time, even if the amount or transactions exceed what 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 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) to prevent future losses. If you share your Debit Card(s) or Access Code(s) with another person, use of your Debit Card by that person may be considered as authorized. If you authorize another person to use believe your Debit 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. 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 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 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 Tell us AT ONCE if you believe your PIN(s); user ID(s); and password(s) and any other access device has been lost or stolen or if you believe someone has used your card or access code related to or otherwise accessed your Debit Card (each, an “Access Code"). If you believe the Debit Card or Access Code has been lost, compromised or stolen, immediately contact us at 000-000-0000 or email us at xxxxxxxxxxx@xxxxx.xxxaccounts without your authority. Telephoning is the best way to minimize of keeping your possible losseslosses down. You are responsible for all electronic transactions you authorize. If you believe the Debit Card has been lost permit other persons to use an electronic funds transfer service, your card or stolen call 000-000-0000 access device, your PIN or email at xxxxxxxxxxx@xxxxx.xxx. We may suspend or cancel your Debit Card in the event of excessive reports of Debit Card loss or theft. Under Mastercard Rules, particularly Zero Liabilityaccess 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 Debit 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 Debit 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. In the event that Mastercard Zero Liability does not applyVisa debit card purchases), 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 Debit 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 Debit Card card, and we can prove that we could have stopped someone from using your Debit Card card without your permission if you had promptly notified told us, you could lose as much as $500.00500. Also, if your statement shows transactions transfers that you did not make, including those made by card, code code, or other means, tell Tell us at onceAT ONCE. If you do not tell us within 60 sixty (60) calendar days after the statement was mailed to youyou showing the first unauthorized transfer, you may not get back any money you lost after the 60 sixty (60) calendar days if we can prove that we could have stopped someone from taking making the money transfers if you had told us in time. If a good reason (such as a long trip extended travel or a hospital stayhospitalization) kept you from telling us, we will may extend the these time periods. AlsoIf 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. 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 greater than the above zero ($0) liability limit, to the extent allowed under applicable law, if: (1) we determine the unauthorized transaction was a result of gross negligence or fraud on your part; (2) you 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, or unauthorized use of your debit card of card number within a reasonable period of time. A reasonable period of time will be determined by the Credit Union in its sole discretion, but in no event will it be shorter than the time periods stated in the Error Resolution Section below. A transaction is considered “unauthorized” if it is initiated by someone other than you become aware (the cardholder) without your actual or apparent authority, and you receive no benefit from the transaction. A transaction 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 other reason the Credit Union concludes the facts and circumstances do not reasonably support a claim of and/or unauthorized use. In any case, to minimize your statement shows transactions potential liability you did not make, should notify us at once following the procedures stated in Section XVIII (Your Right to Dispute Errors). If you do not notify us within of any unauthorized use no later than sixty (60) days after you become aware of the transaction and/or after the your statement was made available mailed 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 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) to prevent future losses. If you share your Debit Card(s) or Access Code(s) with another person, use of your 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 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 Debit Card (each, an “Access Code"). If Tell us AT ONCE if you believe the Debit Card or Access Code your password has been lost, compromised lost or stolen, stolen and immediately contact us at 000-000-0000 or email us at xxxxxxxxxxx@xxxxx.xxxchange your password from within the Online Branch section. Telephoning Calling is the best way to minimize notify us immediately. You could lose all the money in your possible lossesaccount (plus your maximum overdraft protection). If you believe the Debit Card has been lost or stolen call 000-000-0000 or email at xxxxxxxxxxx@xxxxx.xxx. We may suspend or cancel your Debit Card in the event of excessive reports of Debit Card loss or theft. Under 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. 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 Debit Card password 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 transfers 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 sixty (60) days after the statement was mailed to you, you may not get back any money you lost after the 60 sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend have authorized someone else to use the time periods. Also, if you become aware of and/or your statement shows transactions you did not make, notify us at once following the procedures stated in Section XVIII (Your Right to Dispute Errors). If you do not notify us within sixty (60) days after you become aware of the transaction and/or after the statement was made available to youPIN, you may not get back are responsible for all transactions that person(s) initiates at any value time, even if the amount or transactions exceed what 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 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) to prevent future losses. If you share your Debit Card(s) or Access Code(s) with another person, use of your Debit Card 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. In case of errors or questions about Online Branch or your Debit 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 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 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 Debit Card (each, an “Access Code"). If Tell us AT ONCE if you believe the Debit Card or Access Code has been lost, compromised or stolen, immediately contact us at 000-000-0000 or email us at xxxxxxxxxxx@xxxxx.xxx. Telephoning is the best way to minimize your possible losses. If you believe the Debit Card has been lost or stolen call 000-000-0000 stolen, or email at xxxxxxxxxxx@xxxxx.xxx. We may suspend or cancel your Debit Card in the event of excessive reports of Debit Card loss or theft. Under 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 believe 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. 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 an electronic fund transfer has been made without your permission. Calling Customer Service is the best way of keeping your possible losses down. You could lose all the money in your account. If you do not notify tell us within two (2) 2 business days after you learn of the loss or theft of your Debit Card, you can lose no more than $50 if someone used your Card without your permission. If you do NOT tell us within 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 Debit Card without your permission if you had promptly notified told us, you could lose as much as $500.00500. Also, if your statement electronic history shows transactions transfers that you did not make, including those made by card, code your Card or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed to youearlier of the date you electronically accessed your account (if the unauthorized transfer could be viewed in your electronic history), or the date we sent the FIRST written history on which the unauthorized transfer appeared, 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. AlsoVisa Zero Liability policy covers U.S.-issued Visa-branded Cards only and does not apply to ATM transactions, if you become aware of and/or your statement shows PIN transactions you did not makeprocess by Visa, certain commercial card transactions, or unregistered cards. You must notify us at once following the procedures stated in Section XVIII (Your Right to Dispute Errors)promptly of any unauthorized use. If you do not notify us within sixty (60) days after you become aware of the transaction 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 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) to prevent future losses. If you share your Debit Card(s) or Access Code(s) with another person, use of your 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 or you do not benefit from the transaction in any wayFor additional details visit xxx.xxxx.xxx/xxxxxxxx.

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 Debit Card (each, an “Access Code"). If you believe the Debit Card or Access Code has been lost, compromised or stolen, immediately contact us at 000-000-0000 or email us at xxxxxxxxxxx@xxxxx.xxx. Telephoning is the best way to minimize your possible losses. If you believe the Debit Card has been lost or stolen call 000-000-0000 or email at xxxxxxxxxxx@xxxxx.xxxyou 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. We may suspend or cancel Please FREEZE the relevant Card(s) via the GoodCash Application. Reporting your Debit Card in the event of excessive reports of Debit Card loss or theft. Under 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, and any unauthorized or unexpected activity to xxxxxxx@xxxxxxxx.xxx as soon as possible is the best way of keeping your possible losses down. Zero Liability does not apply You could lose all the money available to Mastercard payment cards that are used for commercial purposes or anonymous prepaid cardsspend on your Card and your Funding Account. 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 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, you can lose no more than $50 if someone used your Card without your permission. If you do NOT tell us within two 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 Debit Card Card, without your permission if you had promptly notified told us, you could lose as much as $500.00500. Also, if your periodic statement shows transactions that you did not make, including those made by card, code (if applicable) 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 transaction history (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 stayapplicable) kept you from telling us, we will extend the time periods. Also, if you become aware of and/or your statement shows transactions you did not make, notify us GoodCash at once following the procedures stated in Section XVIII (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 and/or after the periodic statement or account history was sent 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 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, we 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 Debit Card or Access Code(s)a replacement may be sent to you. You also agree to cooperate completely reasonably with us and the Bank Issuer in our attempts to recover funds from unauthorized users from, and to assist in their prosecutionthe prosecution of, any unauthorized users of your Card. The Bank We may issue replacement Debit Card(s) suspend or Access Code(s), but only after cancel your Card and corresponding Account in the event of excessive reports of Card loss or theft. You agree that any unauthorized use does not include use by a person to whom 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) to prevent future losses. If you share your Debit Card(s) or Access Code(s) with another person, use of your Debit Card by that person may be considered as authorized. If you authorize another person given authority to use your Debit the Card or Access Code(s), you agree PIN and that you will be liable for all transactions arising from use of the Debit such uses by such person. For example, if you have given your Card or Access Code(s) by Card information to another person to use, 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 youa friend or relative, you did not give permission are responsible for that person's transactions with your Card, and if you have given your Card information to make a merchant for a transaction, you have given authority to that merchant to debit the transaction or you do not benefit from the transaction in any wayCard for that transaction.

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 Debit Card (each, an “Access Code"). If Tell us AT ONCE if you believe the Debit your Card or Access Code Information has been lost, compromised lost or stolen, immediately contact stolen or if you believe that a transaction has been made without your permission. Your Card can be marked lost or stolen by telephoning us at 0001-000800-0000 688- 9140. Reporting your card lost or email us at xxxxxxxxxxx@xxxxx.xxx. Telephoning stolen as soon as you are aware it’s missing is the best way to minimize your possible losses. If you believe You could lose all the Debit Card has been lost or stolen call 000-000-0000 or email at xxxxxxxxxxx@xxxxx.xxx. We may suspend or cancel money in your Debit Card in the event of excessive reports of Debit Card loss or theft. Under 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. 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 permissionAccount. If you do not notify tell us within two (2) business days after you learn of the loss or theft of your Debit 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 Debit 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 your statement online or paper transaction history shows transactions that transfers you did not make, including those made by cardCard, code or other means, tell us at once. If you do not tell us within 60 days after from the statement was mailed to youearlier of: (i) the date you electronically access your Card Account, if the unauthorized transfer could be viewed in your electronic history; or (ii) the date we sent the FIRST written history on which the unauthorized transfer appeared, you may not get back any money you lost after the 60 sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. AlsoNOTE: MasterCard Zero Liability covers U.S.-issued cards only; and does not apply to ATM transactions, if you become aware PIN transactions not processed by MasterCard, or certain commercial card transactions. Individual provisional credit amounts are provided on a provisional basis and may be withheld, delayed, limited, or rescinded by the Servicer based on factors such as gross negligence or fraud, delay in reporting unauthorized use, investigation and verification of and/or claim and account standing and history. You must notify the Servicer immediately of any unauthorized use. The transaction(s) at issue must be posted to your statement shows transactions you did not make, notify us at once following the procedures stated in Section XVIII (Your Right to Dispute Errors)account before provisional credit may be 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 do not notify us within sixty (60) days after you become aware of the transaction 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 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 as 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) to prevent future losses. If you share your Debit Card(s) or Access Code(s) with another person, use of your 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 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 Debit Card (each, an “Access Code"). If Tell us AT ONCE if you believe the Debit your Card or Access Code Information has been lost, compromised lost or stolen, immediately contact stolen or if you believe that a transaction has been made without your permission. Your Card can be marked lost or stolen by telephoning us at 0001-000800- 480-0000 6876. Reporting your card lost or email us at xxxxxxxxxxx@xxxxx.xxx. Telephoning stolen as soon as you are aware it’s missing is the best way to minimize your possible losses. If you believe You could lose all the Debit Card has been lost or stolen call 000-000-0000 or email at xxxxxxxxxxx@xxxxx.xxx. We may suspend or cancel money in your Debit Card in the event of excessive reports of Debit Card loss or theft. Under 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. 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 permissionAccount. If you do not notify tell us within two (2) business days after you learn of the loss or theft of your Debit 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 Debit 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 your statement online or paper transaction history shows transactions that transfers you did not make, including those made by cardCard, code or other means, tell us at once. If you do not tell us within 60 days after from the statement was mailed to youearlier of: (i) the date you electronically access your Card Account, if the unauthorized transfer could be viewed in your electronic history; or (ii) the date we sent the FIRST written history on which the unauthorized transfer appeared, you may not get back any money you lost after the 60 sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. AlsoNOTE: MasterCard Zero Liability covers U.S.-issued cards only; and does not apply to ATM transactions, if you become aware PIN transactions not processed by MasterCard, or certain commercial card transactions. Individual provisional credit amounts are provided on a provisional basis and may be withheld, delayed, limited, or rescinded by the Servicer based on factors such as gross negligence or fraud, delay in reporting unauthorized use, investigation and verification of and/or claim and account standing and history. You must notify the Servicer immediately of any unauthorized use. The transaction(s) at issue must be posted to your statement shows transactions you did not make, notify us at once following the procedures stated in Section XVIII (Your Right to Dispute Errors)account before provisional credit may be 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 do not notify us within sixty (60) days after you become aware of the transaction 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 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 as 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) to prevent future losses. If you share your Debit Card(s) or Access Code(s) with another person, use of your 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 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 Debit Card (each, an “Access Code"). If Tell us AT ONCE if you believe the Debit your Card or Access Code PIN has been lost, compromised lost or stolen, immediately contact us at 000-000-0000 or email us at xxxxxxxxxxx@xxxxx.xxxif you believe that an electronic fund transfer has been made without your permission using information from your Card. Telephoning is the best way to minimize of keeping your possible losseslosses down. You could lose all the money in your account. If you believe the Debit Card has been lost or stolen call 000-000-0000 or email at xxxxxxxxxxx@xxxxx.xxx. We may suspend or cancel your Debit Card in the event of excessive reports of Debit Card loss or theft. Under 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. 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 Debit 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 Debit 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 Debit Card or PIN without your permission if you had promptly notified told us, you could lose as much as $500.00500. Also, if your statement shows transactions transfers that you did not make, including those made by cardCard, code or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed to youearlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history on which the error appeared, 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. AlsoIf you believe your Card or 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 call the number or write to the address listed above if you become aware of and/or your statement shows transactions you did not make, notify us at once following the procedures stated in Section XVIII (Your Right to Dispute Errors). If you do not notify us within sixty (60) days after you become aware of the transaction 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 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) to prevent future losses. If you share your Debit Card(s) or Access Code(s) with another person, use of your 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 believe an unauthorized transaction is limited to reimbursing you for transfer has been made using 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 information from the transaction in any wayyour Card without 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 Debit Card (each, an “Access Code"). If Tell us AT ONCE if you believe the Debit Card or Access Code that a transaction has been lost, compromised or stolen, immediately contact made without your permission. Your Account can be placed on hold by telephoning us at 000-000-0000 or email 0000. Notifying us at xxxxxxxxxxx@xxxxx.xxx. Telephoning as soon as you are aware that your Account has been compromised is the best way to minimize your possible losses. You could lose all the money in your Account. If you believe the Debit Card has been lost or stolen call 000-000-0000 or email at xxxxxxxxxxx@xxxxx.xxx. We may suspend or cancel your Debit Card in the event of excessive reports of Debit Card loss or theft. Under 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. 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 Debit 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 Debit Card Account has been compromised, and we can prove that we could have stopped someone from using your Debit 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 your statement online or paper transaction history shows transactions that you did not make, including those made by cardAccount, code or other means, tell us at once. If you do not tell us within 60 days after from the statement was mailed to youearlier of: (i) the date you electronically access your Account, if the unauthorized transaction could be viewed in your electronic history; or (ii) the date we sent the FIRST written history on which the unauthorized transaction appeared, you may not get back any money you lost after the 60 sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time. If 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 and/or your statement shows transactions you did not make, notify us at once following the procedures stated in Section XVIII (Your Right to Dispute Errors). If you do not notify us within sixty (60) days after you become aware of the transaction 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 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) to prevent future losses. If you share your Debit Card(s) or Access Code(s) with another person, use of your 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 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 Debit Card (each, an “Access Code")Account. If Tell us AT ONCE if you believe the Debit your Card or Access Code PIN has been lost, compromised lost or stolen, immediately contact us at 000-000-0000 or email us at xxxxxxxxxxx@xxxxx.xxxif you believe that an electronic fund transfer has been made without your permission using information from your Card. Telephoning is the best way to minimize of keeping your possible losseslosses down. You could lose all the money in your account. If you believe the Debit Card has been lost or stolen call 000-000-0000 or email at xxxxxxxxxxx@xxxxx.xxx. We may suspend or cancel your Debit Card in the event of excessive reports of Debit Card loss or theft. Under 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. 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 Debit 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 Debit 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 Debit Card or PIN without your permission if you had promptly notified told 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 once500. If you do not tell us within 60 days after the statement was mailed to youearlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history on which the error appeared, 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. AlsoIf 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 become aware of and/or believe an unauthorized transfer has been made using the information from your statement shows transactions you did not make, notify us at once following the procedures stated in Section XVIII (Your Right to Dispute Errors). If you do not notify us within sixty (60) days after you become aware of the transaction 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 timeCard 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 Debit Card or Access Code(s). You also agree to cooperate completely with us and the Bank in attempts to recover funds from unauthorized users and to assist in their prosecution. The Bank We may issue replacement Debit 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 Debit Card(s) and/or Card Account to prevent future losses. If you share your Debit Card(s) or Access Code(s) (PIN(s)) with another person, use of your Debit Card Account by that person may be considered as authorized. If you authorize another person to use your Debit Card or Access Code(s) (PIN(s)), you agree that you will be liable for all transactions arising from use of the Debit 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 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 Debit Card Account (each, an “Access Code")) and your Card. If you believe the Debit Card or Access Code has been lost, compromised or stolen, immediately contact us at (000-) 000-0000 or email us at xxxxxxxxxxx@xxxxx.xxxxxxx@xxxxxx.xxx . Telephoning is the best way to minimize your possible losses. If you believe the Debit Card has been lost or stolen stolen, or that someone has transferred money or may transfer money from your Card Account without your permission, call (000-) 000-0000 or email at xxxxxxxxxxx@xxxxx.xxx. xxxx@xxxxxx.xxx We may suspend or cancel your Debit Card and/or corresponding Card Account in the event of excessive reports of Debit Card loss or theft. Under Mastercard Visa 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 Visa payment cards that are used for commercial purposes or anonymous prepaid cardscards (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 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 and/or your statement shows transactions you did not make, notify us at once following the procedures stated in Section XVIII (Your Right to Dispute Errors). If you do not notify us within sixty (60) days after you become aware of the transaction 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 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) and/or Card Account to prevent future losses. If you share your Debit Card(s) or Access Code(s) with another person, use of your Debit Card Account 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 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 Debit Card (each, an “Access Code"). If Tell us AT ONCE if you believe the Debit your Card or Access Code Information has been lost, compromised lost or stolen, immediately contact stolen or if you believe that a transaction has been made without your permission. Your Card can be marked lost or stolen by telephoning us at 000844-000-0000 944- 9273. Reporting your card lost or email us at xxxxxxxxxxx@xxxxx.xxx. Telephoning stolen as soon as you are aware it’s missing is the best way to minimize your possible losses. If you believe You could lose all the Debit Card has been lost or stolen call 000-000-0000 or email at xxxxxxxxxxx@xxxxx.xxx. We may suspend or cancel money in your Debit Card in the event of excessive reports of Debit Card loss or theft. Under 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. 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 permissionAccount. If you do not notify tell us within two (2) business days after you learn of the loss or theft of your Debit 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 Debit 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 your statement online or paper transaction history shows transactions that transfers you did not make, including those made by cardCard, code or other means, tell us at once. If you do not tell us within 60 days after from the statement was mailed to youearlier of: (i) the date you electronically access your Card Account, if the unauthorized transfer could be viewed in your electronic history; or (ii) the date we sent the FIRST written history on which the unauthorized transfer appeared, you may not get back any money you lost after the 60 sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. AlsoNOTE: Visa Zero Liability covers U.S.-issued cards only; and does not apply to ATM transactions, if you become aware PIN transactions not processed by Visa, or certain commercial card transactions. Individual provisional credit amounts are provided on a provisional basis and may be withheld, delayed, limited, or rescinded by the Servicer based on factors such as gross negligence or fraud, delay in reporting unauthorized use, investigation and verification of and/or claim and account standing and history. You must notify the Servicer immediately of any unauthorized use. The transaction(s) at issue must be posted to your statement shows transactions you did not make, notify us at once following the procedures stated in Section XVIII (Your Right to Dispute Errors)account before provisional credit may be 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 do not notify us within sixty (60) days after you become aware of the transaction 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 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 as 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) to prevent future losses. If you share your Debit Card(s) or Access Code(s) with another person, use of your 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 or you do not benefit from the transaction in any way.

Your Liability for Unauthorized Transactions. You agree An unauthorized transaction means a transaction using your Card that is initiated by another person without your authority to exercise initiate the transaction and from which you receive no benefit. The term does not include any transaction that is initiated by a person who was furnished with the Card or your PIN by you, unless you have notified us that transactions by that person are no longer authorized and we have had reasonable control over your PIN(s); user ID(s); and password(s) and any other access code related opportunity to your Debit Card (each, an “Access Code")act on that notification. If • Tell us AT ONCE if you believe the Debit your Card or Access Code has been lost, compromised or stolen, immediately contact us at 000-000-0000 or email us at xxxxxxxxxxx@xxxxx.xxx. Telephoning is the best way to minimize your possible losses. If you believe the Debit Card PIN has been lost or stolen call 000-000-0000 or email is subject to unauthorized use. Telephoning us at xxxxxxxxxxx@xxxxx.xxxthe number provided in this Agreement is the best way of keeping your possible losses down. We may suspend or cancel You could lose all your Debit Card in the event of excessive reports of Debit Card loss or theft. Under Mastercard Rules, particularly Zero Liability, you will not be held responsible for unauthorized transactions if you have used reasonable care in protecting money on 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. 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 permissionCard. If you do not notify tell us within two (2) business days after you learn of the loss or theft of your Debit Card or PIN, you can lose no more than $50 if someone used your 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 Debit Card or PIN without your permission if you had promptly notified told us, you could lose as much as $500.00500. • Also, if your statement Card transaction history shows transactions any transaction 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 the earliest of (i) 60 days after the statement date you electronically accessed your Card transaction history on which the transaction appeared, (ii) 60 days after the date we sent you the FIRST written transaction history on which the transaction appeared, or (iii) 120 days after the transaction was mailed credited or debited to youyour Card, you may not get back any money you lost after the 60 days or 120 days, as applicable, 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 and/or your statement shows transactions you did not make, notify us at once following the procedures stated in Section XVIII (Your Right to Dispute Errors). If you do not notify us within sixty (60) days after you become aware of the transaction 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 the Bank in our 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 • 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 Debit Card(s) to prevent future losses. If you share your Debit Card(s) or Access Code(s) with another person, use of your 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 provisions above 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 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) and any other access code related to your Debit Card (each, an “Access Code"). If Tell us AT ONCE if you believe the Debit your Card or Access Code Information has been lost, compromised lost or stolen, immediately contact stolen or if you believe that a transaction has been made without your permission. Your Card can be marked lost or stolen by telephoning us at 0001-000800-0000 790- 6019. Reporting your card lost or email us at xxxxxxxxxxx@xxxxx.xxx. Telephoning stolen as soon as you are aware it’s missing is the best way to minimize your possible losses. If you believe You could lose all the Debit Card has been lost or stolen call 000-000-0000 or email at xxxxxxxxxxx@xxxxx.xxx. We may suspend or cancel money in your Debit Card in the event of excessive reports of Debit Card loss or theft. Under 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. 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 permissionAccount. If you do not notify tell us within two (2) business days after you learn of the loss or theft of your Debit 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 Debit 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 your statement online or paper transaction history shows transactions that transfers you did not make, including those made by cardCard, code or other means, tell us at once. If you do not tell us within 60 days after from the statement was mailed to youearlier of: (i) the date you electronically access your Card Account, if the unauthorized transfer could be viewed in your electronic history; or (ii) the date we sent the FIRST written history on which the unauthorized transfer appeared, you may not get back any money you lost after the 60 sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. AlsoNOTE: MasterCard Zero Liability covers U.S.-issued cards only; and does not apply to ATM transactions, if you become aware PIN transactions not processed by MasterCard, or certain commercial card transactions. Individual provisional credit amounts are provided on a provisional basis and may be withheld, delayed, limited, or rescinded by the Servicer based on factors such as gross negligence or fraud, delay in reporting unauthorized use, investigation and verification of and/or claim and account standing and history. You must notify the Servicer immediately of any unauthorized use. The transaction(s) at issue must be posted to your statement shows transactions you did not make, notify us at once following the procedures stated in Section XVIII (Your Right to Dispute Errors)account before provisional credit may be 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 do not notify us within sixty (60) days after you become aware of the transaction 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 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 as 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) to prevent future losses. If you share your Debit Card(s) or Access Code(s) with another person, use of your 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 or you do not benefit from the transaction in any way.

Your Liability for Unauthorized Transactions. You agree to exercise reasonable control over Tell us AT ONCE if you believe your PIN(s); user ID(s); and password(s) and any other access device has been lost or stolen or if you believe someone has used your card or access code related to or otherwise accessed your Debit Card (each, an “Access Code"). If you believe the Debit Card or Access Code has been lost, compromised or stolen, immediately contact us at 000-000-0000 or email us at xxxxxxxxxxx@xxxxx.xxxaccounts without your authority. Telephoning is the best way to minimize of keeping your possible losseslosses down. You are responsible for all electronic transactions you authorize. If you believe the Debit Card has been lost permit other persons to use an electronic funds transfer service, your card or stolen call 000-000-0000 access device, your PIN or email at xxxxxxxxxxx@xxxxx.xxx. We may suspend or cancel your Debit Card in the event of excessive reports of Debit Card loss or theft. Under Mastercard Rules, particularly Zero Liabilityaccess 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 Debit 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 Debit 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. In the event that Mastercard Zero Liability does not applyVisa debit card purchases), 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 Debit 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 Debit Card card, and we can prove that we could have stopped someone from using your Debit Card card without your permission if you had promptly notified told us, you could lose as much as $500.00500. Also, if your statement shows transactions transfers that you did not make, including those made by card, code code, or other means, tell Tell us at onceAT ONCE. If you do not tell us within 60 sixty (60) calendar days after the statement was mailed to youyou showing the first unauthorized transfer, you may not get back any money you lost after the 60 sixty (60) calendar days if we can prove that we could have stopped someone from taking making the money transfers if you had told us in time. If a good reason (such as a long trip extended travel or a hospital stayhospitalization) kept you from telling us, we will may extend the these time periods. AlsoIf 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. 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 greater than the above zero ($0) liability limit, to the extent allowed under applicable law, if: (1) we determine the unauthorized transaction was a result of gross negligence or fraud on your part; (2) you 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, or unauthorized use of your debit card of card number within a reasonable period of time. A reasonable period of time will be determined by the Credit Union in its sole discretion, but in no event will it be shorter than the time periods stated in the Error Resolution Section below. A transaction is considered “unauthorized” if it is initiated by someone other than you become aware (the cardholder) without your actual or apparent authority, and you receive no benefit from the transaction. A transaction 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 other reason the Credit Union concludes the facts and circumstances do not reasonably support a claim of and/or unauthorized use. In any case, to minimize your statement shows transactions potential liability you did not make, should notify us at once following the procedures stated in Section XVIII (Your Right to Dispute Errors). If you do not notify us within of any unauthorized use no later than sixty (60) days after you become aware of the transaction and/or after the your statement was made available mailed 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 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) to prevent future losses. If you share your Debit Card(s) or Access Code(s) with another person, use of your 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 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 Debit Card (each, an “Access Code"). If Tell us AT ONCE if you believe the Debit your Card or Access Code Information has been lost, compromised lost or stolen, immediately contact stolen or if you believe that a transaction has been made without your permission. Your Card can be marked lost or stolen by telephoning us at 0001-000800- 400-0000 6609. Reporting your card lost or email us at xxxxxxxxxxx@xxxxx.xxx. Telephoning stolen as soon as you are aware it’s missing is the best way to minimize your possible losses. If you believe You could lose all the Debit Card has been lost or stolen call 000-000-0000 or email at xxxxxxxxxxx@xxxxx.xxx. We may suspend or cancel money in your Debit Card in the event of excessive reports of Debit Card loss or theft. Under 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. 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 permissionAccount. If you do not notify tell us within two (2) business days after you learn of the loss or theft of your Debit 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 Debit 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 your statement online or paper transaction history shows transactions that transfers you did not make, including those made by cardCard, code or other means, tell us at once. If you do not tell us within 60 days after from the statement was mailed to youearlier of: (i) the date you electronically access your Card Account, if the unauthorized transfer could be viewed in your electronic history; or (ii) the date we sent the FIRST written history on which the unauthorized transfer appeared, you may not get back any money you lost after the 60 sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. AlsoNOTE: MasterCard Zero Liability covers U.S.-issued cards only; and does not apply to ATM transactions, if you become aware PIN transactions not processed by MasterCard, or certain commercial card transactions. Individual provisional credit amounts are provided on a provisional basis and may be withheld, delayed, limited, or rescinded by the Servicer based on factors such as gross negligence or fraud, delay in reporting unauthorized use, investigation and verification of and/or claim and account standing and history. You must notify the Servicer immediately of any unauthorized use. The transaction(s) at issue must be posted to your statement shows transactions you did not make, notify us at once following the procedures stated in Section XVIII (Your Right to Dispute Errors)account before provisional credit may be 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 do not notify us within sixty (60) days after you become aware of the transaction 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 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 as 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) to prevent future losses. If you share your Debit Card(s) or Access Code(s) with another person, use of your 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 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(a) and any other access code related to your Debit Card (each, an “Access Code")Generally. If Tell us at once if you believe the Debit your BusyKid Spend Card or Access Code has been lost, compromised stolen or stolen, immediately contact us at 000-000-0000 or email us at xxxxxxxxxxx@xxxxx.xxxused without your authorization. You could lose all the money in your account(s). Telephoning us as soon as you learn of a lost / stolen card or an unauthorized transaction is the best way to minimize of keeping your possible losseslosses down. If you believe the Debit Card has been lost or stolen call 000-000-0000 or email at xxxxxxxxxxx@xxxxx.xxx. We may suspend or cancel your Debit Card in the event of excessive reports of Debit Card loss or theft. Under 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. 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 Debit 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 Debit Card BusyKid Spend Card, and we can prove that we could have stopped someone from using your Debit BusyKid Spend Card without your permission if you had promptly notified told us, you could lose as much as $500.00500. Also, if your statement card activity shows transactions transfers that you did not make, including those made by card, code or other meansauthorize, tell us Xxxx at once. If you do not tell us within 60 days after the statement was mailed to youdate you electronically access your Card Account, if the error could be viewed in your electronic history, you may not get back any money you lost after the 60 days if we Xxxx can prove that we they could have stopped someone from taking the money if you had told us notified them in time. If a good reason (such as a long trip serious illness or a hospital stay) kept you from telling usthem, we will may agree to extend the time periods. Also, if you become aware (b) Contact us immediately in event of and/or your statement shows transactions you did not make, notify us at once following the procedures stated in Section XVIII (Your Right to Dispute Errors)unauthorized transfer. If you do not notify believe your card and/or code has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call us within sixty (60) days after you become aware of the transaction 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 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) to prevent future losses. If you share your Debit Card(s) or Access Code(s) with another person, use of your 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 or you do not benefit from the transaction in any wayright 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 Debit Card (each, an “Access Code"). If Tell us AT ONCE if you believe the Debit your Card or Access Code Information has been lost, compromised lost or stolen, immediately contact stolen or if you believe that a transaction has been made without your permission. Your Card can be marked lost or stolen by telephoning us at 0001-000800- 384-0000 2054. Reporting your card lost or email us at xxxxxxxxxxx@xxxxx.xxx. Telephoning stolen as soon as you are aware it’s missing is the best way to minimize your possible losses. If you believe You could lose all the Debit Card has been lost or stolen call 000-000-0000 or email at xxxxxxxxxxx@xxxxx.xxx. We may suspend or cancel money in your Debit Card in the event of excessive reports of Debit Card loss or theft. Under 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. 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 permissionAccount. If you do not notify tell us within two (2) business days after you learn of the loss or theft of your Debit 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 Debit 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 your statement online or paper transaction history shows transactions that transfers you did not make, including those made by cardCard, code or other means, tell us at once. If you do not tell us within 60 days after from the statement was mailed to youearlier of: (i) the date you electronically access your Card Account, if the unauthorized transfer could be viewed in your electronic history; or (ii) the date we sent the FIRST written history on which the unauthorized transfer appeared, you may not get back any money you lost after the 60 sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. AlsoNOTE: MasterCard Zero Liability covers U.S.-issued cards only; and does not apply to ATM transactions, if you become aware PIN transactions not processed by MasterCard, or certain commercial card transactions. Individual provisional credit amounts are provided on a provisional basis and may be withheld, delayed, limited, or rescinded by the Servicer based on factors such as gross negligence or fraud, delay in reporting unauthorized use, investigation and verification of and/or claim and account standing and history. You must notify the Servicer immediately of any unauthorized use. The transaction(s) at issue must be posted to your statement shows transactions you did not make, notify us at once following the procedures stated in Section XVIII (Your Right to Dispute Errors)account before provisional credit may be 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 do not notify us within sixty (60) days after you become aware of the transaction 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 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 as 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) to prevent future losses. If you share your Debit Card(s) or Access Code(s) with another person, use of your 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 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 Debit Card (each, an “Access Code"). If Tell us AT ONCE if you believe the Debit your Card or Access Code PIN has been lost, compromised lost or stolen, immediately contact us at 000-000-0000 or email us at xxxxxxxxxxx@xxxxx.xxxif you believe that an electronic fund transfer has been made without your permission using information from your Card. Telephoning is the best way to minimize of keeping your possible losseslosses down. You could lose all the money in your account. If you believe the Debit Card has been lost or stolen call 000-000-0000 or email at xxxxxxxxxxx@xxxxx.xxx. We may suspend or cancel your Debit Card in the event of excessive reports of Debit Card loss or theft. Under 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. 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 Debit 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 Debit 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 Debit Card or PIN without your permission if you had promptly notified told us, you could lose as much as $500.00500. Also, if your statement shows transactions transfers that you did not make, including those made by cardCard, code or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed to youearlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history on which the error appeared, 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. AlsoIf you believe your Card or PIN has been lost or stolen, call: 000-000-0000 or write to us at PO Box 1484, Easton, PA 18044. You should also call the number or write to the address listed above if you become aware of and/or your statement shows transactions you did not make, notify us at once following the procedures stated in Section XVIII (Your Right to Dispute Errors). If you do not notify us within sixty (60) days after you become aware of the transaction 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 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) to prevent future losses. If you share your Debit Card(s) or Access Code(s) with another person, use of your 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 believe an unauthorized transaction is limited to reimbursing you for transfer has been made using 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 information from the transaction in any wayyour Card without your permission.

Your Liability for Unauthorized Transactions. You agree to exercise reasonable control over are responsible for all transactions initiated through use of the Card, including those initiated by presenting the number only, such as for internet or mail order transactions, and for any transactions initiated by someone else using the Card or PIN with your PIN(s); user ID(s); and password(s) and any other access code related to your Debit Card (each, an “Access Code")permission. If Tell us at once if you believe the Debit your Card or Access Code has been lostlost or stolen or that an unauthorized person has learned your PIN, compromised or stolen, immediately contact by telephoning us at 000-000-0000 the number or email writing us at xxxxxxxxxxx@xxxxx.xxxthe address listed at the bottom of this page. Telephoning is the best way to minimize of keeping your possible losseslosses down. You could lose all the money in your Card Account. If you believe the Debit Card has been lost or stolen call 000-000-0000 or email at xxxxxxxxxxx@xxxxx.xxx. We may suspend or cancel your Debit Card in the event of excessive reports of Debit Card loss or theft. Under 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. In the event that Mastercard Zero Liability does not apply, if you notify us within two (2) business days Business Days after you learn of any unauthorized transactionsthe loss or theft, you can lose no more than $50.00 50 if someone used your Debit Card without your permission. If you do not notify NOT tell us within two (2) business days Business Days after you learn of the loss or theft of your Debit Card Card, and we can prove that we could have stopped someone from using your Debit Card without your permission if you had promptly notified told us, you could lose as much as $500.00500. 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 sixty (60) days after the statement was mailed made available to you, you may not get back any money you lost after the 60 sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (reason, such as a long trip or a hospital stay) , kept you from telling us, we will may extend the time periods. Also, if you become aware of and/or your statement shows transactions you did not make, notify us at once following the procedures stated in Section XVIII (Your Right to Dispute Errors). If you do not notify tell us within sixty (60) days after you become aware of the transaction and/or after the statement was made available that your Card has been lost or stolen, we will close down your account and reissue your Card 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 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) to prevent future losses. If you share your Debit Card(s) or Access Code(s) with another person, use of your 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 or you do not benefit from the transaction in any waykeep losses down.

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 Debit Card (each, an “Access Code"). If Tell us AT ONCE if you believe the Debit your Card or Access Code Information has been lost, compromised lost or stolen, immediately contact stolen or if you believe that a transaction has been made without your permission. Your Card can be marked lost or stolen by telephoning us at 0001-000800-0000 961- 5135. Reporting your card lost or email us at xxxxxxxxxxx@xxxxx.xxx. Telephoning stolen as soon as you are aware it’s missing is the best way to minimize your possible losses. If you believe You could lose all the Debit Card has been lost or stolen call 000-000-0000 or email at xxxxxxxxxxx@xxxxx.xxx. We may suspend or cancel money in your Debit Card in the event of excessive reports of Debit Card loss or theft. Under 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. 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 permissionAccount. If you do not notify tell us within two (2) business days after you learn of the loss or theft of your Debit 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 Debit 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 your statement online or paper transaction history shows transactions that transfers you did not make, including those made by cardCard, code or other means, tell us at once. If you do not tell us within 60 days after from the statement was mailed to youearlier of: (i) the date you electronically access your Card Account, if the unauthorized transfer could be viewed in your electronic history; or (ii) the date we sent the FIRST written history on which the unauthorized transfer appeared, you may not get back any money you lost after the 60 sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. AlsoNOTE: MasterCard Zero Liability covers U.S.-issued cards only; and does not apply to ATM transactions, if you become aware PIN transactions not processed by MasterCard, or certain commercial card transactions. Individual provisional credit amounts are provided on a provisional basis and may be withheld, delayed, limited, or rescinded by the Servicer based on factors such as gross negligence or fraud, delay in reporting unauthorized use, investigation and verification of and/or claim and account standing and history. You must notify the Servicer immediately of any unauthorized use. The transaction(s) at issue must be posted to your statement shows transactions you did not make, notify us at once following the procedures stated in Section XVIII (Your Right to Dispute Errors)account before provisional credit may be 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 do not notify us within sixty (60) days after you become aware of the transaction 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 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 as 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) to prevent future losses. If you share your Debit Card(s) or Access Code(s) with another person, use of your 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 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 Debit Card (each, an “Access Code"). If you believe the Debit Card or Access Code ”) has been lost, compromised or stolen, immediately contact us at 000-000-0000 or email us at xxxxxxxxxxx@xxxxx.xxxxxx@xxxxx.xxx. Telephoning is the best 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 call 000-000-0000 or for email at xxxxxxxxxxx@xxxxx.xxx. We may suspend or cancel your Debit Card in the event of excessive reports of Debit Card loss or theftxxx@xxxxx.xxx. Under 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. 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 or Access Code, you can lose no more than $50.00 50 if someone used your Debit Card or Access Code without your permission. If you do not NOT notify us within two (2) 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 your statement shows transactions that you did not make, including those made by cardDebit Card, code Access Code or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed sent 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 and/or your statement shows transactions you did not make, notify us at once following the procedures stated in Section XVIII (Your Right Subject to Dispute Errors). If you do not notify us within sixty (60) days after you become aware of the transaction and/or after the statement was made available to youapplicable law, 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 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) to prevent future losses. If you share your Debit Card(s) or Access Code(s) with another person, use of your 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 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 authorized transactions initiated by someone else. Notify us AT ONCE if you believe your Debit Personalized Card, Registered Temporary Card (each, an “Access Code")or Card Account login information has been lost or stolen or if you believe that a transaction has been made without your permission. If you believe the Debit Your Card or Access Code has been lost, compromised is lost or stolen, immediately contact you can block it online at xxx.XxxxxxxxxXxxxxx.xxx, or by calling us at 000-000-0000 or email us at xxxxxxxxxxx@xxxxx.xxx. Telephoning is the best way to minimize your possible losses0000. If you believe the Debit your Card has been lost or stolen call 000-000-0000 or email at xxxxxxxxxxx@xxxxx.xxx. We may suspend or cancel your Debit Card in the event of excessive reports of Debit Card loss or theft. Under 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 is registered 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. 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 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 Debit Card without your permission if been prevented had you had promptly timely notified us, you could lose as much as $500.00. Also, if your statement shows transactions that transfers you did not make, including those made by cardwith a Registered Temporary Card, Personalized Card, code or other means, tell notify us at once. If you do not tell notify us within 60 days after from the statement was mailed to youearlier of the date you electronically access your Card Account, if the unauthorized transfer could be viewed in your electronic history, or the date we sent the FIRST written history on which the unauthorized transfer appeared, 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 timetimely notified 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. Also, if you become aware of and/or your statement shows transactions you did not make, notify us at once following the procedures stated in Section XVIII (Your Right to Dispute Errors)our sole discretion or as required by law or rule. If you do not notify us within sixty (60) days after you become aware of 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 transaction and/or after fee, see 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 timeFee 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 Debit Card or Access Code(s). You also agree to cooperate completely with us and 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) to prevent future lossesCard. If you share have not successfully registered your Debit Card(s) or Access Code(s) with another person, use of your 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 are liable for all 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 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); user ID(s); and password(s) and any other access code related to your Debit Card (each, an “Access Code"). If Tell us AT ONCE if you believe the Debit your Card or Access Code Information has been lost, compromised lost or stolen, immediately contact stolen or if you believe that a transaction has been made without your permission. Your Card can be marked lost or stolen by telephoning us at 0001-000800- 824-0000 9713. Reporting your card lost or email us at xxxxxxxxxxx@xxxxx.xxx. Telephoning stolen as soon as you are aware it’s missing is the best way to minimize your possible losses. If you believe You could lose all the Debit Card has been lost or stolen call 000-000-0000 or email at xxxxxxxxxxx@xxxxx.xxx. We may suspend or cancel money in your Debit Card in the event of excessive reports of Debit Card loss or theft. Under 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. 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 permissionAccount. If you do not notify tell us within two (2) business days after you learn of the loss or theft of your Debit 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 Debit 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 your statement online or paper transaction history shows transactions that transfers you did not make, including those made by cardCard, code or other means, tell us at once. If you do not tell us within 60 days after from the statement was mailed to youearlier of: (i) the date you electronically access your Card Account, if the unauthorized transfer could be viewed in your electronic history; or (ii) the date we sent the FIRST written history on which the unauthorized transfer appeared, you may not get back any money you lost after the 60 sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. AlsoNOTE: MasterCard Zero Liability covers U.S.-issued cards only; and does not apply to ATM transactions, if you become aware PIN transactions not processed by MasterCard, or certain commercial card transactions. Individual provisional credit amounts are provided on a provisional basis and may be withheld, delayed, limited, or rescinded by the Servicer based on factors such as gross negligence or fraud, delay in reporting unauthorized use, investigation and verification of and/or claim and account standing and history. You must notify the Servicer immediately of any unauthorized use. The transaction(s) at issue must be posted to your statement shows transactions you did not make, notify us at once following the procedures stated in Section XVIII (Your Right to Dispute Errors)account before provisional credit may be 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 do not notify us within sixty (60) days after you become aware of the transaction 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 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 as 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) to prevent future losses. If you share your Debit Card(s) or Access Code(s) with another person, use of your 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 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 Debit Card (each, an “Access Code"). If Tell us AT ONCE if you believe the Debit Card or Access Code has been lost, compromised or stolen, immediately contact us at 000-000-0000 or email us at xxxxxxxxxxx@xxxxx.xxx. Telephoning is the best way to minimize your possible losses. If you believe the Debit Card has been lost or stolen call 000-000-0000 stolen, or email at xxxxxxxxxxx@xxxxx.xxx. We may suspend or cancel your Debit Card in the event of excessive reports of Debit Card loss or theft. Under 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 believe 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. 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 an electronic fund transfer has been made without your permission. Calling Customer Service is the best way of keeping your possible losses down. You could lose all the money in your account. If you do not notify tell us within two (2) 2 business days after you learn of the loss or theft of your Debit Card, you can lose no more than $50 if someone used your Card without your permission. If you do NOT tell us within 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 Debit Card without your permission if you had promptly notified told us, you could lose as much as $500.00500. Also, if your statement electronic history shows transactions transfers that you did not make, including those made by card, code your Card or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed to youearlier of the date you electronically accessed your account (if the unauthorized transfer could be viewed in your electronic history), or the date we sent the FIRST written history on which the unauthorized transfer appeared, 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. AlsoUnder Mastercard’s Zero Liability Policy, your liability for unauthorized transactions on your Mastercard-branded Card is $0.00 if you become aware of and/or your statement shows transactions you did not make, notify us at once following the procedures stated in Section XVIII (Your Right to Dispute Errors). If you do not notify us within sixty (60) days after you become promptly upon becoming aware of the transaction and/or after the statement was made available to youloss or theft, and you may not get back any value you lost after the sixty (60) days if we can prove that we could have stopped someone exercised reasonable care in safeguarding your Card 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 theft, or unauthorized use of use. This policy limiting your Debit Card liability does not apply to debit transactions not processed by Mastercard, certain commercial transactions, or Access Code(s). You also agree to cooperate completely with us and 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) to prevent future losses. If you share your Debit Card(s) or Access Code(s) with another person, use of your 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 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 Debit Card (each, an “Access Code"). If Tell us AT ONCE if you believe the Debit your Card or Access Code Information has been lost, compromised lost or stolen, immediately contact stolen or if you believe that a transaction has been made without your permission. Your Card can be marked lost or stolen by telephoning us at 0001-000800- 384-0000 2038. Reporting your card lost or email us at xxxxxxxxxxx@xxxxx.xxx. Telephoning stolen as soon as you are aware it’s missing is the best way to minimize your possible losses. If you believe You could lose all the Debit Card has been lost or stolen call 000-000-0000 or email at xxxxxxxxxxx@xxxxx.xxx. We may suspend or cancel money in your Debit Card in the event of excessive reports of Debit Card loss or theft. Under 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. 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 permissionAccount. If you do not notify tell us within two (2) business days after you learn of the loss or theft of your Debit 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 Debit 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 your statement online or paper transaction history shows transactions that transfers you did not make, including those made by cardCard, code or other means, tell us at once. If you do not tell us within 60 days after from the statement was mailed to youearlier of: (i) the date you electronically access your Card Account, if the unauthorized transfer could be viewed in your electronic history; or (ii) the date we sent the FIRST written history on which the unauthorized transfer appeared, you may not get back any money you lost after the 60 sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. AlsoNOTE: MasterCard Zero Liability covers U.S.-issued cards only; and does not apply to ATM transactions, if you become aware PIN transactions not processed by MasterCard, or certain commercial card transactions. Individual provisional credit amounts are provided on a provisional basis and may be withheld, delayed, limited, or rescinded by the Servicer based on factors such as gross negligence or fraud, delay in reporting unauthorized use, investigation and verification of and/or claim and account standing and history. You must notify the Servicer immediately of any unauthorized use. The transaction(s) at issue must be posted to your statement shows transactions you did not make, notify us at once following the procedures stated in Section XVIII (Your Right to Dispute Errors)account before provisional credit may be 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 do not notify us within sixty (60) days after you become aware of the transaction 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 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 as 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) to prevent future losses. If you share your Debit Card(s) or Access Code(s) with another person, use of your 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 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 Debit Card (each, an “Access Code"). If Tell us AT ONCE if you believe the Debit Card or Access that your Security Code has been lost, compromised lost or stolen, immediately contact us at 000-000-0000 or email us at xxxxxxxxxxx@xxxxx.xxxif you believe that someone has used it or may use it to access your accounts and transfer money without your permission, or if you believe than an electric fund transfer has been made without your permission using information from your check. Telephoning us is the best way to minimize of keeping your possible losseslosses down. You could lose all the money in your account plus any available credit on your line(s) of credit. If you believe the Debit Card has been lost or stolen call 000-000-0000 or email at xxxxxxxxxxx@xxxxx.xxx. We may suspend or cancel your Debit Card in the event of excessive reports of Debit Card loss or theft. Under 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. 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 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 Debit 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 Debit Card Security Code, and we can prove that we could have stopped someone from using your Debit Card Security Code without your permission if had you had promptly notified told us, you could lose as much as $500.00500. Also, if your statement shows transactions transfers that you did not make, including those made by card, code or other means, tell us at onceAT ONCE. If you do not tell us within 60 sixty (60) days after the statement was mailed or made available to you, you may not get back any money you lost after the 60 sixty (60) days if we can prove that we could have stopped prevented someone from taking the money if had you had told us in time. If a good valid reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periodsperiod. AlsoIf you believe your Security Code has been lost or stolen, 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 these disclosures, our business days are Monday to Friday. Holidays are not included. In Case Of Errors Or Questions About Your Electronic Funds Transfers: Contact us at 000.000.0000, fax us at 808.871-5421, or write us at Valley Isle CFCU, 000 Xxxxxxx Xx., Xxxxxxx, XX 00000, as soon as you can, if you become aware of and/or think your statement shows transactions or receipt is wrong or if you did not make, notify us at once following the procedures stated in Section XVIII (Your Right to Dispute Errors)need more information about a transaction listed on a statement or receipt. If We must hear from you do not notify us within no later than sixty (60) days after you become aware of we sent the transaction and/or after FIRST statement on which the statement was made available to you, you may not get back any value you lost after the sixty problem or error appeared 1.) Tell us your name and account number (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(sany). You also agree to cooperate completely with us and 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) to prevent future losses. If you share your Debit Card(s) or Access Code(s) with another person, use of your 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 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 Debit Card (each, an “Access Code"). If you believe the Debit Card or Access Code has been lost, compromised or stolen, immediately contact us at 000-000-0000 [Insert phone number] or email us at xxxxxxxxxxx@xxxxx.xxx[Insert Email Address]. Telephoning is the best way to minimize your possible losses. If you believe the Debit Card has been lost or stolen call 000-000-0000 [ ] or email at xxxxxxxxxxx@xxxxx.xxx[ ]. We may suspend or cancel your Debit Card in the event of excessive reports of Debit Card loss or theft. Under 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 cardscards (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 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 and/or your statement shows transactions you did not make, notify us at once following the procedures stated in Section XVIII (Your Right to Dispute Errors). If you do not notify us within sixty (60) days after you become aware of the transaction 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 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) to prevent future losses. If you share your Debit Card(s) or Access Code(s) with another person, use of your 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 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 Debit Card Account (each, an “Access Code")) and your Card. If you believe the Debit Card or Access Code has been lost, compromised or stolen, immediately contact us at 000-000-0000 [Insert phone number] or email us at xxxxxxxxxxx@xxxxx.xxx[Insert Email Address]. Telephoning is the best way to minimize your possible losses. If you believe the Debit Card has been lost or stolen call 000-000-0000 stolen, or that someone has transferred money or may transfer money from your Card Account without your permission, email at xxxxxxxxxxx@xxxxx.xxx. xxxxxxx@xxx.xx We may suspend or cancel your Debit Card and/or corresponding Card Account in the event of excessive reports of Debit Card loss or theft. Under Mastercard Visa 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 Visa payment cards that are used for commercial purposes or anonymous prepaid cardscards (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 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 and/or your statement shows transactions you did not make, notify us at once following the procedures stated in Section XVIII (Your Right to Dispute Errors). If you do not notify us within sixty (60) days after you become aware of the transaction 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 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) and/or Card Account to prevent future losses. If you share your Debit Card(s) or Access Code(s) with another person, use of your Debit Card Account 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 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 Debit Card (each, an “Access Code"). If shall tell us IMMEDIATELY if you believe the Debit Card or Access Code your password has been lost, compromised lost or stolen, stolen and immediately contact us at 000-000-0000 or email us at xxxxxxxxxxx@xxxxx.xxxchange your password from within the Online Branch section. Telephoning Calling is the best way to minimize notify us immediately. You could lose all the money in your possible lossesaccount (plus your maximum overdraft protection). If you believe the Debit Card has been lost or stolen call 000-000-0000 or email at xxxxxxxxxxx@xxxxx.xxx. We may suspend or cancel your Debit Card in the event of excessive reports of Debit Card loss or theft. Under 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. 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 transactions7 days, you can lose no more than $50.00 50 if someone used your Debit Card password 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 transfers that you did not make, including those made by card, code or other means, you shall tell us at once. If you do not tell us within 60 sixty (60) days after the statement was mailed to you, you may not get back any money you lost after the 60 sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend have authorized someone else to use the time periods. Also, if you become aware of and/or your statement shows transactions you did not make, notify us at once following the procedures stated in Section XVIII (Your Right to Dispute Errors). If you do not notify us within sixty (60) days after you become aware of the transaction and/or after the statement was made available to youPIN, you may not get back are responsible for all transactions that person(s) initiates at any value time, even if the amount or transactions exceed what 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 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) to prevent future losses. If you share your Debit Card(s) or Access Code(s) with another person, use of your Debit Card by that person may be considered as authorized. If you authorize another person to use believe your Debit 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. 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 ten (10) business days. If you contact us via mail, please 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 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 safeguard your PIN(s); user ID(s); Card and password(s) and any other access code related to your Debit Card (each, an “Access Code")treat it like cash. If Contact us at once if you believe the Debit your Card or Access Code has been lost, compromised lost or stolen, . Calling us immediately contact us at 000-000-0000 or email us at xxxxxxxxxxx@xxxxx.xxx. Telephoning is the best way to minimize your possible losses. If your Card is lost or stolen, 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 Debit your Card has been lost or stolen stolen, or someone has transferred or may transfer money from your Card without your permission, call us at (000) 000-000-0000 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 promptly and you are not grossly negligent or email at xxxxxxxxxxx@xxxxx.xxx. We may suspend or cancel your Debit Card fraudulent in the event handling of excessive reports of Debit Card loss or theftyour Card. Under 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. 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 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 be responsible for 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 transaction history (such as a long trip or a hospital staysee section 9) kept you from telling us, we will extend the time periods. Also, if you become aware of and/or your statement shows transactions you did not make, notify us at once following the procedures stated in Section XVIII (Your Right to Dispute Errors)once. If you do not notify us within sixty (60) days after you become aware of the transaction and/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 your Debit Card or Access Code(s)as unauthorized. You also agree acknowledge purchases made with your Card are similar to cooperate completely those made with us and the Bank in attempts to recover funds from unauthorized users and to assist in their prosecutioncash. The Bank may issue replacement Debit Card(s) You cannot “stop payment” or Access Code(s), but only after lodge a “billing dispute” on such transactions. Any problems or 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 Debit Card(s) to prevent future losses. If you share your Debit Card(s) or Access Code(s) regarding a purchase should be addressed directly with another person, use of your 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 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 Debit Card (each, an “Access Code"). If you believe the Debit Card or Access Code has been lost, compromised or stolen, immediately contact us at 000-000-0000 or email us at xxxxxxxxxxx@xxxxx.xxx. Telephoning is the best way to minimize your possible losses. If you believe the Debit Card has been lost or stolen call 000-000-0000 or email at xxxxxxxxxxx@xxxxx.xxx. We may suspend or cancel your Debit Card in the event of excessive reports of Debit Card loss or theft. Under 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 cardscards (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 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 and/or your statement shows transactions you did not make, notify us at once following the procedures stated in Section XVIII (Your Right to Dispute Errors). If you do not notify us within sixty (60) days after you become aware of the transaction 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 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) to prevent future losses. If you share your Debit Card(s) or Access Code(s) with another person, use of your 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 or you do not benefit from the transaction in any way.

Your Liability for Unauthorized Transactions. Tell us AT ONCE if you believe your Card, PIN or Online Banking Access ID and Passcode (hereinafter referred to as ‘Access Device’) has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning us is the best way of keeping your possible losses down. You agree to exercise reasonable control over could lose all the money in your PIN(s); user ID(s); and password(s) and account (plus any other access code related to your Debit Card (each, an “Access Code"amount accessible through Check Support Service). If you believe the Debit Card or Access Code has been lost, compromised or stolen, immediately contact us at 000-000-0000 or email us at xxxxxxxxxxx@xxxxx.xxx. Telephoning is the best way to minimize your possible losses. If you believe the Debit Card has been lost or stolen call 000-000-0000 or email at xxxxxxxxxxx@xxxxx.xxx. We may suspend or cancel your Debit Card in the event of excessive reports of Debit Card loss or theft. Under 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. In the event that Mastercard Zero Liability does not apply, 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 Debit 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 Visa® Debit Card 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 your statement shows transactions transfers 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 sixty (60) days after the statement was mailed to you, you may not get back any money you lost after the 60 sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will may extend the time periods. Also, if you become aware of and/or your statement shows transactions you did not make, notify us at once following the procedures stated in Section XVIII (Your Right to Dispute Errors). If you do not notify us within sixty (60) days after you become aware of the transaction 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 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) to prevent future losses. If you share your Debit Card(s) or Access Code(s) with another person, use of your 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 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 Debit Card (each, an “Access Code")Account. If Tell us AT ONCE if you believe the Debit your Card or Access Code PIN has been lost, compromised lost or stolen, immediately contact us at 000-000-0000 or email us at xxxxxxxxxxx@xxxxx.xxxif you believe that an electronic fund transfer has been made without your permis- sion using information from your Card. Telephoning is the best way to minimize of keeping your possible losseslosses down. You could lose all the money in your account. If you believe the Debit Card has been lost or stolen call 000-000-0000 or email at xxxxxxxxxxx@xxxxx.xxx. We may suspend or cancel your Debit Card in the event of excessive reports of Debit Card loss or theft. Under 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. 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 Debit 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 Debit 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 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 and/or your statement shows transactions you did not make, notify us at once following the procedures stated in Section XVIII (Your Right to Dispute Errors). If you do not notify us within sixty (60) days after you become aware of the transaction 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 timepermission. 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 the Bank in attempts to recover funds from unauthorized users and to assist in their prosecution. The Bank We may issue replacement Debit 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 Debit Card(s) and/or Card Account to prevent future losses. If you share your Debit Card(s) or Access Code(s) (PIN(s)) with another person, use of your Debit Card Account by that person may be considered as authorized. If you authorize another person to use your Debit Card or Access Code(s) (PIN(s)), you agree that you will be liable for all transactions arising from use of the Debit 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 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 Debit Card (each, an “Access Code")Transaction Account and your Card. If you believe the Debit Card or Access Code has been lost, compromised or stolen, immediately notify us verbally or via email by using the cardholder support contact us at 000-000-0000 or email us at xxxxxxxxxxx@xxxxx.xxx. Telephoning is the best way to minimize your possible lossesinformation. If you believe the Debit Card has been lost or stolen call 000-000-0000 stolen, or that someone has transferred money or may transfer money from your Transaction Account without your permission, notify us verbally or via email at xxxxxxxxxxx@xxxxx.xxxby using the cardholder support contact information. 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 cardscards (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 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 and/or of, or your Transaction Account statement shows transactions you did not make, notify us at once following the procedures stated in Section XVIII 16 (Your Right to Dispute Errors). If you do not notify us within sixty (60) days after you become aware of the transaction and/or 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)Card. You also agree to cooperate completely with us and the Bank 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)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 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 Debit Card Transaction Account 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 Debit Card (each, an “Access Code"). If shall tell us IMMEDIATELY if you believe the Debit Card or Access Code your password has been lost, compromised lost or stolen, stolen and immediately contact us at 000-000-0000 or email us at xxxxxxxxxxx@xxxxx.xxxchange your password from within the Online Branch section. Telephoning Calling is the best way to minimize notify us immediately. You could lose all the money in your possible lossesaccount (plus your maximum overdraft protection). If you believe the Debit Card has been lost or stolen call 000-000-0000 or email at xxxxxxxxxxx@xxxxx.xxx. We may suspend or cancel your Debit Card in the event of excessive reports of Debit Card loss or theft. Under 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. 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 Debit Card password 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 transfers that you did not make, including those made by card, code or other means, you shall tell us at once. If you do not tell us within 60 sixty (60) days after the statement was mailed to you, you may not get back any money you lost after the 60 sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend have authorized someone else to use the time periods. Also, if you become aware of and/or your statement shows transactions you did not make, notify us at once following the procedures stated in Section XVIII (Your Right to Dispute Errors). If you do not notify us within sixty (60) days after you become aware of the transaction and/or after the statement was made available to youPIN, you may not get back are responsible for all transactions that person(s) initiates at any value time, even if the amount or transactions exceed what 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 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) to prevent future losses. If you share your Debit Card(s) or Access Code(s) with another person, use of your Debit Card by that person may be considered as authorized. If you authorize another person to use believe your Debit 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. 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 ten (10) business days. If you contact us via mail, please 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 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: