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 Card (each, an “Access Code"). If you believe the 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 Card has been lost or stolen call 000-000-0000 or email at xxxxxxxxxxx@xxxxx.xxx. We may suspend or cancel your Card in the event of excessive reports of Card loss or theft. Under Mastercard Rules, you will not be held responsible for unauthorized transactions if you have used reasonable care in protecting your Card from loss or theft and you have promptly reported to us when you knew that your Card was lost or stolen. Zero Liability does not apply to Mastercard payment cards that are used for commercial purposes or anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us). In the event that Mastercard Zero Liability does not apply, if you notify us within two (2) business days after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used your Card without your permission. If you do not notify us within two (2) business days after you learn of the loss or theft of your Card and we can prove that we could have stopped someone from using your Card without your permission if you had promptly notified us, you could lose as much as $500.00. Also, if you become aware of 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 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 Card(s) or Access Code(s), but only after you have provided such proof and security or indemnification as the Bank may require. In addition, you acknowledge that the Bank may have to deactivate your Card(s) to prevent future losses. If you share your Card(s) or Access Code(s) with another person, use of your Card by that person may be considered as authorized. If you authorize another person to use your Card or Access Code(s), you agree that you will be liable for all transactions arising from use of the Card or Access Code(s) by such person except as otherwise set forth in this Agreement. In all cases, our liability for an unauthorized transaction is limited to reimbursing you for the face amount of the unauthorized transaction and any corresponding fees, except as otherwise required by applicable law. A transaction is unauthorized if it is not initiated by you, you did not give permission to make the transaction 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 Card (each, an “Access Code"). If you believe the your Card or Access Code Information has been lost, compromised lost or stolen, immediately contact us at call 0-000-000-0000 or email write to us at xxxxxxxxxxx@xxxxx.xxx Telephoning is Card Services, Xxx Xxxxxxxx Xxx, Suite 175, Cincinnati, OH 45246. You should also call the best way number or write to minimize your possible losses. If the address listed above if you believe the Card a transfer has been lost or stolen call 000-000-0000 or email at xxxxxxxxxxx@xxxxx.xxx. We may suspend or cancel made using the information from your Card in the event of excessive reports of Card loss or theft. Under Mastercard Rules, you will not be held responsible for unauthorized transactions if you have used reasonable care in protecting your Card from loss or theft and you have promptly reported to us when you knew that your Card was lost or stolen. Zero Liability does not apply to Mastercard payment cards that are used for commercial purposes or anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us). In the event that Mastercard Zero Liability does not apply, if you notify us within two (2) business days after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used your Card PIN without your permission. If MasterCard Rules: You may have additional rights under the MasterCard rules, and in some instances such rules provide that you do not notify us within two (2) business days after you learn of the loss or theft of your Card and we can prove that we could have stopped someone from using your Card without your permission if you had promptly notified us, you could lose as much as $500.00. Also, if you become aware of 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 of your Card. To qualify for such protection, you notify us of the must exercise reasonable care in safeguarding your Card from loss, theft or unauthorized use and notify us promptly upon becoming aware of the loss or theft. Disputes with Merchants: We are not responsible for the delivery, quality, safety, legality or any other aspect of goods and services that you purchase from others with your Card. All such disputes should be addressed to the merchants from whom the goods and services were purchased. Errors or Questions about Card Transactions: If you think your electronic transaction history or a receipt is wrong or if you need more information about a transaction listed on your electronic transaction history or receipt, please contact us as soon as possible at 0-000-000-0000 or write to us at Card Services, X.X. Xxx 0000, Xxxxx Xxxxx, XX 00000-0000. We must hear from you no later than 60 days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic transaction history, or the date we sent the FIRST written history on which the error appeared. You will need to tell us the following: (1) your name and address, (2) your Card or Access Code(s). You also agree to cooperate completely with us Number, (3) why you believe there is an error, (4) the dollar amount involved, and (5) approximately when the Bank in attempts to recover funds from unauthorized users and to assist in their prosecution. The Bank may issue replacement Card(s) or Access Code(s), but only after you have provided such proof and security or indemnification as the Bank may require. In addition, you acknowledge that the Bank may have to deactivate your Card(s) to prevent future losseserror took place. If you share tell us verbally, we may require that you send us written information within ten (10) business days. We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your Card(s) complaint or Access Code(s) with another personquestion. If we decide to do this, use we will provisionally credit your account within 10 business days for the amount you think is in error, so that you will have the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. For errors involving new accounts, POS, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. We will tell you the results within 3 business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of your Card by that person may be considered as authorizedthe documents we used in our investigation. If you authorize another person to use your Card or Access Code(s)have any further questions regarding our error resolution procedures, you agree that you will be liable for all transactions arising from use of the Card or Access Code(s) please contact us by such person except as otherwise set forth in this Agreement. In all cases, our liability for an unauthorized transaction is limited to reimbursing you for the face amount of the unauthorized transaction and any corresponding fees, except as otherwise required by applicable law. A transaction is unauthorized if it is not initiated by you, you did not give permission to make the transaction or you do not benefit from the transaction in any waycalling 1-866- 000-0000.

Your Liability for Unauthorized Transactions. If You agree to exercise reasonable control over your PIN(s); user ID(s); and password(s) and any other access code related to your Card (each, an “Access Code"). If you believe tell Us within 2 business days after You learn of the Card or Access Code has been lost, compromised or stolen, immediately 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 Card has been lost or stolen call 000-000-0000 or email at xxxxxxxxxxx@xxxxx.xxx. We may suspend or cancel your Card in the event of excessive reports of Card loss or theft. Under Mastercard Rules, you will not be held responsible for unauthorized transactions if you have used reasonable care in protecting your Card from loss or theft and you have promptly reported to us when you knew that your Card was lost of Your member number, password or stolen. Zero Liability does not apply to Mastercard payment cards that are used for commercial purposes or anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us). In the event that Mastercard Zero Liability does not applyother access codes, if you notify us within two (2) business days after you learn of any unauthorized transactions, you You can lose no more than $50.00 if someone used your Card them without your Your permission. If you You do not notify us NOT tell Us within two (2) 2 business days after you You learn of the loss or theft of your Card Your member number, password or other access codes, and we We can prove that we We could have stopped someone from using your Card them without your Your permission if you You had promptly notified ustold Us, you You could lose as much as $500.00. Also, if you become aware of and/or your Your statement for a consumer account shows transactions you transfers covered by this Agreement that You did not makemake or authorize, notify us tell Us at once following the procedures stated in Section XVIII (Your Right to Dispute Errors)once. If you You do not notify us tell Us within sixty (60) 60 days after you become aware of the transaction and/or after the statement was made available mailed to youYou, you You may not get back any value you money lost after the sixty (60) 60 days if we We can prove that we We could have stopped someone from taking the value money if you You had notified us told Us in time. If a good reason (such as a long trip or hospital stay) kept You from telling Us, We will extend the time periods. In Case of Errors or Questions About Transactions This section applies only to transactions covered by this Agreement. You may call at 000.000.0000 or write Us at DFCU Financial PO Box 6048, Dearborn, MI 48121-6048 as soon as You can, if You think Your statement is wrong or if You need more information about a transfer covered by this Agreement which is listed on the statement. We must hear from You no later than 60 days after We sent the FIRST statement on which the problem or error appeared. Tell Us Your name and account number (if any). Describe the error or transfer You are unsure about, and explain as clearly as You can why You believe it is an error and why You need more information. Tell Us the dollar amount of the suspected error. If You tell Us orally, We may require that You send Us Your complaint or question in writing so that We receive it within 10 business days. We will determine whether an error occurred within 10 business days after We hear from You and will correct any error promptly. If We need more time, however, We may take up to 45 days to investigate Your complaint or question. If We decide to do this, We will provisionally credit Your account within 10 business days for the amount You think is in error, so that You will not be liable for unauthorized use that occurs after you notify us of have the loss, theft or unauthorized use of your Card or Access Code(s). You also agree to cooperate completely with us and the Bank in attempts to recover funds from unauthorized users and to assist in their prosecution. The Bank may issue replacement Card(s) or Access Code(s), but only after you have provided such proof and security or indemnification as the Bank may require. In addition, you acknowledge that the Bank may have to deactivate your Card(s) to prevent future losses. If you share your Card(s) or Access Code(s) with another person, use of your Card by that person may be considered as authorized. If you authorize another person to use your Card or Access Code(s), you agree that you will be liable for all transactions arising from use of the Card 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 to exercise reasonable control over your PIN(s); user ID(s); and password(s) and any other access code related to your Card (each, an “Access Code"). If you believe the your Card or Access Code Information has been lost, compromised lost or stolen, immediately contact us at call 0-000-000-0000 or email us at xxxxxxxxxxx@xxxxx.xxx Telephoning is write to Card Services, Xxx Xxxxxxxx Xxx, Suite 175, Cincinnati, OH 45246. You should also call the best way number or write to minimize your possible losses. If the address listed above if you believe the Card a transfer has been lost or stolen call 000-000-0000 or email at xxxxxxxxxxx@xxxxx.xxx. We may suspend or cancel made using the information from your Card in the event of excessive reports of Card loss or theft. Under Mastercard Rules, you will not be held responsible for unauthorized transactions if you have used reasonable care in protecting your Card from loss or theft and you have promptly reported to us when you knew that your Card was lost or stolen. Zero Liability does not apply to Mastercard payment cards that are used for commercial purposes or anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us). In the event that Mastercard Zero Liability does not apply, if you notify us within two (2) business days after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used your Card PIN without your permission. If MasterCard Rules: You may have additional rights under the MasterCard rules, and in some instances such rules provide that you do not notify us within two (2) business days after you learn of the loss or theft of your Card and we can prove that we could have stopped someone from using your Card without your permission if you had promptly notified us, you could lose as much as $500.00. Also, if you become aware of 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 of your Card. To qualify for such protection, you notify us of the must exercise reasonable care in safeguarding your Card from loss, theft or unauthorized use and notify us promptly upon becoming aware of the loss or theft. Disputes with Merchants: We are not responsible for the delivery, quality, safety, legality or any other aspect of goods and services that you purchase from others with your Card. All such disputes should be addressed to the merchants from whom the goods and services were purchased. Errors or Questions about Card Transactions: If you think your electronic transaction history or a receipt is wrong or if you need more information about a transaction listed on your electronic transaction history or receipt, please contact us as soon as possible at 0-000-000-0000, or write to us at Card Services, X.X. Xxx 0000, Xxxxx Xxxxx, XX 00000-0000. We must hear from you no later than 60 days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic transaction history, or the date we sent the FIRST written history on which the error appeared. You will need to tell us the following: (1) your name and address, (2) your Card or Access Code(s). You also agree to cooperate completely with us Number, (3) why you believe there is an error, (4) the dollar amount involved, and (5) approximately when the Bank in attempts to recover funds from unauthorized users and to assist in their prosecution. The Bank may issue replacement Card(s) or Access Code(s), but only after you have provided such proof and security or indemnification as the Bank may require. In addition, you acknowledge that the Bank may have to deactivate your Card(s) to prevent future losseserror took place. If you share tell us verbally, we may require that you send us written information within ten (10) business days. We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your Card(s) complaint or Access Code(s) with another personquestion. If we decide to do this, use we will provisionally credit your account within 10 business days for the amount you think is in error, so that you will have the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. For errors involving new accounts, POS, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. We will tell you the results within 3 business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of your Card by that person may be considered as authorizedthe documents we used in our investigation. If you authorize another person to use your Card or Access Code(s)have any further questions regarding our error resolution procedures, you agree that you will be liable for all transactions arising from use of the Card or Access Code(s) please contact us by such person except as otherwise set forth in this Agreement. In all cases, our liability for an unauthorized transaction is limited to reimbursing you for the face amount of the unauthorized transaction and any corresponding fees, except as otherwise required by applicable law. A transaction is unauthorized if it is not initiated by you, you did not give permission to make the transaction or you do not benefit from the transaction in any waycalling 1-866- 000-0000.

Your Liability for Unauthorized Transactions. You agree to exercise reasonable control over your PIN(s); user ID(s); and password(s) and any other access code related to your Card (each, an “Access Code"). If Tell us IMMEDIATELY if you believe the 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.xxx Telephoning change your password from within the Online Banking section. Calling is the best way to minimize notify us. You could lose all the money in your possible lossesaccount (plus your maximum courtesy pay). If you believe the Card has been lost or stolen call 000-000-0000 or email at xxxxxxxxxxx@xxxxx.xxx. We may suspend or cancel your Card in the event of excessive reports of Card loss or theft. Under Mastercard Rules, you will not be held responsible for unauthorized transactions if you have used reasonable care in protecting your Card from loss or theft and you have promptly reported to us when you knew that your Card was lost or stolen. Zero Liability does not apply to Mastercard payment cards that are used for commercial purposes or anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us). In the event that Mastercard Zero Liability does not apply, if you notify tell us within two (2) business days after you learn of any unauthorized transactionsdays, you can lose no more than $50.00 50 if someone used your Card password without your permission. Also, if your statement shows transfers that you did not make, tell us at once. If you do not notify us within two (2) business days after you learn of the loss or theft of your Card and we can prove that we could have stopped someone from using your Card without your permission if you had promptly notified us, you could lose as much as $500.00. Also, if you become aware of 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 mailed to you, you may not get back any value money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the value money if you had notified told us in time. You will not be liable for unauthorized use If you believe your password has been lost or stolen or that occurs someone has transferred or may transfer money from your account without your permission, call us at the telephone number listed below in the “How to Notify Us” section. In case of errors or questions about Online Banking; if you think your statement is wrong; or if you need more information about a transfer listed on the statement, call or write us at the telephone number or address listed in this disclosure, as soon as you can. We must hear from you no later than 60 days after we send the first statement on which the problem or error appeared. Include: • Your name and account number • Describe the error or the transfer you notify are unsure about, and explain as clearly as you can why you believe it is error or why you need more information • Tell us the dollar amount of the losssuspected error If you tell us orally, theft we may require that you send us your complaint or unauthorized use question in writing within 10 business days. We will tell you the results of your Card or Access Code(s). You also agree to cooperate completely with us our investigation within 10 business days after we hear from you and the Bank in attempts to recover funds from unauthorized users and to assist in their prosecution. The Bank may issue replacement Card(s) or Access Code(s), but only after you have provided such proof and security or indemnification as the Bank may require. In addition, you acknowledge that the Bank may have to deactivate your Card(s) to prevent future losseswill correct any error promptly. If you share we need more time, however, we may take up to 45 days to investigate your Card(s) complaint or Access Code(s) with another person, use of your Card by that person may be considered as authorizedquestion. If we decide to do this we will re-credit your account within 10 business days for the amount you authorize another person to use your Card or Access Code(s)think is in error, you agree so that you will be liable for all transactions arising from have the use of the Card money during the time it takes us to complete our investigation. If we ask you to put your complaint or Access Code(s) by such person except as otherwise set forth questions in this Agreementwriting and we do not receive it within 10 business days, we may not re-credit your account. In all casesIf we decide that there was no error, we will send you a written explanation within three business days after we finish our liability investigation and your account will be adjusted accordingly. You may ask for an unauthorized transaction is limited to reimbursing you for the face amount copies of the unauthorized transaction and any corresponding fees, except as otherwise required by applicable law. A transaction is unauthorized if it is not initiated by you, you did not give permission to make the transaction or you do not benefit from the transaction documents that we used in any wayour investigation.