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

Your Liability for Unauthorized Transfers and Advisability of Prompt Reporting. Tell us AT ONCE if you believe your GECU Debit Card, GECU ATM Card, or any PIN we have issued to you has been lost or stolen. Telephoning is the best way of keeping your possible losses down. Failure to notify us could cause you to lose all the funds available in your Checking Account, Share Account, Checking Line Of Credit, and other accounts you have designated for overdraft protection. Note: If your Card can be used to access a line of credit account directly, then your liability for unauthorized use of the Card in connection with the line of credit account is governed by your line of credit agreement unless the unauthorized access to the line of credit account was for overdraft protection purposes, in which case the disclosures below will apply. Under MasterCard’s® zero liability policy, you will not be liable for an unauthorized transaction, as long as you exercised reasonable care in safeguarding the card from risk of loss or theft, and upon becoming aware, promptly report the loss or theft to us. If you do not exercise reasonable care and promptly notify us, your liability will be determined under the standards set forth below for all other transactions. If you notify us within two business days, your liability will not exceed $50 if someone used your Card without your permission. If you do NOT notify us within two business days after you learn of the loss or theft of your Card, and we can prove we could have stopped someone from using your Card without your permission if you had told us, your liability shall not exceed $500. Also, if your statement shows transfers that you did not make, notify us at once. If you do not notify us within 60 days after the statement was delivered 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. Anytime you believe your GECU SmartLine PIN has been compromised, in addition to notifying us, you should change your PIN to protect your accounts by calling GECU SmartLine (available 24 hours a day) at: * If your GECU Online Banking password has been compromised, log on to our website at xxx.xxxx.xxx, click on the GECU Online Banking icon, and follow the directions for a password change. Remember, it is your responsibility to change your GECU SmartLine PIN immediately after becoming a GECU member.

Your Liability for Unauthorized Transfers and Advisability of Prompt Reporting. Tell us AT ONCE if you believe your GECU Debit Card, GECU ATM Card, or any PIN we have issued to you has been lost or stolen. Telephoning is the best way of keeping your possible losses down. Failure to notify us could cause you to lose all the funds available in your Checking Account, Share Account, Checking Line Of Credit, and other accounts you have designated for overdraft protection. Note: If your Card can be used to access a line of credit account directly, then your liability for unauthorized use of the Card in connection with the line of credit account is governed by your line of credit agreement unless the unauthorized access to the line of credit account was for overdraft protection purposes, in which case the disclosures below will apply. Under MasterCard’s® zero liability policy, you will not be liable for an unauthorized transaction, as long as you exercised reasonable care in safeguarding the card from risk of loss or theft, and upon becoming aware, promptly report the loss or theft to us. If you do not exercise reasonable care and promptly notify us, your liability will be determined under the standards set forth below for all other transactions. If you notify us within two business days, your liability will not exceed $50 if someone used your Card without your permission. If you do NOT notify us within two business days after you learn of the loss or theft of your Card, and we can prove we could have stopped someone from using your Card without your permission if you had told us, your liability shall not exceed $500. Also, if your statement shows transfers that you did not make, notify us at once. If you do not notify us within 60 days after the statement was delivered 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. Anytime you believe your GECU SmartLine Audio Response System PIN has been compromised, in addition to notifying us, you should change your PIN to protect your accounts by calling GECU SmartLine Audio Response System (available 24 hours a day) at: * If your GECU Online Banking password has been compromised, log on to our website at xxx.xxxx.xxx, click on the GECU Online Banking icon, and follow the directions for a password change. Remember, it is your responsibility to change your GECU SmartLine Audio Response System PIN immediately after becoming a GECU member.

Your Liability for Unauthorized Transfers and Advisability of Prompt Reporting. Tell us AT ONCE If your Card or PIN has been lost, stolen, or compromised or if you believe that someone has used your GECU Card or PIN or has transferred or may transfer money from your Account without permission, or if you believe that an electronic fund transfer has been made without your permission using information from your check, NOTIFY US IMMEDIATELY. Telephoning us is the best way of limiting your possible losses. You could lose all the money in your Account plus the maximum amount of your overdraft line of credit. Call 000.000.0000 (in San Antonio) or 800.227- 5328 (outside San Antonio). Our regular business hours are from 9:00 am to 5:00 pm central time. Or write us at: For Point-of-Sale Debit Card Transactions with the Visa® Debit Card, GECU ATM Card, . If you believe your Visa® Debit Card or any PIN we have issued to you has been lost or stolen. Telephoning is the best way of keeping your possible losses down. Failure to notify us could cause you to lose all the funds available in your Checking Account, Share Account, Checking Line Of Credit, and other accounts you have designated for overdraft protection. Note: If your Card can be used to access a line of credit account directly, then your liability for unauthorized use of the Card in connection with the line of credit account is governed by your line of credit agreement unless the unauthorized access to the line of credit account was for overdraft protection purposes, in which case the disclosures below will apply. Under MasterCard’s® zero liability policy, you will not be liable for an unauthorized transaction, as long as once you exercised reasonable care notify us that someone may or has used your Visa® Debit Card or PIN without your permission. The foregoing liability limitation does not apply if you are grossly negligent or fraudulent in safeguarding the card from risk handling of loss your Account or theft, and upon becoming aware, promptly report the loss or theft to usyour Visa® Debit Card. If you do not exercise reasonable care and promptly notify usIn those cases, your liability will be determined under the standards set forth below for all other transactionsunauthorized transfers. For All Other Unauthorized Transfers. You are responsible for all transactions you authorize under this Agreement. If you notify permit other persons to use your Card or PIN, you are responsible for any transactions they authorize or conduct on any of your Accounts. However, tell us within two business days, at once if you believe your liability will not exceed $50 Card or PIN have been lost or stolen or if someone anyone has used your Card or PIN or accessed your Accounts without your permissionauthorization. If you do NOT notify tell us within two business days after you learn of the loss or theft of your CardCard or PIN, and we you can prove we could have stopped lose no more than $50.00 if someone from using accesses your Card Accounts without your permission if you had told us, your liability shall not exceed $500. Also, if your statement shows transfers that you did not make, notify us at oncepermission. If you do not notify NOT tell us within 60 two business days after you learn of the statement was delivered to you, you may not get back any money you lost after the 60 days if unauthorized use of your Card or PIN and we can prove that we could have stopped someone from taking the money accessing your Accounts without permission 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. Anytime you believe your GECU SmartLine PIN has been compromised, in addition to notifying us, you should change your PIN to protect your accounts by calling GECU SmartLine (available 24 hours a day) at: * If your GECU Online Banking password has been compromised, log on to our website at xxx.xxxx.xxx, click on the GECU Online Banking icon, and follow the directions could lose as much as $500.00. Business Days. Our business days are Monday through Friday except for a password change. Remember, it is your responsibility to change your GECU SmartLine PIN immediately after becoming a GECU memberfederal holidays.

Your Liability for Unauthorized Transfers and Advisability of Prompt Reporting. Tell us AT ONCE if you believe your GECU Debit Card, GECU ATM Card, Card or any PIN we have issued to you 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 is the best way of keeping your possible losses down. Failure to notify us You could cause you to lose all the funds available money in your Checking Account, Share Account, Checking Line Of Credit, and other accounts . a For Unauthorized Point-of-Sale Debit Card Transactions with Your VISA ATM/Debit Card. If you have designated for overdraft protection. Note: If believe your Card can be used to access a line of credit account directly, then your liability for unauthorized use of the Card in connection with the line of credit account is governed by your line of credit agreement unless the unauthorized access to the line of credit account was for overdraft protection purposes, in which case the disclosures below will apply. Under MasterCard’s® zero liability policyor PIN has been lost or stolen, you will not be liable for an unauthorized transaction, as long as if you exercised reasonable care notify us that someone may or has used your Card or PIN without your permission. The foregoing liability limitation does not apply if you are grossly negligent or fraudulent in safeguarding the card from risk handling of loss your Account or theft, and upon becoming aware, promptly report the loss or theft to usyour Card. If you do not exercise reasonable care and promptly notify usIn those cases, your liability will be determined under the standards set forth below for all other transactionsunauthorized transfers. b For All Other Unauthorized Transfers with Your VISA ATM/Debit Card. If you notify believe your Card or PIN has been lost or stolen, and you tell us within two business daysdays after you learn of the loss or theft, your liability will not exceed you can lose no more than $50 if someone used your Card or PIN without your permission. If you do NOT notify tell us within two business days after you learn of the loss or theft of your Card, card or PIN and we can prove we could have stopped someone from using your Card or PIN without your permission if you had told us, your liability shall not exceed you could lose as much as $500. Also, if your statement shows transfers that you did not make, notify including those made by Card, PIN, or other means, tell us at once. If you do not notify tell us within 60 days after the statement was delivered 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. Anytime you believe your GECU SmartLine PIN has been compromised, in addition to notifying us, you should change your PIN to protect your accounts by calling GECU SmartLine (available 24 hours a day) at: * If your GECU Online Banking password has been compromised, log on to our website at xxx.xxxx.xxx, click on the GECU Online Banking icon, and follow the directions for a password change. Remember, it is your responsibility to change your GECU SmartLine PIN immediately after becoming a GECU member.

Your Liability for Unauthorized Transfers and Advisability of Prompt Reporting. Tell us AT ONCE immediately if you believe your GECU Debit Card, GECU ATM Card, Card or any PIN we have issued to you or Access Code 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 is the best way of keeping your possible losses down. Failure to notify us You could cause you to lose all the funds available money in your Checking Account, Share Account, Checking Line Of Credit, and other accounts Account (plus your maximum overdraft line of credit). a. For Point-of-Sale Transactions with Your Debit MasterCard or Debit Business MasterCard. If you have designated for overdraft protection. Note: If believe your Card can be used to access a line of credit account directly, then your liability for unauthorized use of the Card in connection with the line of credit account is governed by your line of credit agreement unless the unauthorized access to the line of credit account was for overdraft protection purposes, in which case the disclosures below will apply. Under MasterCard’s® zero liability policyor PIN has been lost or stolen, you will not be liable for an unauthorized transaction, as long as once you notify us that someone may or has used your Card or PIN without your permission. This zero liability limitation does not apply unless (i) you have exercised reasonable care in safeguarding with the card from risk Card, (ii) you have not reported two or more incidents of loss or theftunauthorized use on your Account within the preceding 12 months, and upon becoming aware, promptly report (iii) your Account is in good standing. This limitation also does not apply to ATM transactions or if the loss or theft to usPIN was used as the cardholder verification method for the unauthorized transaction. If you do not exercise reasonable care meet these conditions and promptly notify usyou are a consumer cardholder, your liability will be determined under the standards set forth below in subsection (b). Businesses not meeting the conditions above are subject to unlimited liability for unauthorized Card use. Note to Business, Association, and Organization Accounts: The following consumer liability limitations do not apply to Business Accounts. b. For All Other Transactions. For consumer Debit MasterCard transactions in which zero liability does not apply, and for all other types of consumer electronic funds Transfer transactions. If , if you notify tell us within two business days, your liability will not exceed you can lose no more than $50 if someone used your Card or PIN or Access Code without your permission. If you do NOT notify tell us within two business days after you learn of the loss or theft of your CardCard or PIN or Access Code, and we can prove we could have stopped someone from using your Card or PIN or Access Code without your permission if you had told us, your liability shall not exceed you could lose as much as $500. Also, if your statement shows transfers that you did not make, notify including those made by Card, PIN, Access Code, or other means, tell us at once. If you do not notify tell us within 60 days after the statement was delivered 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. Anytime you believe your GECU SmartLine PIN has been compromised, in addition to notifying us, you should change your PIN to protect your accounts by calling GECU SmartLine (available 24 hours a day) at: * If your GECU Online Banking password has been compromised, log on to our website at xxx.xxxx.xxx, click on the GECU Online Banking icon, and follow the directions for a password change. Remember, it is your responsibility to change your GECU SmartLine PIN immediately after becoming a GECU member.

Your Liability for Unauthorized Transfers and Advisability of Prompt Reporting. Tell us AT ONCE immediately if you believe your GECU Debit Card, GECU ATM Card, Card or any PIN we have issued to you or Access Code 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 is the best way of keeping your possible losses down. Failure to notify us You could cause you to lose all the funds available money in your Checking Account, Share Account, Checking Line Of Credit, and other accounts Account (plus your maximum overdraft line of credit). a. For Point-of-Sale Transactions with Your Debit Mastercard or Debit Business Mastercard. If you have designated for overdraft protection. Note: If believe your Card can be used to access a line of credit account directly, then your liability for unauthorized use of the Card in connection with the line of credit account is governed by your line of credit agreement unless the unauthorized access to the line of credit account was for overdraft protection purposes, in which case the disclosures below will apply. Under MasterCard’s® zero liability policyor PIN has been lost or stolen, you will not be liable for an unauthorized transaction, as long as once you notify us that someone may or has used your Card or PIN without your permission. This zero liability limitation does not apply unless (i) you have exercised reasonable care with the Card, (ii) you have not reported two or more incidents of unauthorized use on your Account within the preceding 12 months, and(iii) your Account is in safeguarding good standing. This limitation also does not apply to ATM transactions or if the card from risk of loss or theft, and upon becoming aware, promptly report PIN was used as the loss or theft to uscardholder verification method for the unauthorized transaction. If you do not exercise reasonable care meet these conditions and promptly notify usyou are a consumer cardholder, your liability will be determined under the standards set forth below in subsection (b). Businesses not meeting the conditions above are subject to unlimited liability for unauthorized Card use. Note to Business, Association, and Organization Accounts: The following consumer liability limitations do not apply to Business Accounts. b. For All Other Transactions. For consumer Debit Mastercard transactions in which zero liability does not apply, and for all other types of consumer electronic funds Transfer transactions. If , if you notify tell us within two business days, your liability will not exceed you can lose no more than $50 if someone used your Card or PIN or Access Code without your permission. If you do NOT notify tell us within two business days after you learn of the loss or theft of your CardCard or PIN or Access Code, and we can prove we could have stopped someone from using your Card or PIN or Access Code without your permission if you had told us, your liability shall not exceed you could lose as much as $500. Also, if your statement shows transfers that you did not make, notify including those made by Card, PIN, Access Code, or other means, tell us at once. If you do not notify tell us within 60 days after the statement was delivered 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. Anytime you believe your GECU SmartLine PIN has been compromised, in addition to notifying us, you should change your PIN to protect your accounts by calling GECU SmartLine (available 24 hours a day) at: * If your GECU Online Banking password has been compromised, log on to our website at xxx.xxxx.xxx, click on the GECU Online Banking icon, and follow the directions for a password change. Remember, it is your responsibility to change your GECU SmartLine PIN immediately after becoming a GECU member.