Common use of Your Liability for Unauthorized Transactions Clause in Contracts

Your Liability for Unauthorized Transactions. Tell us AT ONCE if you believe your username or password has been lost, stolen, or used without your permission, or if you believe that someone has transferred or may transfer funds in or from your account without your permission. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account plus any available credit on your overdraft line of credit. If you tell us within two business days after you learn of the loss, theft or unauthorized transfer due to someone signing in without your permission, you can lose no more than $50.00 If you do NOT tell us within two business days after you learn of the loss, theft, or unauthorized transfer, and we can prove we could have stopped someone from using your password without your permission if you had told us, you could lose as much as $500.00. If your statement shows transfers that you did not make, including those made through the service or otherwise, tell us at once. If you do not tell us within 60 days after the statement was made available to you, you may not get back any money you lost if we can prove that we could have stopped someone from taking the money if you had told us within the 60-day period. If a good reason (such as a long trip or a hospital stay) keeps you from telling us, we will extend the time periods.

Your Liability for Unauthorized Transactions. Tell us AT ONCE if you believe your username or password User Information needed to access your Account has been lost, stolen, lost or used stolen or you believe a transaction has been made without your permission, or if you believe that someone has transferred or may transfer funds in or permission using information from your account without your permissionAccount. Telephoning Contact Customer Service immediately at the number or address provided below to keep possible losses to a minimum. Contacting us by telephone at (000) 000-0000 is the best way of keeping your to minimize possible losses downlosses. You could lose all the money in your account plus any available credit on your overdraft line of creditAccount. If you tell us within two business days after you learn of the loss, theft or any unauthorized transfer due to someone signing in without your permissiontransactions, you can will lose no more than $50.00 50 if someone accessed your Account without your permission. If you do DO NOT tell us within two business days after you learn of the loss, theft, or an unauthorized transfertransaction, and we can prove we could have stopped someone from using accessing your password Account without your permission if you had told us, you could lose as much as $500.00500. If Also, if your statement Account transaction history or other information shows transfers that you did not make, including those made through the service make or otherwiseauthorize, tell us at once. If you do not tell us within 60 days after the statement was information is made available to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us within the 60-day periodin time. If a good reason (such as a long trip or trip, a hospital stay, or other extenuating circumstances) keeps kept you from telling us, we will extend the time periodstimes specified above to a reasonable period. You agree to cooperate reasonably with us in our attempts to recover funds from, and to assist in the prosecution of, any unauthorized users of your Account.

Your Liability for Unauthorized Transactions. Tell us TELL US AT ONCE if you believe think your username or password has Login Credentials have been lost, stolen, or used without your permission, authorization or otherwise compromised. Also contact us at once if someone has or you believe that someone has transferred or may will transfer funds in or money from your account without your permissionconsent. Telephoning An immediate telephone call to us is the best way of keeping your to reduce any possible losses downlosses. You could lose all the money in your account account(s) plus any available credit on your overdraft maximum line of credit, if any. If you tell us within two (2) business days after you learn of the lossloss or theft of your Login Credentials, theft or unauthorized transfer due to someone signing in without your permissionPIN and/or access device, you can lose no more than $50.00 if someone used them without your permission. If you do NOT tell contact us within two (2) business days after you learn of the loss, theft, compromise, or unauthorized transferuse of your Login Credentials, PIN and/or other access device, and we can prove that we could have stopped someone from using the unauthorized access to your password without account had we learned the information, your permission if you had told us, you loss could lose be as much as $500.00. If your statement shows transfers that you did not make, including those made through the service or otherwise, tell us at once. If you do not tell notify us within 60 sixty (60) days after the statement was mailed or otherwise made available to you, you may not get back any money you lost through transactions made after the sixty (60) days, if we can prove that we could have stopped someone from taking prevented the money loss if you had told us within the 60-day periodin time. If a good reason (reason, such as a hospital stay or long trip or a hospital stay) trip, keeps you from telling notifying us, we will may extend the time periodsperiod.

Your Liability for Unauthorized Transactions. Tell us AT ONCE if you believe your username that any username, password, or password other code or authentication feature you use for the Services has been lost, stolen, lost or stolen or used without your permission, or . You should also tell us AT ONCE if you believe that someone an electronic fund transfer has transferred or may transfer funds in or from your account been made without your permission. Telephoning is the best way of keeping minimizing your possible losses downlosses. You could lose all the money in your account plus including any available credit on your overdraft loan/line of creditcredit and overdraft protection program. If However, if you tell us within two 2 business days after you learn of the lossloss or theft of your username, theft password, or unauthorized transfer due to someone signing in without your permission, other access code or authentication feature then you can lose no more than $50.00 If you do NOT tell us within two business days after you learn of the loss50 if someone uses your username, theft, password or unauthorized transfer, and we can prove we could have stopped someone from using your password other access code or authentication without your permission if you had told us, you could lose as much as $500.00permission. If your statement shows transfers that you did not makemake whether by code, including those made through the service card or otherwiseother means, you need to tell us at onceAT ONCE. Transfers that show on your statement that you did not authorize will be treated as “errors” and are subject to the error resolution process as described herein. If you do not tell us within 60 days after from the date the statement was made available delivered to you, you may not get back any the 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 within the 60-day periodin time. If a good reason (reason, such as a hospital stay or long trip or a hospital staytrip) keeps kept you from telling us, we will may extend the time periodsperiod.

Your Liability for Unauthorized Transactions. Tell us AT ONCE if you believe your username or password has there have been lost, stolen, or used without your permission, or if you believe that someone has transferred or may transfer funds in or unauthorized transactions from your account without your permissionaccount(s). You are responsible for all transfers you authorize under this Agreement. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account plus any available credit on your overdraft line of creditto a minimum. If you tell notify us within two (2) business days after learning of the loss or theft, you cannot lose more than fifty dollars ($50), if someone accesses your account without permission. If you do not notify us within two (2) business days after you learn of the loss, theft loss or unauthorized transfer due to someone signing in without your permission, you can lose no more than $50.00 If you do NOT tell us within two business days after you learn of the loss, theft, or unauthorized transfer, and we can prove we you could have stopped someone the person from using accessing your password account without your permission if you had told notified us, you could lose as much as five hundred dollars ($500.00500). If Also, if your statement shows Online Banking transfers that you did not make, including those made through the service or otherwise, tell notify us at once. If you do not tell us within 60 days after the statement was sent to you or was made available to youyou via E-Statements, you may not get back any money you lost if we can prove that we could have stopped someone from taking be liable for the money if you had told full amount of the loss. How to notify us within in the 60-day periodevent of an Unauthorized Transaction or Lost or Stolen Password. If a good reason (such as a long trip you believe that someone has stolen or a hospital stay) keeps you used your password or has transferred money from telling usyour account without your permission, we will extend the time periods.call us at 000-000-0000 during regular business hours or write to: Milledgeville Community Credit Union, P.O. Box 70, Milledgeville, IL 61051

Your Liability for Unauthorized Transactions. Tell us AT ONCE if you believe your username or initial password has been lost, lost or stolen, or used without your permissionid, or if you believe that security answer(s) and/or password have been compromised, and as a result, someone has transferred or may transfer funds in or money from your account Account without your permission. Telephoning is the best way of keeping to keep your possible losses down. Call us at 000.000.0000 or 000.000.0000. You may also write to us at: Rayne State Bank, P.O. Box 129, Rayne, LA 70578-0129. You could lose all the money in your account Account (plus any available credit on your overdraft maximum line of credit). If you consumers tell us within two (2) business days after you learn of discovering the loss, theft theft, or unauthorized transfer due to someone signing in without your permissionuse, you can lose no more than $50.00 if someone used your id, security answers and/or password without your permission. If you consumers do NOT tell us within two (2) business days after you learn learning of the lossloss or theft of your id, theft, or unauthorized transfersecurity answers and/or password, and we can prove that we could have stopped someone from using your id, security answers and/or password without your permission if you had told us, you could lose as much as $500.00. If Also, if your statement shows transfers that you did not make, including those made through the service or otherwiseany unauthorized transfer, tell us at once. If you consumers do not tell us within 60 sixty (60) days after the statement was made available 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 within the 60-day periodin time. If a good reason (such as a long trip or a hospital stay) keeps kept you from telling us, we will may extend the time periods. Waiver: Regulation E does not apply to Health Savings Accounts or Business Accounts.

Your Liability for Unauthorized Transactions. Tell us AT ONCE immediately if you believe an unauthorized person has obtained access to your username PIN/Password or password has been lost, stolen, or used without your permission, or if you believe that someone has transferred or may transfer funds in or from money out of your account accounts without your permission. Call us immediately at 000-000-0000 during business hours. You can also write to us at: Telephoning is the best way of keeping your possible to keep losses down. You If you don’t notify us within the time limits in this paragraph, you could lose all the money in your accounts plus money in any account plus any available credit on your overdraft or line of creditcredit you have designated for overdraft protection. If you tell us of the loss, theft or other potential unauthorized use of your Password within two business days after you learn of it, your liability is no more than $50.00 should someone access your account without your permission. If you do not tell us within two business days after you learn of the loss, theft or other potential unauthorized transfer due to someone signing in without use of your permission, you can lose no more than $50.00 If you do NOT tell us within two business days after you learn of the loss, theft, or unauthorized transferpassword, and we can prove we could have stopped someone from using your password without your permission it if you had told usus in time, you could lose as much as $500.00500. If your monthly statement shows transfers that you did not makeauthorize, including those made through the service or otherwise, tell us notify at once. If you do not tell us within 60 days after the first statement was made available to youon which the unauthorized use appeared, you may not get back any money you be reimbursed for funds lost if provided we can prove that we could have stopped someone from taking the money if you had told us within the 60-day periodin time. If a good reason (such as a long trip or a hospital stay) keeps kept you from telling us, we will may in our sole discretion extend the time periodsperiod.