Common use of Your Liability for Unauthorized Transfers Clause in Contracts

Your Liability for Unauthorized Transfers. You could lose the entire value, including your available margin, of your Account through any unauthorized Transfer. Therefore, you should notify us or Clearing Firm at once if you believe a Transfer has occurred in your Account without your permission. Notifying us or Clearing Firm as soon as possible by telephone could minimize your possible losses. If you notify us or Clearing Firm within two (2) business days after you learn of the unauthorized Transfer, you can lose no more than $50.00. If you do not notify us or Clearing Firm within two (2) business days after you learn of the unauthorized Transfer, and we can prove that you could have stopped someone from making the unauthorized Transfer if you had notified us or Clearing Firm, then you can lose as much as $500.00. Should your Account Statement show any Transfer that you did not authorize, please notify us or Clearing Firm at once. If you do not notify us or Clearing Firm within sixty (60) days after the Account Statement was mailed, you may not get back any money you lost after the sixty (60) days if we can prove that we could have stopped the unauthorized Transfer if you had notified us or Clearing Firm in time. If a good reason (such as a long trip or hospital stay) keeps you from notifying us or Clearing Firm, the time periods above may be extended. If your Account is an institutional (Corporation, Non-Profit Organization, Non-Corporate Organizations, Partnerships, Estates, Pension and Profit Sharing Plans (not including IRAs and Employee Stock Ownership Plans) and other Trusts) account, you are liable for all unauthorized Transfers up to the time at which you notify us or Clearing Firm.

Your Liability for Unauthorized Transfers. You could lose the entire value, including your available margin, value of your Account through any unauthorized Transfer. Therefore, you should notify us or Clearing Firm at once if you believe a Transfer has occurred in your Account without your permission. Notifying us or Clearing Firm as soon as possible by telephone could minimize your possible losses. If you notify us or Clearing Firm within two (2) business days after you learn of the unauthorized Transfer, you can lose no more than the lesser of $50.0050.00 or the amount of the unauthorized Transfers. If you do not notify us or Clearing Firm within two (2) business days Business Days after you learn of the unauthorized Transfer, and we can prove that you we could have stopped someone from making the unauthorized Transfer if you had notified us or Clearing Firmus, then you can lose as much as the lesser of $500.00500.00 or the sum of (i) $50.00 or the amount of the unauthorized Transfers that occur within the two (2) Business Days; and (ii) the amount of unauthorized Transfers that occur after the close of two (2) Business Days and before notice to us, provided we establish that these unauthorized Transfers would not have occurred had you notified us within that two- day period. Should your Advantage Account Statement statement show any Transfer that you did not authorize, please notify us or Clearing Firm at once. If you do not notify us or Clearing Firm within sixty (60) 60 days after the Account Statement statement was mailed, you may not get back any money you lost after the sixty (60) 60 days if we can prove that we could have stopped the unauthorized Transfer if you had notified us or Clearing Firm in time. If a good reason (such as a long trip or hospital stay) keeps you from notifying us or Clearing Firmus, the time periods above may be extended. If your Account is a "Commercial Account" (which is defined in this Advantage Agreement as an institutional (account for a Corporation, Non-Profit Nonprofit Organization, Non-Corporate OrganizationsNoncorporate Organization, Partnerships, Estates, Pension and Profit Sharing Plans ([not including IRAs and Employee Stock Ownership Plans) ] and other Trusts) accountTrust), you are liable for all unauthorized Transfers up to the time at which you notify us or Clearing Firmus.

Your Liability for Unauthorized Transfers. You could lose the entire value, including your available margin, of your Account through any unauthorized Transfer. Therefore, you should notify us or First Clearing* ("Clearing Firm Firm") at once if you believe a Transfer has occurred in your Account account without your permission. Notifying us or Clearing Firm as soon as possible by telephone could minimize your possible losses. If you notify us or Clearing Firm within two (2) business days after you learn of the unauthorized Transfer, you can lose no more than $50.00. If you do not notify us or Clearing Firm within two (2) business days after you learn of the unauthorized Transfer, and we can prove that you could have stopped someone from making the unauthorized Transfer if you had notified us or Clearing Firm, then you can lose as much as $500.00. Should your Account Statement show any Transfer that you did not authorize, please notify us or Clearing Firm at once. If you do not notify us or Clearing Firm within sixty (60) days after the Account Statement was mailed, you may not get back any money you lost after the sixty (60) days if we can prove that we could have stopped the unauthorized Transfer if you had notified us or Clearing Firm in time. If a good reason (such as a long trip or hospital stay) keeps you from notifying us or Clearing Firm, the time periods above may be extended. If your Account is an institutional (Corporation, Non-Non- Profit Organization, Non-Corporate Organizations, Partnerships, Estates, Pension and Profit Sharing Plans (not including IRAs and Employee Stock Ownership Plans) and other Trusts) account, you are liable for all unauthorized Transfers up to the time at which you notify us or Clearing Firm.

Your Liability for Unauthorized Transfers. You could lose the entire value, including your available margin, of your Account through any unauthorized Transfer. Therefore, you should notify Contact us or Clearing Firm at once if you believe a Transfer your Card has occurred in your Account without your permissionbeen lost or stolen. Notifying us or Clearing Firm as soon as possible by telephone could Telephoning is the best way to minimize your possible losses. If you believe your Card has been lost or stolen, or that someone has transferred or may transfer money from your Card Account without your permission, call 1-844-441- 8671. 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 or Clearing Firm 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 unauthorized Transfer, you can lose no more than $50.00. If you do not notify us loss or Clearing Firm within two (2) business days after you learn theft of the unauthorized Transfer, your Card and we can prove that you we could have stopped someone from making the unauthorized Transfer using your Card without your permission if you had promptly notified us or Clearing Firmus, then you can could lose as much as $500.00. Should Also, if you become aware of and/or your Account Statement show any Transfer statement shows transactions that you did not authorizemake, please notify us or Clearing Firm at once. once following the procedures stated in the paragraph labeled “Information About Your Right to Dispute Errors.” If you do not notify us or Clearing Firm within sixty (60) days after you become aware of the Account Statement transaction and/or after the statement was mailedmade available to you, you may not get back any money value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the unauthorized Transfer value if you had notified us or Clearing Firm in time. If a good reason (such as a long trip or a hospital stay) keeps kept you from notifying us or Clearing Firmtelling us, we will extend the time periods above may be extendedperiods. If your Card has been lost or stolen, we will close your Card Account to keep losses down and will send a replacement card. There is an institutional (Corporationa fee for replacing your Card. For information about the fee, Non-Profit Organization, Non-Corporate Organizations, Partnerships, Estates, Pension and Profit Sharing Plans (not including IRAs and Employee Stock Ownership Plans) and other Trusts) account, you are liable for all unauthorized Transfers up to see the time at which you notify us or Clearing Firmsection labeled “Fee Schedule.”

Your Liability for Unauthorized Transfers. You could lose the entire value, including If you are unable to find your available margin, of your Account through any unauthorized Transfer. ThereforeCard, you should notify may put a security hold on your Card so no money can be spent or cash withdrawn while you look for it. Click “Freeze My Card” from the Help page in the App. Contact us or Clearing Firm at once if you believe a Transfer your Card has occurred in your Account without your permissionbeen lost or stolen. Notifying us or Clearing Firm as soon as possible by telephone could Telephoning is the best way to minimize your possible losses. If you believe your Card has been lost or stolen, or that someone has transferred or may transfer money from your Card Account without your permission, call us at 0-000-000-0000. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions on your Card Account is $0.00 if you notify us within two (2) business days and you are not grossly negligent or Clearing Firm fraudulent in the handling of your Card. This reduced liability does not apply to PIN transactions not processed by Visa or to ATM cash withdrawals. If you notify us within two (2) business days 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 unauthorized Transferloss 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 can could lose no more than as much as $50.00500.00. Also, if you become aware of and/or your statement shows transactions that you did not make, notify us at once following the procedures stated in the paragraph labeled “Your Right to Dispute Errors”. If you do not notify us or Clearing Firm within two (2) business days after you learn of the unauthorized Transfer, and we can prove that you could have stopped someone from making the unauthorized Transfer if you had notified us or Clearing Firm, then you can lose as much as $500.00. Should your Account Statement show any Transfer that you did not authorize, please notify us or Clearing Firm at once. If you do not notify us or Clearing Firm in writing within sixty (60) days after you become aware of the Account Statement transaction and/or after the statement was mailedmade available to you, you may not get back any money value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the unauthorized Transfer value if you had notified us in time and you are grossly negligent or Clearing Firm fraudulent in timethe handling of your Card. If a good reason (such as a long trip or a hospital stay) keeps kept you from notifying us or Clearing Firmtelling us, we will extend the time periods above may be extendedperiods. If your Card has been lost or stolen, we will close your Card Account is an institutional (Corporationto keep losses down. Return to your employer to obtain a replacement card, Nonand call 0- 000-Profit Organization, Non000-Corporate Organizations, Partnerships, Estates, Pension and Profit Sharing Plans (not including IRAs and Employee Stock Ownership Plans) and other Trusts) account, you are liable for all unauthorized Transfers up 0000 to the time at which you notify us or Clearing Firmtransfer funds to your replacement card.

Your Liability for Unauthorized Transfers. During online account set-up, you will be invited to create a user name and password to protect your account from unauthorized access. You could lose are responsible for maintaining the entire valueconfidentiality and security of your user name and password. Tell us immediately if you believe that any approved account access information or device, including your available marginonline banking user name and/or password, of your Account through any unauthorized Transfer. Thereforehas been lost or stolen, you should notify us or Clearing Firm at once if you believe a Transfer that an EFT has occurred in your Account been made without your permission, or that someone has transferred or may transfer money from your account without your authorization. Notifying You may tell us by calling us 0-000-000-0000 or Clearing Firm by writing to us as soon as possible by telephone could minimize at X.X. Xxx 00000, Xxxx Xxxx Xxxx, XX 00000-0000 (or such other address as we may provide to you from time to time). (Please note that e-mail, SMS/text or online notification will not meet the notice requirements of this section.) Telephoning is the best way of keeping your possible losseslosses down. You could lose all the money in your account. If you notify tell us or Clearing Firm within two (2) business days after you learn of the unauthorized Transferloss or theft of your account access information or device, you can lose no more than your liability will be limited to $50.0050 if someone accesses your account without your authorization. If you do not notify NOT tell us or Clearing Firm within two (2) business days after you learn of the unauthorized Transfer, loss or theft of your account access information or device and we can prove that you we could have stopped someone from making the unauthorized Transfer accessing your account without your permission if you had notified us or Clearing Firmus, then you can could lose as much as $500.00500. Should Also, if your Account Statement show any Transfer statement shows EFTs that you did not make or authorize, please notify tell us or Clearing Firm at onceAT ONCE. If you do not notify tell us or Clearing Firm within sixty (60) days after the Account Statement was mailedstatement is mailed or otherwise made available to you, you may not get back any money funds you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the unauthorized Transfer money if you had notified told us or Clearing Firm in time. If a good reason (such as a long trip or a hospital stay) keeps kept you from notifying us or Clearing Firmtelling us, the we will extend these time periods above may be extendedperiods. If your Account is an institutional (Corporation, Non-Profit Organization, Non-Corporate Organizations, Partnerships, Estates, Pension and Profit Sharing Plans (not including IRAs and Employee Stock Ownership Plans) and other Trusts) accountyou grant authority to make transfers to another person who exceeds the authority granted, you are fully liable for all unauthorized Transfers up to the time at which any transfers until you notify us or Clearing Firmthat transfers by that person are no longer authorized.

Your Liability for Unauthorized Transfers. You could lose the entire value, including your available margin, of your Account through any unauthorized Transfer. Therefore, you should notify us or First Clearing Firm ("Clearing Firm") at once if you believe a Transfer has occurred in your Account account without your permission. Notifying us or Clearing Firm as soon as possible by telephone could minimize your possible losses. If you notify us or Clearing Firm within two (2) business days after you learn of the unauthorized Transfer, you can lose no more than $50.00. If you do not notify us or Clearing Firm within two (2) business days after you learn of the unauthorized Transfer, and we can prove that you could have stopped someone from making the unauthorized Transfer if you had notified us or Clearing Firm, then you can lose as much as $500.00. Should your Account Statement show any Transfer that you did not authorize, please notify us or Clearing Firm at once. If you do not notify us or Clearing Firm within sixty (60) days after the Account Statement was mailed, you may not get back any money you lost after the sixty (60) days if we can prove that we could have stopped the unauthorized Transfer if you had notified us or Clearing Firm in time. If a good reason (such as a long trip or hospital stay) keeps you from notifying us or Clearing Firm, the time periods above may be extended. If your Account is an institutional (Corporation, Non-Non- Profit Organization, Non-Corporate Organizations, Partnerships, Estates, Pension and Profit Sharing Plans (not including IRAs and Employee Stock Ownership Plans) and other Trusts) account, you are liable for all unauthorized Transfers up to the time at which you notify us or Clearing Firm.

Your Liability for Unauthorized Transfers. You could lose the entire value, including your available margin, If you believe any of your Account through any unauthorized Transfer. ThereforeAccess Codes has been lost or stolen, you should notify us or Clearing Firm and change your password immediately. Tell us at once if you believe a Transfer your statement, account or transaction information, or security information has occurred been lost, stolen, or compromised. Contacting us by phone is the best way of keeping your possible losses down. You could lose all the money in your Account without account, as well as your permission. Notifying us or Clearing Firm as soon as possible by telephone could minimize your possible lossesmaximum overdraft line of credit, if applicable. If you notify tell us or Clearing Firm within two (2) business days after you learn of the unauthorized Transferdays, you can lose no more than $50.0050.00 if someone used your security information without your permission. If you do not notify tell us or Clearing Firm within two (2) business days after you learn of the unauthorized Transferloss or theft of your security information, and we can prove that you we could have stopped someone from making the unauthorized Transfer using your security information without your permission if you had notified us or Clearing Firmus, then you can could lose as much as $500.00. Should If your Account Statement show any Transfer statement shows transfers that you did not authorizemake, please notify tell us or Clearing Firm at once. If you we do not notify us or Clearing Firm receive notification from you within sixty (60) calendar days after the Account Statement was mailedstatement date, you may not get back be entitled to any money type of account re-credit for lost funds. We will tell you lost the results of our investigation within ten business days after the sixty (60) days if we can prove that we could have stopped the unauthorized Transfer if you had notified us or Clearing Firm in timehear from you, and will correct any error promptly. If we need more time, however, we may take up to forty-five calendar days to investigate your complaint or question. If we determine we need this extra time, we will provisionally credit your account within ten business days for the amount you think is in error. You will have the use of 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 ten business days, we may not provisionally credit your account. If we decide that there was no error, we will send you a good reason (such as a long trip or hospital stay) keeps you from notifying us or Clearing Firmwritten explanation within three business days after we finish our investigation. You may ask for copies of the documents we used in our investigation. Security of Website While the credit union has taken all necessary and optional precautions to ensure the security and safety of its website and the Internet Banking Service, the time periods above may credit union does not guarantee that downloads from the site will be extendedfree of any viruses or other destructive devices. If your Account is an institutional (Corporation, Non-Profit Organization, Non-Corporate Organizations, Partnerships, Estates, Pension and Profit Sharing Plans (not including IRAs and Employee Stock Ownership Plans) and other Trusts) accountAdditionally, you are liable for all unauthorized Transfers up to provide, request, and receive information from the time at which you notify us or Clearing Firmsite with the knowledge that such information can be intercepted and/or viewed by unknown third parties.

Your Liability for Unauthorized Transfers. 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 Account (each, an “Access Code" collectively access information) and your Card. Tell us AT ONCE if you believe your Card or Access Information has been lost or stolen. Also, if your transaction history shows transfers that you did not make, including those made with your Card, Card Number or Account Number, or you believe an electronic transfer has been made without your permission, tell us at once. Telephoning us at 000-000-0000 is the best way of keeping your possible losses down. You could lose all of the entire value, including money in your available margin, of your Account through Card Account. You agree that any unauthorized Transfer. Therefore, use does not include use by a person to whom you should notify us have given authority to use your Card Account or Clearing Firm at once if Access Information and that you believe a Transfer has occurred in your Account without your permission. Notifying us or Clearing Firm as soon as possible will be liable for all such uses and funds transfers by telephone could minimize your possible lossessuch person(s). If you notify have a verified/personalized card the following provisions of this Section also apply: If you tell us or Clearing Firm within two (2) 2 business days after you learn of the unauthorized Transfer, loss or theft of your Card or Access Information you can lose no more than $50.0050 if someone used your Card or Access Information without your permission. If you do not notify NOT tell us or Clearing Firm within two (2) 2 business days after you learn of the unauthorized Transfer, loss or theft of your Card or Access Information and we can prove that you we could have stopped someone from making the unauthorized Transfer using your Card or Access Information without your permission if you had notified told us or Clearing Firmwithin this time frame, then you can could lose as much as $500.00500 if someone used your Card or Access Information without your permission. Should Also, if your Account Statement show any Transfer electronic history shows transactions that you did not authorizemake, please notify including those made by Card, Access Information or by other means, tell us or Clearing Firm at onceAT ONCE. If you do not notify tell us or Clearing Firm within sixty (60) 120 days after the Account Statement alleged unauthorized transfer was mailedcredited or debited to your Card Account, you may not get back any money you lost after the sixty (60) days this period if we can prove that we could have stopped someone from taking the unauthorized Transfer money if you had notified told us or Clearing Firm in time. If a good reason (such as a long trip or a hospital stay) keeps kept you from notifying us or Clearing Firmlearning of the unauthorized transaction and telling us, we will extend the time periods above may be extended. If your Account is an institutional (Corporation, Non-Profit Organization, Non-Corporate Organizations, Partnerships, Estates, Pension and Profit Sharing Plans (not including IRAs and Employee Stock Ownership Plans) and other Trusts) account, you are liable for all unauthorized Transfers up to the time at which you notify us or Clearing Firma reasonable period in our sole discretion.

Your Liability for Unauthorized Transfers. You could lose If you are unable to find your Card, you may put a security hold on your Card so no money can be spent or cash withdrawn while you look for it. Text “PAUSE” from your registered mobile device to the entire value, including your available margin, Customer Service phone numbers on the back of your Account through any unauthorized Transfercard. Therefore, you should notify Contact us or Clearing Firm at once if you believe a Transfer your Card has occurred in your Account without your permissionbeen lost or stolen. Notifying us or Clearing Firm as soon as possible by telephone could Telephoning is the best way to minimize your possible losses. If you believe your Card has been lost or stolen, or that someone has transferred or may transfer money from your Card Account without your permission, call us at the Customer Service numbers on the back of your card. Under Mastercard U.S.A. Inc. Operating Regulations, your liability for unauthorized Mastercard debit transactions on your Card Account is $0.00 if you notify us within two (2) business days and you are not grossly negligent or Clearing Firm fraudulent in the handling of your Card. This reduced liability does not apply to PIN transactions not processed by Mastercard or to ATM cash withdrawals. If you notify us within two (2) business days 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 unauthorized Transferloss 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 can could lose no more than as much as $50.00500.00. Also, if you become aware of and/or your statement shows transactions that you did not make, notify us at once following the procedures stated in the paragraph labeled “Your Right to Dispute Errors”. If you do not notify us or Clearing Firm within two (2) business days after you learn of the unauthorized Transfer, and we can prove that you could have stopped someone from making the unauthorized Transfer if you had notified us or Clearing Firm, then you can lose as much as $500.00. Should your Account Statement show any Transfer that you did not authorize, please notify us or Clearing Firm at once. If you do not notify us or Clearing Firm in writing within sixty (60) days after you become aware of the Account Statement transaction and/or after the statement was mailedmade available to you, you may not get back any money value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the unauthorized Transfer value if you had notified us in time and you are grossly negligent or Clearing Firm fraudulent in timethe handling of your Card. If a good reason (such as a long trip or a hospital stay) keeps kept you from notifying us or Clearing Firmtelling us, we will extend the time periods above may be extendedperiods. If your Card has been lost or stolen, we will close your Card Account to keep losses down. Return to your employer to obtain a replacement card or call the Customer Service numbers on the back of the card Assignment; Applicable Law; Severability Your Card and your obligations under this Agreement may not be assigned. We may transfer our rights under this Agreement. Use of your Card is an institutional (Corporationsubject to all applicable rules and customs of any clearinghouse or other association involved in transactions. We do not waive our rights by delaying or failing to exercise them at any time. If any provision of this Agreement shall be determined to be invalid or unenforceable under any rule, Non-Profit Organizationlaw, Non-Corporate Organizationsor regulation of any governmental agency, Partnershipslocal, Estatesstate, Pension and Profit Sharing Plans (or federal, the validity or enforceability of any other provision of this Agreement shall not including IRAs and Employee Stock Ownership Plans) and other Trusts) account, you are liable for all unauthorized Transfers up be affected. This Agreement will be governed by the law of the State of Ohio except to the time at which you notify us or Clearing Firmextent governed by federal law.

Your Liability for Unauthorized Transfers. Please tell us AT ONCE if you believe your Visa Check Card, your Fidelity Bank credit card, or your PIN 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. You could lose all the entire value, including your available margin, of your Account through any unauthorized Transfer. Therefore, you should notify us or Clearing Firm at once if you believe a Transfer has occurred money in your Account without account, plus the maximum amount of any line of credit linked to your permission. Notifying us account (such as a Checking Reserve or Clearing Firm as soon as possible by telephone could minimize your possible lossesEquity Reserve account). If you notify believe your Visa Check Card has been lost or stolen, and you tell us or Clearing Firm within two (2) business days after you learn of the unauthorized Transferloss or theft, you can lose no more than $50.0050.00 for unauthorized transactions using your card. If you do not notify NOT tell us or Clearing Firm within two (2) business days after you learn of the unauthorized Transferloss or theft of your card, and we can prove that you we could have stopped someone from making the unauthorized Transfer using your card without your permission if you had notified us or Clearing Firmtold us, then you can lose as much as no more than $500.00500 for unauthorized transactions. Should Losses could include not only the money in your Account Statement show account, but also advances on any Transfer credit line associated with your account. Also, if your statement shows transfers that you did not authorizemake, please notify including those made by card, PIN or other means, tell us or Clearing Firm at once. If you do not notify tell us or Clearing Firm within sixty (60) 60 days after the Account Statement statement was mailedmailed to you, you may not get back any money you lost after the sixty (60) 60 days if we can prove that we could have stopped someone from taking the unauthorized Transfer money if you had notified told us or Clearing Firm in time. If a good reason (such as a long trip or a hospital stay) keeps kept you from notifying us or Clearing Firmtelling us, we may extend the time periods above may be extendedperiods. If Remember, if you maintain the confidentiality of your Account is an institutional (CorporationPIN, Non-Profit Organization, Non-Corporate Organizations, Partnerships, Estates, Pension and Profit Sharing Plans (it will reduce the possibility of the unauthorized use of your card. Do not including IRAs and Employee Stock Ownership Plans) and other Trusts) account, you are liable for all unauthorized Transfers up to the time at which you notify us write your PIN number on your card or Clearing Firmcredit card.

Your Liability for Unauthorized Transfers. You could lose the entire value, including your available margin, of your Account through any unauthorized Transfer. Therefore, you should notify us or Clearing Firm at once if you believe a Transfer has occurred in your Account without your permission. Notifying us or Clearing Firm as soon as possible by telephone could minimize your possible losses. If you notify tell us or Clearing Firm within two (2) business days Business Days after you learn of the unauthorized Transferdiscover your password or other means to access your account has been lost or stolen, you can lose your liability is no more than $50.0050.00 should someone access your account without your permission. If you do not notify tell us or Clearing Firm within two (2) business days Business Days after you learn of the unauthorized Transfersuch loss or theft, and we can prove that you we could have stopped someone from making prevented the unauthorized Transfer use of your password or other means to access your account if you had notified us or Clearing Firmtold us, then you can lose could be liable for as much as $500.00. Should If your Account Statement show any Transfer monthly financial institution statement contains transfers that you did not authorize, please notify you must tell us or Clearing Firm at once. If you do not notify tell us or Clearing Firm within sixty (60) days after the Account Statement statement was mailedsent to you, you may not get back lose any money you lost amount transferred without your authorization after the sixty (60) days if we can prove that we could have stopped someone from taking the unauthorized Transfer if money had you had notified told us or Clearing Firm in time. If a good reason (such as a long trip or a hospital stay) keeps prevented you from notifying us telling us, we may extend the period. Information Authorization. Your enrollment in the Service may not be fulfilled if we cannot verify your identity or Clearing Firmother necessary information. Through your enrollment in the Service, you agree that we and our Service Providers reserve the time periods above may be extendedright to request a review of your credit rating at our own expense through an authorized bureau. Service Cancellation, Termination, or Suspension by Us, and Other Remedies for Breach. If we have reason to believe that you have engaged in any of the prohibited activities described in this Agreement or have otherwise breached your Account is an institutional (Corporationobligations under this Agreement, Non-Profit Organizationwe may terminate, Non-Corporate Organizationssuspend or limit your access to or use of the Site or the Service; notify law enforcement, Partnershipsregulatory authorities, Estatesimpacted third parties, Pension and Profit Sharing Plans (not including IRAs and Employee Stock Ownership Plans) and other Trusts) accountothers as we deem appropriate; refuse to provide our services to you in the future; and/or take legal action against you. In addition, you are liable for all unauthorized Transfers up we, in our sole discretion, reserve the right to terminate this Agreement, access to the time Site, and/or use of the Service for any reason and at which you notify us any time. Neither termination nor suspension shall affect your liability or Clearing Firmobligations under this Agreement.

Your Liability for Unauthorized Transfers. You could lose the entire value, including your available margin, value of your Account through any unauthorized Transfer. Therefore, you should notify us or Clearing Firm at once if you believe a Transfer has occurred in your Account without your permission. Notifying us or Clearing Firm as soon as possible by telephone could minimize your possible losses. If you notify us or Clearing Firm within two (2) business days after you learn of the unauthorized Transfer, you can lose no more than the lesser of $50.0050.00 or the amount of the unauthorized Transfers. If you do not notify us or Clearing Firm within two (2) business days Business Days after you learn of the unauthorized Transfer, and we can prove that you we could have stopped someone from making the unauthorized Transfer if you had notified us or Clearing Firmus, then you can lose as much as the lesser of $500.00500.00 or the sum of $50.00 or the amount of the unauthorized Transfers that occur within the two (2) Business Days; and the amount of unauthorized Transfers that occur after the close of two (2) Business Days and before notice to us, provided we establish that these unauthorized Transfers would not have occurred had you notified us within that two- day period. Should your Advantage Account Statement statement show any Transfer that you did not authorize, please notify us or Clearing Firm at once. If you do not notify us or Clearing Firm within sixty (60) 60 days after the Account Statement statement was mailed, you may not get back any money you lost after the sixty (60) 60 days if we can prove that we could have stopped the unauthorized Transfer if you had notified us or Clearing Firm in time. If a good reason (such as a long trip or hospital stay) keeps you from notifying us or Clearing Firmus, the time periods above may be extended. If your Account is a "Commercial Account" (which is defined in this Advantage Agreement as an institutional (account for a Corporation, Non-Profit Nonprofit Organization, Non-Corporate OrganizationsNoncorporate Organization, Partnerships, Estates, Pension and Profit Sharing Plans ([not including IRAs and Employee Stock Ownership Plans) ] and other Trusts) accountTrust), you are liable for all unauthorized Transfers up to the time at which you notify us or Clearing Firmus.

Your Liability for Unauthorized Transfers. You could lose the entire value, including your available margin, of your Account through any unauthorized Transfer. Therefore, you should notify Contact us or Clearing Firm at once if you believe a Transfer your Card has occurred in been lost or stolen, or that someone has transferred or may transfer money from your Card Account without your permission. Notifying us or Clearing Firm as soon as possible by telephone could Telephoning is the best way to minimize your possible losses. You could lose all the money in your account. If you notify tell us or Clearing Firm within two (2) 2 business days after you learn of the unauthorized Transferloss or theft of your card, you can lose no more than $50.0050 if someone used your card without your permission. You can contact us by contacting Robinhood Customer Service. You can contact Robinhood Customer Service by calling (000) 000-0000 or writing to Robinhood at 00 Xxxxxx Xxxx, Xxxxx Xxxx, XX 00000. You can also contact Robinhood by visiting xxxxxxxxx.xxx/xxxxxxx. If you do not notify NOT tell us or Clearing Firm within two (2) 2 business days after you learn of the unauthorized Transferloss or theft of your Card, and we can prove that you we could have stopped someone from making the unauthorized Transfer using your Card without your permission if you had notified us or Clearing Firmtold us, then you can could lose as much as $500.00500. Should Also, if your Account Statement show any Transfer statement shows transactions that you did not authorizemake, please notify including those made by Card, code or other means, tell us or Clearing Firm at once. If you do not notify tell us or Clearing Firm within sixty (60) 60 days after of when the Account Statement statement was mailedmade available to you, you may not get back any money you lost after the sixty (60) 60 days if we can prove that we could have stopped someone from taking the unauthorized Transfer money if you had notified told us or Clearing Firm in time. If a good reason (such as a long trip or a hospital stay) keeps kept you from notifying us or Clearing Firmtelling us, we will extend the time periods above periods. Upon notice that your Card has been lost or stolen, we may be extendedsuspend or cancel your Card and send you a replacement Card at no charge. If In some cases, we may close your Card Account is an institutional to keep losses down. Upon your request, we may provide you with a replacement Card Account. Special Provisions for Card Transactions (Corporation, Non-Profit Organization, Non-Corporate Organizations, Partnerships, Estates, Pension and Profit Sharing Plans (not including IRAs and Employee Stock Ownership Plans) and other Trusts) accountMastercard Zero Liability Protection): Under the Card Network Rules, you are liable will not be held responsible for all unauthorized Transfers up to the time at which transactions if you exercise reasonable care in safeguarding your Card from loss, theft, or unauthorized use, and you notify us of such activity within two (2) business days. This reduced liability does not apply if (a) a PIN is used as the method of verification for a disputed transaction, or Clearing Firm(b) you have reported two (2) or more incidents of unauthorized use in the immediately preceding twelve (12) month period. If you notify us within (2) business days of any unauthorized transactions, you can lose no more than $50.00 if a person 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 a person from using your Card without your permission if you had promptly notified us, you could lose as much as $500.00.

Your Liability for Unauthorized Transfers. You could lose the entire value, including your available margin, of your Account through any unauthorized Transfer. Therefore, you should notify us or Clearing Firm at once if you believe a Transfer has occurred in your Account account without your permission. Notifying us or Clearing Firm as soon as possible by telephone could minimize your possible losses. If you notify us or Clearing Firm within two (2) business days after you learn of the unauthorized Transfer, you can lose no more than $50.00. If you do not notify us or Clearing Firm within two (2) business days after you learn of the unauthorized Transfer, and we can prove that you could have stopped someone from making the unauthorized Transfer if you had notified us or Clearing Firm, then you can lose as much as $500.00. Should your Account Statement show any Transfer that you did not authorize, please notify us or Clearing Firm at once. If you do not notify us or Clearing Firm within sixty (60) days after the Account Statement was mailed, you may not get back any money you lost after the sixty (60) days if we can prove that we could have stopped the unauthorized Transfer if you had notified us or Clearing Firm in time. If a good reason (such as a long trip or hospital stay) keeps you from notifying us or Clearing Firm, the time periods above may be extended. If your Account is an institutional (Corporation, Non-Profit Organization, Non-Corporate Organizations, Partnerships, Estates, Pension and Profit Sharing Plans (not including IRAs and Employee Stock Ownership Plans) and other Trusts) account, you are liable for all unauthorized Transfers up to the time at which you notify us or Clearing Firm.

Your Liability for Unauthorized Transfers. You could lose the entire value, including your available margin, of your Account through any unauthorized Transfer. Therefore, you should notify us or Clearing Firm at once if you believe a Transfer has occurred in your Account without your permission. Notifying us or Clearing Firm as soon as possible by telephone could minimize your possible losses. If you notify us or Clearing Firm tell the Credit Union within two (2) business days after you learn of the unauthorized Transferaccess to your account(s) and/or that your Prime Online Account Number and PIN has been lost, stolen or compromised, you can lose no more than $50.00. If you do not fail to notify us or Clearing Firm the credit union within two (2) business days after you learn of the unauthorized Transferaccess to your account(s) and/or that your Prime Online Account Number and PIN has been lost, stolen or compromised, and we can prove that we could have prevented the unauthorized access to your account(s), or use of your Prime Online Account Number and PIN had you notified us, you could have stopped someone from making the unauthorized Transfer if you had notified us or Clearing Firm, then you can lose as much as $500.00. Should If your Account Statement show monthly statement or your online account detail reflects any Transfer transfers or payments that you did not authorizemake, please notify tell us or Clearing Firm at once. If you do not notify tell us or Clearing Firm within sixty (60) days after the Account Statement first statement which reflected an unauthorized transfer(s) or payment(s) was mailedmailed to you, you may not get back any money you lost after the sixty (60) days if days, provided that we can prove that we could have stopped the unauthorized Transfer someone from taking money if you had notified told us or Clearing Firm in time. If Errors or Questions In case of errors or questions about your Prime Xxxx Pay transactions or if you need more information about a good reason transaction listed on the statement, contact via phone at 000.000.0000 (such toll free at 800.835.9680) or by mail at 0000 X. Xxxxxxx Ave., Cudahy, WI 53110. We must hear from you no later than sixty (60) days after we send the FIRST statement on which the problem or error appears. • Tell us your name and account number. • Describe the error or transaction in question and explain as a long trip clearly as possible why you believe it is an error or hospital stay) keeps why you from notifying need more information. • Tell us or Clearing Firm, the time periods above may be extendeddollar amount of the suspected error. If you tell us verbally, we may require that you send, and we receive, your Account complaint or question in writing within ten (10) business days. We will tell you the results of our investigation within ten (10) business days after we hear from you and will correct any error promptly. If additional time is an institutional (Corporationrequired, Non-Profit Organization, Non-Corporate Organizations, Partnerships, Estates, Pension and Profit Sharing Plans (not including IRAs and Employee Stock Ownership Plans) and other Trusts) account, you are liable for all unauthorized Transfers it may take up to forty-five (45) days to investigate your complaint or question. If so, your account will be adjusted within ten (10) business days for the time at which amount you notify us think is in error. If we ask you to put your complaint or Clearing Firmquestion in writing, and we do not receive it within ten (10) business days, we may not adjust your account. If we determine there was no error, we will send you a written explanation within three (3) business days after we finish the investigation. We may revoke any provisional credit provided to you if we find that an error did not occur. You may ask for copies of documents that we used in our investigation.

Your Liability for Unauthorized Transfers. You could lose the entire value, including your available margin, of your Account through any unauthorized Transfer. Therefore, you should notify must contact us or Clearing Firm immediately at once 0-000-000-0000 if you believe a Transfer the Card, PIN or Varo Bank Account number has occurred been stolen, compromised, or your account has been used without permission. Under Visa Core Rules, your liability for unauthorized Visa debit transactions on the Card is $0.00 if you are not negligent or fraudulent in your the handling of the Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa, or to anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us). You must notify us immediately of any unauthorized use. In the event that the Visa Zero Liability Rules do 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 the Varo Bank Account without your permission. Notifying us or Clearing Firm as soon as possible by telephone could minimize your possible losses. If you do not notify us or Clearing Firm within two (2) business days after you learn of the unauthorized Transferloss or theft of the Card, PIN, or Varo Bank Account number and we can prove that we could have stopped someone from using the Varo Bank Account without your permission if you had promptly notified us, you can could lose no more than as much as $50.00500.00. Also, if you become aware of and/or your statement shows transactions that you did not authorize, notify Xxxx at once following the procedures stated in the paragraph captioned "Information About Your Right to Dispute Errors". If you do not notify us or Clearing Firm within two (2) business days after you learn of the unauthorized Transfer, and we can prove that you could have stopped someone from making the unauthorized Transfer if you had notified us or Clearing Firm, then you can lose as much as $500.00. Should your Account Statement show any Transfer that you did not authorize, please notify us or Clearing Firm at once. If you do not notify us or Clearing Firm within sixty (60) days after you become aware of the Account Statement transaction(s) and/or the statement was mailedmade available to you, you may not get back any money of the value you lost after the sixty (60) days if we can prove that we someone could have been stopped the unauthorized Transfer from taking value if you had notified provided us or Clearing Firm notice in time. If a good reason (such as a long trip or a hospital stay) keeps kept you from notifying us or Clearing Firmtelling us, we will extend the time periods above may be extendedperiods. If your Card, PIN or Varo Bank Account is an institutional (Corporationnumber has been lost, Nonstolen or compromised, we will de-Profit Organization, Non-Corporate Organizations, Partnerships, Estates, Pension activate the Card and/or Varo Bank Account to prevent further transactions from occurring and Profit Sharing Plans (not including IRAs and Employee Stock Ownership Plans) and send you a replacement Card and/or Varo Bank Account number. If your Varo Bank Account number changes you must immediately notify your employer or any other Trusts) account, you are liable for all unauthorized Transfers up payors or merchants. You must provide them with the new Varo Bank Account number to the time at which you notify us or Clearing Firmensure your direct deposit and/or ACH Debit activity continues uninterrupted.

Your Liability for Unauthorized Transfers. You could lose the entire value, including your available margin, of your Account through any unauthorized Transfer. Therefore, you should notify Contact us or Clearing Firm at once if you believe a Transfer your Card has occurred in your Account without your permissionbeen lost or stolen. Notifying us or Clearing Firm as soon as possible by telephone could Telephoning is the best way to minimize your possible losses. If you believe your Card has been lost or stolen, or that someone has transferred or may transfer money from your Card Account without your permission, call 000-000-0000 or visit xxx.xxxx.xxx. Under Visa Core Rules, your liability for unauthorized Visa debit transactions on your Card Account is $0.00 if you are not negligent or fraudulent in the handling of your Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa, or to anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us). You must notify us or Clearing Firm immediately of any unauthorized use. In the event the Visa Zero Liability Rules do 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 unauthorized Transfer, you can lose no more than $50.00. If you do not notify us loss or Clearing Firm within two (2) business days after you learn theft of the unauthorized Transfer, your Card and we can prove that you we could have stopped someone from making the unauthorized Transfer using your Card without your permission if you had promptly notified us or Clearing Firmus, then you can could lose as much as $500.00. Should Also, if you become aware of and/or your Account Statement show any Transfer statement shows transactions that you did not authorizemake, please notify us or Clearing Firm at once. once following the procedures stated in the paragraph labeled “Information About Your Right to Dispute Errors.” If you do not notify us or Clearing Firm within sixty (60) days after you become aware of the Account Statement transaction and/or after the [statement/transaction history] was mailedmade available to you, you may not get back any money value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the unauthorized Transfer value if you had notified us or Clearing Firm in time. If a good reason (such as a long trip or a hospital stay) keeps kept you from notifying us or Clearing Firmtelling us, we will extend the time periods above may be extendedperiods. If your Card has been lost or stolen, we will close your Card Account to keep losses down and will send a replacement card. There is an institutional (Corporationa fee for replacing your Card. For information about the fee, Non-Profit Organization, Non-Corporate Organizations, Partnerships, Estates, Pension and Profit Sharing Plans (not including IRAs and Employee Stock Ownership Plans) and other Trusts) account, you are liable for all unauthorized Transfers up to see the time at which you notify us or Clearing Firmsection labeled “Fee Schedule.”

Your Liability for Unauthorized Transfers. You could lose the entire value, including your available margin, of your Account through any unauthorized Transfer. Therefore, you should notify Contact us or Clearing Firm at once if you believe a Transfer your Card has occurred in your Account without your permissionbeen lost or stolen. Notifying us or Clearing Firm as soon as possible by telephone could Telephoning is the best way to minimize your possible losses. If you believe your Card has been lost or stolen, or that someone has transferred or may transfer money from your Card Account without your permission, call 000-000-0000 or visit xxx.xxxx.xxx. 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 or Clearing Firm 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 unauthorized Transfer, you can lose no more than $50.00. If you do not notify us loss or Clearing Firm within two (2) business days after you learn theft of the unauthorized Transfer, your Card and we can prove that you we could have stopped someone from making the unauthorized Transfer using your Card without your permission if you had promptly notified us or Clearing Firmus, then you can could lose as much as $500.00. Should Also, if you become aware of and/or your Account Statement show any Transfer statement shows transactions that you did not authorizemake, please notify us or Clearing Firm at once. once following the procedures stated in the paragraph labeled “Information About Your Right to Dispute Errors.” If you do not notify us or Clearing Firm within sixty (60) days after you become aware of the Account Statement transaction and/or after the transaction history was mailedmade available to you, you may not get back any money value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the unauthorized Transfer value if you had notified us or Clearing Firm in time. If a good reason (such as a long trip or a hospital stay) keeps kept you from notifying us or Clearing Firmtelling us, we will extend the time periods above may be extendedperiods. If your Card has been lost or stolen, we will close your Card Account is an institutional (Corporation, Non-Profit Organization, Non-Corporate Organizations, Partnerships, Estates, Pension to keep losses down and Profit Sharing Plans (not including IRAs and Employee Stock Ownership Plans) and other Trusts) account, you are liable for all unauthorized Transfers up to the time at which you notify us or Clearing Firmwill send a replacement card.

Your Liability for Unauthorized Transfers. You could lose the entire value, including your available margin, of your Account through any unauthorized Transfer. Therefore, you should notify Tell us or Clearing Firm at once AT ONCE if you believe a Transfer your Card, Card Account number or PIN has occurred in been lost or stolen or funds have been transferred from your Account without your permission. Notifying us or Clearing Firm as soon as possible by telephone You could lose all the money in your Account. Telephoning is the best way to minimize your possible losses. You may call us at 000-000-0000. If you notify tell us within two business days after you learn of the loss or Clearing Firm theft of your Card, Card Account number or PIN, you can lose no more than $50 if someone used your Card, Card Account number or PIN without your permission. If you do NOT tell us within two (2) business days after you learn of the unauthorized Transferloss or theft of your Card, PIN or Account number, and we can prove we could have stopped someone from using your Card, PIN, or Account number without your permission if you had told us, you can could lose no more than as much as $50.00500. Also, if your online (electronic) or written transaction history shows transactions that you did not make, notify us at once following the procedures stated in the paragraph labeled “Your Right to Dispute Errors.” If you do not notify us or Clearing Firm within two (2) business days after you learn of the unauthorized Transfer, and we can prove that you could have stopped someone from making the unauthorized Transfer if you had notified us or Clearing Firm, then you can lose as much as $500.00. Should your Account Statement show any Transfer that you did not authorize, please notify us or Clearing Firm at once. If you do not notify us or Clearing Firm in writing within sixty (60) days after the you: (i) you electronically access your Account Statement was mailedinformation or (ii) we provide you with a written history of your Account transactions,, you may not get back any money value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the unauthorized Transfer value if you had notified us or Clearing Firm in time. If a good reason (such as a long trip or a hospital stay) keeps kept you from notifying us or Clearing Firmtelling us, we will extend the time periods above periods. Mastercard® Limitation of Liability - Guidelines and Limitations: In addition to your limitations of liability under the Your Liability for Unauthorized Transfers section above, your liability for the unauthorized use of your Card Account may also be extendedlimited by Mastercard. Subject to the limitations and exclusions stated below, under the Mastercard rules, you will have no liability for a transaction that was not authorized by you if: 1) your Card was registered and your identity verified; and 2) you exercised reasonable care in safeguarding the Card from risk of loss or theft, and, upon becoming aware of such loss or theft, promptly reported such loss or theft to us by calling our Client Support number. The Mastercard Limitation of Liability Policy is subject to change without notice and changes made by Mastercard will automatically apply to your Card Account. If your Account is an institutional (Corporation, Non-Profit Organization, Non-Corporate Organizations, Partnerships, Estates, Pension and Profit Sharing Plans (not including IRAs and Employee Stock Ownership Plans) and other Trusts) account, you are liable for all unauthorized Transfers up to the time at which you Card or Card number has been lost or stolen please notify us immediately and we will inactive your Card and send you a replacement Card at no charge. In some cases, we may close your Card Account or Clearing FirmCard Sub-Account to keep losses down. Upon your request, we may provide you with a replacement Card Account or Card Sub-Account.

Your Liability for Unauthorized Transfers. You could lose the entire value, including your available margin, If you believe any of your Account through any unauthorized Transfer. ThereforeAccess Codes has been lost or stolen, you should notify us or Clearing Firm and change your password immediately. Tell us at once if you believe a Transfer your statement, account or transaction information, or security information has occurred been lost, stolen, or compromised. Contacting us by phone is the best way of keeping your possible losses down. You could lose all the money in your Account without account, as well as your permission. Notifying us or Clearing Firm as soon as possible by telephone could minimize your possible lossesmaximum overdraft limit, if applicable. If you notify tell us or Clearing Firm within two (2) business days after you learn of the unauthorized Transferdays, you can lose no more than $50.0050.00 if someone used your security information without your permission. If you do not notify tell us or Clearing Firm within two (2) business days after you learn of the unauthorized Transferloss or theft of your security information, and we can prove that you we could have stopped someone from making the unauthorized Transfer using your security information without your permission if you had notified us or Clearing Firmus, then you can could lose as much as $500.00. Should If your Account Statement show any Transfer statement shows transfers that you did not authorizemake, please notify tell us or Clearing Firm at once. If you we do not notify us or Clearing Firm receive notification from you within sixty (60) calendar days after the Account Statement was mailedstatement date, you may not get back be entitled to any money type of account re-credit for lost funds. We will tell you lost the results of our investigation within ten business days after the sixty (60) days if we can prove that we could have stopped the unauthorized Transfer if you had notified us or Clearing Firm in timehear from you, and will correct any error promptly. If we need more time, however, we may take up to forty-five calendar days to investigate your complaint or question. If we determine we need this extra time, we will provisionally credit your account within ten business days for the amount you think is in error. You will have the use of 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 ten business days, we may not provisionally credit your account. If we decide that there was no error, we will send you a good reason (such as a long trip or hospital stay) keeps you from notifying us or Clearing Firmwritten explanation within three business days after we finish our investigation. You may ask for copies of the documents we used in our investigation. Security of Website While the credit union has taken all necessary and optional precautions to ensure the security and safety of its website and the Internet Banking Service, the time periods above may credit union does not guarantee that downloads from the site will be extendedfree of any viruses or other destructive devices. If your Account is an institutional (Corporation, Non-Profit Organization, Non-Corporate Organizations, Partnerships, Estates, Pension and Profit Sharing Plans (not including IRAs and Employee Stock Ownership Plans) and other Trusts) accountAdditionally, you are liable for all unauthorized Transfers up to provide, request, and receive information from the time at which you notify us or Clearing Firmsite with the knowledge that such information can be intercepted and/or viewed by unknown third parties.

Your Liability for Unauthorized Transfers. You could lose must contact us immediately via the entire valueApp (if available), including your available margin, of your Account through any unauthorized Transfer. Therefore, you should notify or by calling us or Clearing Firm at once 0-000-000-0000 if you believe a Transfer the Card, PIN, or Bank Account number has occurred been stolen, compromised, or your Bank Account has been used without permission. Under Visa Core Rules, your liability for unauthorized Visa debit transactions on the Card is $0.00 if you are not negligent or fraudulent in your the handling of the Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa, or to anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us). You must notify us immediately of any unauthorized use. In the event that the Visa Zero Liability Rules do 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 the Bank Account without your permission. Notifying us or Clearing Firm as soon as possible by telephone could minimize your possible losses. If you do not notify us or Clearing Firm within two (2) business days after you learn of the unauthorized Transfer, you can lose no more than $50.00. If you do not notify us loss or Clearing Firm within two (2) business days after you learn theft of the unauthorized TransferCard, PIN, or Bank Account number and we can prove that you we could have stopped someone from making using the unauthorized Transfer Bank Account without your permission if you had promptly notified us or Clearing Firmus, then you can could lose as much as $500.00. Should Also, if you become aware of and/or your Account Statement show any Transfer statement shows transactions that you did not authorize, please notify us or Clearing Firm Xxxx at once. once following the procedures stated in the paragraph captioned "Information About Your Right to Dispute Errors." If you do not notify us or Clearing Firm within sixty (60) days after you become aware of the Account Statement transaction(s) and/or the statement was mailedmade available to you, you may not get back any money of the value you lost after the sixty (60) days if we can prove that we someone could have been stopped the unauthorized Transfer from taking value if you had notified provided us or Clearing Firm notice in time. If a good reason (such as a long trip or a hospital stay) keeps kept you from notifying us or Clearing Firmtelling us, we may extend the time periods above may be extendedperiods. If your Card, PIN, or Bank Account is an institutional (Corporationnumber has been lost, Non-Profit Organizationstolen, Non-Corporate Organizationsor compromised, Partnerships, Estates, Pension we will deactivate the Card and/or Bank Account to prevent further transactions from occurring and Profit Sharing Plans (not including IRAs and Employee Stock Ownership Plans) and other Trusts) account, send you are liable for all unauthorized Transfers up to the time at which you notify us or Clearing Firma replacement Card and/or Bank Account Number.

Your Liability for Unauthorized Transfers. You could lose the entire value, including ‌ If you permit other persons to use Payments and Transfers or your available margin, of your Account through any unauthorized Transfer. ThereforePassword, you should are responsible for any transactions they authorize from your accounts. If you believe that your Password has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, notify us AT ONCE, by calling 0-000-000-0000 or Clearing Firm writing us at once Online Customer Service, P. O. Xxx 0000, Xxxxxxx, XX 00000-0000. Tell us AT ONCE if you believe a Transfer your Password has occurred in been lost or stolen or that an unauthorized online transfer has been made from any of your Account without your permissiondeposit or prepaid accounts. Notifying Telephoning us or Clearing Firm as soon as possible by telephone could minimize is the best and fastest way of keeping your possible losseslosses to a minimum. If you notify do not do so, you could lose all the money in each of the accounts, as well as all of the available funds in any overdraft protection account or any other credit line included among your accounts. If you tell us or Clearing Firm within two (2) business days Business Days after you learn of discover the unauthorized Transferloss or theft, you can lose no more than $50.00are completely covered if someone makes a transfer without your authorization. If you do not notify tell us or Clearing Firm within two (2) business days Business Days after you learn discover the loss or theft of the your Password or that an unauthorized Transferonline transfer has been made from any of your deposit or prepaid accounts, and we can prove that you we could have stopped someone from making the unauthorized Transfer a transfer without your authorization if you had notified us or Clearing Firmtold us, then you can could lose as much as $500.00500. Should your Account Statement show Furthermore, if any Transfer account statement shows online transfers that you did not authorizemake, please notify tell us or Clearing Firm at onceAT ONCE. If you do not notify tell us or Clearing Firm within sixty (60) days after the Account Statement a statement showing such a transfer was mailedtransmitted to you, you may not get back any money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the unauthorized Transfer money if you had notified told us or Clearing Firm in time. If a good reason (reason, such as a long trip or hospital stay) keeps , kept you from notifying us or Clearing Firmtelling us, we will extend the time periods above may be extended. If your Account is an institutional (Corporation, Non-Profit Organization, Non-Corporate Organizations, Partnerships, Estates, Pension and Profit Sharing Plans (not including IRAs and Employee Stock Ownership Plans) and other Trusts) account, you are liable for all unauthorized Transfers up to the time at which you notify us or Clearing Firmperiods.

Your Liability for Unauthorized Transfers. You could lose the entire value, including your available margin, of your Account through any unauthorized Transfer. Therefore, you should notify us or Clearing Firm at once if you believe a Transfer has occurred in your Account without your permission. Notifying us or Clearing Firm as soon as possible by telephone could minimize your possible losses. If you notify tell us or Clearing Firm within two (2) business days Business Days after you learn of the unauthorized Transferdiscover your password or other means to access your account has been lost or stolen, you can lose your liability is no more than $50.0050.00 should someone access your account without your permission. If you do not notify tell us or Clearing Firm within two (2) business days Business Days after you learn of the unauthorized Transfersuch loss or theft, and we can prove that you we could have stopped someone from making prevented the unauthorized Transfer use of your password or other means to access your account if you had notified us or Clearing Firmtold us, then you can lose could be liable for as much as $500.00. Should If your Account Statement show any Transfer monthly financial institution statement contains transfers that you did not authorize, please notify you must tell us or Clearing Firm at once. If you do not notify tell us or Clearing Firm within sixty (60) days after the Account Statement statement was mailedsent to you, you may not get back lose any money you lost amount transferred without your authorization after the sixty (60) days if we can prove that we could have stopped someone from taking the unauthorized Transfer if money had you had notified told us or Clearing Firm in time. If a good reason (such as a long trip or a hospital stay) keeps prevented you from notifying us telling us, we may extend the period. Information Authorization. Your enrollment in the Service may not be fulfilled if we cannot verify your identity or Clearing Firmother necessary information. Service Cancellation, the time periods above may be extendedTermination, or Suspension by Us, and Other Remedies for Breach. If we have reason to believe that you have engaged in any of the prohibited activities described in this Agreement or have otherwise breached your Account is an institutional (Corporationobligations under this Agreement, Non-Profit Organizationwe may terminate, Non-Corporate Organizationssuspend or limit your access to or use of the Site or the Service; notify law enforcement, Partnershipsregulatory authorities, Estatesimpacted third parties, Pension and Profit Sharing Plans (not including IRAs and Employee Stock Ownership Plans) and other Trusts) accountothers as we deem appropriate; refuse to provide our services to you in the future; and/or take legal action against you. In addition, you are liable for all unauthorized Transfers up we, in our sole discretion, reserve the right to terminate this Agreement, access to the time Site, and/or use of the Service for any reason and at which you notify us any time. Neither termination nor suspension shall affect your liability or Clearing Firmobligations under this Agreement.

Your Liability for Unauthorized Transfers. You could lose the entire value, including Immediately following your available margin, discovery of your Account through any an unauthorized Transfer. ThereforePayment Instruction, you should notify us or Clearing Firm at once if you believe a Transfer has occurred shall communicate with Client Services in your Account without your permissionthe manner set forth in Section 11 (Notices to Us Regarding the Zelle and Other Payment Services) above. Notifying us or Clearing Firm as soon as possible by telephone could You acknowledge and agree that time is of the essence in such situations. The best way to minimize your possible lossesloss is to call us immediately. If You will have no liability for unauthorized transactions if you notify us or Clearing Firm within two sixty (260) business days after you learn of your monthly financial institution statement which shows the unauthorized Transfer, you can lose no more than $50.00transaction has been sent to you. If you do not notify tell us or Clearing Firm within two (2) business days after you learn of the unauthorized Transfer, and we can prove that you could have stopped someone from making the unauthorized Transfer if you had notified us or Clearing Firm, then you can lose as much as $500.00. Should your Account Statement show any Transfer that you did not authorize, please notify us or Clearing Firm at once. If you do not notify us or Clearing Firm within sixty (60) days after the Account Statement statement was mailedsent to you, you may not get back lose any money you lost amount transferred without your authorization after the sixty (60) days if we can prove establish that we could have stopped someone from taking the unauthorized Transfer if money had you had notified told us or Clearing Firm in time. If a good reason (such as a long trip or a hospital stay) keeps prevented you from notifying us telling us, we may in our sole discretion extend the period. When you give someone your password or Clearing Firm, other means to access your account through which you access the time periods above may be extended. If your Account is an institutional (Corporation, Non-Profit Organization, Non-Corporate Organizations, Partnerships, Estates, Pension Zelle and Profit Sharing Plans (not including IRAs and Employee Stock Ownership Plans) and other Trusts) accountOther Payment Services, you are liable authorizing that person to use your service, and you are responsible for all unauthorized Transfers up transactions that person performs while using your service. All transactions that person performs, even those transactions you did not intend or want performed, are authorized transactions. Additionally, transactions that you or someone acting with you initiates with fraudulent intent are also authorized transactions. Note: These liability rules are established by Regulation E, which implements the federal Electronic Fund Transfer Act and does not apply to the time at which you notify us or Clearing Firmbusiness accounts. THE ZELLE PAYMENT SERVICE IS INTENDED FOR SENDING MONEY TO FAMILY, FRIENDS AND OTHERS WHOM YOU TRUST. YOU SHOULD NOT USE ZELLE TO SEND MONEY TO PERSONS WITH WHOM YOU ARE NOT FAMILIAR OR YOU DO NOT TRUST. ZELLE DOES NOT OFFER A PROTECTION PROGRAM FOR AUTHORIZED PAYMENTS MADE THROUGH THE ZELLE PAYMENT SERVICE (FOR EXAMPLE, IF YOU DO NOT RECEIVE THE GOODS OR SERVICES THAT YOU PAID FOR, OR THE GOODS OR SERVICES THAT YOU RECEIVED ARE DAMAGED OR ARE OTHERWISE NOT WHAT YOU EXPECTED).

Your Liability for Unauthorized Transfers. You could lose the entire value, including your available margin, of your Account through any unauthorized Transfer. Therefore, you should notify must contact us or Clearing Firm immediately at once 0-000-000-0000 if you believe a Transfer the Card, PIN or Varo Bank Account number has occurred been stolen, compromised, or your account has been used without permission. Under Visa Core Rules, your liability for unauthorized Visa debit transactions on the Card is $0.00 if you are not negligent or fraudulent in your the handling of the Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa, or to anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us). You must notify us immediately of any unauthorized use. In the event that the Visa Zero Liability Rules do 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 the Varo Bank Account without your permission. Notifying us or Clearing Firm as soon as possible by telephone could minimize your possible losses. If you do not notify us or Clearing Firm within two (2) business days after you learn of the unauthorized Transferloss or theft of the Card, PIN, or Varo Bank Account number and we can prove that we could have stopped someone from using the Varo Bank Account without your permission if you had promptly notified us, you can could lose no more than as much as $50.00500.00. Also, if you become aware of and/or your statement shows transactions that you did not authorize, notify Xxxx at once following the procedures stated in the paragraph captioned "Information About Your Right to Dispute Errors". If you do not notify us or Clearing Firm within two (2) business days after you learn of the unauthorized Transfer, and we can prove that you could have stopped someone from making the unauthorized Transfer if you had notified us or Clearing Firm, then you can lose as much as $500.00. Should your Account Statement show any Transfer that you did not authorize, please notify us or Clearing Firm at once. If you do not notify us or Clearing Firm within sixty (60) days after you become aware of the Account Statement transaction(s) and/or the statement was mailedmade available to you, you may not get back any money of the value you lost after the sixty (60) days if we can prove that we someone could have been stopped the unauthorized Transfer from taking value if you had notified provided us or Clearing Firm notice in time. If a good reason (such as a long trip or a hospital stay) keeps kept you from notifying us or Clearing Firmtelling us, we will extend the time periods above may be extendedperiods. If your Card, PIN or Varo Bank Account is an institutional (Corporationnumber has been lost, Non-Profit Organizationstolen or compromised, Non-Corporate Organizations, Partnerships, Estates, Pension we will deactivate the Card and/or Varo Bank Account to prevent further transactions from occurring and Profit Sharing Plans (not including IRAs and Employee Stock Ownership Plans) and send you a replacement Card and/or Varo Bank Account Number. If your Varo Bank Account number changes you must immediately notify your employer or any other Trusts) account, you are liable for all unauthorized Transfers up payors or merchants. You must provide them with the new Varo Bank Account number to the time at which you notify us or Clearing Firmensure your direct deposit and/or ACH Debit activity continues uninterrupted.

Your Liability for Unauthorized Transfers. You could lose the entire value, including If you disclose your available margin, of your Account through any unauthorized Transfer. Thereforepassword to anyone, you should notify assume all risks and losses associated with such disclosu re. You are responsible for all transactions you authorize using the Service, as well as transactions authorized by any party to whom you have disclosed your password. Tell us or Clearing Firm at once AT ONCE if you believe a Transfer your password has occurred in your Account been lost or stolen, or if you believe that an electronic funds transfer has been made without your permission. Notifying us or Clearing Firm as soon as possible by telephone could minimize Telephoning is the best way of keeping your possible losseslosses down. You could lose all of the money in your account (plus your maximum overdraft line of credit). Your liability for an unauthorized electronic funds transfer or a series of related unauthorized electronic funds transfers will be determined as follows: • If you notify tell us or Clearing Firm within two (2) business days Business Days after you learn of the unauthorized Transferloss or theft of your password, you can lose no more than $50.0050 if someone used your password without your permission . If you do not notify NOT tell us or Clearing Firm within two (2) business days Business Days after you learn of the unauthorized Transferloss or theft of your password, and we can prove that you we could have stopped someone from making the unauthorized Transfer using your password without your permission if you had notified us or Clearing Firmtold us, then you can could lose as much as $500.00500. Should • Also, if your Account Statement show any Transfer periodic statement shows transfers that you did not authorizemake, please notify including those made by using your password, tell us or Clearing Firm at once. If you do not notify tell us or Clearing Firm within sixty (60) 60 days after the Account Statement statement was mailedmade available or transmitted to you, you may not get back any money you lost after the sixty (60) 60 days if we can prove that we could have stopped the unauthorized Transfer someone from taking your money if you had notified told us or Clearing Firm in on time. • If a good reason (such as a long trip or a hospital stay) keeps kept you from notifying us or Clearing Firmtelling us, we may extend the time periods above periods. You may be extended. If your Account is an institutional (Corporation, Non-Profit Organization, Non-Corporate Organizations, Partnerships, Estates, Pension and Profit Sharing Plans (not including IRAs and Employee Stock Ownership Plans) and other Trusts) account, you are liable for all unauthorized Transfers up to the time at which you notify us by telephone by calling (000) 000-0000. You may also notify us in person by visiting one of our branches or Clearing Firmnotify us in writing at BCU, 000 X. Xxxxxxxxx Xxxxxx, Xxxxxx Xxxxx, XX 00000.

Your Liability for Unauthorized Transfers. You could lose agree to take all the entire value, including necessary steps to protect your available margin, of Card. You may immediately block or suspend any activity on your Account Card through any unauthorized Transferthe App. Therefore, you should notify us or Clearing Firm at once if you believe a Transfer your Card has occurred in been lost or stolen, or should you wish to do so to keep your Card safe. If you believe your Card has been lost or stolen, or that someone has transferred or may transfer money from your Card Account without your permission, call us at the Customer Service number above. Notifying us When you use your registered Personalized prepaid Mastercard, you're protected against unauthorized transactions. As a Mastercard cardholder, Zero Liability applies to your purchases made in the store, over the telephone, online, or Clearing Firm as soon as possible by telephone could minimize via a mobile device. As a cardholder, you will not be held responsible for unauthorized transactions if: you have used reasonable care in protecting your possible lossescard from loss or theft; and you promptly reported loss or theft to us. If you believe there has been unauthorized use of your account and you meet the conditions above, rest easy knowing you have the protection of Mastercard’s Zero Liability promise. For additional protections with respect to unauthorized transactions, please contact us at1(800) 000 0000. Note: Zero Liability does not apply to unregistered prepaid cards, such as the Purewrist GO Starter Card. Also, if you become aware of and/or your statement shows transactions that you did not make, notify us or Clearing Firm within two (2) business days after you learn of at once following the unauthorized Transfer, you can lose no more than $50.00. procedures stated in the paragraph labeled “Your Right to Dispute Errors.” If you do not notify us or Clearing Firm within two (2) business days after you learn of the unauthorized Transfer, and we can prove that you could have stopped someone from making the unauthorized Transfer if you had notified us or Clearing Firm, then you can lose as much as $500.00. Should your Account Statement show any Transfer that you did not authorize, please notify us or Clearing Firm at once. If you do not notify us or Clearing Firm in writing within sixty (60) days after you become aware of the Account Statement transaction and/or after the statement was mailedmade available to you, you may not get back any money value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the unauthorized Transfer value if you had notified us in time and you are grossly negligent or Clearing Firm fraudulent in timethe handling of your Card. If a good reason (such as a long trip or a hospital stay) keeps kept you from notifying us or Clearing Firmtelling us, we will extend the time periods above may be extendedperiods. If your Account is an institutional (Corporation, Non-Profit Organization, Non-Corporate Organizations, Partnerships, Estates, Pension and Profit Sharing Plans (not including IRAs and Employee Stock Ownership Plans) and other Trusts) account, you are liable for all unauthorized Transfers up to the time at which you Card has been lost or stolen please notify us or Clearing Firmimmediately and we will inactive your Card and send you a replacement Card. In some cases, we may close your Card Account to keep losses down. Upon your request, we may provide you with a replacement Card Account.

Your Liability for Unauthorized Transfers. You could lose the entire value, including If you are unable to find your available margin, of your Account through any unauthorized Transfer. ThereforeCard, you should notify may put a security hold on your Card so no money can be spent or cash withdrawn while you look for it. Click “Card Lock” from the Privacy page in the AnyDay Mobile Application. Contact us or Clearing Firm at once if you believe a Transfer your Card has occurred in been lost or stolen. If you believe your Card has been lost or stolen, or that someone has transferred or may transfer money from your Card Account without your permission, call us at 1-(877)- 000-0000. Notifying Under Discover Operating Regulations, your liability for unauthorized Discover transactions on your Card Account is $0.00 if you notify us within two (2) business days and you are not grossly negligent or Clearing Firm as soon as possible fraudulent in the handling of your Card. This reduced liability does not apply to PIN transactions not processed by telephone could minimize your possible lossesDiscover or to ATM cash withdrawals. If you notify us or Clearing Firm within two (2) business days 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 unauthorized Transferloss 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 can could lose no more than as much as $50.00500.00. Also, if you become aware of and/or your statement shows transactions that you did not make, notify us at once following the procedures stated in the paragraph labeled “Your Right to Dispute Errors”. If you do not notify us or Clearing Firm within two (2) business days after you learn of the unauthorized Transfer, and we can prove that you could have stopped someone from making the unauthorized Transfer if you had notified us or Clearing Firm, then you can lose as much as $500.00. Should your Account Statement show any Transfer that you did not authorize, please notify us or Clearing Firm at once. If you do not notify us or Clearing Firm in writing within sixty (60) days after you become aware of the Account Statement transaction and/or after the statement was mailedmade available to you, you may not get back any money value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the unauthorized Transfer value if you had notified us in time and you are grossly negligent or Clearing Firm fraudulent in timethe handling of your Card. If a good reason (such as a long trip or a hospital stay) keeps kept you from notifying us or Clearing Firmtelling us, we will extend the time periods above may be extendedperiods. If your Card has been lost or stolen, we will close your Card Account is an institutional (Corporationto keep losses down. To obtain a replacement card, Noncall 0-(000)-000-Profit Organization, Non-Corporate Organizations, Partnerships, Estates, Pension and Profit Sharing Plans (not including IRAs and Employee Stock Ownership Plans) and other Trusts) account, you are liable for all unauthorized Transfers up to the time at which you notify us or Clearing Firm0000.

Your Liability for Unauthorized Transfers. You could lose the entire value, including Immediately following your available margin, discovery of your Account through any an unauthorized Transfer. ThereforePayment Instruction, you should notify us or Clearing Firm at once if you believe a Transfer has occurred shall communicate with customer care for the Service in your Account without your permissionthe manner set forth in Section 6 of the General Terms above. Notifying us or Clearing Firm as soon as possible by telephone could minimize your possible lossesYou acknowledge and agree that time is of the essence in such situations. If you notify tell us or Clearing Firm within two (2) business days Business Days after you learn of discover your password or other means to access your account through which you access the unauthorized TransferService has been lost or stolen, you can lose your liability is no more than $50.0050 should someone access your account without your permission. If you do not notify tell us or Clearing Firm within two (2) business days Business Days after you learn of the unauthorized Transfer, such loss or theft and we can prove that you we could have stopped someone from making prevented the unauthorized Transfer use of your password or other means to access your account if you had notified us or Clearing Firmtold us, then you can lose could be liable for as much as $500.00500. Should If your Account Statement show any Transfer monthly statement contains payments that you did not authorize, please notify you must tell us or Clearing Firm at once. If you do not notify tell us or Clearing Firm within sixty (60) days after the Account Statement statement was mailedsent to you, you may not get back lose any money you lost amount transferred without your authorization after the sixty (60) days if we can prove that we could have stopped someone from taking the unauthorized Transfer if money had you had notified told us or Clearing Firm in time. If a good reason (such as a long trip or a hospital stay) keeps prevented you from notifying us or Clearing Firmtelling us, we may in our sole discretion extend the period. To the extent that this Agreement applies to business customers, the time periods above following terms apply in lieu of the foregoing: BUSINESS CUSTOMER LIABILITY Tell us AT ONCE if you believe your password has been lost, stolen, or compromised, or that someone has transferred or may transfer money from your account without your permission. You should immediately contact us as indicated in Section 6 above. Please note that transactions initiated by someone to whom you have given your password are not considered unauthorized transactions. Telephoning us is the best way of minimizing your possible losses. You could lose all the money in the account linked to Online Banking, plus your maximum overdraft line of credit (if applicable). You will continue to be extended. If your Account is an institutional (Corporation, Non-Profit Organization, Non-Corporate Organizations, Partnerships, Estates, Pension and Profit Sharing Plans (not including IRAs and Employee Stock Ownership Plans) and other Trusts) account, you are liable for all unauthorized Transfers up transfers and transactions initiated by use of the Services until you change your password or you request us to the time at which do so and we change your password. If you fail to notify us that your password has been lost or Clearing Firmstolen, you could lose all of the money in your accounts. You further agree that we will not be liable for consequential damages arising from the unauthorized use of the Services that access your accounts.

Your Liability for Unauthorized Transfers. You could lose the entire value, including your available margin, of your Account through any unauthorized Transfer. Therefore, you should notify us or Clearing Firm at once if you believe a Transfer has occurred in your Account without your permission. Notifying us or Clearing Firm as soon as possible by telephone could minimize your possible losses. If you notify us or Clearing Firm tell GHS FCU within two (2) business days Business Days after you learn of the unauthorized Transferaccess to your account(s) and/or that your GHS FCU Internet Home Banking Account Number and Password has been lost, stolen or compromised, you can lose no more than $50.00. If you do not fail to notify us or Clearing Firm GHS FCU within two (2) business days Business Days after you learn of the unauthorized Transferaccess to your account(s) and/or that your GHS FCU Internet Home Banking Account Number and Password has been lost, stolen or compromised, and we can prove that we could have prevented the unauthorized access to your account(s), or use of your GHS FCU Internet Home Banking Account Number and Password had you notified us, you could have stopped someone from making the unauthorized Transfer if you had notified us or Clearing Firm, then you can lose as much as $500.00. Should If your Account Statement show monthly statement or your online account detail reflect any Transfer transfers or payments that you did not authorizemake, please notify tell us or Clearing Firm at once. If you do not notify tell us or Clearing Firm within sixty (60) days after the Account Statement first statement which reflected an unauthorized transfer(s) or payment(s) was mailedmailed to you, you may not get back any money you lost after the sixty (60) days if 60 days, provided that we can prove that we could have stopped the unauthorized Transfer someone from taking money if you had notified told us or Clearing Firm in time. ERRORS AND QUESTIONS Telephone us as soon as you can if you think your statement or receipt is wrong or if you need more information about a transfer 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. Your inquiry must include: • Your name and account number • A description of the error or the transfer you are unsure about and an explanation of why you believe it is an error or why you need more information • The dollar amount of the suspected error • The date of occurrence If a good reason you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will generally tell you the results of our investigation within 10 business days of the receipt of your complaint or question (such as a long trip or hospital stay) keeps you from notifying us or Clearing Firm, 20 business days if the time periods above may be extendedtransaction involved an account opened within the past 30 days). If your Account is an institutional (Corporationwe need more time, Non-Profit Organizationhowever, Non-Corporate Organizations, Partnerships, Estates, Pension and Profit Sharing Plans (not including IRAs and Employee Stock Ownership Plans) and other Trusts) account, you are liable for all unauthorized Transfers we may take up to 45 days. If we decide there was no error, we will send you a written explanation within three business days after we finish our investigation. You may ask for copies of the time at which you notify us or Clearing Firmdocuments that we used in our investigation.

Your Liability for Unauthorized Transfers. You could lose the entire value, including your available margin, of your Account through any unauthorized Transfer. Therefore, you should notify Tell us or Clearing Firm at once AT ONCE if you believe a Transfer your Card or Access Information has occurred in your Account been lost or stolen or if you believe that an electronic funds transfer has been made without your permission. Notifying Telephoning us or Clearing Firm as soon as possible by telephone could at 0.000.000.0000 is the best way to minimize your possible losses. You could lose all the money in your Card Account. You agree that any unauthorized use does not include use by a person to whom you have given authority to use or access your Card Account or Access Information and that you will be liable for all such uses and funds transfers by such person(s). If you notify tell us or Clearing Firm within two (2) business days after you learn of the unauthorized Transferloss or theft of your Card or Access Information, you can lose no more than $50.0050 if someone used your Card or Access Information without your permission. If you do not notify NOT tell us or Clearing Firm within two (2) business days after you learn of the unauthorized Transfer, loss or theft of your Card or Access Information and we can prove that you we could have stopped someone from making the unauthorized Transfer using your Card or Access Information without your permission if you had notified told us or Clearing Firmwithin this time frame, then you can could lose as much as $500.00500 if someone used your Card or Access Information without your permission. Should Also, if your Account Statement show any Transfer electronic history shows transactions that you did not authorizemake, please notify including those made by Card, Access Information, or by other means, tell us or Clearing Firm at onceAT ONCE. If you do not notify tell us or Clearing Firm within sixty (60) 120 days after the Account Statement alleged unauthorized transfer was mailedcredited or debited to your Card Account, you may not get back any money you lost after the sixty (60) days this period if we can prove that we could have stopped someone from taking the unauthorized Transfer money if you had notified told us or Clearing Firm in time. If a good reason (such as a long trip or a hospital stay) keeps kept you from notifying us or Clearing Firmlearning of the unauthorized transaction and telling us, we will extend the time periods above may be extended. If your Account is an institutional (Corporation, Non-Profit Organization, Non-Corporate Organizations, Partnerships, Estates, Pension and Profit Sharing Plans (not including IRAs and Employee Stock Ownership Plans) and other Trusts) account, you are liable for all unauthorized Transfers up to the time at which you notify us or Clearing Firma reasonable period in our sole discretion.

Your Liability for Unauthorized Transfers. You could lose the entire value, including your available margin, of your Account through any unauthorized Transfer. Therefore, you should notify Contact us or Clearing Firm at once if you believe a Transfer the Card, PIN or Varo Bank Account number has occurred in your Account without your permissionbeen stolen or compromised. Notifying us or Clearing Firm as soon as possible by telephone could Telephoning is the best way to minimize your possible losses. If the Card, PIN or Varo Bank Account number has been lost, stolen or compromised, or you suspect that someone has transferred or may transfer money from from the Varo Bank Account without your permission, call 0-000-000-0000. Under Visa Core Rules, your liability for unauthorized Visa debit transactions on the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa, or to anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us). You must notify us immediately of any unauthorized use. In the event that the Visa Zero Liability Rules do not apply, if you notify us or Clearing Firm within two (2) business days after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used the Varo Bank Account without your permission. If you do not notify us within two (2) business days after you learn of the unauthorized Transferloss or theft of the Card, PIN, or Varo Bank Account number and we can prove that we could have stopped someone the Varo Bank Account without your permission if you had promptly notified us, you can could lose no more than as much as $50.00500.00. Also, if you become aware of and/or your statement shows transactions that you did not make, notify Varo at once following the procedures stated in the paragraph captioned "Information About Your Right to Dispute Errors". If you do not notify us or Clearing Firm within two (2) business days after you learn of the unauthorized Transfer, and we can prove that you could have stopped someone from making the unauthorized Transfer if you had notified us or Clearing Firm, then you can lose as much as $500.00. Should your Account Statement show any Transfer that you did not authorize, please notify us or Clearing Firm at once. If you do not notify us or Clearing Firm within sixty (60) days after you become aware of the Account Statement transaction(s) and/or the statement was mailedmade available to you, you may not get back any money of the value you lost after the sixty (60) days if we can prove that we someone could have been stopped the unauthorized Transfer from taking value if you had notified provided us or Clearing Firm notice in time. If a good reason (such as a long trip or a hospital stay) keeps kept you from notifying us or Clearing Firmtelling us, we will extend the time periods above may be extendedperiods. If the Card, PIN or Varo Bank Account number has been lost, stolen or compromised, we will de-activate the Card and/or Varo Bank Account to keep losses down and send you a replacement Card and/or Varo Bank Account number. If the Varo Bank Account number changes you must immediately notify your employer or any other payors or merchants. You must provide them with the new Varo Bank Account is an institutional (Corporation, Non-Profit Organization, Non-Corporate Organizations, Partnerships, Estates, Pension and Profit Sharing Plans (not including IRAs and Employee Stock Ownership Plans) and other Trusts) account, you are liable for all unauthorized Transfers up number to the time at which you notify us or Clearing Firmensure your direct deposit and/or ACH Debit activity continues uninterrupted.

Your Liability for Unauthorized Transfers. You could lose the entire value, including your available margin, of your Account through any unauthorized Transfer. Therefore, you should notify us or Clearing Firm at once if you believe a Transfer has occurred in your Account without your permission. Notifying us or Clearing Firm as soon as possible by telephone could minimize your possible losses. If you notify tell us or Clearing Firm within two (2) business days Business Days after you learn of the unauthorized Transferdiscover your Log-in Credentials or other means to access your account has been lost or stolen, you can lose your liability is no more than $50.0050.00 should someone access your account without your permission. If you do not notify tell us or Clearing Firm within two (2) business days Business Days after you learn of the unauthorized Transfersuch loss or theft, and we can prove that you we could have stopped someone from making prevented the unauthorized Transfer use of your password or other means to access your account if you had notified us or Clearing Firmtold us, then you can lose could be liable for as much as $500.00. Should If your Account Statement show any Transfer monthly financial institution statement contains transfers that you did not authorize, please notify you must tell us or Clearing Firm at once. If you do not notify tell us or Clearing Firm within sixty (60) days after the Account Statement statement was mailedsent to you, you may not get back lose any money you lost amount transferred without your authorization after the sixty (60) days if we can prove that we could have stopped someone from taking the unauthorized Transfer if money had you had notified told us or Clearing Firm in time. If a good reason (such as a long trip or a hospital stay) keeps prevented you from notifying telling us, we may extend the period. Errors and Questions In case of errors or questions about your transactions, you should as soon as possible notify us via one of the following: • Telephone us at (000) 000-0000 during Customer Service hours; • Contact us by using the application’s e-messaging feature; and/or, • Write us at: Stifel Bank ATTN: Deposit Operations One Financial Plaza 000 Xxxxx Xxxxxxxx St. Louis, Missouri 63102 If you think your statement is incorrect or Clearing Firmyou need more information about a Service transaction listed on the statement, we must hear from you no later than sixty (60) days after the time periods above may be extendedFIRST statement was sent to you on which the problem or error appears. You must: • Tell us your name and Service account number; • Describe the error or the transaction in question, and explain as clearly as possible why you believe it is an error or why you need more information; and, • Tell us the dollar amount of the suspected error. If you tell us verbally, we may require that you send your Account is an institutional complaint in writing within ten (Corporation10) Business Days after your verbal notification. We will tell you the results of our investigation within ten (10) Business Days after we hear from you, Non-Profit Organizationand will correct any error promptly. However, Non-Corporate Organizationsif we require more time to confirm the nature of your complaint or question, Partnerships, Estates, Pension and Profit Sharing Plans (not including IRAs and Employee Stock Ownership Plans) and other Trusts) account, you are liable for all unauthorized Transfers we reserve the right to take up to forty-five (45) days to complete our investigation. If we decide to do this, we will provisionally credit your Payment Account within ten (10) Business Days for the time at which amount you notify us think is in error. If we ask you to submit your complaint or Clearing Firmquestion in writing and we do not receive it within ten (10) Business Days, we may not provisionally credit your Payment Account. If it is determined there was no error we will mail you a written explanation within three (3) Business Days after completion of our investigation. You may ask for copies of documents used in our investigation. The Service may revoke any provisional credit provided to you if we find an error did not occur.

Your Liability for Unauthorized Transfers. You could lose the entire value, including your available margin, of your Account through any unauthorized Transfer. Therefore, you should notify us or First Clearing Firm ("Clearing Firm") at once if you believe a Transfer has occurred in your Account account without your permission. Notifying us or Clearing Firm as soon as possible by telephone could minimize your possible losses. If you notify us or Clearing Firm within two (2) business days after you learn of the unauthorized Transfer, you can lose no more than $50.00. If you do not notify us or Clearing Firm within two (2) business days after you learn of the unauthorized Transfer, and we can prove that you could have stopped someone from making the unauthorized Transfer if you had notified us or Clearing Firm, then you can lose as much as $500.00. Should your Account Statement show any Transfer that you did not authorize, please notify us or Clearing Firm at once. If you do not notify us or Clearing Firm within sixty (60) days after the Account Statement was mailed, you may not get back any money you lost after the sixty (60) days if we can prove that we could have stopped the unauthorized Transfer if you had notified us or Clearing Firm in time. If a good reason (such as a long trip or hospital stay) keeps you from notifying us or Clearing Firm, the time periods above may be extended. If your Account is an institutional (Corporation, Non-Non- Profit Organization, Non-Corporate Organizations, Partnerships, Estates, Pension and Profit Sharing Plans (not including IRAs and Employee Stock Ownership Plans) and other Trusts) Trusts)‌‌‌‌‌‌ account, you are liable for all unauthorized Transfers up to the time at which you notify us or Clearing Firm.

Your Liability for Unauthorized Transfers. You could lose If you permit other persons to use the entire value, including Service or your available margin, of your Account through any unauthorized Transfer. ThereforePassword, you should are responsible for any transactions they authorize from your accounts. If you believe that your Password has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, notify us AT ONCE, by calling 0-000-000-0000 (X.X. Xxxxxx Online clients only call 0-000-000-0000) or Clearing Firm writing us at once Online Customer Service, P. O. Box 2558, Houston, TX 77252-9968.. For Consumer Deposit Accounts and Chase Liquid Cards Only: Tell us AT ONCE if you believe a Transfer your Password has occurred in been lost or stolen or that an unauthorized online transfer has been made from any of your Account without your permissiondeposit accounts or Chase Liquid Cards. Notifying Telephoning us or Clearing Firm as soon as possible by telephone could minimize is the best and fastest way of keeping your possible losseslosses to a minimum. If you notify do not do so, you could lose all the money in each of the accounts, as well as all of the available funds in any overdraft protection account or any other credit line included among your accounts. If you tell us or Clearing Firm within two (2) business days Business Days after you learn of discover the unauthorized Transferloss or theft, you can lose no more than $50.00are completely covered if someone makes a transfer without your authorization. If you do not notify tell us or Clearing Firm within two (2) business days Business Days after you learn discover the loss or theft of the your Password or that an unauthorized Transferonline transfer has been made from any of your deposit accounts or Chase Liquid Cards, and we can prove that you we could have stopped someone from making the unauthorized Transfer a transfer without your authorization if you had notified us or Clearing Firmtold us, then you can could lose as much as $500.00500. Should your Account Statement show Furthermore, if any Transfer account statement shows online transfers that you did not authorizemake, please notify tell us or Clearing Firm at onceAT ONCE. If you do not notify tell us or Clearing Firm within sixty (60) days for a transfer from a Chase Account after the Account Statement a Chase statement showing such a transfer was mailedtransmitted, you may not get back any money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the unauthorized Transfer money if you had notified told us or Clearing Firm in time. If a good reason (reason, such as a long trip or hospital stay) keeps , kept you from notifying us or Clearing Firmtelling us, we will extend the time periods above may be extended. If your Account is an institutional (Corporation, Non-Profit Organization, Non-Corporate Organizations, Partnerships, Estates, Pension and Profit Sharing Plans (not including IRAs and Employee Stock Ownership Plans) and other Trusts) account, you are liable for all unauthorized Transfers up to the time at which you notify us or Clearing Firmperiods.

Your Liability for Unauthorized Transfers. You could lose the entire value, including If you are unable to find your available margin, of your Account through any unauthorized Transfer. ThereforeCard, you should notify may put a security hold on your Card so no money can be spent or cash withdrawn while you look for it. Click “Card Lock” from the Privacy page in the AnyDay Mobile Application. Contact us or Clearing Firm at once if you believe a Transfer your Card has occurred in been lost or stolen. If you believe your Card has been lost or stolen, or that someone has transferred or may transfer money from your Card Account without your permission, call us at 1-(877)- 000-0000. Notifying Under Mastercard Operating Regulations, your liability for unauthorized Mastercard transactions on your Card Account is $0.00 if you notify us within two (2) business days and you are not grossly negligent or Clearing Firm as soon as possible fraudulent in the handling of your Card. This reduced liability does not apply to PIN transactions not processed by telephone could minimize your possible lossesMastercard or to ATM cash withdrawals. If you notify us or Clearing Firm within two (2) business days 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 unauthorized Transferloss 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 can could lose no more than as much as $50.00500.00. Also, if you become aware of and/or your statement shows transactions that you did not make, notify us at once following the procedures stated in the paragraph labeled “Your Right to Dispute Errors”. If you do not notify us or Clearing Firm within two (2) business days after you learn of the unauthorized Transfer, and we can prove that you could have stopped someone from making the unauthorized Transfer if you had notified us or Clearing Firm, then you can lose as much as $500.00. Should your Account Statement show any Transfer that you did not authorize, please notify us or Clearing Firm at once. If you do not notify us or Clearing Firm in writing within sixty (60) days after you become aware of the Account Statement transaction and/or after the statement was mailedmade available to you, you may not get back any money value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the unauthorized Transfer value if you had notified us in time and you are grossly negligent or Clearing Firm fraudulent in timethe handling of your Card. If a good reason (such as a long trip or a hospital stay) keeps kept you from notifying us or Clearing Firmtelling us, we will extend the time periods above may be extendedperiods. If your Card has been lost or stolen, we will close your Card Account is an institutional (Corporationto keep losses down. To obtain a replacement card, Noncall 0-(000)-000-Profit Organization, Non-Corporate Organizations, Partnerships, Estates, Pension and Profit Sharing Plans (not including IRAs and Employee Stock Ownership Plans) and other Trusts) account, you are liable for all unauthorized Transfers up to the time at which you notify us or Clearing Firm0000.

Your Liability for Unauthorized Transfers. You could lose If you permit other persons to use the entire value, including PTPP Service or your available margin, of your Account through any unauthorized Transfer. ThereforePassword, you should are responsible for any transactions they authorize from your accounts. If you believe that your Password has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, notify us AT ONCE, by e-mailing us at xxxxxxxxxxxxxx@xxxxxxxx.xxx or Clearing Firm at once by calling (000) 000-0000. For Consumer Deposit Accounts: Tell us AT ONCE if you believe a Transfer your Password has occurred in been lost or stolen or that an unauthorized online transfer has been made from any of your Account without your permissiondeposit accounts. Notifying Telephoning us or Clearing Firm as soon as possible by telephone could minimize is the best and fastest way of keeping your possible losseslosses to a minimum. If you notify do not do so, you could lose all the money in each of the accounts, as well as all of the available funds in any overdraft protection account or any other credit line included among your accounts. If you tell us or Clearing Firm within two (2) business days Business Days after you learn of discover the unauthorized Transferloss or theft, you can lose no more than $50.00are completely covered if someone makes a transfer without your authorization. If you do not notify tell us or Clearing Firm within two (2) business days Business Days after you learn discover the loss or theft of the your Password or that an unauthorized Transferonline transfer has been made from any of your deposit accounts, and we can prove that you we could have stopped someone from making the unauthorized Transfer a transfer without your authorization if you had notified us or Clearing Firmtold us, then you can could lose as much as $500.00500. Should your Account Statement show Furthermore, if any Transfer account statement shows online transfers that you did not authorizemake, please notify tell us or Clearing Firm at onceAT ONCE. If you do not notify tell us or Clearing Firm within sixty (60) days for a transfer from a Pacific Crest Account after the Account Statement a Pacific Crest statement showing such a transfer was mailedtransmitted, you may not get back any money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the unauthorized Transfer money if you had notified told us or Clearing Firm in time. If a good reason (reason, such as a long trip or hospital stay) keeps , kept you from notifying us or Clearing Firmtelling us, we may extend the time periods above may be extended. If your Account is an institutional (Corporation, Non-Profit Organization, Non-Corporate Organizations, Partnerships, Estates, Pension and Profit Sharing Plans (not including IRAs and Employee Stock Ownership Plans) and other Trusts) account, you are liable for all unauthorized Transfers up to the time at which you notify us or Clearing Firmperiods.

Your Liability for Unauthorized Transfers. Tell us AT ONCE if you believe your password has been lost or stolen or that an unauthorized online transfer has been made from any of your deposit accounts. Telephoning us is the best and fastest way of keeping your possible losses to a minimum. You could lose all the entire valuemoney in your Account(s), including (plus your available marginmaximum overdraft Line of Credit, of your Account through any unauthorized Transfer. Therefore, you should notify us or Clearing Firm at once if you believe a Transfer has occurred in your Account without your permission. Notifying us or Clearing Firm as soon as possible by telephone could minimize your possible losseshave one with us). If you notify tell us or Clearing Firm within two (2) business days after you learn of discover the unauthorized Transferloss or theft, you can lose may be liable for no more than $50.0050, if someone accesses your Account without your permission. If you do not notify tell us or Clearing Firm within two (2) business days after you learn discover the loss or theft of the your password or that an unauthorized Transferonline transfer has been made from any of your deposit Accounts, and we can prove that you we could have stopped someone from making the unauthorized Transfer a transfer without your authorization if you had notified us or Clearing Firmtold us, then you can could lose as much as $500.00500. Should your Furthermore, if any Account Statement show any Transfer statement shows online transfers that you did not authorizemake, please notify tell us or Clearing Firm at onceAT ONCE. If you do not notify tell us or Clearing Firm within sixty (60) days for a transfer from your Account after the Account Statement a statement showing such a transfer was mailedtransmitted, you may not get back any money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the unauthorized Transfer money if you had notified told us or Clearing Firm in time. If your delay in notifying the Credit Union was due to extenuating circumstances, we shall extend the times above to a good reason (such as a long trip or hospital stay) keeps you from notifying us or Clearing Firm, the time periods above may be extendedreasonable period. If you have authorized someone else to use of your Account is an institutional password (Corporation, Non-Profit Organization, Non-Corporate Organizations, Partnerships, Estates, Pension and Profit Sharing Plans (not including IRAs and Employee Stock Ownership Plans) and other Trusts) either expressly or through your actions on your account), you are liable responsible for all transactions that person or persons initiates at any time, even if the amount or transactions exceed what you may have authorized. For full details regarding your liability for unauthorized Transfers up transactions, refer to the time our Electronic Funds Transfer Agreement and Disclosure section of our Terms and Conditions disclosure. This disclosure may be found on our website at which you notify us or Clearing Firmwww. xxxxxxxxxx.xxx/Xxxxx/Xxxxxxxxx/Xxxxxxxxxxx.

Your Liability for Unauthorized Transfers. You could lose the entire valuemust notify us immediately if you believe that an unauthorized electronic fund transfer from your Account has occurred, including your available margin, of or if you believe that one may occur because access to your Account through any unauthorized Transfer. Therefore, you should notify us your NinjaCard® or Clearing Firm at once if you believe a Transfer has occurred in your Account Portal login information may no longer be secure and may be used without your permission. Notifying us through the Portal or Clearing Firm as soon as possible by telephone could minimize our customer service number, 000-000-0000 (855-NINJA42), is the best way of reducing your possible losses. If you notify do not tell us about an unauthorized fund transfer or Clearing Firm fail to tell us that access to your Account may no longer be secure, you could lose all of the money in your Account. If you provide us with notification, your liability will be limited as follows: ● If you tell us within two (2) business days after you learn of the unauthorized Transferthat access to your Account may no longer be secure, you can lose are responsible for no more than fifty dollars ($50.00) for unauthorized transfers out of your Account. If you do not notify NOT tell us or Clearing Firm within two (2) business days after you learn of the unauthorized Transferthat access to your Account may no longer be secure, and we can prove that you we could have stopped someone from making the unauthorized Transfer accessing your Account without your permission if you had notified us or Clearing Firmtold us, then you can lose as much as are responsible for up to five hundred dollars ($500.00500). Should ● If your Account Statement show any Transfer statement shows electronic fund transfers that you did not authorizemake, please notify us or Clearing Firm at onceright away. If you do not notify tell us or Clearing Firm within sixty (60) days after the Account Statement statement was mailedprovided to you, you may not get back any money you lost after the sixty (60) days days, if we can prove that we could have stopped someone from taking the unauthorized Transfer money if you had notified told us within that time period. At our discretion, we may extend this time period. HOW TO CONTACT US To contact us with a question about an electronic fund transfer, to report an error with an electronic fund transfer, to tell us about an unauthorized transfer, or Clearing Firm in time. If a good reason (such as a long trip or hospital stay) keeps you from notifying to tell us or Clearing Firm, the time periods above may be extended. If that access to your Account is an institutional may no longer be secure, visit us at xxx.xxxxxxxxx.xxx, call us at 000-000-0000 (Corporation855- NINJA42), Non-Profit Organizationor email us at xxxxxxx@xxxxxxxxx.xxx. BUSINESS DAYS Our business days are Monday through Friday, Non-Corporate Organizations, Partnerships, Estates, Pension and Profit Sharing Plans (not including IRAs and Employee Stock Ownership Plans) and other Trusts) account, you are liable for all unauthorized Transfers up to the time at which you notify us or Clearing Firmexcluding Utah banking holidays.

Your Liability for Unauthorized Transfers. You could lose the entire value, including If you permit other persons to use Payments and Transfers or your available margin, of your Account through any unauthorized Transfer. ThereforePassword, you should are responsible for any transactions they authorize from your accounts. If you believe that your Password has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, notify us AT ONCE, by calling 0-000-000-0000 or Clearing Firm writing us at once Online Customer Service, P. O. Box 2558, Houston, TX 77252-9968. Tell us AT ONCE if you believe a Transfer your Password has occurred in been lost or stolen or that an unauthorized online transfer has been made from any of your Account without your permissiondeposit or prepaid accounts. Notifying Telephoning us or Clearing Firm as soon as possible by telephone could minimize is the best and fastest way of keeping your possible losseslosses to a minimum. If you notify do not do so, you could lose all the money in each of the accounts, as well as all of the available funds in any overdraft protection account or any other credit line included among your accounts. If you tell us or Clearing Firm within two (2) business days Business Days after you learn of discover the unauthorized Transferloss or theft, you can lose no more than $50.00are completely covered if someone makes a transfer without your authorization. If you do not notify tell us or Clearing Firm within two (2) business days Business Days after you learn discover the loss or theft of the your Password or that an unauthorized Transferonline transfer has been made from any of your deposit or prepaid accounts, and we can prove that you we could have stopped someone from making the unauthorized Transfer a transfer without your authorization if you had notified us or Clearing Firmtold us, then you can could lose as much as $500.00. Should your Account Statement show 500.Furthermore, if any Transfer account statement shows online transfers that you did not authorizemake, please notify tell us or Clearing Firm at onceAT ONCE. If you do not notify tell us or Clearing Firm within sixty (60) days after the Account Statement a statement showing such a transfer was mailedtransmitted to you, you may not get back any money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the unauthorized Transfer money if you had notified told us or Clearing Firm in time. If a good reason (reason, such as a long trip or hospital stay) keeps , kept you from notifying us or Clearing Firmtelling us, we will extend the time periods above may be extended. If your Account is an institutional (Corporation, Non-Profit Organization, Non-Corporate Organizations, Partnerships, Estates, Pension and Profit Sharing Plans (not including IRAs and Employee Stock Ownership Plans) and other Trusts) account, you are liable for all unauthorized Transfers up periods.Back to the time at which you notify us or Clearing Firm.top

Your Liability for Unauthorized Transfers. You could lose the entire value, including Immediately following your available margin, discovery of your Account through any an unauthorized Transfer. ThereforePayment Instruction, you should notify shall contact us or Clearing Firm at once if you believe a Transfer has occurred 000-000-0000. You acknowledge and agree that time is of the essence in your Account without your permissionsuch situations. Notifying us or Clearing Firm as soon as possible by telephone could minimize your possible losses. Applicable to PERSONAL Purpose account types only: If you notify tell us or Clearing Firm within two (2) business days Business Days after you learn of discover your password or other means to access your account through which you access the unauthorized TransferService has been lost or stolen, you can lose your liability is no more than $50.0050.00 should someone access your account without your permission. If you do not notify tell us or Clearing Firm within two (2) business days Business Days after you learn of the unauthorized Transfersuch loss or theft, and we can prove that you we could have stopped someone from making prevented the unauthorized Transfer use of your password or other means to access your account if you had notified us or Clearing Firmtold us, then you can lose could be liable for as much as $500.00. Should If your Account Statement show any Transfer monthly financial institution statement contains payments that you did not authorize, please notify you must tell us or Clearing Firm at once. If you do not notify tell us or Clearing Firm within sixty (60) days after the Account Statement statement was mailedsent to you, you may not get back lose any money you lost amount transferred without your authorization after the sixty (60) days if we can prove that we could have stopped someone from taking the unauthorized Transfer if money had you had notified told us or Clearing Firm in time. If a good reason (such as a long trip or a hospital stay) keeps prevented you from notifying us or Clearing Firmtelling us, we will extend the time periods specified above may to a reasonable period. Applicable to BUSINESS Purpose account types only: Except as otherwise required by law, we shall only be extended. If your Account is an institutional (Corporation, Non-Profit Organization, Non-Corporate Organizations, Partnerships, Estates, Pension and Profit Sharing Plans (not including IRAs and Employee Stock Ownership Plans) and other Trusts) account, you are liable for our own gross negligence and willful misconduct and shall not be responsible for any loss or damage arising from or in connection with (a) any inaccuracy, act or failure to act on the part of any person not within our reasonable control or (b) any error, failure or delay in execution of any transfer resulting from circumstances beyond our reasonable control, including, but not limited to, any inoperability of communication facilities, system delays in effecting account postings, or other operational delays. You agree to promptly examine all unauthorized Transfers up periodic statements of your accounts affected by transfers and any confirmation of transfers that we or other banks may send or make available to the time at which you you, and to promptly notify us of any discrepancy within thirty (30) days of receipt of any periodic statement or Clearing Firmconfirmation. We shall not be liable for any loss or damage arising from or in connection with any transfer reflected on such periodic statement.

Your Liability for Unauthorized Transfers. You could lose the entire value, including your available margin, of your Account through any unauthorized Transfer. Therefore, you should notify us or Clearing Firm Contact Trureal at once if you believe a Transfer your Card has occurred in your Account without your permissionbeen lost or stolen. Notifying us or Clearing Firm as soon as possible by telephone could Telephoning is the best way to minimize your possible losses. If you believe your Card has been lost or stolen, or that someone has transferred or may transfer money from your Card Account without your permission, call Card Service immediately. If you notify us or Clearing Firm within two (2) business days, you can lose no more than $50 if someone used your Card without your permission. If you do not notify us within two (2) business days after you learn of the unauthorized Transfer, you can lose no more than $50.00. If you do not notify us loss or Clearing Firm within two (2) business days after you learn theft of the unauthorized Transfer, your Card and we can prove that you we could have stopped someone from making the unauthorized Transfer using your Card without your permission if you had promptly notified us or Clearing Firmus, then you can could lose as much as $500.00500. Should Under Visa Inc Bylaws and Rules, your liability for unauthorized Visa transactions on your Card Account Statement show any Transfer is $0 if you notify us promptly and you exercise reasonable care in safeguarding your Card from loss, theft, or unauthorized use. This reduced liability does not apply if a PIN is used as the method of verification for a disputed transaction or you have reported two (2) or more incidents of unauthorized use in the immediately preceding twelve (12) month period. Also, if you become aware of and/or your statement shows transactions that you did not authorizemake, please notify us or Clearing Firm at once. If you do not notify us or Clearing Firm within sixty (60) days after you become aware of the Account Statement transaction and/or after the statement was mailedmade available to you, you may not get back any money value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the unauthorized Transfer value if you had notified us in time and you are grossly negligent or Clearing Firm fraudulent in time. If a good reason (such as a long trip or hospital stay) keeps you from notifying us or Clearing Firm, the time periods above may be extendedhandling of your Card. If your Card has been lost or stolen, we will close your Card Account is an institutional (Corporation, Non-Profit Organization, Non-Corporate Organizations, Partnerships, Estates, Pension and Profit Sharing Plans (not including IRAs and Employee Stock Ownership Plans) and other Trusts) account, you are liable for all unauthorized Transfers up to the time at which you notify us or Clearing Firm.keep losses down

Your Liability for Unauthorized Transfers. You could lose must contact us immediately via the entire value, including your available margin, of your Account through any unauthorized Transfer. Therefore, you should notify App (if available) or by calling us or Clearing Firm at once 0-000-000-0000 if you believe a Transfer the Card, PIN, or Bank Account number has occurred been stolen, compromised, or your Bank Account has been used without permission. Under Visa Core Rules, your liability for unauthorized Visa debit transactions on the Card is $0.00 if you are not negligent or fraudulent in your the handling of the Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa, or to anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us). You must notify us immediately of any unauthorized use. In the event that the Visa Zero Liability Rules do 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 the Bank Account without your permission. Notifying us or Clearing Firm as soon as possible by telephone could minimize your possible losses. If you do not notify us or Clearing Firm within two (2) business days after you learn of the unauthorized Transfer, you can lose no more than $50.00. If you do not notify us loss or Clearing Firm within two (2) business days after you learn theft of the unauthorized TransferCard, PIN, or Bank Account number and we can prove that you we could have stopped someone from making using the unauthorized Transfer Bank Account without your permission if you had promptly notified us or Clearing Firmus, then you can could lose as much as $500.00. Should Also, if you become aware of and/or your Account Statement show any Transfer statement shows transactions that you did not authorize, please notify us or Clearing Firm Xxxx at once. once following the procedures stated in the paragraph captioned "Information About Your Right to Dispute Errors." If you do not notify us or Clearing Firm within sixty (60) days after you become aware of the Account Statement transaction(s) and/or the statement was mailedmade available to you, you may not get back any money of the value you lost after the sixty (60) days if we can prove that we someone could have been stopped the unauthorized Transfer from taking value if you had notified provided us or Clearing Firm notice in time. If a good reason (such as a long trip or a hospital stay) keeps kept you from notifying us or Clearing Firmtelling us, we may extend the time periods above may be extendedperiods. If your Card, PIN, or Bank Account is an institutional (Corporationnumber has been lost, Non-Profit Organizationstolen, Non-Corporate Organizationsor compromised, Partnerships, Estates, Pension we will deactivate the Card and/or Bank Account to prevent further transactions from occurring and Profit Sharing Plans (not including IRAs and Employee Stock Ownership Plans) and other Trusts) account, send you are liable for all unauthorized Transfers up to the time at which you notify us or Clearing Firma replacement Card and/or Bank Account Number.

Your Liability for Unauthorized Transfers. You could lose the entire value, including your available margin, of your Account through any unauthorized Transfer. Therefore, you should notify us or Clearing Firm Contact SpotOn at once if you believe a Transfer your Card has occurred in your Account been lost or stolen, or if you believe that an electronic fund transfer has been made without your permissionpermission using information from your check. Notifying us or Clearing Firm as soon as possible by telephone could Telephoning is the best way to minimize your possible losses. Please call SpotOn at the Customer Service number above. You could lose all the money in your account. If you notify us or Clearing Firm tell SpotOn within two (2) business days after you learn of the unauthorized Transferloss or theft of your card, you can lose no more than $50.0050 if someone used your card without your permission. If you do not notify us or Clearing Firm tell SpotOn within two (2) business days after you learn of the unauthorized Transferloss or theft of your card, and we can prove that you we could have stopped someone from making the unauthorized Transfer using your card without your permission if you had notified us or Clearing Firmtold SpotOn, then you can could lose as much as $500.00500. Should If you believe your Card has been lost or stolen, or that someone has transferred or may transfer money from your Card Account Statement show any Transfer without your permission, call SpotOn at the Customer Service number above. Also, if you become aware of and/or your statement shows transactions that you did not authorizemake, please notify us or Clearing Firm SpotOn at once. once following the procedures stated in the paragraph labeled “Your Right to Dispute Errors.” If you do not notify us or Clearing Firm SpotOn in writing within sixty (60) days after you become aware of the Account Statement transaction and/or after the statement was mailedmade available to you, you may not get back any money value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the unauthorized Transfer value if you had notified us SpotOn in time and you are grossly negligent or Clearing Firm fraudulent in timethe handling of your Card. If a good reason (such as a long trip or a hospital stay) keeps kept you from notifying us or Clearing Firmtelling SpotOn, we will extend the time periods above may be extendedperiods. If your Card has been lost or stolen please notify SpotOn immediately and we will deactivate your Card and send you a replacement Card at no charge. In some cases, we or SpotOn may close your Card Account is an institutional (Corporationto keep losses down. Upon your request, Non-Profit Organization, Non-Corporate Organizations, Partnerships, Estates, Pension and Profit Sharing Plans (not including IRAs and Employee Stock Ownership Plans) and other Trusts) account, we may provide you are liable for all unauthorized Transfers up to the time at which you notify us or Clearing Firmwith a replacement Card Account.

Your Liability for Unauthorized Transfers. You could lose the entire value, including your available margin, of your Account through any unauthorized Transfer. Therefore, you should notify Contact us or Clearing Firm at once if you believe a Transfer your Card has occurred in your Account without your permissionbeen lost or stolen. Notifying us or Clearing Firm as soon as possible by telephone could Telephoning is the best way to minimize your possible losses. If you believe your Card has been lost or stolen, or that someone has transferred or may transfer money from your Card Account without your permission, call 0-000-000-0000. Under Visa Core Rules, your liability for unauthorized Visa debit transactions on your Card Account is $0.00 if you are not negligent or fraudulent in the handling of your Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa, or to anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us). You must notify us or Clearing Firm immediately of any unauthorized use. In the event the Visa Zero Liability Rules do 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 unauthorized Transfer, you can lose no more than $50.00. If you do not notify us loss or Clearing Firm within two (2) business days after you learn theft of the unauthorized Transfer, your Card and we can prove that you we could have stopped someone from making the unauthorized Transfer using your Card without your permission if you had promptly notified us or Clearing Firmus, then you can could lose as much as $500.00. Should Also, if you become aware of and/or your Account Statement show any Transfer statement shows transactions that you did not authorizemake, please notify us or Clearing Firm at once. once following the procedures stated in the paragraph labeled “Information About Your Right to Dispute Errors.” If you do not notify us or Clearing Firm within sixty (60) days after you become aware of the Account Statement transaction and/or after the statement was mailedmade available to you, you may not get back any money value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the unauthorized Transfer value if you had notified us or Clearing Firm in time. If a good reason (such as a long trip or a hospital stay) keeps kept you from notifying us or Clearing Firmtelling us, we will extend the time periods above may be extendedperiods. If your Card has been lost or stolen, we will close your Card Account to keep losses down and will send a replacement card. There is an institutional (Corporationa fee for replacing your Card. For information about the fee, Non-Profit Organization, Non-Corporate Organizations, Partnerships, Estates, Pension and Profit Sharing Plans (not including IRAs and Employee Stock Ownership Plans) and other Trusts) account, you are liable for all unauthorized Transfers up to see the time at which you notify us or Clearing Firmsection labeled “Fee Schedule.”

Your Liability for Unauthorized Transfers. You could lose the entire value, including your available margin, of your Account through any unauthorized Transfer. Therefore, you should notify us or Clearing Firm at once if you believe a Transfer has occurred in your Account without your permission. Notifying us or Clearing Firm as soon as possible by telephone could minimize your possible losses. If you notify tell us or Clearing Firm within two (2) business days Business Days after you learn of the unauthorized Transferdiscover your Log-in Credentials or other means to access your account has been lost or stolen, you can lose your liability is no more than $50.0050.00 should someone access your account without your permission. If you do not notify tell us or Clearing Firm within two (2) business days Business Days after you learn of the unauthorized Transfersuch loss or theft, and we can prove that you we could have stopped someone from making prevented the unauthorized Transfer use of your password or other means to access your account if you had notified us or Clearing Firmtold us, then you can lose could be liable for as much as $500.00. Should If your Account Statement show any Transfer monthly financial institution statement contains transfers that you did not authorize, please notify you must tell us or Clearing Firm at once. If you do not notify tell us or Clearing Firm within sixty (60) days after the Account Statement statement was mailedsent to you, you may not get back lose any money you lost amount transferred without your authorization after the sixty (60) days if we can prove that we could have stopped someone from taking the unauthorized Transfer if money had you had notified told us or Clearing Firm in time. If a good reason (such as a long trip or a hospital stay) keeps prevented you from notifying telling us, we may extend the period. Errors and Questions In case of errors or questions about your transactions, you should as soon as possible notify us via one of the following: • Telephone us at (000) 000-0000 during Customer Service hours; • Contact us by using the application’s e-messaging feature; and/or, • Write us at: Stifel Bank 0000 Xxxxxxxx Xxxxxx, Xxxxx 000 Xxxxxxx, Xxxxxxxx 00000 If you think your statement is incorrect or Clearing Firmyou need more information about a Service transaction listed on the statement, we must hear from you no later than sixty (60) days after the time periods above may be extendedFIRST statement was sent to you on which the problem or error appears. You must: • Tell us your name and Service account number; • Describe the error or the transaction in question, and explain as clearly as possible why you believe it is an error or why you need more information; and, • Tell us the dollar amount of the suspected error. If you tell us verbally, we may require that you send your Account is an institutional complaint in writing within ten (Corporation10) Business Days after your verbal notification. We will tell you the results of our investigation within ten (10) Business Days after we hear from you, Non-Profit Organizationand will correct any error promptly. However, Non-Corporate Organizationsif we require more time to confirm the nature of your complaint or question, Partnerships, Estates, Pension and Profit Sharing Plans (not including IRAs and Employee Stock Ownership Plans) and other Trusts) account, you are liable for all unauthorized Transfers we reserve the right to take up to forty-five (45) days to complete our investigation. If we decide to do this, we will provisionally credit your Payment Account within ten (10) Business Days for the time at which amount you notify us think is in error. If we ask you to submit your complaint or Clearing Firmquestion in writing and we do not receive it within ten (10) Business Days, we may not provisionally credit your Payment Account. If it is determined there was no error we will mail you a written explanation within three (3) Business Days after completion of our investigation. You may ask for copies of documents used in our investigation. The Service may revoke any provisional credit provided to you if we find an error did not occur.

Your Liability for Unauthorized Transfers. You may have to bear the loss of money taken from any of your Eligible Accounts in any transaction or series of transactions initiated by using your Security Credentials. You could lose all the entire valuemoney in your account. How much of the loss you will have to bear will depend on when we are given a notice that your Security Credentials has been lost or stolen or are given a notice, including your available marginor become aware of circumstances, indicating that a transaction through the Online Banking Services involving any of your Account through any unauthorized Transfer. Therefore, you should notify us Eligible Accounts has been or Clearing Firm at once if you believe a Transfer has occurred in may be initiated by using your Account Security Credentials without your permissionauthorization. Notifying us To the extent a transaction is an electronic funds transfer, under the Federal Reserve Board’s Regulation E (an “EFT”), if we are given the notice or Clearing Firm as soon as possible by telephone could minimize your possible losses. If you notify us or Clearing Firm become aware of those circumstances within two (2) business days 2 Business Days after the date you learn of the loss, theft or possible unauthorized TransferEFT, you can lose no more than $50.00. If you do not notify us or Clearing Firm within two will have to bear (2subject to limitations under federal law) business days after you learn of the unauthorized Transfer, and we can prove that you could have stopped someone from making the unauthorized Transfer if you had notified us or Clearing Firm, then you can lose as much as $500.00. Should your Account Statement show any Transfer that you did not authorize, please notify us or Clearing Firm at once50 of the loss. If you we are not given the notice or do not notify us or Clearing Firm become aware of those circumstances within sixty (60) days after the Account Statement was mailed, you may not get back any money you lost after the sixty (60) days if those 2 Business Days and we can prove show that we could have stopped the taking of the money had we been given the notice during those 2 Business Days, you will have to bear (subject to limitations under federal law) as much as $500 of the loss. We may, when applicable, rely on any exceptions to the provisions in this Section that are in Regulation E. If you do not report the unauthorized Transfer EFT to us within 60 days after the date we send or deliver the statement to you, you will have to bear (subject to limitations under federal law) as much as $500 of the loss occurring before the end of those 60 days and, if we can show that we could have stopped the taking of the money had the unauthorized EFT been reported to us during those 60 days, all of the loss occurring after the end of those 60 days. You agree to assist us in our efforts to recover any funds that were paid without your permission or consent. The telephone number and address of the person to be notified when you believe that an unauthorized EFT has been or may be made are as follows: # Call Bank’s Customer Service during business hours at 0-000-000-0000 (only for domestic calls) or (000) 000-0000 (both domestic as well as international calls). # Write us at: BAC Florida Bank, 000 Xxxxxxx Xxxx X-00, Xxxxx Xxxxxx, Xxxxxxx 00000 # Through an Internal Electronic Message If you think that your statement is wrong or if you had notified need more information about a transfer listed on the statement, call or write us on the address listed above. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or Clearing Firm in timeerror appeared. If a good reason (such as a long trip or hospital stay) keeps you from notifying us or Clearing Firm, the time periods above may be extended. If your Account is an institutional (Corporation, Non-Profit Organization, Non-Corporate Organizations, Partnerships, Estates, Pension and Profit Sharing Plans (not including IRAs and Employee Stock Ownership Plans) and other Trusts) account, you are liable for all unauthorized Transfers up to the time at which When you notify us, (i) tell us or Clearing Firm.your name and account number;

Your Liability for Unauthorized Transfers. When you use your card or authorize anyone else to use your card, you agree to be bound by the provisions of this Agreement, to be responsible for all authorized transfers, withdrawals and transac- tions made by use of the card, and to be responsible for unautho- rized use of the card to the extent permitted by law. Please tell us AT ONCE if you believe your ATM card, your Visa Check Card, or your PIN 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. You could lose all the entire value, including your available margin, of your Account through any unauthorized Transfer. Therefore, you should notify us or Clearing Firm at once if you believe a Transfer has occurred money in your Account without account, plus the maximum amount of any line of credit linked to your permission. Notifying us account (such as a Cash Reserve or Clearing Firm as soon as possible by telephone could minimize EquityLine ac- count) or savings account linked to your possible lossesaccount for overdraft pro- tection transfer purposes. If you notify believe your card has been lost or stolen, and you tell us or Clearing Firm within two (2) business days after you learn of the unauthorized Transferloss or theft, you can lose no more than $50.0050.00 for unautho- rized transactions using your card. If you do not notify NOT tell us or Clearing Firm within two (2) business days after you learn of the unauthorized Transferloss or theft of your card, and we can prove that you we could have stopped someone from making the unauthorized Transfer using your card without your permission if you had notified us or Clearing Firmtold us, then you can lose as much as no more than $500.00500 for unauthorized transactions. Should Losses could in- clude not only the money in your Account Statement show account, but also advances on any Transfer credit line associated with your account. Also, if your statement shows transfers that you did not authorizemake, please notify tell us or Clearing Firm at once. If you do not notify tell us or Clearing Firm within sixty (60) 60 days after the Account Statement statement was mailedmailed to you, you may not get back any money you lost after the sixty (60) 60 days if we can prove that we could have stopped someone from taking the unauthorized Transfer mon- ey if you had notified told us or Clearing Firm in time. If a good reason (such as a long trip or a hospital stay) keeps kept you from notifying us or Clearing Firmtelling us, we may extend the time periods above may be extendedperiods. Remember, if you maintain the confidentiality of your PIN, it will reduce the possibility of the unauthorized use of your card. Do not write your PIN number on your card. If Your Card Is Lost, Stolen, or Used Without Your Authority If you believe your Account card has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call us at: If your card is an institutional (Corporation, Non-Profit Organization, Non-Corporate Organizations, Partnerships, Estates, Pension and Profit Sharing Plans (not including IRAs and Employee Stock Ownership Plans) and other Trusts) accountlost or stolen, you can prevent further use by calling Southern’s Customer Contact Center at 0-000-000-0000 and plac- ing your card in a “Hot Card” status or write Southern Bank and Trust Company ATM/BankCard Inquiry XX Xxx 000, Xxxxx Xxxxx, XX 00000-0000 or contact your local branch immediately. Business Day For purposes of these disclosures, our business days are liable Monday through Friday. Holidays are not included. Disclosure of Account Information We will disclose information to third parties about your account(s) in accordance with the policies set forth in our Privacy Notice. For example, we will disclose information about your account(s) or the transfers you make that we believe is necessary: • To complete or document transactions, to investigate possible unauthorized transactions, or to combat fraud. • To verify the existence and condition of your account for all unauthorized Transfers up a third party, such as a credit bureau or merchant. • In response to the time government agency inquiries or orders. • In response to court orders. • If you give us your written or oral permission. • To comply with government regulations. • To offer you products and services that we believe may interest you. Please refer to our Privacy Notice for more details on our informa- tion-sharing policies. Copies of our Privacy Notice are available at which any of our branches or on our website at xxx.xxxxxxxxxxxx.xxx. You must pay our standard charges for research and copying when we provide account information to you notify us or Clearing Firmto third parties.

Your Liability for Unauthorized Transfers. You agree to provide reasonable assistance in connection with our efforts to recover funds paid due to unauthorized use, including but not limited to the filing of a police report. You may be required to provide a written statement detailing your claim of unauthorized transactions. The following limitations may be exceeded to the extent of the law if we determine that you were negligent or fraudulent in the handling or safekeeping of your account, PIN, card or password. Immediately report a lost or stolen card, compromised PIN number or any discrepancy between the amount you requested from an ATM and the amount you received, to Bulldog Federal Credit Union. Contacting us by phone is the best way to minimize your losses. Please refer to the HOW TO CONTACT US section at the end of this disclosure for telephone numbers. Be advised you could lose all the entire valuemoney in your account, including plus your available marginmaximum line-of-credit. However, of your Account through any unauthorized Transfer. Therefore, you should notify us or Clearing Firm at once if you believe a Transfer has occurred in your Account without your permission. Notifying contact us or Clearing Firm as soon as possible by telephone could minimize your possible losses. If you notify us or Clearing Firm within two (2) business days after you learn the theft or loss of the unauthorized Transferyour card, PIN, or password, you can will lose no more than $50.0050 if an unauthorized party has used your card, PIN, or password. If you do not notify us or Clearing Firm within two (2) business days after you learn of the unauthorized Transfer, and we can prove that you the unauthorized access of your account could have stopped someone from making the unauthorized Transfer been avoided if you had notified us or Clearing Firmus, then you can may lose as much as $500.00500. Should If your Account Statement show any Transfer that statement shows a transfer you did not authorizemake, please notify us or Clearing Firm at oncecontact Bulldog Federal Credit Union immediately. If you do not notify tell us or Clearing Firm within sixty (60) days after from the Account Statement date your statement was mailed, you may not get back any be compensated for money you lost after the sixty (60) days days, if we can prove that we the unauthorized transfer could have stopped the unauthorized Transfer been avoided if you had promptly notified us or Clearing Firm in timeus. If a good reason (Should an emergency, such as a long trip travel or hospital stay) keeps hospitalization prevent you from notifying us within sixty days, a reasonable extension will be granted. Account Information Disclosure. We will disclose information to third parties about your account or Clearing Firm, the time periods above may be extended. If your Account is an institutional (Corporation, Non-Profit Organization, Non-Corporate Organizations, Partnerships, Estates, Pension and Profit Sharing Plans (not including IRAs and Employee Stock Ownership Plans) and other Trusts) account, you are liable for all unauthorized Transfers up to the time at which you notify us or Clearing Firm.transfers:

Your Liability for Unauthorized Transfers. You could lose the entire value, including your available margin, of your Account through any unauthorized Transfer. Therefore, you should notify us or Clearing Firm at once if you believe a Transfer has occurred in your Account without your permission. Notifying us or Clearing Firm as soon as possible by telephone could minimize your possible losses. If you notify tell us or Clearing Firm within two (2) business days Business Days after you learn of the unauthorized Transferdiscover your Log-in Credentials or other means to access your account has been lost or stolen, you can lose your liability is no more than $50.0050.00 should someone access your account without your permission. If you do not notify tell us or Clearing Firm within two (2) business days Business Days after you learn of the unauthorized Transfersuch loss or theft, and we can prove that you we could have stopped someone from making prevented the unauthorized Transfer use of your password or other means to access your account if you had notified us or Clearing Firmtold us, then you can lose could be liable for as much as $500.00. Should If your Account Statement show any Transfer monthly financial institution statement contains transfers that you did not authorize, please notify you must tell us or Clearing Firm at once. If you do not notify tell us or Clearing Firm within sixty (60) days after the Account Statement statement was mailedsent to you, you may not get back lose any money you lost amount transferred without your authorization after the sixty (60) days if we can prove that we could have stopped someone from taking the unauthorized Transfer if money had you had notified told us or Clearing Firm in time. If a good reason (such as a long trip or a hospital stay) keeps prevented you from notifying telling us, we may extend the period. Errors and Questions In case of errors or questions about your transactions, you should as soon as possible notify us via one of the following: • Telephone us at (000) 000-0000 during Customer Service hours; • Contact us by using the application’s e-messaging feature; and/or, • Write us at: Stifel Bank 0000 Xxxxxxxx Xxxxxx, Xxxxx 000 Xxxxxxx, Xxxxxxxx 00000 If you think your statement is incorrect or Clearing Firmyou need more information about a Service transaction listed on the statement, we must hear from you no later than sixty (60) days after the time periods above may be extendedFIRST statement was sent to you on which the problem or error appears. You must: • Tell us your name and Service account number; Agreement (Continued) • Describe the error or the transaction in question, and explain as clearly as possible why you believe it is an error or why you need more information; and, • Tell us the dollar amount of the suspected error. If you tell us verbally, we may require that you send your Account is an institutional complaint in writing within ten (Corporation10) Business Days after your verbal notification. We will tell you the results of our investigation within ten (10) Business Days after we hear from you, Non-Profit Organizationand will correct any error promptly. However, Non-Corporate Organizationsif we require more time to confirm the nature of your complaint or question, Partnerships, Estates, Pension and Profit Sharing Plans (not including IRAs and Employee Stock Ownership Plans) and other Trusts) account, you are liable for all unauthorized Transfers we reserve the right to take up to forty-five (45) days to complete our investigation. If we decide to do this, we will provisionally credit your Payment Account within ten (10) Business Days for the time at which amount you notify us think is in error. If we ask you to submit your complaint or Clearing Firmquestion in writing and we do not receive it within ten (10) Business Days, we may not provisionally credit your Payment Account. If it is determined there was no error we will mail you a written explanation within three (3) Business Days after completion of our investigation. You may ask for copies of documents used in our investigation. The Service may revoke any provisional credit provided to you if we find an error did not occur.

Your Liability for Unauthorized Transfers. You agree to exercise reasonable control over the information related to your Card Account, including your Card, Access Code(s) and PIN. Tell us AT ONCE if you believe your Card, Access Code(s), or PIN has been lost or stolen. Also, if your transaction history shows transfers that you did not make, including those made with your Card, Card Number or Account Number, or you believe an electronic transfer has been made without your permission, tell us at once. The best way to keep your losses down is by calling customer service. You could lose all the entire value, including your available margin, of your Account through any unauthorized Transfer. Therefore, you should notify us or Clearing Firm at once if you believe a Transfer has occurred money in your Primary Account without your permission. Notifying us or Clearing Firm as soon as possible by telephone could minimize your possible lossesCard Account. If you notify tell us or Clearing Firm within two (2) business days after you learn of the unauthorized Transferloss or theft of your Card, you can lose no more than $50.0050.00 if someone used your Card without your permission. If you do not notify NOT tell us or Clearing Firm within two (2) business days after you learn of the unauthorized Transferloss or theft of your Card, and we can prove that you we could have stopped someone from making the unauthorized Transfer using your Card without your permission if you had notified us or Clearing Firmtold us, then you can could lose as much as $500.00. Should your Account Statement show any Transfer that you did not authorize, please notify us or Clearing Firm at once. If you do not notify tell us or Clearing Firm within sixty (60) 60 days after the earlier of the date you electronically access your Card Account Statement was mailedor the date we sent the FIRST written history on which the error appeared, you may not get back any money you lost after the sixty (60) 60 days if we can prove that we could have stopped someone from taking the unauthorized Transfer money if you had notified told us or Clearing Firm in time. If a good good, documented, reason (such as a long trip or a hospital stay) keeps kept you from notifying us or Clearing Firmtelling us, we will extend the time periods above may be extendedperiods. If your Account is an institutional (Corporation, Non-Profit Organization, Non-Corporate Organizations, Partnerships, Estates, Pension and Profit Sharing Plans (not including IRAs and Employee Stock Ownership Plans) and other Trusts) accountIn addition to the limitations on liability described above, you are covered by Visa’s Zero Liability Policy and will not be liable for unauthorized use that occurs after you notify us of the loss, theft or unauthorized use of your Card, Access Code(s), or PIN. You also agree to cooperate completely with us in attempts to recover funds from unauthorized users and to assist in their prosecution. We may issue replacement Card(s), Access Code(s), and PIN(s), but only after you have provided such proof and security or indemnification as we may require. In addition, you acknowledge that we may have to deactivate your Card(s) and/or Card Account to prevent future losses. If you share your Card(s), Access Code(s), or PIN with another person, use of your Card Account by that person may be considered as authorized. If you authorize another person to use your Card, Access Code(s), or PIN, you agree that you will be liable for all transactions arising from use of the Card, Access Code(s), or PIN by such person except as otherwise set forth in this Agreement. In all cases, our liability for an unauthorized Transfers up transaction is limited to reimbursing you for the time at which 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 and you do not benefit from the transaction in any way. Visa’s Zero Liability policy covers U.S.–issued cards only and does not apply to ATM transactions outside the Visa and PLUS networks, PIN transactions not processed by Visa, or certain commercial card transactions. Cardholder must notify us or Clearing Firmpromptly of any unauthorized use.

Your Liability for Unauthorized Transfers. You could lose the entire value, including your available margin, of your Account through any unauthorized Transfer. Therefore, you should notify Contact us or Clearing Firm at once if you believe a Transfer your Card has occurred in your Account without your permissionbeen lost or stolen. Notifying us or Clearing Firm as soon as possible by telephone could Telephoning is the best way to minimize your possible losses. If you believe your Card has been lost or stolen, or that someone has transferred or may transfer money from your Card Account without your permission, call 0-000-000-0000 or visit XxXxxxxxxXxxx.xxx. 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 or Clearing Firm 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 with- out your permission. If you do not notify us within two (2) business days after you learn of the unauthorized Transfer, you can lose no more than $50.00. If you do not notify us loss or Clearing Firm within two (2) business days after you learn theft of the unauthorized Transfer, your Card and we can prove that you we could have stopped someone from making the unauthorized Transfer using your Card without your permission if you had promptly notified us or Clearing Firmus, then you can could lose as much as $500.00. Should Also, if you become aware of and/or your Account Statement show any Transfer statement/transaction history shows transactions that you did not authorizemake, please notify us or Clearing Firm at once. once following the procedures stated in the paragraph labeled “Information About Your Right to Dispute Errors.” If you do not notify us or Clearing Firm within sixty (60) days after you become aware of the Account Statement transaction and/or after the statement history was mailedmade available to you, you may not get back any money value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the unauthorized Transfer value if you had notified us or Clearing Firm in time. If a good reason (such as a long trip or a hospital stay) keeps kept you from notifying us or Clearing Firmtelling us, we may extend the time periods above may be extendedperiods. If your Card has been lost or stolen, we will close your Card Account to keep losses down and will send a replacement Card. There is an institutional (Corporationa fee for replacing your Card. For information about the fee, Non-Profit Organization, Non-Corporate Organizations, Partnerships, Estates, Pension and Profit Sharing Plans (not including IRAs and Employee Stock Ownership Plans) and other Trusts) account, you are liable for all unauthorized Transfers up to see the time at which you notify us or Clearing Firmsection labeled “Fee Schedule.”

Your Liability for Unauthorized Transfers. You could lose the entire value, including your available margin, of your Account through any unauthorized Transfer. Therefore, you should notify Contact us or Clearing Firm at once if you believe a Transfer your Card has occurred in your Account without your permissionbeen lost or stolen. Notifying us or Clearing Firm as soon as possible by telephone could Telephoning is the best way to minimize your possible losses. If you believe your Card has been lost or stolen, or that someone has transferred or may transfer money from your Card Account without your permission, call 000.000.0000. Under Visa Core Rules, your liability for unauthorized Visa debit transactions on your Card Account is $0.00 if you are not grossly negligent or fraudulent in the handling of your Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa, or to anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us). You must notify us or Clearing Firm immediately of any unauthorized use. In the event the Visa Zero Liability Rules do 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 unauthorized Transfer, you can lose no more than $50.00. If you do not notify us loss or Clearing Firm within two (2) business days after you learn theft of the unauthorized Transfer, your Card and we can prove that you we could have stopped someone from making the unauthorized Transfer using your Card without your permission if you had promptly notified us or Clearing Firmus, then you can could lose as much as $500.00. Should Also, if you become aware of and/or your Account Statement show any Transfer transaction history shows transactions that you did not authorizemake, please notify us or Clearing Firm at once. once following the procedures stated in the paragraph labeled “Information About Your Right to Dispute Errors.” If you do not notify us or Clearing Firm within sixty (60) days after you become aware of the Account Statement transaction and/or after the transaction history was mailedmade available to you, you may not get back any money value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the unauthorized Transfer value if you had notified us or Clearing Firm in time. If a good reason (such as a long trip or a hospital stay) keeps kept you from notifying us or Clearing Firmtelling us, we will extend the time periods above may be extendedperiods. If your Card has been lost or stolen, we will close your Card Account to keep losses down and will send a replacement card. There is an institutional (Corporationa fee for replacing your Card. For information about the fee, Non-Profit Organization, Non-Corporate Organizations, Partnerships, Estates, Pension and Profit Sharing Plans (not including IRAs and Employee Stock Ownership Plans) and other Trusts) account, you are liable for all unauthorized Transfers up to see the time at which you notify us or Clearing Firmsection labeled “Fee Schedule.”

Your Liability for Unauthorized Transfers. You could lose the entire value, including your available margin, of your Account through any unauthorized Transfer. Therefore, you should notify Contact us or Clearing Firm at once AT ONCE if you believe a Transfer your Card has occurred in your Account without your permissionbeen lost or stolen. Notifying us or Clearing Firm as soon as possible by telephone could Telephoning is the best way to minimize your possible losses. If you believe your Card has been lost or stolen, or that someone has transferred or may transfer money from your Card without your permission, call us toll-free at 0-000-000-0000. We will require you to give written confirmation of the error within 10 business days of the oral notification. If you notify us or Clearing Firm within two (2) business days, 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 unauthorized Transfer, you can lose no more than $50.00. If you do not notify us loss or Clearing Firm within two (2) business days after you learn theft of the unauthorized Transfer, your Card and we can prove that you we could have stopped someone from making the unauthorized Transfer using your Card without your permission if you had promptly notified us or Clearing Firmus, then you can could lose as much as $500.00. Should Also, if you become aware of and/or your Account Statement show any Transfer statement shows transactions that you did not authorizemake, please notify us or Clearing Firm at once. If you do not notify us or Clearing Firm within sixty (60) days after you become aware of the Account Statement transaction and/or after the statement was mailedmade available to you, you may not get back any money value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the unauthorized Transfer value if you had notified us in time and you are not grossly negligent or Clearing Firm fraudulent in timethe handling of your Card. If a good reason (such as a long trip or a hospital stay) keeps kept you from notifying us or Clearing Firmtelling us, we will extend the time periods above may be extendedperiods. If your Account Card has been lost or stolen, we will close your Card to minimize losses. In addition, your Card is an institutional (Corporationcovered by MasterCard Zero Liability Protection. Under MasterCard Zero Liability, Non-Profit Organization, Non-Corporate Organizations, Partnerships, Estates, Pension and Profit Sharing Plans (not including IRAs and Employee Stock Ownership Plans) and other Trusts) account, you are liable your liability for all unauthorized Transfers up to the time at which MasterCard transactions on your Card is $0 if you notify us promptly and you are not grossly negligent or Clearing Firmfraudulent in the handling of your Card. You will not be liable for unauthorized use that occurs after you notify us of the loss, theft or unauthorized use of your Card. You also agree to cooperate completely with H&R Block Bank in attempts to recover funds from unauthorized users and to assist in their prosecution. If your Card is lost or stolen, the Bank will not hold you responsible for “unauthorized purchases” if certain conditions are met. Zero liability applies to purchases made in the store, over the telephone or made online. As a MasterCard cardholder you will not be responsible in the event of unauthorized purchases provided that the following preconditions are met:  Your Card is in good standing;  You have exercised reasonable care in safeguarding your Card from any unauthorized use. Unauthorized use means that you did not provide, directly, by implication or otherwise, the right to use your Card and you received no benefit from the "unauthorized" purchase (failure to register certain Cards will be considered as not safeguarding your Card);  You have not reported two or more unauthorized events in the past 12 months. Zero Liability does not apply to MasterCard cards (i) issued for commercial, business or agricultural purposes, except for MasterCard commercial cards used for small businesses as listed on xxx.xxxxxxxxxxxxxxxxxx.xxx; or (ii) if a PIN for a debit transaction is used for the unauthorized purchase. If the MasterCard Rules are changed as they affect your liability, those changes will become applicable to your transactions under this Agreement upon notice to you as provided by law.

Your Liability for Unauthorized Transfers. You could lose the entire value, including If you are unable to find your available margin, of your Account through any unauthorized Transfer. ThereforeCard, you should notify may put a security hold on your Card so no money can be spent or cash withdrawn while you look for it. Click “Freeze My Card” from the Help page in the App. Contact us or Clearing Firm at once if you believe a Transfer your Card has occurred in your Account without your permissionbeen lost or stolen. Notifying us or Clearing Firm as soon as possible by telephone could Telephoning is the best way to minimize your possible losses. If you believe your Card has been lost or stolen, or that someone has transferred or may transfer money from your Card Account without your permission, call us at 0-000-000-0000. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions on your Card Account is $0.00 if you notify us within two (2) business days and you are not grossly negligent or Clearing Firm fraudulent in the handling of your Card. This reduced liability does not apply to PIN transactions not processed by Visa or to ATM cash withdrawals. If you notify us within two (2) business days 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 unauthorized Transferloss 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 can could lose no more than as much as $50.00500.00. Also, if you become aware of and/or your statement shows transactions that you did not make, notify us at once following the procedures stated in the paragraph labeled “Your Right to Dispute Errors”. If you do not notify us or Clearing Firm within two (2) business days after you learn of the unauthorized Transfer, and we can prove that you could have stopped someone from making the unauthorized Transfer if you had notified us or Clearing Firm, then you can lose as much as $500.00. Should your Account Statement show any Transfer that you did not authorize, please notify us or Clearing Firm at once. If you do not notify us or Clearing Firm in writing within sixty (60) days after you become aware of the Account Statement transaction and/or after the statement was mailedmade available to you, you may not get back any money value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the unauthorized Transfer value if you had notified us in time and you are grossly negligent or Clearing Firm fraudulent in timethe handling of your Card. If a good reason (such as a long trip or a hospital stay) keeps kept you from notifying us or Clearing Firmtelling us, we will extend the time periods above may be extendedperiods. If your Card has been lost or stolen, we will close your Card Account is an institutional (Corporationto keep losses down. Return to your employer to obtain a replacement card, Nonand call 0-Profit Organization, Non000-Corporate Organizations, Partnerships, Estates, Pension and Profit Sharing Plans (not including IRAs and Employee Stock Ownership Plans) and other Trusts) account, you are liable for all unauthorized Transfers up 000-0000 to the time at which you notify us or Clearing Firmtransfer funds to your replacement card.

Your Liability for Unauthorized Transfers. You could lose the entire value, including your available margin, of your Account through any unauthorized Transfer. Therefore, you should notify must contact us or Clearing Firm immediately at once 0-000-000-0000 if you believe a Transfer the Card, PIN or Bank Account number has occurred been stolen, compromised, or your Bank Account has been used without permission. Under Visa Core Rules, your liability for unauthorized Visa debit transactions on the Card is $0.00 if you are not negligent or fraudulent in your the handling of the Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa, or to anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us). You must notify us immediately of any unauthorized use. In the event that the Visa Zero Liability Rules do 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 the Bank Account without your permission. Notifying us or Clearing Firm as soon as possible by telephone could minimize your possible losses. If you do not notify us or Clearing Firm within two (2) business days after you learn of the unauthorized Transferloss or theft of the Card, PIN, or Bank Account number and we can prove that we could have stopped someone from using the Bank Account without your permission if you had promptly notified us, you can could lose no more than as much as $50.00500.00. Also, if you become aware of and/or your statement shows transactions that you did not authorize, notify Xxxx at once following the procedures stated in the paragraph captioned "Information About Your Right to Dispute Errors". If you do not notify us or Clearing Firm within two (2) business days after you learn of the unauthorized Transfer, and we can prove that you could have stopped someone from making the unauthorized Transfer if you had notified us or Clearing Firm, then you can lose as much as $500.00. Should your Account Statement show any Transfer that you did not authorize, please notify us or Clearing Firm at once. If you do not notify us or Clearing Firm within sixty (60) days after you become aware of the Account Statement transaction(s) and/or the statement was mailedmade available to you, you may not get back any money of the value you lost after the sixty (60) days if we can prove that we someone could have been stopped the unauthorized Transfer from taking value if you had notified provided us or Clearing Firm notice in time. If a good reason (such as a long trip or a hospital stay) keeps kept you from notifying us or Clearing Firmtelling us, we may extend the time periods above may be extendedperiods. If your Card, PIN or Bank Account is an institutional (Corporationnumber has been lost, Non-Profit Organizationstolen or compromised, Non-Corporate Organizations, Partnerships, Estates, Pension we will deactivate the Card and/or Bank Account to prevent further transactions from occurring and Profit Sharing Plans (not including IRAs and Employee Stock Ownership Plans) and other Trusts) account, send you are liable for all unauthorized Transfers up to the time at which you notify us or Clearing Firma replacement Card and/or Bank Account Number.

Your Liability for Unauthorized Transfers. You could lose the entire value, including your available margin, of your Account through any unauthorized Transfer. Therefore, you should notify us or Clearing Firm at once if you believe a Transfer has occurred in your Account without your permission. Notifying us or Clearing Firm as soon as possible by telephone could minimize your possible losses. If you notify tell us or Clearing Firm within two (2) business days Business Days after you learn of the unauthorized Transferdiscover your password or other means to access your account has been lost or stolen, you can lose your liability is no more than $50.0050.00 should someone access your account without your permission. If you do not notify tell us or Clearing Firm within two (2) business days Business Days after you learn of the unauthorized Transfersuch loss or theft, and we can prove that you we could have stopped someone from making prevented the unauthorized Transfer use of your password or other means to access your account if you had notified us or Clearing Firmtold us, then you can lose could be liable for as much as $500.00. Should If your Account Statement show any Transfer monthly financial institution statement contains transfers that you did not authorize, please notify you must tell us or Clearing Firm at once. If you do not notify tell us or Clearing Firm within sixty (60) days after the Account Statement statement was mailedsent to you, you may not get back lose any money you lost amount transferred without your authorization after the sixty (60) days if we can prove that we could have stopped someone from taking the unauthorized Transfer if money had you had notified told us or Clearing Firm in time. If a good reason (such as a long trip or a hospital stay) keeps prevented you from notifying telling us, we may extend the period. STOP PAYMENTS If you have asked us or Clearing Firm, the time periods above may be extended. If to make regular pre-authorized transfers out of your Account is an institutional (Corporation, Non-Profit Organization, Non-Corporate Organizations, Partnerships, Estates, Pension and Profit Sharing Plans (not including IRAs and Employee Stock Ownership Plans) and other Trusts) account, you are may stop any of these payments. To do so, call 000-000-0000 or 0-000-000-0000. You must notify us at least three (3) business days before the scheduled date of transfer. The Credit Union may require written confirmation within 14 days of oral notice. OUR LIABILITY FOR FAILURE TO COMPLETE AN ELECTRONIC FUNDS TRANSFER TRANSACTION: If we do not properly complete a transaction according to our Agreement with you, we will be responsible for completing the transaction. IN NO EVENT will Velocity Community Federal Credit Union be liable for all unauthorized Transfers up to the time at which you notify us consequential or Clearing Firm.indirect losses or damages. We will not be liable if:

Your Liability for Unauthorized Transfers. You could lose ‌ If you permit other persons to use the entire value, including Service or your available margin, of your Account through any unauthorized Transfer. ThereforePassword, you should are responsible for any transactions they authorize from your accounts. If you believe that your Password has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, notify us AT ONCE, by calling 0-000-000-0000 (X.X. Xxxxxx Online clients only call 0-000-000-0000) or Clearing Firm writing us at once Online Customer Service, P. O. Box 2558, Houston, TX 77252-9968. For Consumer Deposit Accounts and Chase Liquid Cards Only: Tell us AT ONCE if you believe a Transfer your Password has occurred in been lost or stolen or that an unauthorized online transfer has been made from any of your Account without your permissiondeposit accounts or Chase Liquid Cards. Notifying Telephoning us or Clearing Firm as soon as possible by telephone could minimize is the best and fastest way of keeping your possible losseslosses to a minimum. If you notify do not do so, you could lose all the money in each of the accounts, as well as all of the available funds in any overdraft protection account or any other credit line included among your accounts. If you tell us or Clearing Firm within two (2) business days Business Days after you learn of discover the unauthorized Transferloss or theft, you can lose no more than $50.00are completely covered if someone makes a transfer without your authorization. If you do not notify tell us or Clearing Firm within two (2) business days Business Days after you learn discover the loss or theft of the your Password or that an unauthorized Transferonline transfer has been made from any of your deposit accounts or Chase Liquid Cards, and we can prove that you we could have stopped someone from making the unauthorized Transfer a transfer without your authorization if you had notified us or Clearing Firmtold us, then you can could lose as much as $500.00500. Should your Account Statement show Furthermore, if any Transfer account statement shows online transfers that you did not authorizemake, please notify tell us or Clearing Firm at onceAT ONCE. If you do not notify tell us or Clearing Firm within sixty (60) days for a transfer from a Chase Account after the Account Statement a Chase statement showing such a transfer was mailedtransmitted, you may not get back any money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the unauthorized Transfer money if you had notified told us or Clearing Firm in time. If a good reason (reason, such as a long trip or hospital stay) keeps , kept you from notifying us or Clearing Firmtelling us, we will extend the time periods above may be extended. If your Account is an institutional (Corporation, Non-Profit Organization, Non-Corporate Organizations, Partnerships, Estates, Pension and Profit Sharing Plans (not including IRAs and Employee Stock Ownership Plans) and other Trusts) account, you are liable for all unauthorized Transfers up to the time at which you notify us or Clearing Firmperiods.

Your Liability for Unauthorized Transfers. You could lose the entire value, including Immediately following your available margin, discovery of your Account through any an unauthorized Transfer. ThereforePayment Instruction, you should notify us or Clearing Firm at once if you believe a Transfer has occurred shall communicate with customer care for the Service in your Account without your permissionthe manner set forth in Section 6 of the General Terms above. Notifying us or Clearing Firm as soon as possible by telephone could minimize your possible lossesYou acknowledge and agree that time is of the essence in such situations. If you notify tell us or Clearing Firm within two (2) business days Business Days after you learn of discover your password or other means to access your account through which you access the unauthorized TransferService has been lost or stolen, you can lose your liability is no more than $50.0050.00 should someone access your account without your permission. If you do not notify tell us or Clearing Firm within two (2) business days Business Days after you learn of the unauthorized Transfersuch loss or theft, and we can prove that you we could have stopped someone from making prevented the unauthorized Transfer use of your password or other means to access your account if you had notified us or Clearing Firmtold us, then you can lose could be liable for as much as $500.00. Should If your Account Statement show any Transfer monthly financial institution statement contains payments that you did not authorize, please notify you must tell us or Clearing Firm at once. If you do not notify tell us or Clearing Firm within sixty (60) days after the Account Statement statement was mailedsent to you, you may not get back lose any money you lost amount transferred without your authorization after the sixty (60) days if we can prove that we could have stopped someone from taking the unauthorized Transfer if money had you had notified told us or Clearing Firm in time. If a good reason extenuating circumstances (such as a long trip or a hospital stay) keeps prevented you from notifying us or Clearing Firmtelling us, we will extend the time periods specified above to a reasonable period. To the extent that this Agreement applies to business customers, the following terms apply in lieu of the foregoing: BUSINESS CUSTOMER LIABILITY Tell us AT ONCE if you believe your password has been lost, stolen, or compromised, or that someone has transferred or may transfer money from your account without your permission. You should immediately contact us as indicated in Section 6 above. Please note that transactions initiated by someone to whom you have given your password are not considered unauthorized transactions. Telephoning us is the best way of minimizing your possible losses. You could lose all the money in the account linked to Online Banking, plus your maximum overdraft line of credit (if applicable). You will continue to be extended. If your Account is an institutional (Corporation, Non-Profit Organization, Non-Corporate Organizations, Partnerships, Estates, Pension and Profit Sharing Plans (not including IRAs and Employee Stock Ownership Plans) and other Trusts) account, you are liable for all unauthorized Transfers up transfers and transactions initiated by use of the Services until you change your password or you request us to the time at which do so and we change your password. If you fail to notify us that your password has been lost or Clearing Firmstolen, you could lose all of the money in your accounts. You further agree that we will not be liable for consequential damages arising from the unauthorized use of the Services that access your accounts.

Your Liability for Unauthorized Transfers. Tell us AT ONCE if you believe your password has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission or otherwise compromised using information from your check. Telephoning is the best way of keeping your possible losses down. We will require such notification to be followed up in writing. You could lose all the entire value, including your available margin, of your Account through any unauthorized Transfer. Therefore, you should notify us or Clearing Firm at once if you believe a Transfer has occurred money in your Account without account plus any available balance in your permission. Notifying us or Clearing Firm as soon as possible by telephone could minimize your possible lossesoverdraft protection account, revolving line of credit and/or Discretionary Overdraft Privilege limit. If you notify tell us or Clearing Firm within two (2) 2 business days after you learn of the unauthorized Transferloss or theft of your password, you can lose no more than $50.0050 if someone used your password without your permission. If you do not notify NOT tell us or Clearing Firm within two (2) 2 business days after you learn of the unauthorized Transferloss or theft of your password, and we can prove that you we could have stopped someone from making the unauthorized Transfer using your password without your permission if you had notified us or Clearing Firmtold us, then you can could lose as much as $500.00500. Should Also, if your Account Statement show any Transfer statement shows transfers that you did not authorizemake, please notify including those made by card, password or other means, tell us or Clearing Firm at once. If you do not notify tell us or Clearing Firm within sixty (60) 60 days after the Account Statement statement was mailedmailed or otherwise made available to you, you may not get back any money you lost after the sixty (60) 60 days if we can prove that we could have stopped someone from taking the unauthorized Transfer money if you had notified told us or Clearing Firm in time. If a good reason (such as a long trip or a hospital stay) keeps kept you from notifying us or Clearing Firmtelling us, we may, in our sole discretion, extend the time periods above may be extendedperiods. If your Account is an institutional (CorporationSee the section titled "How to Contact Us" for our phone numbers and address. However, Non-Profit Organization, Non-Corporate Organizations, Partnerships, Estates, Pension and Profit Sharing Plans (not including IRAs and Employee Stock Ownership Plans) and other Trusts) accountif you use Online Banking or Xxxx Pay for business purposes, you are liable assume all risk of loss for unauthorized transfers and payments, and you must establish your own internal security procedures for employees you authorize to use Online Banking and to prevent all unauthorized Transfers up to the time at which you notify us use by other employees or Clearing Firmpersons.

Your Liability for Unauthorized Transfers. You could lose the entire value, including your available margin, of your Account through any unauthorized Transfer. Therefore, you should notify Contact us or Clearing Firm at once if you believe a Transfer the Card, PIN or Varo Bank Account number has occurred in your Account without your permissionbeen stolen or compromised. Notifying us or Clearing Firm as soon as possible by telephone could Telephoning is the best way to minimize your possible losses. If the Card, PIN or Varo Bank Account number has been lost, stolen or compromised, or you suspect that someone has transferred or may transfer money from the Varo Bank Account without your permission, call 0- 000-000-0000. Under Visa Core Rules, your liability for unauthorized Visa debit transactions on the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card. . This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa, or to anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us). You must notify us immediately of any unauthorized use. In the event that the Visa Zero Liability Rules do not apply, if you notify us or Clearing Firm within two (2) business days after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used the Varo Bank Account without your permission. If you do not notify us within two (2) business days after you learn of the unauthorized Transferloss or theft of the Card, PIN, or Varo Bank Account number and we can prove that we could have stopped someone from using the Varo Bank Account without your permission if you had promptly notified us, you can could lose no more than as much as $50.00500.00. Also, if you become aware of and/or your statement shows transactions that you did not make, notify us at once following the procedures stated in the paragraph captioned "Information About Your Right to Dispute Errors". If you do not notify us or Clearing Firm within two (2) business days after you learn of the unauthorized Transfer, and we can prove that you could have stopped someone from making the unauthorized Transfer if you had notified us or Clearing Firm, then you can lose as much as $500.00. Should your Account Statement show any Transfer that you did not authorize, please notify us or Clearing Firm at once. If you do not notify us or Clearing Firm within sixty (60) days after you become aware of the Account Statement transaction(s) and/or the statement was mailedmade available to you, you may not get back any money of the value you lost after the sixty (60) days if we can prove that we someone could have been stopped the unauthorized Transfer from taking value if you had notified provided us or Clearing Firm notice in time. If a good reason (such as a long trip or a hospital stay) keeps kept you from notifying us or Clearing Firmtelling us, we will extend the time periods above may be extendedperiods. If the Card, PIN or Varo Bank Account number has been lost, stolen or compromised, we will deactivate the Card and/or Varo Bank Account to keep losses down and send you a replacement Card and/or Varo Bank Account number. If the Varo Bank Account number changes you must immediately notify your employer or any other payors or merchants. You must provide them with the new Varo Bank Account is an institutional (Corporation, Non-Profit Organization, Non-Corporate Organizations, Partnerships, Estates, Pension and Profit Sharing Plans (not including IRAs and Employee Stock Ownership Plans) and other Trusts) account, you are liable for all unauthorized Transfers up number to the time at which you notify us or Clearing Firmensure your direct deposit and/or ACH Debit activity continues uninterrupted.

Your Liability for Unauthorized Transfers. You could lose the entire value, including your available margin, of your Account through any unauthorized Transfer. Therefore, you should notify Contact us or Clearing Firm at once AT ONCE if you believe a Transfer the Card has occurred in your Account been lost or stolen or used without your permissionpermission or if you believe anyone has gained unauthorized access to your PIN. Notifying us or Clearing Firm as soon as possible by telephone could Telephoning is the best way to minimize your possible losses. If you believe the Card has been lost or stolen or that someone has transferred or may transfer money from the Card Account without your permission call us at the Customer Service telephone number shown at the beginning of this Agreement. Under Visa Core Rules, your liability for unauthorized Visa debit transactions on the Card Account is $0.00 if you are not negligent or fraudulent in the handling of the Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa, or to anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us). You must notify us or Clearing Firm immediately of any unauthorized use. In the event the Visa Zero Liability Rules do 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 the Card without your permission. If you do not notify us within two (2) business days after you learn of the unauthorized Transferloss or theft of the Card and we can prove that we could have stopped someone from using the Card without your permission if you had promptly notified us, you can could lose no more than as much as $50.00500.00. Also, if you become aware of and/or your transaction history shows transactions that you did not make, notify us at once following the procedures stated in Section 29 below. If you do not notify us or Clearing Firm within two (2) business days after you learn of the unauthorized Transfer, and we can prove that you could have stopped someone from making the unauthorized Transfer if you had notified us or Clearing Firm, then you can lose as much as $500.00. Should your Account Statement show any Transfer that you did not authorize, please notify us or Clearing Firm at once. If you do not notify us or Clearing Firm within sixty (60) days after you become aware of the Account Statement transaction and/or after the transaction history was mailedmade available to you, you may not get back any money value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the unauthorized Transfer value if you had notified us or Clearing Firm in time. If a good reason (such as a long trip or a hospital stay) keeps kept you from notifying us or Clearing Firmtelling us, we will extend the time periods above periods. If the Card has been lost or stolen, we will close the Card Account to keep losses down and will send a replacement Card. A fee may be extended. If your Account is an institutional (Corporationassessed for expedited production or delivery of a replacement Card; for more information about the delivery options and applicable fees, Non-Profit Organization, Non-Corporate Organizations, Partnerships, Estates, Pension and Profit Sharing Plans (not including IRAs and Employee Stock Ownership Plans) and other Trusts) account, you are liable for all unauthorized Transfers up to the time at which you notify us or Clearing Firmsee Section 23 below.

Your Liability for Unauthorized Transfers. When you use your card or authorize anyone else to use your card, you agree to be bound by the provisions of this Agreement, to be re- sponsible for all authorized transfers, withdrawals and transactions made by use of the card, and to be responsible for unauthorized use of the card to the extent permitted by law. Please tell us AT ONCE if you believe your ATM card, your Visa Check Card, or your PIN 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. You could lose all the entire value, including your available margin, of your Account through any unauthorized Transfer. Therefore, you should notify us or Clearing Firm at once if you believe a Transfer has occurred money in your Account without account, plus the maximum amount of any line of credit linked to your permission. Notifying us account (such as a Cash Reserve or Clearing Firm as soon as possible by telephone could minimize EquityLine account) or savings account linked to your possible lossesaccount for overdraft protection transfer purposes. If you notify believe your card has been lost or stolen, and you tell us or Clearing Firm within two (2) business days after you learn of the unauthorized Transferloss or theft, you can lose no more than $50.0050.00 for unauthorized trans- actions using your card. If you do not notify NOT tell us or Clearing Firm within two (2) business days after you learn of the unauthorized Transferloss or theft of your card, and we can prove that you we could have stopped someone from making the unauthorized Transfer using your card with- out your permission if you had notified us or Clearing Firmtold us, then you can lose as much as no more than $500.00500 for unauthorized transactions. Should Losses could include not only the money in your Account Statement show account, but also advances on any Transfer credit line as- sociated with your account. Also, if your statement shows transfers that you did not authorizemake, please notify tell us or Clearing Firm at once. If you do not notify tell us or Clearing Firm within sixty (60) 60 days after the Account Statement statement was mailedmailed to you, you may not get back any money you lost after the sixty (60) 60 days if we can prove that we could have stopped someone from taking the unauthorized Transfer money if you had notified told us or Clearing Firm in time. If a good reason (such as a long trip or a hospital stay) keeps kept you from notifying us or Clearing Firmtelling us, we may extend the time periods above may be extendedperiods. Remember, if you maintain the confidentiality of your PIN, it will reduce the possibility of the unauthorized use of your card. Do not write your PIN number on your card. If Your Card Is Lost, Stolen, or Used Without Your Authority If you believe your Account card has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call us at: If your card is an institutional (Corporation, Non-Profit Organization, Non-Corporate Organizations, Partnerships, Estates, Pension and Profit Sharing Plans (not including IRAs and Employee Stock Ownership Plans) and other Trusts) accountlost or stolen, you can prevent further use by calling Southern's Customer Contact Center at 0-000-000-0000 and placing your card in a “Hot Card” status or write Southern Bank and Trust Company ATM/BankCard Inquiry XX Xxx 000, Xxxxx Xxxxx, XX 00000-0000 or contact your local branch immediately. Business Day For purposes of these disclosures, our business days are liable Monday through Friday. Holidays are not included. Disclosure of Account Information We will disclose information to third parties about your account(s) in accordance with the policies set forth in our Privacy Notice. For example, we will disclose information about your account(s) or the transfers you make that we believe is necessary: • To complete or document transactions, to investigate possible unauthorized transactions, or to combat fraud. • To verify the existence and condition of your account for all unauthorized Transfers up a third party, such as a credit bureau or merchant. • In response to the time government agency inquiries or orders. • In response to court orders. • If you give us your written or oral permission. • To comply with government regulations. • To offer you products and services that we believe may interest you. Please refer to our Privacy Notice for more details on our informa- tion-sharing policies. Copies of our Privacy Notice are available at which any of our branches or on our website at xxx.xxxxxxxxxxxx.xxx. You must pay our standard charges for research and copying when we provide account information to you notify us or Clearing Firmto third parties.

Your Liability for Unauthorized Transfers. You could lose must contact us immediately via the entire valueApp (if available), including your available marginby calling us at 0-000-000-0000, of your Account through any unauthorized Transfer. Therefore, you should notify or email us or Clearing Firm at once xxxxxxx@xxxxxxxxx.xxx if you believe a Transfer the Card, PIN, or Bank Account number has occurred been stolen, compromised, or your Bank Account has been used without permission. Under Visa Core Rules, your liability for unauthorized Visa debit transactions on the Card is $0.00 if you are not negligent or fraudulent in your the handling of the Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa, or to anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us). You must notify us immediately of any unauthorized use. In the event that the Visa Zero Liability Rules do 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 the Bank Account without your permission. Notifying us or Clearing Firm as soon as possible by telephone could minimize your possible losses. If you do not notify us or Clearing Firm within two (2) business days after you learn of the unauthorized Transfer, you can lose no more than $50.00. If you do not notify us loss or Clearing Firm within two (2) business days after you learn theft of the unauthorized TransferCard, PIN, or Bank Account number and we can prove that you we could have stopped someone from making using the unauthorized Transfer Bank Account without your permission if you had promptly notified us or Clearing Firmus, then you can could lose as much as $500.00. Should Also, if you become aware of and/or your Account Statement show any Transfer statement shows transactions that you did not authorize, please notify us or Clearing Firm Xxxx at once. once following the procedures stated in the paragraph captioned "Information About Your Right to Dispute Errors." If you do not notify us or Clearing Firm within sixty (60) days after you become aware of the Account Statement transaction(s) and/or the statement was mailedmade available to you, you may not get back any money of the value you lost after the sixty (60) days if we can prove that we someone could have been stopped the unauthorized Transfer from taking value if you had notified provided us or Clearing Firm notice in time. If a good reason (such as a long trip or a hospital stay) keeps kept you from notifying us or Clearing Firmtelling us, we may extend the time periods above may be extendedperiods. If your Card, PIN, or Bank Account is an institutional (Corporationnumber has been lost, Non-Profit Organizationstolen, Non-Corporate Organizationsor compromised, Partnerships, Estates, Pension we will deactivate the Card and/or Bank Account to prevent further transactions from occurring and Profit Sharing Plans (not including IRAs and Employee Stock Ownership Plans) and other Trusts) account, send you are liable for all unauthorized Transfers up to the time at which you notify us or Clearing Firma replacement Card and/or Bank Account Number.

Your Liability for Unauthorized Transfers. You could lose the entire value, including your available margin, of your Account through any unauthorized Transfer. Therefore, you should notify Contact us or Clearing Firm at once if you believe a Transfer your Card has occurred in your Account without your permissionbeen lost or stolen. Notifying us or Clearing Firm as soon as possible by telephone could Telephoning is the best way to minimize your possible losses. If you believe your Card has been lost or stolen, or that someone has transferred or may transfer money from your Card Account without your permission, call 0-000-000-0000 or 0-000-000-0000. Under Visa Core Rules, your liability for unauthorized Visa debit transactions on your Card Account is $0.00 if you are not negligent or fraudulent in the handling of your Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us). You must notify us or Clearing Firm immediately of any unauthorized use. In the event the Visa Zero Liability Rules do 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 unauthorized Transfer, you can lose no more than $50.00. If you do not notify us loss or Clearing Firm within two (2) business days after you learn theft of the unauthorized Transfer, your Card and we can prove that you we could have stopped someone from making the unauthorized Transfer using your Card without your permission if you had promptly notified us or Clearing Firmus, then you can could lose as much as $500.00. Should Also, if you become aware of and/or your Account Statement show any Transfer statement shows transactions that you did not authorizemake, please notify us or Clearing Firm at once. once following the procedures stated in the paragraph labeled “Information About Your Right to Dispute Errors.” If you do not notify us or Clearing Firm within sixty (60) days after you become aware of the Account Statement transaction and/or after the statement was mailedmade available to you, you may not get back any money value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the unauthorized Transfer value if you had notified us or Clearing Firm in time. If a good reason (such as a long trip or a hospital stay) keeps kept you from notifying us or Clearing Firmtelling us, we will extend the time periods above may be extendedperiods. If your Card has been lost or stolen, we will close your Card Account to keep losses down and will send a replacement card. There is an institutional (Corporationa fee for replacing your Card. For information about the fee, Non-Profit Organization, Non-Corporate Organizations, Partnerships, Estates, Pension and Profit Sharing Plans (not including IRAs and Employee Stock Ownership Plans) and other Trusts) account, you are liable for all unauthorized Transfers up to see the time at which you notify us or Clearing Firmsection labeled “Fee Schedule.”

Your Liability for Unauthorized Transfers. You could lose Section 16 (Your Liability for Unauthorized Transfers) of the entire value, including General Terms shall not apply to the Zelle® Payment Service. Immediately following your available margin, discovery of your Account through any an unauthorized Transfer. ThereforeZelle® Payment Service Payment Instruction, you should notify us or Clearing Firm at once if you believe a Transfer has occurred shall communicate with customer care in your Account without your permissionthe manner set forth in Section 6 of the General Terms above. Notifying us or Clearing Firm as soon as possible by telephone could You acknowledge and agree that time is of the essence in such situations. The best way to minimize your possible lossesloss is to call us immediately. If Consumer Accounts You will have no liability for unauthorized transactions if you notify us or Clearing Firm within two sixty (260) business days after you learn of your monthly financial institution statement which shows the unauthorized Transfer, you can lose no more than $50.00transaction has been sent to you. If you do not notify tell us or Clearing Firm within two (2) business days after you learn of the unauthorized Transfer, and we can prove that you could have stopped someone from making the unauthorized Transfer if you had notified us or Clearing Firm, then you can lose as much as $500.00. Should your Account Statement show any Transfer that you did not authorize, please notify us or Clearing Firm at once. If you do not notify us or Clearing Firm within sixty (60) days after the Account Statement statement was mailedsent to you, you may not get back lose any money you lost amount transferred without your authorization after the sixty (60) days if we can prove that we could have stopped someone from taking the unauthorized Transfer if money had you had notified told us or Clearing Firm in time. If a good reason (such as a long trip or a hospital stay) keeps prevented you from notifying us or Clearing Firmtelling us, we will extend the time periods specified above may be extendedto a reasonable period. If When you give someone your Account is an institutional (Corporation, Non-Profit Organization, Non-Corporate Organizations, Partnerships, Estates, Pension password or other means to access your account through which you access the Zelle® and Profit Sharing Plans (not including IRAs and Employee Stock Ownership Plans) and other Trusts) accountOther Payment Services, you are authorizing that person to use your service, and you are responsible for all transactions that person performs while using your service. All transactions that person performs, even those transactions you did not intend or want performed, are authorized transactions. Additionally, transactions that you or someone acting with you initiates with fraudulent intent are also authorized transactions. Note: These liability rules only apply to Eligible Transaction Accounts used for personal, family and household purposes, which excludes, among other types of transactions, any transactions conducted through the Zelle® Small Business Service. Business Accounts and Zelle® Small Business Service Users We may process any Payment Instruction submitted using your password or other means to access your account even if not authorized by you. You agree to properly review all paper and electronic statements, notices, and transaction information we provide and to report all unauthorized transactions and errors. You may not be liable for all unauthorized Transfers up transactions if you report them within twenty-four (24) hours of the alleged unauthorized transaction posting to the time at which you notify us or Clearing Firmyour account. 19 Content Standards; Zelle® Tags.

Your Liability for Unauthorized Transfers. You could lose If you permit other persons to use the entire value, including Service or your available margin, of your Account through any unauthorized Transfer. ThereforePassword, you should are responsible for any transactions they authorize from your accounts. If you believe that your Password has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, notify us AT ONCE, by calling 0-000-000-0000 (X.X. Xxxxxx Online clients only call 0-000-000-0000) or Clearing Firm writing us at once Online Customer Service, P. O. Box 2558, Houston, TX 77252-9968. For Consumer Deposit Accounts and Chase Liquid Cards Only: Tell us AT ONCE if you believe a Transfer your Password has occurred in been lost or stolen or that an unauthorized online transfer has been made from any of your Account without your permissiondeposit accounts or Chase Liquid Cards. Notifying Telephoning us or Clearing Firm as soon as possible by telephone could minimize is the best and fastest way of keeping your possible losseslosses to a minimum. If you notify do not do so, you could lose all the money in each of the accounts, as well as all of the available funds in any overdraft protection account or any other credit line included among your accounts. If you tell us or Clearing Firm within two (2) business days Business Days after you learn of discover the unauthorized Transferloss or theft, you can lose no more than $50.00are completely covered if someone makes a transfer without your authorization. If you do not notify tell us or Clearing Firm within two (2) business days Business Days after you learn discover the loss or theft of the your Password or that an unauthorized Transferonline transfer has been made from any of your deposit accounts or Chase Liquid Cards, and we can prove that you we could have stopped someone from making the unauthorized Transfer a transfer without your authorization if you had notified us or Clearing Firmtold us, then you can could lose as much as $500.00500. Should your Account Statement show Furthermore, if any Transfer account statement shows online transfers that you did not authorizemake, please notify tell us or Clearing Firm at onceAT ONCE. If you do not notify tell us or Clearing Firm within sixty (60) days for a transfer from a Chase Account after the Account Statement a Chase statement showing such a transfer was mailedtransmitted, you may not get back any money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the unauthorized Transfer money if you had notified told us or Clearing Firm in time. If a good reason (reason, such as a long trip or hospital stay) keeps , kept you from notifying us or Clearing Firmtelling us, we will extend the time periods above may be extended. If your Account is an institutional (Corporation, Non-Profit Organization, Non-Corporate Organizations, Partnerships, Estates, Pension and Profit Sharing Plans (not including IRAs and Employee Stock Ownership Plans) and other Trusts) account, you are liable for all unauthorized Transfers up to the time at which you notify us or Clearing Firmperiods.

Your Liability for Unauthorized Transfers. You could lose the entire value, including your available margin, of your Account through any unauthorized Transfer. Therefore, you should notify us or Clearing Firm at once CONTACT US IMMEDIATELY if you believe a Transfer your Login ID, Password, or other Log-In Credentials have been lost, stolen, misused, used without your authorization or otherwise compromised or if someone has occurred in transferred or may transfer money from your Account Accounts without your permission. Notifying us or Clearing Firm as soon as possible by telephone could minimize Telephoning is the best way of keeping your possible losseslosses to a minimum. You could lose all the money in your Accounts (plus your maximum overdraft line of credit or discretionary overdraft limit, if any). If you notify are a business customer, you understand that: (i) you may be liable for any and all transactions initiated through Online Banking using your Login ID, Password, or other Log-In Credentials, whether actually transmitted or authorized by you; and (ii) we shall have no duty or obligation to verify either the authenticity of such transactions initiated through the use of your Login ID, Password, or other Log-In Credentials or the identity or authority of the person executing such transactions. If you are a consumer and believe your Login ID, Password, or other Log-In Credentials have been lost, stolen, misused, used without authorization, or compromised, and you tell us or Clearing Firm within two (2) business days Business Days after you learn of the unauthorized Transferloss or theft, you can lose no more than $50.0050 if someone used your Login-ID and Password without your permission. If you do not fail to notify us or Clearing Firm within two (2) business days Business Days after you learn of the unauthorized Transferloss or theft, and we can prove that you we could have stopped someone from making the unauthorized Transfer using your credentials to access your Accounts without your permission if you had notified us or Clearing Firmtold us, then you can could lose as much as $500.00500. Should In addition, you must report any unauthorized transactions that appear on your Account Statement show any Transfer that you did not authorize, please notify us or Clearing Firm at oncestatement within 60 days of its mailing to avoid liability for subsequent transfers. If you fail to do not notify us or Clearing Firm within sixty (60) days after the Account Statement was mailedso, you may not get back any money you lost be held liable for the amount of all unauthorized transfers that occur after the sixty (60) days if 60th day, provided we can prove that we could establish the loss would not have stopped the unauthorized Transfer if occurred had you had notified us or Clearing Firm in time. If a good reason (such as a long trip or hospital stay) keeps you from notifying us or Clearing Firm, within the time periods above may be extended. If your Account is an institutional (Corporation, Non60-Profit Organization, Non-Corporate Organizations, Partnerships, Estates, Pension and Profit Sharing Plans (not including IRAs and Employee Stock Ownership Plans) and other Trusts) account, you are liable for all unauthorized Transfers up to the time at which you notify us or Clearing Firmday period.

Your Liability for Unauthorized Transfers. You could lose the entire value, including your available margin, of your Account through any unauthorized Transfer. Therefore, you should notify Contact us or Clearing Firm at once if you believe a Transfer your Card has occurred in your Account without your permissionbeen lost or stolen. Notifying us or Clearing Firm as soon as possible by telephone could Telephoning is the best way to minimize your possible losses. If you believe your Card has been lost or stolen, or that someone has transferred or may transfer money from your Card Account without your permission, call Cardholder Services at the telephone number located on the “List of All Fees” or visit xxx.xxxxxxxxxxx.xxx. Under Visa Core Rules, your liability for unauthorized Visa debit transactions on your Card Account is $0.00 if you are not negligent or fraudulent in the handling of your Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa, or to anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us). You must notify us or Clearing Firm immediately of any unauthorized use. In the event the Visa Zero Liability Rules do 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 unauthorized Transfer, you can lose no more than $50.00. If you do not notify us loss or Clearing Firm within two (2) business days after you learn theft of the unauthorized Transfer, your Card and we can prove that you we could have stopped someone from making the unauthorized Transfer using your Card without your permission if you had promptly notified us or Clearing Firmus, then you can could lose as much as $500.00. Should Also, if you become aware of and/or your Account Statement show any Transfer statement history shows transactions that you did not authorizemake, please notify us or Clearing Firm at once. once following the procedures stated in the paragraph labeled “Information About Your Right to Dispute Errors.” If you do not notify us or Clearing Firm within sixty (60) days after you become aware of the Account Statement transaction and/or after the statement history was mailedmade available to you, you may not get back any money value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the unauthorized Transfer value if you had notified us or Clearing Firm in time. If a good reason (such as a long trip or a hospital stay) keeps kept you from notifying us or Clearing Firmtelling us, we will extend the time periods above may be extendedperiods. If your Card has been lost or stolen, we will close your Card Account to keep losses down and will send a replacement card. There is an institutional (Corporationno fee for replacing your Card. Expedited delivery is available, Non-Profit Organizationhowever there is a fee for this service. For information about applicable fees, Non-Corporate Organizations, Partnerships, Estates, Pension and Profit Sharing Plans (not including IRAs and Employee Stock Ownership Plans) and other Trusts) account, you are liable for all unauthorized Transfers up to please see the time at which you notify us or Clearing Firm“List of All Fees.”

Your Liability for Unauthorized Transfers. You agree to provide reasonable assistance in connection with our efforts to recover funds paid due to unauthorized use, including but not limited to the filing of a police report. You may be required to provide a written statement detailing your claim of unauthorized transactions. The following limitations may be exceeded to the extent of the law if we determine that you were negligent or fraudulent in the handling or safekeeping of your account, PIN, card or password. Immediately report a lost or stolen card, compromised PIN number or any discrepancy between the amount you requested from an ATM and the amount you received, to Greater Iowa Credit Union. Contacting us by phone is the best way to minimize your losses. Please refer to the Questions section at the end of this disclosure for telephone numbers. Be advised you could lose all the entire valuemoney in your account, including plus your available marginmaximum line-of-credit. However, of your Account through any unauthorized Transfer. Therefore, you should notify us or Clearing Firm at once if you believe a Transfer has occurred in your Account without your permission. Notifying contact us or Clearing Firm as soon as possible by telephone could minimize your possible losses. If you notify us or Clearing Firm within two (2) business days after you learn the theft or loss of the unauthorized Transferyour card, PIN, or password, you can will lose no more than $50.0050 if an unauthorized party has used your card, PIN, or password. If you do not notify us or Clearing Firm within two (2) business days after you learn of the unauthorized Transfer, and we can prove that you the unauthorized access of your account could have stopped someone from making the unauthorized Transfer been avoided if you had notified us or Clearing Firmus, then you can may lose as much as $500.00500. Should If your Account Statement show any Transfer that statement shows a transfer you did not authorizemake, please notify us or Clearing Firm at oncecontact Greater Iowa Credit Union immediately. If you do not notify tell us or Clearing Firm within sixty (60) days after from the Account Statement date your statement was mailed, you may not get back any be compensated for money you lost after the sixty (60) days days, if we can prove that we the unauthorized transfer could have stopped the unauthorized Transfer been avoided if you had promptly notified us or Clearing Firm in timeus. If a good reason (Should an emergency, such as a long trip travel or hospital stay) keeps hospitalization prevent you from notifying us within sixty days, a reasonable extension will be granted. Account Information Disclosure. We will disclose information to third parties about your account or Clearing Firm, the time periods above may be extended. If your Account is an institutional (Corporation, Non-Profit Organization, Non-Corporate Organizations, Partnerships, Estates, Pension and Profit Sharing Plans (not including IRAs and Employee Stock Ownership Plans) and other Trusts) account, you are liable for all unauthorized Transfers up to the time at which you notify us or Clearing Firm.transfers: