Common use of Your Liability for Unauthorized Transfers Clause in Contracts

Your Liability for Unauthorized Transfers. a. Contact us at once if you believe your Card, PIN or Account number has been stolen. Telephoning is the best way to minimize your possible losses. If your Card, PIN or Account number has been lost or stolen, or someone has transferred or may transfer money from your Account without your permission, call (000) 000-0000. 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, PIN or Account number 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, Account number or PIN and we can prove that we could have stopped someone from using your Account without your permission if you had promptly notified us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with 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 ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. 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 below sub-section captioned “Information About Your Right to Dispute Errors.” If you do not notify us within sixty (60) days after you become aware of the transaction(s) and/or the statement was made available to you, you may not get back any of the value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking value if you had notified us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If your Card, PIN or Account number has been lost or stolen, we will close your Card and/or Account to keep losses down and send you a replacement Card and/or Account number.

Your Liability for Unauthorized Transfers. a. Contact You could lose the entire value of your Account through any unauthorized Transfer. Therefore, you should notify us at once if you believe your Card, PIN or Account number a Transfer has been stolen. Telephoning is the best way to minimize your possible losses. If your Card, PIN or Account number has been lost or stolen, or someone has transferred or may transfer money from occurred in your Account without your permission, call (000) 000-0000. Notifying us as soon as possible by telephone could minimize your possible losses. If you notify us within two (2) business days after you learn of any the unauthorized transactionsTransfer, you can lose no more than the lesser of $50.00 if someone used or the Card, PIN or Account number without your permissionamount of the unauthorized Transfers. If you do not notify us within two (2) business days Business Days after you learn of the loss or theft of your Cardunauthorized Transfer, Account number or PIN and we can prove that we could have stopped someone from using your Account without your permission making the unauthorized Transfer if you had promptly notified us, then you could can lose as much as the lesser of $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with 500.00 or the Card is sum of (i) $0.00 if you are not negligent 50.00 or fraudulent in the handling amount of the Cardunauthorized 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. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of Should your Advantage Account statement show any unauthorized use. c. Also, if you become aware of and/or your statement shows transactions Transfer that you did not makeauthorize, please notify us at once following the procedures stated in the below sub-section captioned “Information About Your Right to Dispute Errors.” once. If you do not notify us within sixty (60) 60 days after you become aware of the transaction(s) and/or the Account statement was made available to youmailed, you may not get back any of the value money you lost after the sixty (60) 60 days if we can prove that we could have stopped someone from taking value the unauthorized Transfer if you had notified us in time. If a good reason (such as a long trip or a hospital stay) kept keeps you from telling notifying us, we will extend the time periodsperiods above may be extended. If your CardAccount is a "Commercial Account" (which is defined in this Advantage Agreement as an account for a Corporation, PIN or Account number has been lost or stolenNonprofit Organization, we will close your Card and/or Account Noncorporate Organization, Partnerships, Estates, Pension and Profit Sharing Plans [not including IRAs and Employee Stock Ownership Plans] and other Trust), you are liable for all unauthorized Transfers up to keep losses down and send the time at which you a replacement Card and/or Account numbernotify us.

Your Liability for Unauthorized Transfers. a. Contact 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") at once if you believe a Transfer has occurred in your Card, PIN account without your permission. Notifying us or Account number has been stolen. Telephoning is the best way to Clearing Firm as soon as possible by telephone could minimize your possible losses. If your Card, PIN or Account number has been lost or stolen, or someone has transferred or may transfer money from your Account without your permission, call (000) 000-0000. 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, PIN or Account number without your permission. If you do not notify us Clearing Firm within two (2) business days after you learn of the loss unauthorized Transfer, you can lose no more than $50.00. If you do not notify us or theft Clearing Firm within two (2) business days after you learn of your Cardthe unauthorized Transfer, Account number or PIN and we can prove that we you could have stopped someone from using your Account without your permission making the unauthorized Transfer if you had promptly notified usus or Clearing Firm, then you could can lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, . Should your liability for unauthorized Visa debit transactions made with 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 ATM transactions outside the U.S. You must notify us immediately of Account Statement show any unauthorized use. c. Also, if you become aware of and/or your statement shows transactions Transfer that you did not makeauthorize, please notify us or Clearing Firm at once following the procedures stated in the below sub-section captioned “Information About Your Right to Dispute Errors.” once. If you do not notify us or Clearing Firm within sixty (60) days after you become aware of the transaction(s) and/or the statement Account Statement was made available to youmailed, you may not get back any of the value money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking value the unauthorized Transfer if you had notified us or Clearing Firm in time. If a good reason (such as a long trip or a hospital stay) kept keeps you from telling usnotifying us or Clearing Firm, we will extend the time periodsperiods above may be extended. If your CardAccount is an institutional (Corporation, PIN 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 Account number has been lost or stolen, we will close your Card and/or Account to keep losses down and send you a replacement Card and/or Account numberClearing Firm.

Your Liability for Unauthorized Transfers. a. Contact us at once if you believe your Card, PIN or Account number Card has been lost or stolen. Telephoning is the best way to minimize your possible losses. If you believe your Card, PIN or Account number 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 (000) 000-0000until such time as the identity of the cardholder has been registered with us). If In the event that Mastercard Zero Liability does not apply, if you notify us within two (2) business days after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used the Card, PIN or Account number 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, Account number or PIN Card and we can prove that we could have stopped someone from using your Account Card without your permission if you had promptly notified us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with 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 ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. 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 below sub-section captioned paragraph labeled “Information About Your Right to Dispute Errors.” If you do not notify us within sixty (60) days after you become aware of the transaction(s) transaction and/or after the statement was made available to you, you may not get back any of the value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the value if you had notified us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If your Card, PIN or Account number Card has been lost or stolen, we will close your Card and/or Account to keep losses down and will send you a replacement Card and/or Account numbercard. There is a fee for replacing your Card. For information about the fee, see the section labeled “Fee Schedule.”

Your Liability for Unauthorized Transfers. a. Contact us at once Customer Service immediately if you believe your CardAccount number, PIN log in credentials, PIN, access code, access device or Account number Debit Card has been stolenlost or stolen or if you believe someone has transferred or may transfer money from your Account without your permission. Telephoning is the best way to minimize your possible losses. If your Card, PIN or Account number has been lost or stolen, or someone has transferred or may transfer money from your Account without your permission, call (000) 000-0000. If you notify us Customer Service 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, PIN or your Account number without your permission. If you do not notify us Customer Service within two (2) business days after you learn of the loss or theft of your Card, Account number and Platform or PIN and we Bank can prove that we it could have stopped someone from using your Account without your permission if you had promptly notified usCustomer Service in time, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with 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 ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Also, if you become aware of and/or your statement shows transactions that you did not make, notify us Customer Service at once following the procedures stated in the below sub-section captioned “Section "Information About Your Right to Dispute Errors.” ". If you do not notify us Customer Service within sixty (60) days after you become aware of the transaction(s) and/or the statement was made available to you, you may not get back any of the value you lost after the sixty (60) days if we Platform and/or Bank can prove that we it could have stopped someone from taking value if you had notified us Customer Service in time. If a good reason (such as a long trip or a hospital stay) kept you from telling usCustomer Service, we Platform and/or Bank will extend the time periods. If your Card, PIN or Account number has been lost or stolen, we Platform will close your Card and/or Account to keep losses down and send issue you a replacement Card and/or new Account number. If your Account changes you must immediately notify your employer or any other payors or merchants. You must provide them with your new Account number to ensure that your direct deposit and/or ACH Debit activity continues uninterrupted.

Your Liability for Unauthorized Transfers. a. Contact us You must contact Synapse, by calling at once +0(000) 000-0000 or emailing xxxx@xxxxxxxxx.xxx if you believe your Card, PIN or Account number has been stolen. Telephoning is the best way to minimize your possible losses. If your Card, PIN was stolen or Account number has been lost or stolen, or if you believe someone has transferred or may transfer money from your Account without permission. If your permissionaccount number was stolen or if you believe someone has transferred or may transfer money from your Account without permission contact us immediately through Synapse, call (000) 000-0000at the number specified above. 5.8.1. If you notify us within two (2) business days after you learn of any unauthorized transactionstransaction, you can lose no more than $50.00 if someone used the Card, PIN or your Account number 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, Account number or PIN and we can prove that we could have stopped someone from using your Account without your permission if you had promptly notified us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card5.8.2. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Also, if 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 section below sub-section captioned “Information About Your Right to Dispute ErrorsErrors and Disputes.” If you do not notify us within sixty (60) days after (i) you become aware of the transaction(s) and/or (ii) the statement was made available to you, you may not get back any of the value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking value if you had notified us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If your Card, PIN or Account number has been lost or stolenAfter receiving notice from you of such an event, we will close your Card and/or Account to keep losses down and send issue you a replacement Card and/or new Account number. 5.8.3. If your Account number changes, you must immediately notify your employer or any other payors or merchants. You must provide them with your new Account number to ensure that your direct deposit and/or payments activity continues uninterrupted. 5.8.4. If you furnish your access device and grant actual authority to make transfers to someone who then exceeds that authority, you will be liable for the transfers the person makes unless we have been notified that transfers by that person are no longer authorized. If you claim a credit or refund because of a forgery, alteration, or any other unauthorized withdrawal, you agree to cooperate with us in the investigation of the loss, including giving us an affidavit containing whatever reasonable information we require concerning your Account, the transaction, and the circumstances surrounding the loss. You will notify law enforcement authorities of any criminal act related to the claim of lost, missing, or stolen checks or unauthorized withdrawals. We will have a reasonable period of time to investigate the facts and circumstances surrounding any claim of loss. Unless we have acted in bad faith, we will not be liable for any special or consequential damages, including loss of profits or opportunity, or for attorneys’ fees incurred by you. You agree that you will not waive any rights you have to recover your loss against anyone who is obligated to repay, insure, or otherwise reimburse you for your loss. You will pursue your rights or, at our option, assign them to us so that we may pursue them. Our liability will be reduced by the amount you recover or are entitled to recover from these other sources. Concerning each item you deposit with us, or which we cash for you or give other consideration, you make the following warranties to us whether Bank is the payor bank or depository bank: all necessary signatures and endorsements have been placed on the time and are genuine, the item has not been materially altered and you have good title to it, and no defense of any party to the item is good against you. If any such warranty is breached, we may deduct the amount of the item from any of your accounts or otherwise collect from you this amount plus expenses.

Your Liability for Unauthorized Transfers. a. 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. Click “Freeze My Card” from the Help page in the App. Contact us at once if you believe your Card, PIN or Account number Card has been lost or stolen. Telephoning is the best way to minimize your possible losses. If you believe your Card, PIN or Account number 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 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 after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used the Card, PIN or Account number 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, Account number or PIN Card and we can prove that we could have stopped someone from using your Account Card without your permission if you had promptly notified us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with 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 ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. 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 below sub-section captioned paragraph labeled “Information About Your Right to Dispute Errors.” ”. If you do not notify us in writing within sixty (60) days after you become aware of the transaction(s) transaction and/or after the statement was made available to you, you may not get back any of the value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the value if you had notified us in timetime and you are grossly negligent or fraudulent in the handling of your Card. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If your Card, PIN or Account number Card has been lost or stolen, we will close your Card and/or Account to keep losses down and send you down. Return to your employer to obtain a replacement Card and/or Account numbercard, and call 0- 000-000-0000 to transfer funds to your replacement card.

Your Liability for Unauthorized Transfers. a. Contact 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") at once if you believe a Transfer has occurred in your Card, PIN account without your permission. Notifying us or Account number has been stolen. Telephoning is the best way to Clearing Firm as soon as possible by telephone could minimize your possible losses. If your Card, PIN or Account number has been lost or stolen, or someone has transferred or may transfer money from your Account without your permission, call (000) 000-0000. 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, PIN or Account number without your permission. If you do not notify us Clearing Firm within two (2) business days after you learn of the loss unauthorized Transfer, you can lose no more than $50.00. If you do not notify us or theft Clearing Firm within two (2) business days after you learn of your Cardthe unauthorized Transfer, Account number or PIN and we can prove that we you could have stopped someone from using your Account without your permission making the unauthorized Transfer if you had promptly notified usus or Clearing Firm, then you could can lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, . Should your liability for unauthorized Visa debit transactions made with 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 ATM transactions outside the U.S. You must notify us immediately of Account Statement show any unauthorized use. c. Also, if you become aware of and/or your statement shows transactions Transfer that you did not makeauthorize, please notify us or Clearing Firm at once following the procedures stated in the below sub-section captioned “Information About Your Right to Dispute Errors.” once. If you do not notify us or Clearing Firm within sixty (60) days after you become aware of the transaction(s) and/or the statement Account Statement was made available to youmailed, you may not get back any of the value money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking value the unauthorized Transfer if you had notified us or Clearing Firm in time. If a good reason (such as a long trip or a hospital stay) kept keeps you from telling usnotifying us or Clearing Firm, we will extend the time periodsperiods above may be extended. If your CardAccount is an institutional (Corporation, PIN 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 Account number has been lost or stolen, we will close your Card and/or Account to keep losses down and send you a replacement Card and/or Account numberClearing Firm.

Your Liability for Unauthorized Transfers. a. Contact If you believe any of your Access Codes has been lost or stolen, you should notify us and change your password immediately. Tell us at once if you believe your Cardstatement, PIN account or Account number transaction information, or security information has been lost, stolen, or compromised. Telephoning Contacting us by phone is the best way to minimize of keeping your possible losseslosses down. If You could lose all the money in your Cardaccount, PIN or Account number has been lost or stolenas well as your maximum overdraft line of credit, or someone has transferred or may transfer money from your Account without your permission, call (000) 000-0000if applicable. If you notify tell us within two (2) business days after you learn of any unauthorized transactionsdays, you can lose no more than $50.00 if someone used the Card, PIN or Account number your security information without your permission. If you do not notify tell us within two (2) business days after you learn of the loss or theft of your Cardsecurity information, Account number or PIN and we can prove that we could have stopped someone from using your Account security information without your permission if you had promptly notified us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with 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 ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Also, if you become aware of and/or If your statement shows transactions transfers that you did not make, notify tell us at once following the procedures stated in the below sub-section captioned “Information About Your Right to Dispute Errors.” once. If you we do not notify us receive notification from you within sixty (60) calendar days after you become aware of the transaction(s) and/or the statement was made available to youdate, you may not get back be entitled to any type of account re-credit for lost funds. We will tell you the value you lost results of our investigation within ten business days after the sixty (60) days if we can prove that we could have stopped someone hear from taking value if you had notified us in timeyou, and will correct any error promptly. If a good reason (such as a long trip we need more time, however, we may take up to forty-five calendar days to investigate your complaint or a hospital stay) kept you from telling usquestion. If we determine we need this extra time, we will extend 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 periodsit takes us to complete our investigation. If we ask you to put your Cardcomplaint or question in writing and we do not receive it within ten business days, PIN or Account number has been lost or stolenwe may not provisionally credit your account. If we decide that there was no error, we will close your Card and/or Account to keep losses down and send you a replacement Card written explanation within three business days after we finish our investigation. You may ask for copies of the documents we used in our investigation. 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 credit union does not guarantee that downloads from the site will be free of any viruses or other destructive devices. Additionally, you provide, request, and receive information from the site with the knowledge that such information can be intercepted and/or Account numberviewed by unknown third parties.

Your Liability for Unauthorized Transfers. a. 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 Customer Service phone numbers on the back of your card. Contact us at once if you believe your Card, PIN or Account number Card has been lost or stolen. Telephoning is the best way to minimize your possible losses. If you believe your Card, PIN or Account number 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 (0002) 000-0000business days and you are not grossly negligent or 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 after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used the Card, PIN or Account number 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, Account number or PIN Card and we can prove that we could have stopped someone from using your Account Card without your permission if you had promptly notified us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with 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 ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. 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 below sub-section captioned paragraph labeled “Information About Your Right to Dispute Errors.” ”. If you do not notify us in writing within sixty (60) days after you become aware of the transaction(s) transaction and/or after the statement was made available to you, you may not get back any of the value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the value if you had notified us in timetime and you are grossly negligent or fraudulent in the handling of your Card. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If your Card, PIN or Account number Card has been lost or stolen, we will close your Card and/or Account to keep losses down and send you down. Return to your employer to obtain a replacement card or call the Customer Service numbers on the back of the card Your Card and/or Account numberand your obligations under this Agreement may not be assigned. We may transfer our rights under this Agreement. Use of your Card is subject 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, law, or regulation of any governmental agency, local, state, or federal, the validity or enforceability of any other provision of this Agreement shall not be affected. This Agreement will be governed by the law of the State of Ohio except to the extent governed by federal law.

Your Liability for Unauthorized Transfers. a. Contact us at once You must contact Synapse, by calling at‌ +0(000) 000-0000 or emailing xxxx@xxxxxxxxx.xxx if you believe your Card, PIN or Account number has been stolen. Telephoning is the best way to minimize your possible losses. If your Card, PIN was stolen or Account number has been lost or stolen, or if you believe someone has transferred or may transfer money from your Account without permission. If your permissionaccount number was stolen or if you believe someone has transferred or may transfer money from your Account without permission contact us immediately through Synapse, call (000) 000-0000at the number specified above.‌‌‌ 6.8.1. If you notify us within two (2) business days after you learn of any unauthorized transactionstransaction, you can lose no more than $50.00 if someone used the Card, PIN or your Account number 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, Account number or PIN and we can prove that we could have stopped someone from using your Account without your permission if you had promptly notified us, you could lose as much as $500.00.500.00.‌‌‌‌‌ b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card6.8.2. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Also, if 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 section below sub-section captioned “Information About Your Right to Dispute ErrorsErrors and Disputes.” If you do not notify us within sixty (60) days after (i) you become aware of the transaction(s) and/or (ii) the statement was made available to you, you may not get back any of the value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking value if you had notified us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If your Card, PIN or Account number has been lost or stolenAfter receiving notice from you of such an event, we will close your Card and/or Account to keep losses down and send issue you a replacement Card new Account number.‌‌‌‌‌‌‌‌ 6.8.3. If your Account number changes, you must immediately notify your employer or any other payors or merchants. You must provide them with your new Account number to ensure that your direct deposit and/or Account number.payments activity continues uninterrupted.‌‌ 6.8.4. If you furnish your access device and grant actual authority to make transfers to someone who then exceeds that authority, you will be liable for the transfers the person makes unless we have been notified that transfers by that person are no longer authorized. If you claim a credit or refund because of a forgery, alteration, or any other unauthorized withdrawal, you agree to cooperate with us in the investigation of the loss, including giving us an affidavit containing whatever reasonable information we require concerning your Account, the transaction, and the circumstances surrounding the loss. You will notify law enforcement authorities of any criminal act related to the claim of lost, missing, or stolen checks or unauthorized withdrawals. We will have a reasonable period of time to investigate the facts and circumstances surrounding any claim of loss. Unless we have acted in bad faith, we will not be liable for any special or consequential damages, including loss of profits or opportunity, or for attorneys’ fees incurred by you. You agree that you will not waive any rights you have to recover your loss against anyone who is obligated to repay, insure, or otherwise reimburse you for your loss. You will pursue your rights or, at our option, assign them to us so that we may pursue them. Our liability will be reduced by the amount you recover or are entitled to recover from these other sources. Concerning each item you deposit with us, or which we cash for you or give other consideration, you make the following warranties to us whether Bank is the payor bank or depository bank: all necessary signatures and endorsements have been placed on the time and are genuine, the item has not been materially altered and you have good title to it, and no defense of any party to the item is good against you. If any such warranty is breached, we may deduct the amount of the item from any of your accounts or otherwise collect from you this amount plus expenses.‌‌‌‌‌‌‌‌‌‌‌‌‌‌‌‌‌‌‌‌‌‌‌

Your Liability for Unauthorized Transfers. a. Contact You could lose the entire value of your Account through any unauthorized Transfer. Therefore, you should notify us at once if you believe your Card, PIN or Account number a Transfer has been stolen. Telephoning is the best way to minimize your possible losses. If your Card, PIN or Account number has been lost or stolen, or someone has transferred or may transfer money from occurred in your Account without your permission, call (000) 000-0000. Notifying us as soon as possible by telephone could minimize your possible losses. If you notify us within two (2) business days after you learn of any the unauthorized transactionsTransfer, you can lose no more than the lesser of $50.00 if someone used or the Card, PIN or Account number without your permissionamount of the unauthorized Transfers. If you do not notify us within two (2) business days Business Days after you learn of the loss or theft of your Cardunauthorized Transfer, Account number or PIN and we can prove that we could have stopped someone from using your Account without your permission making the unauthorized Transfer if you had promptly notified us, then you could can lose as much as the lesser of $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with 500.00 or the Card is sum of $0.00 if you are not negligent 50.00 or fraudulent in the handling amount of the Cardunauthorized 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. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of Should your Advantage Account statement show any unauthorized use. c. Also, if you become aware of and/or your statement shows transactions Transfer that you did not makeauthorize, please notify us at once following the procedures stated in the below sub-section captioned “Information About Your Right to Dispute Errors.” once. If you do not notify us within sixty (60) 60 days after you become aware of the transaction(s) and/or the Account statement was made available to youmailed, you may not get back any of the value money you lost after the sixty (60) 60 days if we can prove that we could have stopped someone from taking value the unauthorized Transfer if you had notified us in time. If a good reason (such as a long trip or a hospital stay) kept keeps you from telling notifying us, we will extend the time periodsperiods above may be extended. If your CardAccount is a "Commercial Account" (which is defined in this Advantage Agreement as an account for a Corporation, PIN or Account number has been lost or stolenNonprofit Organization, we will close your Card and/or Account Noncorporate Organization, Partnerships, Estates, Pension and Profit Sharing Plans [not including IRAs and Employee Stock Ownership Plans] and other Trust), you are liable for all unauthorized Transfers up to keep losses down and send the time at which you a replacement Card and/or Account numbernotify us.

Your Liability for Unauthorized Transfers. a. Contact Tell us at once AT ONCE if you believe your Card, Card or PIN or Account number has been stolen. Telephoning is the best way to minimize your possible losses. If your Card, PIN or Account number has been lost or stolen, . Reporting your Card lost or someone has transferred stolen online at xxx.xxxxxxxx.xxx or may transfer money from your Account without your permission, call calling us at (000) 000-00000000 is the best way of keeping your possible losses down. You could lose all the money on your Card. If you notify tell us within two (2) business days after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used the Card, PIN or Account number without your permission. If you do not notify us within two (2) business days after you learn of the loss or theft of your CardCard or PIN, Account number you can lose no more than $50 if someone used your Card or PIN without your permission. If you do NOT tell us within two business days after you learn of the loss or theft of your Card or PIN, and we can prove that we could have stopped someone from using your Account Card or PIN without your permission if you had promptly notified told us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, 500. (Note: If your liability for unauthorized Visa debit transactions made with the Card is $0.00 if a MasterCard Card, you are will not be liable for the amounts stated above if: your Card is in good standing; you have not reported more than two incidents of unauthorized use in the preceding 12 months; and you have exercised reasonable care in safeguarding your Card from risk of loss or theft. If your Card is a Visa Card, you will not be liable for the amounts stated above unless we determine that you were grossly negligent or fraudulent in the handling of the your Card. This reduced liability .) You agree that any unauthorized use does not apply include use by a person to certain commercial card transactionswhom you have given authority to use the Card or PIN and that you will be liable for all such uses by such person. For example, if you have given your Card or Card information to another person to use, such as a friend or relative, you are responsible for that person’s transactions not processed by Visa or with your Card, and if you have given your Card information to ATM transactions outside a merchant for a transaction, you have given authority to that merchant to debit the U.S. You must notify us immediately of any unauthorized use. c. Card for that transaction. Also, if you become aware of and/or your statement on-line or paper transaction history shows transactions transfers that you did not make, notify including those made by your Card, PIN or other means, tell us at once following the procedures stated in the below sub-section captioned “Information About Your Right to Dispute Errors.” once. If you do not notify tell us within sixty 60 days after: (60i) days after you become aware electronically access your Card information at xxx.xxxxxxxx.xxx; or (ii) we provide you with a written history of the transaction(s) and/or the statement was made available to youyour Card transactions, you may not get back any of the Card value you lost after the sixty (60) 60 days if we can prove that we could have stopped someone from taking the Card value if you had notified told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If your Card, PIN or Account number has been lost or stolen, we will close your Card and/or Account to keep losses down and send you a replacement Card and/or Account number.

Your Liability for Unauthorized Transfers. a. Contact 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 Card, PIN Account without your permission. Notifying us or Account number has been stolen. Telephoning is the best way to Clearing Firm as soon as possible by telephone could minimize your possible losses. If your Card, PIN or Account number has been lost or stolen, or someone has transferred or may transfer money from your Account without your permission, call (000) 000-0000. 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, PIN or Account number without your permission. If you do not notify us Clearing Firm within two (2) business days after you learn of the loss unauthorized Transfer, you can lose no more than $50.00. If you do not notify us or theft Clearing Firm within two (2) business days after you learn of your Cardthe unauthorized Transfer, Account number or PIN and we can prove that we you could have stopped someone from using your Account without your permission making the unauthorized Transfer if you had promptly notified usus or Clearing Firm, then you could can lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, . Should your liability for unauthorized Visa debit transactions made with 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 ATM transactions outside the U.S. You must notify us immediately of Account Statement show any unauthorized use. c. Also, if you become aware of and/or your statement shows transactions Transfer that you did not makeauthorize, please notify us or Clearing Firm at once following the procedures stated in the below sub-section captioned “Information About Your Right to Dispute Errors.” once. If you do not notify us or Clearing Firm within sixty (60) days after you become aware of the transaction(s) and/or the statement Account Statement was made available to youmailed, you may not get back any of the value money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking value the unauthorized Transfer if you had notified us or Clearing Firm in time. If a good reason (such as a long trip or a hospital stay) kept keeps you from telling usnotifying us or Clearing Firm, we will extend the time periodsperiods above may be extended. If your CardAccount is an institutional (Corporation, PIN 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 Account number has been lost or stolen, we will close your Card and/or Account to keep losses down and send you a replacement Card and/or Account numberClearing Firm.

Your Liability for Unauthorized Transfers. a. Contact You agree to exercise reasonable control over your PIN (“Access Code”); user ID; and password and any other access code related to your Card Account (each, an “Access Code") and your Card. Tell us at once AT ONCE if you believe your Card, PIN Card or Account number has been stolen. Telephoning is the best way to minimize your possible losses. If your Card, PIN or Account number Access Code 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 someone you believe an electronic transfer has transferred or may transfer money from your Account been made without your permission, call (000) tell us at once. Telephoning the toll-free number on the back of your Card or calling 0-000-0000000-0000 is the best way of keeping your possible losses down. You could lose all of the money in your Card Account. 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, PIN or Account number without your permission. If you do not notify tell us within two (2) business days after you learn of the loss or theft of your Card, Account number you can lose no more than $50.00 if someone used your Card without your permission. If you do NOT tell us within two (2) business days after you learn of the loss or PIN theft of your Card, and we can prove that we could have stopped someone from using your Account Card without your permission if you had promptly notified told us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with 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 ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. 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 below sub-section captioned “Information About Your Right to Dispute Errors.” If you do not notify tell us within sixty (60) days after you become aware the earlier of the transaction(s) and/or date you electronically access your Card Account or the statement was made available to youdate we sent the FIRST written history on which the error appeared, you may not get back any of the value money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking value the money if you had notified told us in time. If a good good, documented, reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If your Card, PIN or Account number has been lost or stolen, we will close your Card and/or Account to keep losses down and send you a replacement Card and/or Account number.

Your Liability for Unauthorized Transfers. a. Contact 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 Card, PIN account without your permission. Notifying us or Account number has been stolen. Telephoning is the best way to Clearing Firm as soon as possible by telephone could minimize your possible losses. If your Card, PIN or Account number has been lost or stolen, or someone has transferred or may transfer money from your Account without your permission, call (000) 000-0000. 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, PIN or Account number without your permission. If you do not notify us Clearing Firm within two (2) business days after you learn of the loss unauthorized Transfer, you can lose no more than $50.00. If you do not notify us or theft Clearing Firm within two (2) business days after you learn of your Cardthe unauthorized Transfer, Account number or PIN and we can prove that we you could have stopped someone from using your Account without your permission making the unauthorized Transfer if you had promptly notified usus or Clearing Firm, then you could can lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, . Should your liability for unauthorized Visa debit transactions made with 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 ATM transactions outside the U.S. You must notify us immediately of Account Statement show any unauthorized use. c. Also, if you become aware of and/or your statement shows transactions Transfer that you did not makeauthorize, please notify us or Clearing Firm at once following the procedures stated in the below sub-section captioned “Information About Your Right to Dispute Errors.” once. If you do not notify us or Clearing Firm within sixty (60) days after you become aware of the transaction(s) and/or the statement Account Statement was made available to youmailed, you may not get back any of the value money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking value the unauthorized Transfer if you had notified us or Clearing Firm in time. If a good reason (such as a long trip or a hospital stay) kept keeps you from telling usnotifying us or Clearing Firm, we will extend the time periodsperiods above may be extended. If your CardAccount is an institutional (Corporation, PIN 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 Account number has been lost or stolen, we will close your Card and/or Account to keep losses down and send you a replacement Card and/or Account numberClearing Firm.

Your Liability for Unauthorized Transfers. a. All transactions including your Card are subject to all applicable agreements, rules and regulations of the Bank relating to the debit card program that are now in effect or as they may hereafter be amended, modified or adopted. You could lose all the money in your account (plus your maximum overdraft line of credit). If your Card and/or PIN is lost, stolen, or used without your permission, you agree to notify us immediately and to promptly confirm such notice in writing. Your liability for transactions with your Card and/or PIN will continue until 2 business days after the day we receive such written notice. If you do not notify us within 60 days from when the periodic statement containing an unauthorized transaction was first mailed or made available to you, we will be entitled to treat the information in the periodic statement as correct, and you will be precluded from asserting otherwise. Contact in Event of Unauthorized Transfer. Tell us at once AT ONCE if you believe your Card, Card and/or PIN or Account number has been lost or stolen. Telephoning is the best way to minimize of keeping your possible losseslosses down. If you believe your Card, Card and/or PIN or Account number has been lost or stolen, or someone has transferred or may transfer money from your Account account without your permission, call (000) 0-000-0000000-0000 or write: Nodaway Valley Bank, Attn: Customer Service Center, 000 X. Xxxx Xxxxxx, XX Xxx 000, Xxxxxxxxx, XX 00000. If You may also give us notice in person by coming to any of our branch locations. Our business hours are Monday through Friday, and Saturdays at some locations. Holidays are not included. MEANS OF IDENTIFICATION. You will be issued a Personal Identification Number (“PIN”) (that you notify us within two (2may change at your discretion) business days after to enable you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used the Card, PIN or Account number 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, Account number or PIN and we can prove that we could have stopped someone from to be identified when using your Account without your permission if you had promptly notified us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with 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 for ATM transactions outside and for certain POS Transactions. Separate PINs will be issued for each individual Cardholder. The Card and the U.S. PIN are to be used as instructed and you agree not to disclose your PIN in any manner whatsoever to anyone. You must notify us immediately of any unauthorized use. c. Also, if you become aware of and/or may also be identified by your statement shows transactions that you did not make, notify us signature on the sales slip at once following the procedures stated in the below sub-section captioned “Information About Your Right to Dispute Errors.” If you do not notify us within sixty (60) days after you become aware of the transaction(s) and/or the statement was made available to you, you may not get back any of the value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking value if you had notified us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If your Card, PIN or Account number has been lost or stolen, we will close your Card and/or Account to keep losses down and send you make a replacement Card and/or Account numberPOS Transaction.

Your Liability for Unauthorized Transfers. a. Contact Please tell us at once AT ONCE if you believe your Visa Check Card, your Fidelity Bank credit card, or your PIN or Account number has been stolenlost 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 to minimize of keeping your possible losseslosses down. You could lose all the money in your account, plus the maximum amount of any line of credit linked to your account (such as a Checking Reserve or Equity Reserve account). If you believe your Card, PIN or Account number Visa Check Card has been lost or stolen, or someone has transferred or may transfer money from your Account without your permission, call (000) 000-0000. If and you notify tell us within two (2) business days after you learn of any unauthorized transactionsthe loss or theft, you can lose no more than $50.00 if someone used the Card, PIN or Account number without for unauthorized transactions using your permissioncard. If you do not notify NOT tell us within two (2) business days after you learn of the loss or theft of your Cardcard, Account number or PIN and we can prove that we could have stopped someone from using your Account card without your permission if you had promptly notified told us, you could can lose as much as no more than $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability 500 for unauthorized Visa debit transactions made transactions. Losses could include not only the money in your account, but also advances on any credit line associated with the Card is $0.00 if you are not negligent or fraudulent in the handling of the Cardyour account. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Also, if you become aware of and/or your statement shows transactions transfers that you did not make, notify including those made by card, PIN or other means, tell us at once following the procedures stated in the below sub-section captioned “Information About Your Right to Dispute Errors.” once. If you do not notify tell us within sixty (60) 60 days after you become aware of the transaction(s) and/or the statement was made available mailed to you, you may not get back any of the value money you lost after the sixty (60) 60 days if we can prove that we could have stopped someone from taking value the money if you had notified told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will may extend the time periods. If Remember, if you maintain the confidentiality of your CardPIN, it will reduce the possibility of the unauthorized use of your card. Do not write your PIN number on your card or Account number has been lost or stolen, we will close your Card and/or Account to keep losses down and send you a replacement Card and/or Account numbercredit card.

Your Liability for Unauthorized Transfers. a. Contact Tell us at once AT ONCE if you believe your Card, PIN or Card Account number or PIN has been stolenlost or stolen or funds have been transferred from your Account without your permission. You could lose all the money in your Account. Telephoning is the best way to minimize your possible losses. If your Card, PIN or Account number has been lost or stolen, or someone has transferred or You may transfer money from your Account without your permission, call (us at 000) -000-0000. If you notify tell us within two (2) business days after you learn of any unauthorized transactionsthe loss or theft of your Card, Card Account number or PIN, you can lose no more than $50.00 50 if someone used the your Card, PIN or Card Account number or PIN without your permission. If you do not notify NOT tell us within two (2) business days after you learn of the loss or theft of your Card, PIN or Account number or PIN number, and we can prove that we could have stopped someone from using your Card, PIN, or Account number without your permission if you had promptly notified told us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card500. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Also, if you become aware of and/or your statement online (electronic) or written transaction history shows transactions that you did not make, notify us at once following the procedures stated in the below sub-section captioned paragraph labeled “Information About Your Right to Dispute Errors.” If you do not notify us in writing within sixty (60) days after you: (i) you become aware electronically access your Account information or (ii) we provide you with a written history of the transaction(s) and/or the statement was made available to youyour Account transactions,, you may not get back any of the value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the value if you had notified us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time 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 limited 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 Card, PIN Card or Account Card number has been lost or stolen, stolen please notify us immediately and we will close inactive your Card and/or Account to keep losses down and send you a replacement Card and/or at no charge. In some cases, we may close your Card Account numberor Card 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. a. Contact us You must contact Synapse, by calling at once +0(000) 000-0000 or emailing xxxx@xxxxxxxxx.xxx if you believe your Card, PIN or Account number has been stolen. Telephoning is the best way to minimize your possible losses. If your Card, PIN was stolen or Account number has been lost or stolen, or if you believe someone has transferred or may transfer money from your Account without permission. If your permissionaccount number was stolen or if you believe someone has transferred or may transfer money from your Account without permission contact us immediately through Synapse, call (000) 000-0000at the number specified above. 6.8.1. If you notify us within two (2) business days after you learn of any unauthorized transactionstransaction, you can lose no more than $50.00 if someone used the Card, PIN or your Account number 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, Account number or PIN and we can prove that we could have stopped someone from using your Account without your permission if you had promptly notified us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card6.8.2. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Also, if 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 section below sub-section captioned “Information About Your Right to Dispute ErrorsErrors and Disputes.” If you do not notify us within sixty (60) days after (i) you become aware of the transaction(s) and/or (ii) the statement was made available to you, you may not get back any of the value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking value if you had notified us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If your Card, PIN or Account number has been lost or stolenAfter receiving notice from you of such an event, we will close your Card and/or Account to keep losses down and send issue you a replacement Card and/or new Account number. 6.8.3. If your Account number changes, you must immediately notify your employer or any other payors or merchants. You must provide them with your new Account number to ensure that your direct deposit and/or payments activity continues uninterrupted. 6.8.4. If you furnish your access device and grant actual authority to make transfers to someone who then exceeds that authority, you will be liable for the transfers the person makes unless we have been notified that transfers by that person are no longer authorized. If you claim a credit or refund because of a forgery, alteration, or any other unauthorized withdrawal, you agree to cooperate with us in the investigation of the loss, including giving us an affidavit containing whatever reasonable information we require concerning your Account, the transaction, and the circumstances surrounding the loss. You will notify law enforcement authorities of any criminal act related to the claim of lost, missing, or stolen checks or unauthorized withdrawals. We will have a reasonable period of time to investigate the facts and circumstances surrounding any claim of loss. Unless we have acted in bad faith, we will not be liable for any special or consequential damages, including loss of profits or opportunity, or for attorneys’ fees incurred by you. You agree that you will not waive any rights you have to recover your loss against anyone who is obligated to repay, insure, or otherwise reimburse you for your loss. You will pursue your rights or, at our option, assign them to us so that we may pursue them. Our liability will be reduced by the amount you recover or are entitled to recover from these other sources. Concerning each item you deposit with us, or which we cash for you or give other consideration, you make the following warranties to us whether Bank is the payor bank or depository bank: all necessary signatures and endorsements have been placed on the time and are genuine, the item has not been materially altered and you have good title to it, and no defense of any party to the item is good against you. If any such warranty is breached, we may deduct the amount of the item from any of your accounts or otherwise collect from you this amount plus expenses.

Your Liability for Unauthorized Transfers. a. Contact You must contact us immediately at once 0-000-000-0000 if you believe your the Card, PIN or Varo Bank Account number has been stolen. Telephoning is the best way to minimize , compromised, or your possible losses. If your Card, PIN or Account number account has been lost or stolen, or someone has transferred or may transfer money from your Account used without your permission, call (000) 000-0000. 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, PIN or Account number 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, Account number or PIN and we can prove that we could have stopped someone from using your Account without your permission if you had promptly notified us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating RegulationsCore Rules, your liability for unauthorized Visa debit transactions made with 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 Visa, or to ATM transactions outside anonymous prepaid cards (until such time as the U.S. identity of the cardholder has been registered with us). You must notify us immediately of any unauthorized use. c. . 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. If you do not notify us within two (2) business days after you learn of the loss 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 could lose as much as $500.00. Also, if you become aware of and/or your statement shows transactions that you did not makeauthorize, notify us Xxxx at once following the procedures stated in the below sub-section paragraph captioned “"Information About Your Right to Dispute Errors.” ". If you do not notify us within sixty (60) days after you become aware of the transaction(s) and/or the statement was made available to you, you may not get back any of the value you lost after the sixty (60) days if we can prove that we someone could have been stopped someone from taking value if you had notified provided us notice in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If your Card, PIN or Varo Bank Account number has been lost lost, stolen or stolencompromised, we will close your deactivate the Card and/or Varo Bank Account to keep losses down prevent further transactions from occurring and send you a replacement Card and/or Varo Bank Account numberNumber. If your 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 number to ensure your direct deposit and/or ACH Debit activity continues uninterrupted.

Your Liability for Unauthorized Transfers. a. Contact us at once You agree to take all the necessary steps to protect your Card. You may immediately block or suspend any activity on your Card through the App. if you believe your Card, PIN or Account number has been stolen. Telephoning is the best way to minimize your possible losses. If your Card, PIN or Account number Card has 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 (000) 000-0000us at the Customer Service number above. 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 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 card from loss or theft; and you promptly reported loss or theft to us. If you notify us within two (2) business days after believe there has been unauthorized use of your account and you learn meet the conditions above, rest easy knowing you have the protection of any Mastercard’s Zero Liability promise. For additional protections with respect to unauthorized transactions, you can lose no more than $50.00 if someone used the Card, PIN or Account number without your permissionplease contact us at1(800) 000 0000. If you do not notify us within two (2) business days after you learn of the loss or theft of your Card, Account number or PIN and we can prove that we could have stopped someone from using your Account without your permission if you had promptly notified us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card. This reduced liability Note: Zero Liability does not apply to certain commercial card transactionsunregistered prepaid cards, transactions not processed by Visa or to ATM transactions outside such as the U.S. You must notify us immediately of any unauthorized use. c. Purewrist GO Starter Card. 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 below sub-section captioned paragraph labeled “Information About Your Right to Dispute Errors.” If you do not notify us in writing within sixty (60) days after you become aware of the transaction(s) transaction and/or after the statement was made available to you, you may not get back any of the value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the value if you had notified us in timetime and you are grossly negligent or fraudulent in the handling of your Card. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If your Card, PIN or Account number Card has been lost or stolen, stolen please notify us immediately and we will close inactive your Card and/or Account to keep losses down and send you a replacement Card. In some cases, we may close your Card and/or Account numberto keep losses down. Upon your request, we may provide you with a replacement Card Account.

Your Liability for Unauthorized Transfers. a. Contact Tell us at once AT ONCE if you believe your Frost Bank ATM Card, Debit Card or similar card, or your Frost Bank User ID, PIN or other device or code which accesses your Account number has been stolenlost, stolen or otherwise learned or acquired by an unauthorized person, or if you believe that an electronic funds transfer has been made without your permission using information from your check or otherwise. Telephoning is the The best way to minimize your possible lossesloss is to call us immediately. If The unauthorized use of your Cardcard or PIN could cause you to lose all of your money in your Accounts, PIN or Account number has been lost or stolen, or someone has transferred or may transfer money from plus any amount available under your Account without your permission, call (000) 000-0000. If you notify us within two (2) business days after you learn of any unauthorized transactions, you can lose no more than $50.00 overdraft protection if someone used the Card, PIN or Account number 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, Account number or PIN and we can prove that we could have stopped someone from using your Account without your permission if you had promptly notified us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling of the Carda timely manner. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Also, if you become aware of and/or your Account statement shows transactions transfers that you did not make, notify including those made by card, code or other means, tell us at once following the procedures stated in the below sub-section captioned “Information About Your Right to Dispute Errors.” If once. You will have no liability for unauthorized transactions if you do not notify us within sixty (60) calendar days after the statement showing the transaction has been mailed to you. If you become aware of the transaction(sdo not tell us within sixty (60) and/or calendar days after the statement was made available mailed to you, you may not get back any of the value money you lost after the sixty (60) calendar days if we can prove that we could have stopped someone from taking value the money if you had notified told us in time. If a good valid reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If For transactions processed through the Visa or MasterCard system (for example, use of your Cardpersonal Debit Card when no PIN is used), PIN liability limits differ from those set forth above. For transactions processed through the Visa or Account number has been lost or stolenMasterCard system, you will have no liability for unauthorized transactions in accordance with each network’s respective policies regarding “zero liability” if you promptly report the unauthorized transactions to us. For Visa transactions, we will close may impose greater liability, to the extent allowed by law, if we reasonably determine that you were negligent or fraudulent in the handling of your Account or your personal Debit Card. For MasterCard transactions, we may impose greater liability, to the extent allowed by law, if we reasonably determine that you did not exercise reasonable care in safeguarding your personal Debit Card and/or Account from the risk of loss or theft. We may reasonably determine that you were negligent or that you failed to keep losses down and send exercise reasonable care, for instance, if you a replacement Card and/or Account numberdo not promptly report one or more unauthorized transactions to us.

Your Liability for Unauthorized Transfers. a. 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. Click “Card Lock” from the Privacy page in the AnyDay Mobile Application. Contact us at once if you believe your Card, PIN or Account number Card has been lost or stolen. Telephoning is the best way to minimize If you believe your possible losses. If your Card, PIN or Account number Card has been lost or stolen, or that someone has transferred or may transfer money from your Card Account without your permission, call (000) us at 1-(877)- 000-0000. 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 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 after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used the Card, PIN or Account number 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, Account number or PIN Card and we can prove that we could have stopped someone from using your Account Card without your permission if you had promptly notified us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with 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 ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. 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 below sub-section captioned paragraph labeled “Information About Your Right to Dispute Errors.” ”. If you do not notify us in writing within sixty (60) days after you become aware of the transaction(s) transaction and/or after the statement was made available to you, you may not get back any of the value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the value if you had notified us in timetime and you are grossly negligent or fraudulent in the handling of your Card. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If your Card, PIN or Account number Card has been lost or stolen, we will close your Card and/or Account to keep losses down and send you down. To obtain a replacement Card and/or Account numbercard, call 0-(000)-000-0000.

Your Liability for Unauthorized Transfers. a. Contact us at once You must report to the credit union AT ONCE if you believe your Cardaccount number, PIN PIN, or Account number any other code, password, or other means of identification we have provided to you has been stolen, disclosed to or used by an unauthorized person. Enabling your computer to memorize or save your password or other security codes shall be considered authorization for any subsequent use of your computer and access to eBanking, mobile banking, or eBill Pay by any other person. Telephoning the credit union is the best way to minimize your possible losses. If your Card, PIN or Account number has been lost or stolen, or someone has transferred or may transfer money from your Account without your permission, call (000) 000-0000keep losses at a minimum. 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, PIN or Account number without your permission. If you do not notify us within two (2) business days after you learn of the loss or theft of your Cardcard or PIN, Account number you can lose no more than $50 if someone used your card or PIN or accessed your account without permission. If you do NOT notify us within two (2) business days after you learn of the theft or unauthorized use of your account number, PIN or any other code, password, or other means of identification we have provided to you and we the credit union can prove that we it could have stopped someone from using your Account identification or password without your permission if you had promptly notified ustold the credit union, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card500. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Also, if you become aware of and/or your statement shows transactions transfers that you did not makeauthorize, notify tell us at once following the procedures stated in the below sub-section captioned “Information About Your Right to Dispute Errors.” once. If you do not notify tell us within sixty (60) days after you become aware of the transaction(s) and/or the statement was made available delivered to you, you may not get back any of the value money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking value the money if you had notified told us in time. If a good reason (such as a hospital stay or long trip or a hospital staytrip) kept you from telling usus of the unauthorized transfer, we will may extend the time periodsnotice period, as deemed reasonable. If your Cardyou believe the account number, PIN PIN, or Account number any other code, password, or other means of identification we have provided to you has been lost or lost, stolen, we will close disclosed to or used by an unauthorized person or that someone has transferred or may transfer money from your Card and/or Account to keep losses down and send you a replacement Card and/or Account numberaccount without your permission, call or write us at the telephone number or address indicated in this Agreement.

Your Liability for Unauthorized Transfers. a. Contact us at once if you believe your Card, PIN or Account number Card has been lost or stolen. Telephoning is the best way to minimize your possible losses. If you believe your Card, PIN or Account number Card has been lost or stolen, or that someone has transferred or may transfer money from your Card Account without your permission, call (000) 000-0000000-0000 or visit xxx.xxxx.xxx. If Under Mastercard Rules, you will not be held responsible for unauthorized transactions if you have used reasonable care in protecting your Card from loss or theft and you have promptly reported to us when you knew that your Card was lost or stolen. Zero Liability does not apply to Mastercard payment cards that are used for commercial purposes, or anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us). In the event that Mastercard Zero Liability does not apply, if you notify us within two (2) business days after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used the Card, PIN or Account number 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, Account number or PIN Card and we can prove that we could have stopped someone from using your Account Card without your permission if you had promptly notified us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with 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 ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. 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 below sub-section captioned paragraph labeled “Information About Your Right to Dispute Errors.” If you do not notify us within sixty (60) days after you become aware of the transaction(s) transaction and/or after the statement transaction history was made available to you, you may not get back any of the value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the value if you had notified us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If your Card, PIN or Account number Card has been lost or stolen, we will close your Card and/or Account to keep losses down and will send you a replacement Card and/or Account numbercard.

Your Liability for Unauthorized Transfers. a. Contact us at once Customer Service immediately if you believe your Card, PIN or Goal Account number has been stolen. Telephoning is the best way to minimize your possible losses. If you believe your Card, PIN or Goal Account number has been lost or stolen, or that someone has transferred or may transfer money from your Goal Account without your permission, call (000) 000-0000contact Customer Service. If you notify us Customer Service 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, PIN or your Goal Account number without your permission. If you do not notify us Bank within two (2) business days after you learn of the loss or theft of your Card, Goal Account number or PIN and we Bank can prove that we Bank could have stopped someone from using your Goal Account without your permission if you had promptly notified us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with 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 ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Also, if you become aware of and/or your statement shows transactions that you did not make, notify us Customer Service at once following the procedures stated in the Section 3.6 below sub-section captioned “labeled "Information About Your Right to Dispute Errors.” " If you do not notify us Bank within sixty (60) days after you become aware of the transaction(s) and/or the statement was made available to you, you may not get back any of the value you lost after the sixty (60) days if we Bank can prove that we Bank could have stopped someone from taking value if you had notified us Bank in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we Bank will extend the time periods. If your Card, PIN or Goal Account number has been lost or stolen, we Bank will close your Card and/or Goal Account to keep losses down and send or issue you a replacement Card and/or new Goal Account number.

Your Liability for Unauthorized Transfers. a. Contact us at once if you believe your Card, PIN or Account number Card has been lost or stolen. Telephoning is the best way to minimize your possible losses. If you believe your Card, PIN or Account number Card has been lost or stolen, or that someone has transferred or may transfer money from your Card Account without your permission, call (000) 000-0000000-0000 or visit xxx.xxxx.xxx. If 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 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, PIN or Account number 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, Account number or PIN Card and we can prove that we could have stopped someone from using your Account Card without your permission if you had promptly notified us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with 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 ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. 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 below sub-section captioned paragraph labeled “Information About Your Right to Dispute Errors.” If you do not notify us within sixty (60) days after you become aware of the transaction(s) transaction and/or after the statement [statement/transaction history] was made available to you, you may not get back any of the value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the value if you had notified us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If your Card, PIN or Account number Card has been lost or stolen, we will close your Card and/or Account to keep losses down and will send you a replacement Card and/or Account numbercard. There is a fee for replacing your Card. For information about the fee, see the section labeled “Fee Schedule.”

Your Liability for Unauthorized Transfers. a. Contact Tell us at once AT ONCE if you believe your Card, Card or PIN or Account number has been stolen. Telephoning is the best way to minimize your possible losses. If your Card, PIN or Account number has been lost or stolen, . Reporting your Card lost or someone has transferred stolen online at xxx.xxxxxxxx.xxx or may transfer calling us at the number on the back of your Card is the best way of keeping your possible losses down. You could lose all the money from on your Account without your permission, call (000) 000-0000Card. If you notify tell us within two (2) business days after you learn learning of any unauthorized transactionsthe loss or theft of your Card or PIN, you can lose no more than $50.00 50 if someone used the Card, your Card or PIN or Account number without your permission. If you do not notify NOT tell us within two (2) business days after you learn of the loss or theft of your CardCard or PIN, Account number or PIN and we can prove that we could have stopped someone from using your Account Card or PIN without your permission if you had promptly notified told us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability 500. (Note: You will not be liable for unauthorized Visa debit transactions made with the Card is $0.00 if amounts stated above unless we determine that you are not were grossly negligent or fraudulent in the handling of the your Card. This reduced liability .) You agree that any unauthorized use does not apply include use by a person to certain commercial card transactions, transactions not processed whom you have given authority to use the Card or PIN and that you will be liable for all such uses by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. such person. Also, if you become aware of and/or your statement on-line or paper transaction history shows transactions transfers that you did not make, notify including those made by your Card, PIN or other means, tell us at once following the procedures stated in the below sub-section captioned “Information About Your Right to Dispute Errors.” once. If you do not notify tell us within sixty 60 days after: (60i) days after you become aware electronically access your Card information at xxx.xxxxxxxx.xxx; or (ii) we provide you with a written history of the transaction(s) and/or the statement was made available to youyour Card transactions, you may not get back any of the Card value you lost after the sixty (60) 60 days if we can prove that we could have stopped someone from taking the Card value if you had notified told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If your Card, PIN or Account number has been lost or stolen, we will close your Card and/or Account to keep losses down and send you a replacement Card and/or Account number.

Your Liability for Unauthorized Transfers. a. 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. Click “Card Lock” from the Privacy page in the AnyDay Mobile Application. Contact us at once if you believe your Card, PIN or Account number Card has been lost or stolen. Telephoning is the best way to minimize If you believe your possible losses. If your Card, PIN or Account number Card has been lost or stolen, or that someone has transferred or may transfer money from your Card Account without your permission, call (000) us at 1-(877)- 000-0000. 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 fraudulent in the handling of your Card. This reduced liability does not apply to PIN transactions not processed by Discover or to ATM cash withdrawals. 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, PIN or Account number 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, Account number or PIN Card and we can prove that we could have stopped someone from using your Account Card without your permission if you had promptly notified us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with 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 ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. 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 below sub-section captioned paragraph labeled “Information About Your Right to Dispute Errors.” ”. If you do not notify us in writing within sixty (60) days after you become aware of the transaction(s) transaction and/or after the statement was made available to you, you may not get back any of the value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the value if you had notified us in timetime and you are grossly negligent or fraudulent in the handling of your Card. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If your Card, PIN or Account number Card has been lost or stolen, we will close your Card and/or Account to keep losses down and send you down. To obtain a replacement Card and/or Account numbercard, call 0-(000)-000-0000.

Your Liability for Unauthorized Transfers. a. Contact You must contact us immediately via the App (if available), or by calling us at once 0-000-000-0000 if you believe your the Card, PIN PIN, or Bank Account number has been stolen. Telephoning is the best way to minimize , compromised, or your possible losses. If your Card, PIN or Bank Account number has been lost or stolen, or someone has transferred or may transfer money from your Account used without your permission, call (000) 000-0000. 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, PIN or Account number 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, Account number or PIN and we can prove that we could have stopped someone from using your Account without your permission if you had promptly notified us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating RegulationsCore Rules, your liability for unauthorized Visa debit transactions made with 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 Visa, or to ATM transactions outside anonymous prepaid cards (until such time as the U.S. identity of the cardholder has been registered with us). You must notify us immediately of any unauthorized use. c. . 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. If you do not notify us within two (2) business days after you learn of the loss 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 could lose as much as $500.00. Also, if you become aware of and/or your statement shows transactions that you did not makeauthorize, notify us Xxxx at once following the procedures stated in the below sub-section paragraph captioned “"Information About Your Right to Dispute Errors.” " If you do not notify us within sixty (60) days after you become aware of the transaction(s) and/or the statement was made available to you, you may not get back any of the value you lost after the sixty (60) days if we can prove that we someone could have been stopped someone from taking value if you had notified provided us notice in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will may extend the time periods. If your Card, PIN PIN, or Bank Account number has been lost lost, stolen, or stolencompromised, we will close your deactivate the Card and/or Bank Account to keep losses down prevent further transactions from occurring and send you a replacement Card and/or Bank Account numberNumber.

Your Liability for Unauthorized Transfers. a. Contact If you disclose your password to anyone, you 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 at once AT ONCE if you believe your Card, PIN or Account number has been stolen. Telephoning is the best way to minimize your possible losses. If your Card, PIN or Account number password has been lost or stolen, or someone if you believe that an electronic funds transfer has transferred or may transfer money from your Account without your permission, call (000) 000-0000. 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, PIN or Account number been made without your permission. Telephoning is the best way of keeping your possible losses 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 do not notify tell us within two (2) business days Business Days after you learn of the loss or theft of your Cardpassword, Account number you can lose no more than $50 if someone used your password without your permission . If you do NOT tell us within two Business Days after you learn of the loss or PIN theft of your password, and we can prove that we could have stopped someone from using your Account password without your permission if you had promptly notified told us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card500. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. • Also, if you become aware of and/or your periodic statement shows transactions transfers that you did not make, notify including those made by using your password, tell us at once following the procedures stated in the below sub-section captioned “Information About Your Right to Dispute Errors.” once. If you do not notify tell us within sixty (60) 60 days after you become aware of the transaction(s) and/or the statement was made available or transmitted to you, you may not get back any of the value money you lost after the sixty (60) 60 days if we can prove that we could have stopped someone from taking value your money if you had notified told us in on time. • If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will may extend the time periods. If your CardYou may notify us by telephone by calling (000) 000-0000. You may also notify us in person by visiting one of our branches or notify us in writing at BCU, PIN or Account number has been lost or stolen000 X. Xxxxxxxxx Xxxxxx, we will close your Card and/or Account to keep losses down and send you a replacement Card and/or Account numberXxxxxx Xxxxx, XX 00000.

Your Liability for Unauthorized Transfers. a. Contact us at once if ‌ If you permit other persons to use Payments and Transfers or your Password, you are responsible for any transactions they authorize from your accounts. If you believe that your Card, PIN or Account number has been stolen. Telephoning is the best way to minimize your possible losses. If your Card, PIN or Account number Password has been lost or stolen, stolen or that someone has transferred or may transfer money from your Account account without your permission, call (notify us AT ONCE, by calling 0-000) -000-0000 or writing us at Online Customer Service, P. O. Xxx 0000, Xxxxxxx, XX 00000-0000. 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 or prepaid accounts. Telephoning us is the best and fastest way of keeping your possible losses 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 within two (2) business days Business Days after you learn of any unauthorized transactionsdiscover the loss or theft, you can lose no more than $50.00 are completely covered if someone used the Card, PIN or Account number makes a transfer without your permissionauthorization. If you do not notify tell us within two (2) business days Business Days after you learn of discover the loss or theft of your CardPassword or that an unauthorized online transfer has been made from any of your deposit or prepaid accounts, Account number or PIN and we can prove that we could have stopped someone from using your Account making a transfer without your permission authorization if you had promptly notified told us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card500. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. AlsoFurthermore, if you become aware of and/or your any account statement shows transactions online transfers that you did not make, notify tell us at once following the procedures stated in the below sub-section captioned “Information About Your Right to Dispute Errors.” AT ONCE. If you do not notify tell us within sixty (60) days after you become aware of the transaction(s) and/or the a statement showing such a transfer was made available transmitted to you, you may not get back any of the value money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking value the money if you had notified told us in time. If a good reason (reason, such as a long trip or a hospital stay) , kept you from telling us, we will extend the time periods. If your Card, PIN or Account number has been lost or stolen, we will close your Card and/or Account to keep losses down and send you a replacement Card and/or Account number.

Your Liability for Unauthorized Transfers. a. Contact 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 AT ONCE if you believe your Card, PIN Card or Account number has been stolen. Telephoning is the best way to minimize your possible losses. If your Card, PIN or Account number 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 someone you believe an electronic transfer has transferred or may transfer money from your Account been made without your permission, call (000) tell us at once. Telephoning us at 000-0000000-0000 is the best way of keeping your possible losses down. You could lose all of 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 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 have a verified/personalized card the following provisions of this Section also apply: If you tell us within two (2) business days after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used the Card, PIN or Account number without your permission. If you do not notify us within two (2) 2 business days after you learn of the loss or theft of your Card, Account number Card or PIN Access Information you can lose no more than $50 if someone used your Card or Access Information without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft of your Card or Access Information and we can prove that we could have stopped someone from using your Account Card or Access Information without your permission if you had promptly notified ustold us within this time frame, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, 500 if someone used your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling of the CardAccess Information without your permission. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Also, if you become aware of and/or your statement electronic history shows transactions that you did not make, notify including those made by Card, Access Information or by other means, tell us at once following the procedures stated in the below sub-section captioned “Information About Your Right to Dispute Errors.” AT ONCE. If you do not notify tell us within sixty (60) 120 days after you become aware of the transaction(s) and/or the statement alleged unauthorized transfer was made available credited or debited to youyour Card Account, you may not get back any of the value money you lost after the sixty (60) days this period if we can prove that we could have stopped someone from taking value the money if you had notified told us in time. If a good reason (such as a long trip or a hospital stay) kept you from learning of the unauthorized transaction and telling us, we will extend the time periods. If your Card, PIN or Account number has been lost or stolen, we will close your Card and/or Account to keep losses down and send you periods for a replacement Card and/or Account numberreasonable period in our sole discretion.

Your Liability for Unauthorized Transfers. a. Contact You must contact us immediately at once 0-000-000-0000 if you believe your the Card, PIN or Varo Bank Account number has been stolen. Telephoning is the best way to minimize , compromised, or your possible losses. If your Card, PIN or Account number account has been lost or stolen, or someone has transferred or may transfer money from your Account used without your permission, call (000) 000-0000. 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, PIN or Account number 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, Account number or PIN and we can prove that we could have stopped someone from using your Account without your permission if you had promptly notified us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating RegulationsCore Rules, your liability for unauthorized Visa debit transactions made with 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 Visa, or to ATM transactions outside anonymous prepaid cards (until such time as the U.S. identity of the cardholder has been registered with us). You must notify us immediately of any unauthorized use. c. . 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. If you do not notify us within two (2) business days after you learn of the loss 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 could lose as much as $500.00. Also, if you become aware of and/or your statement shows transactions that you did not makeauthorize, notify us Xxxx at once following the procedures stated in the below sub-section paragraph captioned “"Information About Your Right to Dispute Errors.” ". If you do not notify us within sixty (60) days after you become aware of the transaction(s) and/or the statement was made available to you, you may not get back any of the value you lost after the sixty (60) days if we can prove that we someone could have been stopped someone from taking value if you had notified provided us notice in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If your Card, PIN or Varo Bank Account number has been lost lost, stolen or stolencompromised, we will close your de-activate the Card and/or Varo Bank Account to keep losses down prevent further transactions from occurring 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 payors or merchants. You must provide them with the new Varo Bank Account number to ensure your direct deposit and/or ACH Debit activity continues uninterrupted.

Your Liability for Unauthorized Transfers. a. Contact If you believe any of your Access Codes has been lost or stolen, you should notify us and change your password immediately. Tell us at once if you believe your Cardstatement, PIN account or Account number transaction information, or security information has been lost, stolen, or compromised. Telephoning Contacting us by phone is the best way to minimize of keeping your possible losseslosses down. If You could lose all the money in your Cardaccount, PIN or Account number has been lost or stolenas well as your maximum overdraft limit, or someone has transferred or may transfer money from your Account without your permission, call (000) 000-0000if applicable. If you notify tell us within two (2) business days after you learn of any unauthorized transactionsdays, you can lose no more than $50.00 if someone used the Card, PIN or Account number your security information without your permission. If you do not notify tell us within two (2) business days after you learn of the loss or theft of your Cardsecurity information, Account number or PIN and we can prove that we could have stopped someone from using your Account security information without your permission if you had promptly notified us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with 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 ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Also, if you become aware of and/or If your statement shows transactions transfers that you did not make, notify tell us at once following the procedures stated in the below sub-section captioned “Information About Your Right to Dispute Errors.” once. If you we do not notify us receive notification from you within sixty (60) calendar days after you become aware of the transaction(s) and/or the statement was made available to youdate, you may not get back be entitled to any type of account re-credit for lost funds. We will tell you the value you lost results of our investigation within ten business days after the sixty (60) days if we can prove that we could have stopped someone hear from taking value if you had notified us in timeyou, and will correct any error promptly. If a good reason (such as a long trip we need more time, however, we may take up to forty-five calendar days to investigate your complaint or a hospital stay) kept you from telling usquestion. If we determine we need this extra time, we will extend 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 periodsit takes us to complete our investigation. If we ask you to put your Cardcomplaint or question in writing and we do not receive it within ten business days, PIN or Account number has been lost or stolenwe may not provisionally credit your account. If we decide that there was no error, we will close your Card and/or Account to keep losses down and send you a replacement Card written explanation within three business days after we finish our investigation. You may ask for copies of the documents we used in our investigation. 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 credit union does not guarantee that downloads from the site will be free of any viruses or other destructive devices. Additionally, you provide, request, and receive information from the site with the knowledge that such information can be intercepted and/or Account numberviewed by unknown third parties.

Your Liability for Unauthorized Transfers. a. Contact us at once Tell FSB AT ONCE if you believe your CardATM card, PIN debit card, Personal Identification Number (PIN) or Account number similar code has been stolen. Telephoning is the best way to minimize your possible losses. If your Cardlost, PIN or Account number has been lost or stolen, or someone learned by an unauthorized person, or if you believe that an electronic fund transfer has transferred or may transfer money been made without your permission using information from your Account without your permission, call (000) 000-0000check. If you notify us tell FSB within two (2) business days after you learn of any unauthorized transactionsthe loss or theft, you can lose no more than $50.00 if 50 for an unauthorized electronic funds transfer or a series of related unauthorized transfers should someone used the Card, PIN use your card or Account number code without your permission. If you do not notify us NOT tell FSB within two (2) business days after you learn of the loss or theft of your Card, Account number card or PIN code and we can prove that we FSB could have stopped someone from using your Account card or code without your permission if you had promptly notified ustold FSB, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling 500. Your losses could include all of the Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Alsomoney in your account plus, if you become aware of and/or have an overdraft protection plan linked to your account, any transfers from another account, or any advances on a credit line or credit card. Tell FSB AT ONCE if your statement shows transactions transfers that you did not make, notify us at once following the procedures stated in the below sub-section captioned “Information About Your Right to Dispute Errors.” including those made by card, code, or other means. If you do not notify us tell FSB within sixty (60) 60 days after you become aware of the transaction(s) and/or the statement was made available mailed to you, you may not get back any of the value money you lost after the sixty (60) 60 days if we can prove that we FSB could have stopped someone from taking value the money if you had notified us told FSB in time. If a good reason (such as a long trip or a hospital stay) kept you from telling usFSB, we FSB will extend the time periodsperiods for claims of unauthorized transfers. Service Fee Schedule. You may also contact FSB on xxxx.xxx. You should also call the number or write to the address listed on the Service Fee Schedule or contact FSB at xxxx.xxx if you believe a transfer has been made using the information from your check without your permission. If your Cardunauthorized activity occurs, PIN or Account number has been lost or stolen, we will close your Card and/or Account you agree to keep losses down cooperate during the investigation and send you a replacement Card and/or Account numberto complete an affidavit regarding the unauthorized activity.

Your Liability for Unauthorized Transfers. a. Contact us at once if you believe your Card, PIN or Account number has been stolen. Telephoning is the best way to minimize your possible losses. If your Card, PIN or Account number has been lost or stolen, or someone has transferred or may transfer money from your Account without your permission, call (000) 000-0000. If you notify us tell the Credit Union within two (2) business days after you learn of any unauthorized transactionsaccess 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 someone used the Card, PIN or Account number without your permission50.00. If you do not fail to notify us the credit union within two (2) business days after you learn of the loss unauthorized access to your account(s) and/or that your Prime Online Account Number and PIN has been lost, stolen or theft of your Cardcompromised, Account number or PIN and we can prove that we could have stopped someone from using prevented the unauthorized access to your account(s), or use of your Prime Online Account without your permission if Number and PIN had you had promptly notified us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, . If your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent monthly statement or fraudulent in the handling of the Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa your online account detail reflects any transfers or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Also, if you become aware of and/or your statement shows transactions payments that you did not make, notify tell us at once following the procedures stated in the below sub-section captioned “Information About Your Right to Dispute Errors.” once. If you do not notify tell us within sixty (60) days after you become aware of the transaction(sfirst statement which reflected an unauthorized transfer(s) and/or the statement or payment(s) was made available mailed to you, you may not get back any of the value money you lost after the sixty (60) days if days, provided that we can prove that we could have stopped someone from taking value money if you had notified told us in time. In case of errors or questions about your Prime Xxxx Pay transactions or if you need more information about a transaction listed on the statement, contact via phone at 000.000.0000 (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 clearly as possible why you believe it is an error or why you need more information. • Tell us the dollar amount of the suspected error. If a good reason you tell us verbally, we may require that you send, and we receive, your complaint or question in writing within ten (such as a long trip 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 required, it may take up to forty-five (45) days to investigate your complaint or a hospital stayquestion. If so, your account will be adjusted within ten (10) kept business days for the amount you from telling usthink is in error. If we ask you to put your complaint or question 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 extend the time periods. If your Card, PIN or Account number has been lost or stolen, we will close your Card and/or Account to keep losses down and send you a replacement Card and/or Account numberwritten 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. a. Contact You can temporarily block and un-block your card via the Glint app if you think your card has been lost stolen or You do not recognize a transaction. If you block your card for any reason you can unblock it later if you find it or recognize the transaction. While the card is blocked you will not be able to use the card, once unblocked it will work as normal. If you definitely do not recognize a transaction, please block or leave your card blocked and contact Glint Client Support and we will investigate. Block Your Card and contact us at once if you believe your Card, Card or PIN is definitely lost or Account number has been stolen. We will not fully cancel and order a new card until you contact us. Telephoning is the best way to minimize your possible losses. If you believe your Card, PIN or Account number Card has been lost or stolen, or that someone has transferred or may transfer money from your Card Account without your permission, call (000) 000-0000us at Glint Client Support. If you notify us within two (2) business days after you learn Mastercard Zero Liability Policy - Guidelines and Limitations: In addition to your limitations of any unauthorized transactions, you can lose no more than $50.00 if someone used liability under the Card, PIN or Account number 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, Account number or PIN and we can prove that we could have stopped someone from using your Account without your permission if you had promptly notified us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating RegulationsYour Liability for Unauthorized Transfers section above, your liability for the unauthorized Visa debit transactions made with use of your Card Account may also be limited 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 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 Glint Client Support number. The Mastercard Zero Liability Policy is $0.00 if you are not negligent or fraudulent in the handling of the Card. This reduced liability does not subject to change without notice and changes made by Mastercard will automatically apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. your Card Account. Also, if you become aware of and/or your statement or electronic history shows transactions that you did not make, notify us at once following the procedures stated in the below sub-section captioned paragraph labeled “Information About Your Right to Dispute Errors.” ”. If you do not notify us in writing within sixty (60) days after you become aware of the transaction(s) transaction and/or after the statement was made available to you, you may not get back any of the value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the value if you had notified us in timetime and you are grossly negligent or fraudulent in the handling of your Card. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If your Card, PIN or Account number Card has been lost or stolen, we will close your Card and/or Account to keep losses down and send down. Upon your request, we will issue you a replacement Card and/or Account numberCard.

Your Liability for Unauthorized Transfers. a. Contact Tell us at once AT ONCE if you believe your Cardaccount number, PIN or Account number user name and/or password has been stolen. Telephoning is the best way to minimize your possible losses. If your Cardlost, PIN stolen or Account number has been lost or stolencompromised, or that someone to whom you have granted authority to use your account number, user name and/or password has exceeded such authority or if someone has transferred or may transfer money from your Account without your permission, call (000) 000-0000. 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, PIN or Account number accounts without your permission. If you think your statement is wrong or if you need more information about a transfer listed on the statement, please contact Community Bank as soon as possible as described under Problems, Inquiries above. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. • Tell us your name and account number. • Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. • Tell us the dollar amount of the suspected error. • If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. investigation. We are responsible only for exercising ordinary care in making payments upon your authorization and for mailing or sending a payment to the designated payee based on the circumstances outlined above. Without liability, we may not effect a transaction if we are unable to obtain authentication of such transaction satisfactory to us, if there is any inconsistency between a transaction and information previously supplied to us, if such transaction is not initiated in conformity with the terms of this addendum, if we reasonably believe that execution of the transaction might result in an unauthorized or erroneous transfer of funds or might otherwise cause us to suffer a loss. We are not responsible for payments that cannot be made due to incomplete, incorrect, or outdated information. We make no warranty of any kind, express or implied, including any implied warranty of merchantability or fitness for a particular purpose, in connection with Bill Pay. We do not notify us within two (2) business days after and cannot warrant that the Bill Pay Service will operate without error, or that the Bill Pay Service will be available at all times. Except as specifically provided in this addendum, or otherwise required by law, you learn of the loss agree that we and our officers, directors, employees, agents or theft contractors are not liable for any indirect, incidental, special or consequential damages under or by reason of your Carduse of Bill Pay Service, Account number including loss of profits, revenue, data or PIN and use by you or any third party, whether in an action in contract or tort or based on a warranty or any other legal theory. We will not be liable if we can prove that we could have stopped someone from using your Account without your permission if you had promptly notified us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are do not negligent make a transfer on time 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 ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. 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 below sub-section captioned “Information About Your Right to Dispute Errors.” If you do not notify us within sixty (60) days after you become aware of the transaction(s) and/or the statement was made available to you, you may not get back any of the value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking value if you had notified us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If your Card, PIN or Account number has been lost or stolen, we will close your Card and/or Account to keep losses down and send you a replacement Card and/or Account number.correct amount if:

Your Liability for Unauthorized Transfers. a. Contact If you tell us at once if within two (2) Business Days after you believe discover your Card, PIN Log-in Credentials or Account number has been stolen. Telephoning is the best way other means to minimize access your possible losses. If your Card, PIN or Account number account has been lost or stolen, or someone has transferred or may transfer money from your Account without your permission, call (000) 000-0000. If you notify us within two (2) business days after you learn of any unauthorized transactions, you can lose liability is no more than $50.00 if should someone used the Card, PIN or Account number access your account without your permission. If you do not notify tell us within two (2) business days Business Days after you learn of the such loss or theft of your Cardtheft, Account number or PIN and we can prove that we could have stopped someone from using prevented the unauthorized use of your Account without password or other means to access your permission account if you had promptly notified told us, you could lose be liable for as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, . If your liability for unauthorized Visa debit transactions made with 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 ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Also, if you become aware of and/or your monthly financial institution statement shows transactions contains transfers that you did not makeauthorize, notify you must tell us at once following the procedures stated in the below sub-section captioned “Information About Your Right to Dispute Errors.” once. If you do not notify tell us within sixty (60) days after you become aware of the transaction(s) and/or the statement was made available sent to you, you may not get back lose any of the value you lost amount transferred without your authorization after the sixty (60) days if we can prove that we could have stopped someone from taking value if the money had you had notified told us in time. If a good reason (such as a long trip or a hospital stay) kept prevented you from telling us, we will may extend the time periodsperiod. 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 you need more information about a Service transaction listed on the statement, we must hear from you no later than sixty (60) days after the FIRST 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 Cardcomplaint in writing within ten (10) 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, PIN and will correct any error promptly. However, if we require more time to confirm the nature of your complaint or Account number has been lost or stolenquestion, we reserve the right to take up to forty-five (45) days to complete our investigation. If we decide to do this, we will close provisionally credit your Card and/or Payment Account within ten (10) Business Days for the amount you think is in error. If we ask you to keep losses down submit your complaint or question in writing and send 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 replacement Card and/or Account numberwritten 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. a. Contact us at once if you believe your the Card, PIN or Varo Bank Account number has been stolenstolen or compromised. Telephoning is the best way to minimize your possible losses. If your the Card, PIN or Varo Bank Account number has been lost lost, stolen or stolencompromised, or you suspect that someone has transferred or may transfer money from your from the Varo Bank Account without your permission, call (0-000) -000-0000. 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, PIN or Account number 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, Account number or PIN and we can prove that we could have stopped someone from using your Account without your permission if you had promptly notified us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating RegulationsCore Rules, your liability for unauthorized Visa debit transactions made with 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 Visa, or to ATM transactions outside anonymous prepaid cards (until such time as the U.S. identity of the cardholder has been registered with us). You must notify us immediately of any unauthorized use. c. . 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. If you do not notify us within two (2) business days after you learn of the loss 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 could lose as much as $500.00. Also, if you become aware of and/or your statement shows transactions that you did not make, notify us Varo at once following the procedures stated in the below sub-section paragraph captioned “"Information About Your Right to Dispute Errors.” ". If you do not notify us within sixty (60) days after you become aware of the transaction(s) and/or the statement was made available to you, you may not get back any of the value you lost after the sixty (60) days if we can prove that we someone could have been stopped someone from taking value if you had notified provided us notice in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If your the Card, PIN or Varo Bank Account number has been lost lost, stolen or stolencompromised, we will close your 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.

Your Liability for Unauthorized Transfers. a. Contact us at once if you believe your Card, PIN or Account number the Card has been lost or stolen. Telephoning is the best way to minimize your possible losses. If your Card, PIN or Account number you believe the Card has been lost or stolen, or that someone has transferred money or may transfer money from your Balance Account without your permission, call (000) -000-0000. If Under Mastercard Rules, you will not be held responsible for unauthorized transactions if you have used reasonable care in protecting your Card from loss or theft and you have promptly reported to us when you knew that your Card was lost or stolen. Zero Liability does not apply to Mastercard payment cards that are used for commercial purposes, or anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us). In the event that Mastercard Zero Liability does not apply, if you notify us within two (2) business days after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used the Card, PIN or Account number 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, Account number or PIN Card and we can prove that we could have stopped someone from using your Account Card without your permission if you had promptly notified us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with 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 ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. a. 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 below sub-section captioned “Section 17 (Information About Your Right to Dispute Errors.” ). If you do not notify us within sixty (60) days after you become aware of the transaction(s) transaction and/or after the statement was made available to you, you may not get back any of the value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the value if you had notified us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If your Card, PIN or Account number the Card has been lost or stolen, we will close your the Card and/or Account to keep losses down and will send you a replacement Card and/or Account numbercard.

Your Liability for Unauthorized Transfers. a. Contact us at once if you believe your Card, PIN or Account number Card has been lost or stolen. Telephoning is the best way to minimize your possible losses. If you believe your Card, PIN or Account number 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. If 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 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, PIN or Account number 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, Account number or PIN Card and we can prove that we could have stopped someone from using your Account Card without your permission if you had promptly notified us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with 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 ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. 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 below sub-section captioned paragraph labeled “Information About Your Right to Dispute Errors.” If you do not notify us within sixty (60) days after you become aware of the transaction(s) transaction and/or after the statement was made available to you, you may not get back any of the value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the value if you had notified us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If your Card, PIN or Account number Card has been lost or stolen, we will close your Card and/or Account to keep losses down and will send you a replacement Card and/or Account numbercard. There is a fee for replacing your Card. For information about the fee, see the section labeled “Fee Schedule.”

Your Liability for Unauthorized Transfers. a. Contact us at once if you believe your Card, PIN or Account number has been stolen. Telephoning is the best way to minimize your possible losses. If your Card, PIN or Account number has been lost or stolen, or someone has transferred or may transfer money from your Account without your permission, call (000) 000-0000. If you notify us tell GHS FCU within two (2) business days Business Days after you learn of any unauthorized transactionsaccess 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 someone used the Card, PIN or Account number without your permission50.00. If you do not fail to notify us GHS FCU within two (2) business days Business Days after you learn of the loss unauthorized access to your account(s) and/or that your GHS FCU Internet Home Banking Account Number and Password has been lost, stolen or theft of your Cardcompromised, Account number or PIN and we can prove that we could have stopped someone from using prevented the unauthorized access to your account(s), or use of your GHS FCU Internet Home Banking Account without your permission if Number and Password had you had promptly notified us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, . If your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent monthly statement or fraudulent in the handling of the Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa your online account detail reflect any transfers or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Also, if you become aware of and/or your statement shows transactions payments that you did not make, notify tell us at once following the procedures stated in the below sub-section captioned “Information About Your Right to Dispute Errors.” once. If you do not notify tell us within sixty (60) days after you become aware of the transaction(sfirst statement which reflected an unauthorized transfer(s) and/or the statement or payment(s) was made available mailed to you, you may not get back any of the value money you lost after the sixty (60) days if 60 days, provided that we can prove that we could have stopped someone from taking value money if you had notified told us in time. 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 a hospital stay) kept you from telling us20 business days if the transaction involved an account opened within the past 30 days). If we need more time, however, we may take up to 45 days. If we decide there was no error, we will extend the time periods. If your Card, PIN or Account number has been lost or stolen, we will close your Card and/or Account to keep losses down and send you a replacement Card and/or Account numberwritten explanation within three business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation.

Your Liability for Unauthorized Transfers. a. Contact us at once CONTACT US IMMEDIATELY if you believe your CardLogin ID, PIN Password, or Account number has other Log-In Credentials have been stolen. Telephoning is the best way to minimize your possible losses. If your Cardlost, PIN or Account number has been lost or stolen, misused, used without your authorization or otherwise compromised or if someone has transferred or may transfer money from your Account Accounts without your permission. Telephoning is the best way of keeping your possible losses to a minimum. You could lose all the money in your Accounts (plus your maximum overdraft line of credit or discretionary overdraft limit, call (000) 000-0000if 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 within two (2) business days Business Days after you learn of any unauthorized transactionsthe loss or theft, you can lose no more than $50.00 50 if someone used the Card, PIN or Account number your Login-ID and Password without your permission. If you do not fail to notify us within two (2) business days Business Days after you learn of the loss or theft of your Cardtheft, Account number or PIN and we can prove that we could have stopped someone from using your Account credentials to access your Accounts without your permission if you had promptly notified told us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations500. In addition, you must report any unauthorized transactions that appear on your statement within 60 days of its mailing to avoid liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling of the Cardsubsequent transfers. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. 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 below sub-section captioned “Information About Your Right to Dispute Errors.” If you fail to do not notify us within sixty (60) days after you become aware of the transaction(s) and/or the statement was made available to youso, you may not get back any be held liable for the amount of the value you lost 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 someone from taking value if occurred had you had notified us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend within the time periods. If your Card, PIN or Account number has been lost or stolen, we will close your Card and/or Account to keep losses down and send you a replacement Card and/or Account number60-day period.

Your Liability for Unauthorized Transfers. a. Contact Tell us at once AT ONCE if you believe your Card, PIN or Account number has been stolen. Telephoning is the best way to minimize your possible losses. If your Card, PIN or Account number has been lost or stolen, or someone if you believe that an electronic fund transfer has transferred been or may transfer money from your Account be made without your permission, call . Telephoning us at (000) 000-00000000 is the best way of keeping your possible losses down. You may also write us at 000 Xxxxxxx Xxxxxx Xxxxx 0 Xxx Xxxxxxxxx, XX 00000. You could lose all the money in your Account, if applicable. 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, PIN or Account number without your permission. If you do not notify tell us within two (2) business days after you learn of the loss or theft of your Card, PIN or Account number, you can lose no more than $50 if someone used your Card, PIN or Account number without your permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your Card, PIN or Account number, and we can prove that we could have stopped someone from using your Card, PIN or Account number without your permission if you had promptly notified told us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card500. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Also, if you become aware of and/or your statement shows transactions transfers that you did not make, notify including those made by Card, code or other means, tell us at once following once. For procedures on reporting statement errors, see the procedures stated in the below sub-section captioned labeled “Information About Your Right to Dispute Errors.” ”, below. If you do not notify tell us within sixty (60) days after you become aware of the transaction(s) and/or the statement was made available to you, you may not get back any of the value money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking value the money if you had notified told us in time. If a good reason (such as a long trip or a hospital stay) kept keeps you from telling us, we will extend the time periods. If your Card, PIN Card or Account number has been lost or stolen, we will may close your Card and/or Account to keep losses down and send you a replacement Card and/or Account number. Notwithstanding the above, pursuant to Mastercard Inc.’s Mastercard Rules and Mastercard Zero Liability Protection Policy, your liability for unauthorized Mastercard debit transactions on your Account is $0 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 Mastercard, or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use.

Your Liability for Unauthorized Transfers. a. Contact us You must contact Synapse, by calling at once +1‌ (000) 000-0000 or emailing xxxx@xxxxxxxxx.xxx if you believe your Card, PIN or Account number has been stolen. Telephoning is the best way to minimize your possible losses. If your Card, PIN was stolen or Account number has been lost or stolen, or if you believe someone has transferred or may transfer money from your Account without permission. If your permissionaccount number was stolen or if you believe someone has transferred or may transfer money from your Account without permission contact us immediately through Synapse, call (000) 000-0000at the number specified above.‌‌‌ 7.9.1. If you notify us within two (2) business days after you learn of any unauthorized transactionstransaction, you can lose no more than $50.00 if someone used the Card, PIN or your Account number 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, Account number or PIN and we can prove that we could have stopped someone from using your Account without your permission if you had promptly notified us, you could lose as much as $500.00.500.00.‌‌‌‌‌ b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card7.9.2. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Also, if 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 section below sub-section captioned “Information About Your Right to Dispute ErrorsErrors and Disputes.” If you do not notify us within sixty (60) days after (i) you become aware of the transaction(s) and/or (ii) the statement was made available to you, you may not get back any of the value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking value if you had notified us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If your Card, PIN or Account number has been lost or stolenAfter receiving notice from you of such an event, we will close your Card and/or Account to keep losses down and send issue you a replacement Card new Account number.‌‌‌‌‌‌‌‌ 7.9.3. If your Account number changes, you must immediately notify your employer or any other payors or merchants. You must provide them with your new Account number to ensure that your direct deposit and/or Account number.payments activity continues uninterrupted.‌‌ 7.9.4. If you furnish your access device and grant actual authority to make transfers to someone who then exceeds that authority, you will be liable for the transfers the person makes unless we have been notified that transfers by that person are no longer authorized. If you claim a credit or refund because of a forgery, alteration, or any other unauthorized withdrawal, you agree to cooperate with us in the investigation of the loss, including giving us an affidavit containing whatever reasonable information we require concerning your Account, the transaction, and the circumstances surrounding the loss. You will notify law enforcement authorities of any criminal act related to the claim of lost, missing, or stolen checks or unauthorized withdrawals. We will have a reasonable period of time to investigate the facts and circumstances surrounding any claim of loss. Unless we have acted in bad faith, we will not be liable for any special or consequential damages, including loss of profits or opportunity, or for attorneys’ fees incurred by you. You agree that you will not waive any rights you have to recover your loss against anyone who is obligated to repay, insure, or otherwise reimburse you for your loss. You will pursue your rights or, at our option, assign them to us so that we may pursue them. Our liability will be reduced by the amount you recover or are entitled to recover from these other sources. Concerning each item you deposit with us, or which we cash for you or give other consideration, you make the following warranties to us whether Bank is the payor bank or depository bank: all necessary signatures and endorsements have been placed on the time and are genuine, the item has not been materially altered and you have good title to it, and no defense of any party to the item is good against you. If any such warranty is breached, we may deduct the amount of the item from any of your accounts or otherwise collect from you this amount plus expenses.‌‌‌‌‌‌‌‌‌‌‌‌‌‌‌‌‌‌‌‌‌‌‌

Your Liability for Unauthorized Transfers. a. Contact us at once if If you believe your Card, PIN or Account number has been stolen. Telephoning is the best way to minimize your possible losses. If your Card, PIN or Account number Card has been lost or stolenstolen or otherwise compromised, or that someone has transferred or may transfer money from used your Account Card without your permission, immediately disable it through the PayPal app and call (PayPal at 000) -000-0000. If You may also email PayPal at xxxxxxxxxxx@xxxxxx.xxx. We may suspend or cancel your Debit Card and/or corresponding Card Account in the event of excessive reports of card loss or theft. PayPal may also cancel any Debit Card that has been disabled for sixty (60) days or longer. Under Mastercard Rules, you will not be held responsible for unauthorized transactions if you have used reasonable care in protecting your Debit Card from loss or theft and you have promptly reported to us when you knew that your Debit Card was lost or stolen or used without your permission. Zero Liability does not apply to the Mastercard payment cards that are used for commercial purposes, including the following: commercial cards, or unregistered 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 PayPal 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, PIN or Account number your Debit Card without your permission. If you do not notify us within two (2) business days after you learn of the loss or theft or compromise of your Card, Account number or PIN Debit Card and we can prove that we could have stopped someone from using your Account Debit Card without your permission if you had promptly notified usPayPal, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with 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 ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Also, if you become aware of and/or your statement shows transactions that you did not make, notify us PayPal at once following the procedures stated in the below sub-section captioned “Section 20 (Information About Your Right to Dispute ErrorsTransactions).” If you do not notify us within sixty (60) days after you become aware of the transaction(s) and/or the statement was made available to you, you may not get back any of the value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking value if you had notified us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If your Card, PIN or Account number has been lost or stolen, we will close your Card and/or Account to keep losses down and send you a replacement Card and/or Account number.

Your Liability for Unauthorized Transfers. a. Contact us at once if If you believe your Card, PIN or Account number has been stolen. Telephoning is the best way to minimize your possible losses. If your Card, PIN or Account number Card has been lost or stolen, or someone you believe a transaction has transferred or may transfer money been made without your permission using information from your Card or Account, or you believe your Account credentials have been used without your permission, call tell Vulse AT ONCE, and FREEZE the relevant card(s) via the card screen in the Vulse mobile app. Reporting (000i) 000-0000your Card as lost or stolen, and (ii) any unauthorized or unexpected activity to xxxxxxx@xxxxx.xx as soon as possible is the best way of keeping your possible losses down. Vulse may suspend or cancel your Card and corresponding Account in the event of excessive reports of Card loss or theft .You agree that any unauthorized use does not include use by a person to whom you have given authority to use the Card or PIN and that you will be liable for any and all such uses by such person. For example, if you have given your Card or Card information to another person to use, such as a friend or relative, you are responsible for that person's transactions with your Card, and if you have given your Card information to a merchant for a transaction, you have given authority to that merchant to debit the Card for that transaction. 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, PIN or Account number without your permission. If you do not notify us tell Vulse within two (2) business days after you learn of the loss or theft of your Card, Account number you can lose no more than $50 if someone used your Card without your permission. If you do NOT tell Vulse within two (2) business days after you learn of the loss or PIN theft of your Card, and we Vulse can prove that we it could have stopped someone from using your Account Card without your permission if you had promptly notified ustold Vulse, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card500. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. AlsoAdditionally, if you become aware of and/or your periodic statement shows (if applicable) or transaction history (if applicable)shows transactions that you did not make, notify us Vulse at once following the procedures stated in the below sub-section captioned “Information About Your Right to Dispute ErrorsSection C.3 of this Agreement titled "ProcessingErrors.” " If you do not notify us S Vulse within sixty (60) days after you become aware of the transaction(s) transaction and/or after the statement transaction information was made available to you, you may not get back any of the value you lost after the sixty (60sixty(60) days if we Vulse can prove that we could have stopped someone from taking the value if you had notified us Vulse in time. If a good reason (such as a long trip or a hospital stay) kept you from telling usVulse, we will Vulse may extend the time periods. .If your Card, PIN or Account number the Card has been lost or stolen, we the Card will close your Card and/or Account be blocked to keep losses down and/or, if there is a physical Card associated with the account, are placement may be sent to you. You agree to cooperate reasonably with Vulse and send you a replacement Card and/or Account numberthe Issuer in any attempts to recover funds from, and to assist in the prosecution of, any unauthorized users of your Card.

Your Liability for Unauthorized Transfers. a. Contact us Trureal at once if you believe your Card, PIN or Account number Card has been lost or stolen. Telephoning is the best way to minimize your possible losses. If you believe your Card, PIN or Account number Card has been lost or stolen, or that someone has transferred or may transfer money from your Card Account without your permission, call (000) 000-0000Card Service immediately. If you notify us within two (2) business days after you learn of any unauthorized transactionsdays, you can lose no more than $50.00 50 if someone used the Card, PIN or Account number 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, Account number or PIN Card and we can prove that we could have stopped someone from using your Account Card without your permission if you had promptly notified us, you could lose as much as $500.00. b. 500. Under Visa U.S.A. Inc. Operating RegulationsInc Bylaws and Rules, your liability for unauthorized Visa debit transactions made with the on your Card Account is $0.00 0 if you are not negligent notify us promptly and you exercise reasonable care in safeguarding your Card from loss, theft, or fraudulent in the handling of the Cardunauthorized use. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa if a PIN is used as the method of verification for a disputed transaction or to ATM transactions outside you have reported two (2) or more incidents of unauthorized use in the U.S. You must notify us immediately of any unauthorized use. c. preceding twelve (12) month period. 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 below sub-section captioned “Information About Your Right to Dispute Errors.” once. If you do not notify us within sixty (60) days after you become aware of the transaction(s) transaction and/or after the statement was made available to you, you may not get back any of the value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the value if you had notified us in time. If a good reason (such as a long trip time and you are grossly negligent or a hospital stay) kept you from telling us, we will extend fraudulent in the time periodshandling of your Card. If your Card, PIN or Account number Card has been lost or stolen, we will close your Card and/or Account to keep losses down and send you a replacement Card and/or Account number.down

Your Liability for Unauthorized Transfers. a. Contact us at once You must contact Synapse, by calling at‌ +0(000) 000-0000 or emailing xxxx@xxxxxxxxx.xxx if you believe your Card, PIN or Account number has been stolen. Telephoning is the best way to minimize your possible losses. If your Card, PIN was stolen or Account number has been lost or stolen, or if you believe someone has transferred or may transfer money from your Account without permission. If your permissionaccount number was stolen or if you believe someone has transferred or may transfer money from your Account without permission contact us immediately through Synapse, call (000) 000-0000at the number specified above.‌‌‌ 5.8.1. If you notify us within two (2) business days after you learn of any unauthorized transactionstransaction, you can lose no more than $50.00 if someone used the Card, PIN or your Account number 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, Account number or PIN and we can prove that we could have stopped someone from using your Account without your permission if you had promptly notified us, you could lose as much as $500.00.500.00.‌‌‌‌‌ b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card5.8.2. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Also, if 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 section below sub-section captioned “Information About Your Right to Dispute ErrorsErrors and Disputes.” If you do not notify us within sixty (60) days after (i) you become aware of the transaction(s) and/or (ii) the statement was made available to you, you may not get back any of the value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking value if you had notified us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If your Card, PIN or Account number has been lost or stolenAfter receiving notice from you of such an event, we will close your Card and/or Account to keep losses down and send issue you a replacement Card new Account number.‌‌‌‌‌‌‌‌ 5.8.3. If your Account number changes, you must immediately notify your employer or any other payors or merchants. You must provide them with your new Account number to ensure that your direct deposit and/or Account number.payments activity continues uninterrupted.‌‌ 5.8.4. If you furnish your access device and grant actual authority to make transfers to someone who then exceeds that authority, you will be liable for the transfers the person makes unless we have been notified that transfers by that person are no longer authorized. If you claim a credit or refund because of a forgery, alteration, or any other unauthorized withdrawal, you agree to cooperate with us in the investigation of the loss, including giving us an affidavit containing whatever reasonable information we require concerning your Account, the transaction, and the circumstances surrounding the loss. You will notify law enforcement authorities of any criminal act related to the claim of lost, missing, or stolen checks or unauthorized withdrawals. We will have a reasonable period of time to investigate the facts and circumstances surrounding any claim of loss. Unless we have acted in bad faith, we will not be liable for any special or consequential damages, including loss of profits or opportunity, or for attorneys’ fees incurred by you. You agree that you will not waive any rights you have to recover your loss against anyone who is obligated to repay, insure, or otherwise reimburse you for your loss. You will pursue your rights or, at our option, assign them to us so that we may pursue them. Our liability will be reduced by the amount you recover or are entitled to recover from these other sources. Concerning each item you deposit with us, or which we cash for you or give other consideration, you make the following warranties to us whether Bank is the payor bank or depository bank: all necessary signatures and endorsements have been placed on the time and are genuine, the item has not been materially altered and you have good title to it, and no defense of any party to the item is good against you. If any such warranty is breached, we may deduct the amount of the item from any of your accounts or otherwise collect from you this amount plus expenses.‌‌‌‌‌‌‌‌‌‌‌‌‌‌‌‌‌‌‌‌‌‌‌

Your Liability for Unauthorized Transfers. a. Contact You must contact us immediately via the App (if available), by calling us at once 0-000-000-0000, or email us at xxxxxxx@xxxxxxxxx.xxx if you believe your the Card, PIN PIN, or Bank Account number has been stolen. Telephoning is the best way to minimize , compromised, or your possible losses. If your Card, PIN or Bank Account number has been lost or stolen, or someone has transferred or may transfer money from your Account used without your permission, call (000) 000-0000. 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, PIN or Account number 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, Account number or PIN and we can prove that we could have stopped someone from using your Account without your permission if you had promptly notified us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating RegulationsCore Rules, your liability for unauthorized Visa debit transactions made with 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 Visa, or to ATM transactions outside anonymous prepaid cards (until such time as the U.S. identity of the cardholder has been registered with us). You must notify us immediately of any unauthorized use. c. . 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. If you do not notify us within two (2) business days after you learn of the loss 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 could lose as much as $500.00. Also, if you become aware of and/or your statement shows transactions that you did not makeauthorize, notify us Xxxx at once following the procedures stated in the below sub-section paragraph captioned “"Information About Your Right to Dispute Errors.” " If you do not notify us within sixty (60) days after you become aware of the transaction(s) and/or the statement was made available to you, you may not get back any of the value you lost after the sixty (60) days if we can prove that we someone could have been stopped someone from taking value if you had notified provided us notice in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will may extend the time periods. If your Card, PIN PIN, or Bank Account number has been lost lost, stolen, or stolencompromised, we will close your deactivate the Card and/or Bank Account to keep losses down prevent further transactions from occurring and send you a replacement Card and/or Bank Account numberNumber.

Your Liability for Unauthorized Transfers. a. Contact us at once Tell Xxxxxxx AT ONCE if you believe your Card, PIN or Account number has been stolen. Telephoning is the best way to minimize your possible losses. If your Card, PIN or Account number has been lost or stolen, or someone if you believe that an electronic fund transfer has transferred or may transfer money from your Account been made without your permission, call (000) 000-0000. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account. If you notify us tell Xxxxxxx within two (2) business days 2 Business Days after you learn of any unauthorized transactionsthe loss or theft of your Card, PIN or Account number, you can lose no more than $50.00 50 if someone used the your Card, PIN or Account number without your permission. If you do not notify us NOT tell Xxxxxxx within two (2) business days 2 Business Days after you learn of the loss or theft of your Card, PIN or Account number or PIN number, and we Xxxxxxx can prove that we Xxxxxxx could have stopped someone from using your Card, PIN or Account number without your permission if you had promptly notified ustold Xxxxxxx, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card500. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Also, if you become aware of and/or your Account statement shows transactions transfers that you did not make, notify us including those made by card, code or other means, tell Xxxxxxx at once following the procedures stated in the below sub-section captioned “Information About Your Right to Dispute Errors.” once. If you do not notify us tell Xxxxxxx within sixty (60) days after you become aware of the transaction(s) and/or the Account statement was made available electronically provided to you, you may not get back any of the value money you lost after the sixty (60) 60 days if we Xxxxxxx can prove that we Xxxxxxx could have stopped someone from taking value the money if you had notified us told Xxxxxxx in time. If a good reason (such as a long trip or a hospital stay) kept you from telling usXxxxxxx, we Xxxxxxx will extend the time periods. If your Card, PIN or Account number Card has been lost or stolenstolen please notify Xxxxxxx immediately and Xxxxxxx will inactivate your Card and send you the first replacement Card at no charge. There is a fee for each subsequent replacement Card. Please refer to the paragraph of this Agreement captioned “Fee Schedule” above. In some cases, we will Xxxxxxx xxx close your Card and/or Account to keep losses down and send down. Upon your request, we may provide you with a replacement Card and/or Account numberCard.

Your Liability for Unauthorized Transfers. a. Contact 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 AT ONCE if you believe your Card, Access Code(s), or PIN or Account number has been stolen. Telephoning is the best way to minimize your possible losses. If your Card, PIN or Account number 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 someone you believe an electronic transfer has transferred or may transfer money from your Account been made without your permission, call (000) 000-0000tell us at once. The best way to keep your losses down is by calling customer service. You could lose all the money in your Primary Account or Card Account. If you notify tell us within two (2) business days after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used the Card, PIN or Account number 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, Account number you can lose no more than $50.00 if someone used your Card without your permission. If you do NOT tell us within two business days after you learn of the loss or PIN theft of your Card, and we can prove that we could have stopped someone from using your Account Card without your permission if you had promptly notified told us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with 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 ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. 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 below sub-section captioned “Information About Your Right to Dispute Errors.” If you do not notify tell us within sixty (60) 60 days after you become aware the earlier of the transaction(s) and/or date you electronically access your Card Account or the statement was made available to youdate we sent the FIRST written history on which the error appeared, you may not get back any of the value money you lost after the sixty (60) 60 days if we can prove that we could have stopped someone from taking value the money if you had notified told us in time. If a good good, documented, reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If In 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 or Account number has been lost or stolenwith another person, we will close use of your Card and/or Account by that person may be considered as authorized. If you authorize another person to keep losses down 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 transaction is limited to reimbursing you for the face amount of the unauthorized transaction and send any corresponding fees, except as otherwise required by applicable law. A transaction is unauthorized if it is not initiated by you, you a replacement Card and/or Account numberdid 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 promptly of any unauthorized use.

Your Liability for Unauthorized Transfers. a. Contact us at once if Federal Regulation E provides certain protections against loss resulting from unauthorized online banking or mobile banking transfers from your Consumer Account. These protections do not apply to Business Accounts, regardless of account ownership. Immediately following your discovery of an unauthorized Payment Instruction, you believe your Card, PIN or Account number has been stolenshall communicate with customer care. Telephoning 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 your Card, PIN or Account number has been lost or stolen, or someone has transferred or may transfer money from your Account without your permission, call (000) 000-0000. If you notify us within two (2) business days after you learn of any unauthorized transactions, you can lose • Consumer Accounts You will have no more than $50.00 if someone used the Card, PIN or Account number 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, Account number or PIN and we can prove that we could have stopped someone from using your Account without your permission if you had promptly notified us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with 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 ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. 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 below sub-section captioned “Information About Your Right to Dispute Errors.” If you do not notify us within sixty (60) days after your monthly financial institution statement which shows the unauthorized transaction has been sent to you. If you become aware of the transaction(sdo not tell us within sixty (60) and/or days after the statement was made available sent to you, you may not get back lose any of the value 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 value if the money had you had notified told us in time. If a good reason (such as a long trip or a hospital stay) kept prevented you from telling us, we will extend the time periodsperiods specified above to a reasonable period.‌‌ o These liability rules are established by Regulation E, which implements the federal Electronic Fund Transfer Act and does not apply to Business Accounts. If • Business Accounts See the Section entitled “Unauthorized Transactions and Errors” in the Business Account Disclosure and Agreement. When you give someone your Cardpassword or other means to access your account through which you access the Zelle® and Other Payment Services, PIN 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 Account number has been lost want performed, are authorized transactions. Additionally, transactions that you or stolensomeone acting with you initiates with fraudulent intent are also authorized transactions. THE ZELLE® PAYMENT SERVICE IS INTENDED FOR SENDING MONEY TO FAMILY, we will close your Card and/or Account to keep losses down and send you a replacement Card and/or Account numberFRIENDS 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. a. Contact If you tell us at once if within two (2) Business Days after you believe discover your Card, PIN Log-in Credentials or Account number has been stolen. Telephoning is the best way other means to minimize access your possible losses. If your Card, PIN or Account number account has been lost or stolen, or someone has transferred or may transfer money from your Account without your permission, call (000) 000-0000. If you notify us within two (2) business days after you learn of any unauthorized transactions, you can lose liability is no more than $50.00 if should someone used the Card, PIN or Account number access your account without your permission. If you do not notify tell us within two (2) business days Business Days after you learn of the such loss or theft of your Cardtheft, Account number or PIN and we can prove that we could have stopped someone from using prevented the unauthorized use of your Account without password or other means to access your permission account if you had promptly notified told us, you could lose be liable for as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, . If your liability for unauthorized Visa debit transactions made with 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 ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Also, if you become aware of and/or your monthly financial institution statement shows transactions contains transfers that you did not makeauthorize, notify you must tell us at once following the procedures stated in the below sub-section captioned “Information About Your Right to Dispute Errors.” once. If you do not notify tell us within sixty (60) days after you become aware of the transaction(s) and/or the statement was made available sent to you, you may not get back lose any of the value you lost amount transferred without your authorization after the sixty (60) days if we can prove that we could have stopped someone from taking value if the money had you had notified told us in time. If a good reason (such as a long trip or a hospital stay) kept prevented you from telling us, we will may extend the time periodsperiod. 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 you need more information about a Service transaction listed on the statement, we must hear from you no later than sixty (60) days after the FIRST 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 Cardcomplaint in writing within ten (10) 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, PIN and will correct any error promptly. However, if we require more time to confirm the nature of your complaint or Account number has been lost or stolenquestion, we reserve the right to take up to forty-five (45) days to complete our investigation. If we decide to do this, we will close provisionally credit your Card and/or Payment Account within ten (10) Business Days for the amount you think is in error. If we ask you to keep losses down submit your complaint or question in writing and send 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 replacement Card and/or Account numberwritten 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. a. Contact (a) Consumer Liability; Generally. Tell us at once AT ONCE if you believe your Cardcard, PIN code, or Account number has been stolen. Telephoning is your password or other means to access your account through which you access the best way to minimize your possible losses. If your Card, PIN or Account number Service has been lost or stolen, or someone if you believe that an unauthorized electronic fund transfer has transferred or may transfer money from your Account been made without your permission, call permission using the Service. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (000) 000-0000plus your maximum overdraft line of credit). If you notify tell us within two (2) business days after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used the Card, PIN or Account number without your permission. If you do not notify us within two (2) business days 2 Business Days after you learn of the loss or theft of your Cardpassword or other means to access your account through which you access the Service, Account number you can lose no more than $50 if someone accessed your account and initiated a Payment Instruction without your permission. If you do NOT tell us within 2 Business Days after you learn of the loss or PIN theft of your password or other means to access your account through which you access the Service, and we can prove that we could have stopped someone from using your Account the Service without your permission if you had promptly notified told us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card500. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Also, if you become aware of and/or your statement shows transactions transfers that you did not make, notify including those made using the Service or by other means, tell us at once following the procedures stated in the below sub-section captioned “Information About Your Right to Dispute Errors.” once. If you do not notify tell us within sixty (60) 60 days after you become aware of the transaction(s) and/or the statement was made available mailed to you, you may not get back any of the value money you lost after the sixty (60) 60 days if we can prove that we could have stopped someone from taking value the money if you had notified told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. Additional limit on Liability for Columbia VISA® Debit Card. Unless you have been negligent or have engaged in fraud, you will not be liable for any unauthorized transactions using your lost or stolen Columbia VISA® Debit Card. This additional limit on liability does not apply to ATM transactions outside the U.S., to ATM transactions not sent over Visa or Plus networks, or to transactions using your Personal Identification Number which are not processed by VISA®. Visa is a registered trademark of Visa International Service Association. (b) Contact in event of unauthorized transfer. If you believe your Cardcard, PIN code, or Account number your password or other means to access your account through which you access the Service has been lost or stolen, we will close your Card and/or Account to keep losses down and send you a replacement Card and/or Account numbercall or write us at the telephone number or address listed in this User Agreement.

Your Liability for Unauthorized Transfers. a. Contact us at once if If you permit other persons to use Payments and Transfers or your Password, you are responsible for any transactions they authorize from your accounts. If you believe that your Card, PIN or Account number has been stolen. Telephoning is the best way to minimize your possible losses. If your Card, PIN or Account number Password has been lost or stolen, stolen or that someone has transferred or may transfer money from your Account account without your permission, call (000) notify us AT ONCE, by calling 0-000-0000000-0000 or writing us at Online Customer Service, P. O. Box 2558, Houston, TX 77252-9968. 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 or prepaid accounts. Telephoning us is the best and fastest way of keeping your possible losses 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 within two (2) business days Business Days after you learn of any unauthorized transactionsdiscover the loss or theft, you can lose no more than $50.00 are completely covered if someone used the Card, PIN or Account number makes a transfer without your permissionauthorization. If you do not notify tell us within two (2) business days Business Days after you learn of discover the loss or theft of your CardPassword or that an unauthorized online transfer has been made from any of your deposit or prepaid accounts, Account number or PIN and we can prove that we could have stopped someone from using your Account making a transfer without your permission authorization if you had promptly notified told us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with 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 ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Also500.Furthermore, if you become aware of and/or your any account statement shows transactions online transfers that you did not make, notify tell us at once following the procedures stated in the below sub-section captioned “Information About Your Right to Dispute Errors.” AT ONCE. If you do not notify tell us within sixty (60) days after you become aware of the transaction(s) and/or the a statement showing such a transfer was made available transmitted to you, you may not get back any of the value money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking value the money if you had notified told us in time. If a good reason (reason, such as a long trip or a hospital stay) , kept you from telling us, we will extend the time periods. If your Card, PIN or Account number has been lost or stolen, we will close your Card and/or Account .Back to keep losses down and send you a replacement Card and/or Account number.top

Your Liability for Unauthorized Transfers. a. Contact Tell us at once AT ONCE if you believe your Card, PIN or Account number has been stolen. Telephoning is the best way to minimize your possible losses. If your CardPIN, PIN or Account number has been lost or stolen, or someone if you believe that an electronic fund transfer has transferred been or may transfer money from your Account without your permission, call (000) 000-0000. 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, PIN or Account number be made without your permission. Telephoning us at 0-000-000-0000 is the best way of keeping your possible losses down. You could lose all the money in your Account, plus your maximum Overdrive limit, if applicable. If you do not notify tell us within two (2) 2 business days after you learn of the loss or theft of your Card, PIN, or Account number, you can lose no more than $50 if someone used your Card, PIN, or Account number without your permission. If you do NOT tell us within 2 business days after you learn of the loss or PIN theft of your Card, PIN, or Account number, and we can prove that we could have stopped someone from using your Card, PIN, or Account number without your permission if you had promptly notified told us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card500. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Also, if you become aware of and/or your statement shows transactions transfers that you did not make, notify including those made by card, code or other means, tell us at once following once. For procedures on reporting statement errors, see the procedures stated in the below sub-section captioned labeled “Information About Your Right to Dispute Errors.” ”, below. If you do not notify tell us within sixty (60) days after you become aware of the transaction(s) and/or the statement was made available to you, you may not get back any of the value money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking value the money if you had notified told us in time. If a good reason (such as a long trip or a hospital stay) kept keeps you from telling us, we will extend the time periods. If your Card, PIN PIN, or Account number has been lost or stolen, we will may close your Card and/or Account to keep losses down and send you a replacement Card and/or Account number. Notwithstanding the above, pursuant to Visa U.S.A. Inc. Operating Regulations and Visa Zero Liability Rules, your liability for unauthorized Visa debit transactions on your 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 ATM transactions outside the U.S. You must notify us immediately of any unauthorized use.

Your Liability for Unauthorized Transfers. a. Contact us at once if you believe your Card, PIN or Account number Card has been lost or stolen. Telephoning is the best way to minimize your possible losses. If you believe your Card, PIN or Account number Card has been lost or stolen, or that someone has transferred or may transfer money from your Card Account without your permission, call (000) 0-000-0000000-0000 or visit XxXxxxxxxXxxx.xxx. If Under Mastercard Rules, you will not be held responsible for unauthorized transactions if you have used reasonable care in protecting your Card from loss or theft and you have promptly reported to us when you knew that your Card was lost or stolen. Zero Liability does not apply to Mastercard payment cards that are used for commercial purposes, or anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us). In the event that Mastercard Zero Liability does not apply, if you notify us within two (2) business days after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used the Card, PIN or Account number without your Card with- out your permission. If you do not notify us within two (2) business days after you learn of the loss or theft of your Card, Account number or PIN Card and we can prove that we could have stopped someone from using your Account Card without your permission if you had promptly notified us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with 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 ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Also, if you become aware of and/or your statement statement/transaction history shows transactions that you did not make, notify us at once following the procedures stated in the below sub-section captioned paragraph labeled “Information About Your Right to Dispute Errors.” If you do not notify us within sixty (60) days after you become aware of the transaction(s) transaction and/or after the statement history was made available to you, you may not get back any of the value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the value if you had notified us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will may extend the time periods. If your Card, PIN or Account number Card has been lost or stolen, we will close your Card and/or Account to keep losses down and will send you a replacement Card and/or Account numberCard. There is a fee for replacing your Card. For information about the fee, see the section labeled “Fee Schedule.”

Your Liability for Unauthorized Transfers. a. Contact Tell us at once AT ONCE if you believe your Card, PIN Card or Account number has been stolen. Telephoning is the best way to minimize your possible losses. If your Card, PIN or Account number code has been lost or stolen, or someone if you believe that an electronic fund transfer has transferred or may transfer money been made without your permission using information from your Account without Card. Telephoning is the best way of keeping your permission, call (000) 000-0000possible losses down. You could lose all the money in your Card Account. If you notify tell us within two (2) 2 business days after you learn of any unauthorized transactionsthe loss or theft, you can lose no more than $50.00 50 if someone used the Card, PIN your Card or Card Account number without your permission. If you do not notify NOT tell us within two (2) 2 business days after you learn of the loss or theft of your CardCard or code, Account number or PIN and we can prove that we could have stopped someone from using your Account Card or code without your permission if you had promptly notified told us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card500. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Also, if you become aware of and/or your statement electronic history shows transactions transfers that you did not make, notify including those made by Card, code or other means, tell us at once following the procedures stated in the below sub-section captioned “Information About Your Right to Dispute Errors.” once. If you do not notify tell us within sixty (60) 60 days after the earlier you become aware of accessed your Card Account or the transaction(s) and/or the statement was made available date, we FIRST sent a written transaction history to youyou (if applicable), you may not get back any of the value money you lost after the sixty (60) 60 days if we can prove that we could have stopped someone from taking value the money if you had notified told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If 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, PIN transactions not processed by Visa, or Account number to anonymous prepaid cards (until such time as the identity of the cardholder has been lost or stolen, we will close your Card and/or Account to keep losses down and send you a replacement Card and/or Account numberregistered with us). You must notify us immediately of any unauthorized use.

Your Liability for Unauthorized Transfers. a. Contact us at once if you believe your the Card, PIN or Varo Bank Account number has been stolenstolen or compromised. Telephoning is the best way to minimize your possible losses. If your the Card, PIN or Varo Bank Account number has been lost lost, stolen or stolencompromised, or you suspect that someone has transferred or may transfer money from your the Varo Bank Account without your permission, call (0- 000) -000-0000. If 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 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, PIN or Varo Bank Account number without your permission. If you do not notify us within two (2) business days after you learn of the loss or theft of your the Card, PIN, or Varo Bank Account number or PIN and we can prove that we could have stopped someone from using your the Varo Bank Account without your permission if you had promptly notified us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with 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 ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. 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 below sub-section paragraph captioned “"Information About Your Right to Dispute Errors.” ". If you do not notify us within sixty (60) days after you become aware of the transaction(s) and/or the statement was made available to you, you may not get back any of the value you lost after the sixty (60) days if we can prove that we someone could have been stopped someone from taking value if you had notified provided us notice in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If your the Card, PIN or Varo Bank Account number has been lost lost, stolen or stolencompromised, we will close your deactivate the Card and/or Varo Bank Account to keep losses down and send you a replacement Card and/or Varo Bank Account number.

Your Liability for Unauthorized Transfers. a. Contact us at once if you believe your Card, Card or PIN or Account number has been lost or stolen. Telephoning is the best way to minimize your possible losses. If you believe your Card, PIN or Account number Card has been lost or stolen, or that someone has transferred or may transfer money from your Card Account without your permission, call (000) 000-0000us at Customer Service. If you notify us within two (2) business days after have both a virtual and a physical Card and you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used the Card, PIN or Account number without your permission. If you do not notify us within two (2) business days after you learn of the loss or theft report one of your CardCards lost or stolen, Account number or PIN both Cards will be canceled and we can prove that we could have stopped someone from using your Account without your permission if you had promptly notified us, you could lose as much as $500.00. b. new Cards will be issued. Visa Transactions Routed through the Visa System: Visa Zero Liability Protection. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized transactions using your Card Account that take place on the Visa debit transactions made with the Card system without a PIN is $0.00 if you are not grossly negligent or fraudulent in the handling of the your Card. This reduced liability does not apply to certain commercial card transactions, PIN transactions not processed by Visa or to ATM cash withdrawals (see Transactions Not Routed Through the Visa System below). Transactions Not Routed Through the Visa System: Unauthorized transactions outside that are not routed through Visa are not protected by the U.S. You must notify us immediately Visa Zero Liability Protection policy. These types of any unauthorized use. c. transactions include (i) ATM transactions, and (ii) point of sale, PIN, PINless, automated clearing house, or other debit transactions not processed by Visa. Also, if you become aware of and/or your statement or electronic history shows transactions that you did not make, notify us at once following the procedures stated in the below sub-section captioned paragraph labeled “Information About Your Right to Dispute Errors.” ”. If you do not notify us in writing within sixty (60) days after you become aware of the transaction(s) transaction and/or after the statement was made available to you, you may not get back any of the value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the value if you had notified us in timetime and you are grossly negligent or fraudulent in the handling of your Card. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If your Card, PIN or Account number Card has been lost or stolen, we will close your Card and/or Account to keep losses down and send down. Upon your request, we will issue you a replacement Card and/or Account numberCard.

Your Liability for Unauthorized Transfers. a. Contact us at once if you believe If your Card, PIN or Account number user ID and/or password has been stolen. Telephoning is the best way to minimize your possible losses. If your Card, PIN or Account number has been lost or stolen, or someone has transferred or may transfer money from your Account without your permission, call (000) 000-0000. If compromised and you notify tell us within two (2) business days after you learn 2 Business Days of any unauthorized transactionsdiscovering the loss or misappropriation, you can lose no more than $50.00 50 if someone used the Card, PIN or Account number your user ID and/or password without your permission. If you do not notify tell us within two (the 2) business days after you learn of the loss or theft of your Card, Account number or PIN and we can prove that we could have stopped someone from using your Account without your permission if you had promptly notified us-Business Day period, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations500 if we could have stopped the use of your accounts had we received notice in a timely manner. You must contact the Bank as soon as you identify any errors or discrepancies in your periodic statement or transaction record, your liability for unauthorized Visa debit transactions made with the Card is $0.00 or if you are not negligent need any information about a transaction listed on the periodic statement or fraudulent in transaction record. We must hear from you no later than 60 days after we have sent the handling of first statement on which the Cardunauthorized transaction, problem or error appeared. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must (If you notify us immediately of any unauthorized use. c. Alsoverbally, if you become aware of and/or your statement shows transactions we may require that you did not make, notify send us at once following the procedures stated your complaint or question in the below sub-section captioned “Information About Your Right to Dispute Errors.” writing or electronically within 10 Business Days). If you do not fail to notify us within sixty (the 60) days after you become aware of the transaction(s) and/or the statement was made available to you-day period, you may not get back recover any of the value money you lost after the sixty (60) days if we can prove establish that we the loss could have stopped someone from taking value if been avoided had you had notified us in on time. If a We may extend these time periods for good reason (such as a long trip out-of-town travel or a extended hospital staystays. MONEY MANAGEMENT & CASH BACK REWARDS OFFERS – END USER LICENSE AGREEMENT In addition to the Money Management Service and the Cash Back Rewards Offers, the terms " Money Management " and "Cash Back Rewards Offers" also include any other programs, tools, internet-based services, components and any "updates" (for example, Service maintenance, Cash Back Rewards information, help content, bug fixes, or maintenance releases, etc.) kept of Money Management or Cash Back Rewards Offers if and when they are made available to you by us or by our third party vendors. Certain Money Management and Cash Back Rewards Offers may be accompanied by, and will be subject to, additional terms and conditions. You are not licensed or permitted to do any of the following and you may not allow any third party to do any of the following: (i) access or attempt to access any other systems, programs or data that are not made available for public use; (ii) copy, reproduce, republish, upload, post, transmit, resell or distribute in any way the material from telling us, we will extend the time periods. If your Card, PIN Money Management site or Account number has been lost or stolen, we will close your Card and/or Account to keep losses down and send you a replacement Card and/or Account number.from the Cash Back Rewards Offers program;

Your Liability for Unauthorized Transfers. a. Contact Tell us at once AT ONCE if you believe your Card, PIN or Account number has been stolen. Telephoning is the best way to minimize your possible losses. If your Card, PIN or Account number password has been lost or stolenstolen 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 money in your Account(s), or someone has transferred or may transfer money from (plus your Account without your permissionmaximum overdraft Line of Credit, call (000) 000-0000if you have one with us). If you notify tell us within two (2) business days after you learn of any unauthorized transactionsdiscover the loss or theft, you can lose may be liable for no more than $50.00 50, if someone used the Card, PIN or accesses your Account number without your permission. If you do not notify tell us within two (2) business days after you learn of discover the loss or theft of your Cardpassword or that an unauthorized online transfer has been made from any of your deposit Accounts, Account number or PIN and we can prove that we could have stopped someone from using your Account making a transfer without your permission authorization if you had promptly notified told us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card500. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. AlsoFurthermore, if you become aware of and/or your any Account statement shows transactions online transfers that you did not make, notify tell us at once following the procedures stated in the below sub-section captioned “Information About Your Right to Dispute Errors.” AT ONCE. If you do not notify tell us within sixty (60) days for a transfer from your Account after you become aware of the transaction(s) and/or the a statement showing such a transfer was made available to youtransmitted, you may not get back any of the value money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking value the money if you had notified told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling usyour delay in notifying the Credit Union was due to extenuating circumstances, we will shall extend the time periodstimes above to a reasonable period. If you have authorized someone else to use of your Cardpassword (either expressly or through your actions on your account), PIN you are responsible for all transactions that person or Account number has been lost persons initiates at any time, even if the amount or stolentransactions exceed what you may have authorized. For full details regarding your liability for unauthorized transactions, we will close your Card and/or Account refer to keep losses down our Electronic Funds Transfer Agreement and send you a replacement Card and/or Account numberDisclosure section of our Terms and Conditions disclosure. This disclosure may be found on our website at www. xxxxxxxxxx.xxx/Xxxxx/Xxxxxxxxx/Xxxxxxxxxxx.

Your Liability for Unauthorized Transfers. a. Contact us at once if you believe your Card, PIN or Account number Card has been lost or stolen. Telephoning is the best way to minimize your possible losses. If you believe your Card, PIN or Account number 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. Under the 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 (000) 000-0000until such time as the identity of the cardholder has been registered with us). If In the event that Mastercard Zero Liability applies , 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, PIN or Account number 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, Account number or PIN Card and we can prove that we could have stopped someone from using your Account Card without your permission if you had promptly notified us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with 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 ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. 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 below sub-section captioned paragraph labeled “Information About Your Right to Dispute Errors.” If you do not notify us in writing within sixty (60) days after you become aware of the transaction(s) and/or the statement was made available to you, you may not get back any of the value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the value if you had notified us in timetime and you are grossly negligent or fraudulent in the handling of your Card. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If your Card, PIN or Account number Card has been lost or stolen, stolen please notify us immediately and we will close deactivate your Card and/or Account to keep losses down and send you a replacement Card and/or per our fee schedule. In some cases, we may close your Card Account numberto keep losses down. Upon your request, we may provide you with a replacement Card Account.

Your Liability for Unauthorized Transfers. a. Contact Tell us at once AT ONCE if you believe your Card, Card or PIN or Account number has been stolen. Telephoning is the best way to minimize your possible losses. If your Card, PIN or Account number has been lost or stolen, . Re- porting your Card lost or someone has transferred stolen online at xxx.xxxxxxxx.xxx or may transfer money from your Account without your permission, call calling us at (000) 000-00000000 is the best way of keeping your possible losses down. You could lose all the money on your Card. If you notify tell us within two (2) business days after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used the Card, PIN or Account number without your permission. If you do not notify us within two (2) business days after you learn of the loss or theft of your CardCard or PIN, Account number you can lose no more than $50 if someone used your Card or PIN without your per- mission. If you do NOT tell us within two business days after you learn of the loss or theft of your Card or PIN, and we can prove that we could have stopped someone from using your Account Card or PIN without your permission if you had promptly notified told us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, 500. (Note: If your liability for unauthorized Visa debit transactions made with the Card is $0.00 if a MasterCard Card, you are will not be liable for the amounts stated above if: your Card is in good standing; you have not reported more than two incidents of unauthorized use in the preceding 12 months; and you have exercised reasonable care in safeguarding your Card from risk of loss or theft. If your Card is a Visa Card, you will not be liable for the amounts stated above unless we determine that you were grossly negligent or fraudulent in the handling of the your Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. ) Also, if you become aware of and/or your statement on-line or paper transaction history shows transactions transfers that you did not make, notify including those made by your Card, PIN or other means, tell us at once following the procedures stated in the below sub-section captioned “Information About Your Right to Dispute Errors.” once. If you do not notify tell us within sixty 60 days after: (60i) days after you become aware electronically access your Card infor- mation at xxx.xxxxxxxx.xxx; or (ii) we provide you with a written history of the transaction(s) and/or the statement was made available to youyour Card transactions, you may not get back any of the Card value you lost after the sixty (60) 60 days if we can prove that we could have stopped someone from taking the Card value if you had notified told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If You agree to cooperate reasonably with us and our agents and service providers in our attempts to recover funds from, and to assist in the prosecution of, any unauthorized users of your Card, . You agree that any unauthorized use does not include use by a person or merchant to whom you have given authority to use the Card or PIN and that you will be liable for all such uses by such person or Account number has been lost or stolen, we will close your Card and/or Account to keep losses down and send you a replacement Card and/or Account numbermerchant.

Your Liability for Unauthorized Transfers. a. Contact us at once if 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 money in your account. How much of the loss you believe will have to bear will depend on when we are given a notice that your Card, PIN or Account number has been stolen. Telephoning is the best way to minimize your possible losses. If your Card, PIN or Account number Security Credentials has been lost or stolenstolen or are given a notice, or someone become aware of circumstances, indicating that a transaction through the Online Banking Services involving any of your Eligible Accounts has transferred been or may transfer money from be initiated by using your Account Security Credentials without your permissionauthorization. To the extent a transaction is an electronic funds transfer, call under the Federal Reserve Board’s Regulation E (an “EFT”), if we are given the notice or become aware of those circumstances within 2 Business Days after the date you learn of the loss, theft or possible unauthorized EFT, you will have to bear (subject to limitations under federal law) as much as $50 of the loss. If we are not given the notice or do not become aware of those circumstances within those 2 Business Days and we can 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 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) 000-00000000 (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 notify think that your statement is wrong or if you need more information about a transfer listed on the statement, call or write us within two (2) business 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 error appeared. When you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used the Card, PIN or Account number 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, Account number or PIN and we can prove that we could have stopped someone from using your Account without your permission if you had promptly notified us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, (i) tell us your liability for unauthorized Visa debit transactions made with 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 ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. 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 below sub-section captioned “Information About Your Right to Dispute Errors.” If you do not notify us within sixty (60) days after you become aware of the transaction(s) and/or the statement was made available to you, you may not get back any of the value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking value if you had notified us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If your Card, PIN or Account number has been lost or stolen, we will close your Card and/or Account to keep losses down name and send you a replacement Card and/or Account account number.;

Your Liability for Unauthorized Transfers. a. Contact It is your obligation to immediately notify us at once if you believe your Card, card or PIN or Account number has been lost or stolen. Telephoning is the best way to minimize of minimizing your possible losses. If In the event that you fail to notify us that your Card&Rewards Debit Card or PIN is lost, PIN stolen or Account number has been lost or stolencompromised, or someone has transferred or may transfer you could lose all the money from in your Account without account (plus your permission, call (000) 000-0000maximum overdraft line of credit). If you notify us within two (2) 4 business days after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used the Card, PIN or Account number without your permission. If you do not notify us within two (2) business days after you learn of the loss or theft of your Cardcard or PIN, Account number your loss will not exceed $50. If you do NOT notify us within 4 business days of the loss or PIN theft of your card PIN, and we can prove that we could have stopped someone from using your Account card or PIN without your permission if had you had promptly notified usus in a timely manner, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations500. Additionally, if the periodic statement provided by your liability for unauthorized Visa debit transactions financial institution holding your account shows transfers made with your &Rewards Debit Card or through the Card is $0.00 if you are not negligent use of your User ID 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 ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Also, if you become aware of and/or your statement shows transactions PIN that you did not make, notify us at once following the procedures stated in the below sub-section captioned “Information About Your Right to Dispute Errors.” once. If you do not notify us within sixty (60) 90 days after you become aware of the transaction(s) and/or the statement was made available to you, you then may not get back receive any of the value you lost after the sixty (60) days money lost, if we can prove demonstrate that we could have stopped someone from taking value if the money, had you had notified us in timea timely manner. If a good reason (such as a long trip or a hospital stay) kept you from telling usWe may, we will in our sole and absolute discretion, extend the time periods. grace period in the prior sentence, upon good cause shown. (a) Contact in event of unauthorized transfer: If you believe your Card, card or PIN or Account number has been lost or stolen, we will close your call: 0-000-000-0000 or write: National Payment Card and/or Association dba ZipLine Attn: Customer Service 000 Xxxx Xxxx, Xxxxx 000 Xxxxxxxxx Xxxxx, XX 00000 (b) Business days: For purposes of these disclosures, our business days are Monday through Friday, not including Bank Holidays. (c) Transaction and velocity limitation disclosure: 1. Account access. You may use Your card and PIN to keep losses down and send you a replacement Card and/or Account numberpay for purchases at Merchant locations that have agreed to accept the card/mobile payment. 2.

Your Liability for Unauthorized Transfers. a. Contact us You must contact Xxxxxxxx, by calling at once +(000) 000-0000 or emailing xxxx@xxxxxxxx.xxx if you believe your Card, PIN or Account number has been stolen. Telephoning is the best way to minimize your possible losses. If your Card, PIN was stolen or Account number has been lost or stolen, or if you believe someone has transferred or may transfer money from your Account without permission. If your permissionaccount number was stolen or if you believe someone has transferred or may transfer money from your Account without permission contact us immediately through Moniflow, call (000) 000-0000. at the number specified above. d.1 If you notify us within two (2) business days after you learn of any unauthorized transactionstransaction, you can lose your liability would be established in no more than $50.00 if someone used the Card, PIN or your Account number 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, Account number or PIN and we can prove that we could have stopped someone from using your Account without your permission if you had promptly notified us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with 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 ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Also, if d.2 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 section below sub-section captioned “Information About Your Right to Dispute ErrorsErrors and Disputes.” If you do not notify us within sixty (60) days after after d.3 If your Account number changes, you become aware must immediately notify your employer or any other payors or merchants. You must provide them with your new Account number to ensure that your direct deposit and/or payments activity continues uninterrupted. d.4 If you furnish your access device and grant actual authority to make transfers to someone who then exceeds that authority, you will be liable for the transfers the person makes unless we have been notified those transfers by that person are no longer authorized. If you claim a credit or refund because of a forgery, alteration, or any other unauthorized withdrawal, you agree to cooperate with us in the investigation of the transaction(s) and/or loss, including giving us an affidavit containing whatever reasonable information we require concerning your Account, the statement was made available transaction, and the circumstances surrounding the loss. You will notify law enforcement authorities of any criminal act related to youthe claim of lost, you may not get back missing, or stolen checks or unauthorized withdrawals. We will have a reasonable period of time to investigate the facts and circumstances surrounding any claim of the value you lost after the sixty (60) days if loss. Unless we can prove that we could have stopped someone from taking value if you had notified us acted in time. If a good reason (such as a long trip or a hospital stay) kept you from telling usbad faith, we will extend not be liable for any special or consequential damages, including loss of profits or opportunity, or for attorneys’ fees incurred by you. You agree that you will not waive any rights you have to recover your loss against anyone who is obligated to repay, insure, or otherwise reimburse you for your loss. You will pursue your rights or, at our option, assign them to us so that we may pursue them. Our liability will be reduced by the time periodsamount you recover or are entitled to recover from these other sources. If your CardConcerning each item you deposit with us, PIN or Account number has been lost which we cash for you or stolengive other consideration, we will close your Card and/or Account you make the following warranties to keep losses down and send you a replacement Card and/or Account number.us whether Bank is the payor bank or depository bank: all necessary signatures and

Your Liability for Unauthorized Transfers. a. Contact us at once if you believe your Card, PIN or Account number the Card has been stolenlost or stolen or otherwise compromised. Telephoning is the best way to minimize your possible losses. If your Card, PIN or Account number you believe the Card has been lost or stolen, or that someone has transferred or may transfer money from used your Account Card without your permission, call (000) -000-0000. If 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 or used without your permission. 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). PayPal will protect you from unauthorized activity in your PayPal account, as provided in the PayPal User Agreement. See PayPal User Agreement for details. In the event that Mastercard Zero Liability does not apply, if you notify us within two (2) business days after you learn of any unauthorized transactions, you can lose no more than $)50.00 if someone used the Card, PIN or Account number your Card without your permission. If you do not notify us within two (2) business days after you learn of the loss or theft or compromise of your Card, Account number or PIN Card and we can prove that we could have stopped someone from using your Account Card without your permission if you had promptly notified us, you could lose as much as $)500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with 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 ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. 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 below sub-section captioned “Section 17 (Information About Your Right to Dispute Errors.” ). If you do not notify us within sixty (60) days after you become aware of the transaction(s) transaction and/or after the statement was made available to you, you may not get back any of the value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the value if you had notified us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If your Card, PIN or Account number the Card has been lost or stolenstolen or compromised, we will close your the Card and/or Account to keep losses down and will send you a replacement Card and/or Account numbercard.

Your Liability for Unauthorized Transfers. a. Contact us at once if ‌ If you permit other persons to use the Service or your Password, you are responsible for any transactions they authorize from your accounts. If you believe that your Card, PIN or Account number has been stolen. Telephoning is the best way to minimize your possible losses. If your Card, PIN or Account number Password has been lost or stolen, stolen or that someone has transferred or may transfer money from your Account 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 writing us at 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 your Password has been lost or stolen or that an unauthorized online transfer has been made from any of your deposit accounts or Chase Liquid Cards. Telephoning us is the best and fastest way of keeping your possible losses 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 within two (2) business days Business Days after you learn of any unauthorized transactionsdiscover the loss or theft, you can lose no more than $50.00 are completely covered if someone used the Card, PIN or Account number makes a transfer without your permissionauthorization. If you do not notify tell us within two (2) business days Business Days after you learn of discover the loss or theft of your CardPassword or that an unauthorized online transfer has been made from any of your deposit accounts or Chase Liquid Cards, Account number or PIN and we can prove that we could have stopped someone from using your Account making a transfer without your permission authorization if you had promptly notified told us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card500. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. AlsoFurthermore, if you become aware of and/or your any account statement shows transactions online transfers that you did not make, notify tell us at once following the procedures stated in the below sub-section captioned “Information About Your Right to Dispute Errors.” AT ONCE. If you do not notify tell us within sixty (60) days for a transfer from a Chase Account after you become aware of the transaction(s) and/or the a Chase statement showing such a transfer was made available to youtransmitted, you may not get back any of the value money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking value the money if you had notified told us in time. If a good reason (reason, such as a long trip or a hospital stay) , kept you from telling us, we will extend the time periods. If your Card, PIN or Account number has been lost or stolen, we will close your Card and/or Account to keep losses down and send you a replacement Card and/or Account number.

Your Liability for Unauthorized Transfers. a. Contact us at once if you believe your Card, PIN or Account number Card has been lost or stolen. Telephoning is the best way to minimize your possible losses. If you believe your Card, PIN or Account number 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. If 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 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, PIN or Account number 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, Account number or PIN Card and we can prove that we could have stopped someone from using your Account Card without your permission if you had promptly notified us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with 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 ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. 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 below sub-section captioned paragraph labeled “Information About Your Right to Dispute Errors.” If you do not notify us within sixty (60) days after you become aware of the transaction(s) transaction and/or after the statement was made available to you, you may not get back any of the value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the value if you had notified us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If your Card, PIN or Account number Card has been lost or stolen, we will close your Card and/or Account to keep losses down and will send you a replacement Card and/or Account numbercard. There is a fee for replacing your Card. For information about the fee, see the section labeled “Fee Schedule.”

Your Liability for Unauthorized Transfers. a. Contact us at once if you believe your Card, PIN or Account number Card has been lost or stolen. Telephoning is the best way to minimize your possible losses. If you believe your Card, PIN or Account number 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 (000) 000-0000until such time as the identity of the cardholder has been registered with us). If You must notify us 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, PIN or Account number 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, Account number or PIN Card and we can prove that we could have stopped someone from using your Account Card without your permission if you had promptly notified us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with 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 ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Also, if you become aware of and/or your statement history shows transactions that you did not make, notify us at once following the procedures stated in the below sub-section captioned paragraph labeled “Information About Your Right to Dispute Errors.” If you do not notify us within sixty (60) days after you become aware of the transaction(s) transaction and/or after the statement history was made available to you, you may not get back any of the value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the value if you had notified us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If your Card, PIN or Account number Card has been lost or stolen, we will close your Card and/or Account to keep losses down and will send you a replacement Card and/or Account numbercard. There is no fee for replacing your Card. Expedited delivery is available, however there is a fee for this service. For information about applicable fees, please see the “List of All Fees.”

Your Liability for Unauthorized Transfers. a. Contact If you tell us at once if within two (2) Business Days after you believe discover your Card, PIN Log-in Credentials or Account number has been stolen. Telephoning is the best way other means to minimize access your possible losses. If your Card, PIN or Account number account has been lost or stolen, or someone has transferred or may transfer money from your Account without your permission, call (000) 000-0000. If you notify us within two (2) business days after you learn of any unauthorized transactions, you can lose liability is no more than $50.00 if should someone used the Card, PIN or Account number access your account without your permission. If you do not notify tell us within two (2) business days Business Days after you learn of the such loss or theft of your Cardtheft, Account number or PIN and we can prove that we could have stopped someone from using prevented the unauthorized use of your Account without password or other means to access your permission account if you had promptly notified told us, you could lose be liable for as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, . If your liability for unauthorized Visa debit transactions made with 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 ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Also, if you become aware of and/or your monthly financial institution statement shows transactions contains transfers that you did not makeauthorize, notify you must tell us at once following the procedures stated in the below sub-section captioned “Information About Your Right to Dispute Errors.” once. If you do not notify tell us within sixty (60) days after you become aware of the transaction(s) and/or the statement was made available sent to you, you may not get back lose any of the value you lost amount transferred without your authorization after the sixty (60) days if we can prove that we could have stopped someone from taking value if the money had you had notified told us in time. If a good reason (such as a long trip or a hospital stay) kept prevented you from telling us, we will may extend the time periodsperiod. 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 you need more information about a Service transaction listed on the statement, we must hear from you no later than sixty (60) days after the FIRST 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 Cardcomplaint in writing within ten (10) 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, PIN and will correct any error promptly. However, if we require more time to confirm the nature of your complaint or Account number has been lost or stolenquestion, we reserve the right to take up to forty-five (45) days to complete our investigation. If we decide to do this, we will close provisionally credit your Card and/or Payment Account within ten (10) Business Days for the amount you think is in error. If we ask you to keep losses down submit your complaint or question in writing and send 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 replacement Card and/or Account numberwritten 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. a. Contact us at once if you believe your Card, Card or PIN or Account number has been lost or stolen. Telephoning is the best way to minimize your possible losses. If you believe your Card, PIN or Account number Card has been lost or stolen, or that someone has transferred or may transfer money from your Card Account without your permission, call (000) 000-0000us at Customer Service. If you notify us within two (2) business days after have both a virtual and a physical Card and you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used the Card, PIN or Account number without your permission. If you do not notify us within two (2) business days after you learn of the loss or theft report one of your CardCards lost or stolen, Account number or PIN both Cards will be canceled and we can prove that we could have stopped someone from using your Account without your permission if you had promptly notified us, you could lose as much as $500.00. b. new Cards will be issued. VISA Transactions Routed through the Visa System: Visa Zero Liability Protection. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized transactions using your Card Account that take place on the Visa debit transactions made with the Card system without a PIN is $0.00 if you are not grossly negligent or fraudulent in the handling of the your Card. This reduced liability does not apply to certain commercial card transactions, PIN transactions not processed by Visa or to ATM cash withdrawals (see Transactions Not Routed Through the Visa System below). Transactions Not Routed Through the Visa System: Unauthorized transactions outside that are not routed through Visa are not protected by the U.S. You must notify us immediately Visa Zero Liability Protection policy. These types of any unauthorized use. c. transactions include (i) ATM transactions, and (ii) point of sale, PIN, PINless, automated clearing house, or other debit transactions not processed by Visa. Also, if you become aware of and/or your statement or electronic history shows transactions that you did not make, notify us at once following the procedures stated in the below sub-section captioned paragraph labeled “Information About Your Right to Dispute Errors.” ”. If you do not notify us in writing within sixty (60) days after you become aware of the transaction(s) transaction and/or after the statement was made available to you, you may not get back any of the value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the value if you had notified us in timetime and you are grossly negligent or fraudulent in the handling of your Card. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If your Card, PIN or Account number Card has been lost or stolen, we will close your Card and/or Account to keep losses down and send down. Upon your request, we will issue you a replacement Card and/or Account numberCard.

Your Liability for Unauthorized Transfers. a. Contact If you permit other persons to use the Service or your Password, you are responsible for any transactions they authorize from your accounts. If you believe that your Password has been lost or stolen or that For Consumer Deposit Accounts and Chase Liquid Cards Only: Tell us at once AT ONCE if you believe your Card, PIN or Account number has been stolen. Telephoning is the best way to minimize your possible losses. If your Card, PIN or Account number Password has been lost or stolen, stolen or someone that an unauthorized online transfer has transferred been made from any of your deposit accounts or may transfer money from Chase Liquid Cards. Telephoning us is the best and fastest way of keeping your Account without your permission, call (000) 000-0000possible losses 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 within two (2) business days Business Days after you learn of any unauthorized transactionsdiscover the loss or theft, you can lose no more than $50.00 are completely covered if someone used the Card, PIN or Account number makes a transfer without your permissionauthorization. If you do not notify tell us within two (2) business days Business Days after you learn of discover the loss or theft of your CardPassword or that an unauthorized online transfer has been made from any of your deposit accounts or Chase Liquid Cards, Account number or PIN and we can prove that we could have stopped someone from using your Account making a transfer without your permission authorization if you had promptly notified told us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card500. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. AlsoFurthermore, if you become aware of and/or your any account statement shows transactions online transfers that you did not make, notify tell us at once following the procedures stated in the below sub-section captioned “Information About Your Right to Dispute Errors.” AT ONCE. If you do not notify tell us within sixty (60) days for a transfer from a Chase Account after you become aware of the transaction(s) and/or the a Chase statement showing such a transfer was made available to youtransmitted, you may not get back any of the value money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking value the money if you had notified told us in time. If a good reason (reason, such as a long trip or a hospital stay) , kept you from telling us, we will extend the time periods. If your Card, PIN or Account number has been lost or stolen, we will close your Card and/or Account to keep losses down and send you a replacement Card and/or Account number.

Your Liability for Unauthorized Transfers. a. Contact 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 AT ONCE if you believe your ATM card, your Visa Check Card, or your PIN or Account number has been stolen. Telephoning is the best way to minimize your possible losses. If your Card, PIN or Account number has been lost or stolen, or someone if you believe that an electronic fund transfer has transferred or may transfer money been made without your permission using information from your Account without check. Telephoning is the best way of keeping your permissionpossible losses down. You could lose all the money in your account, call plus the maximum amount of any line of credit linked to your account (000such as a Cash Reserve or EquityLine ac- count) 000-0000or savings account linked to your account for overdraft pro- tection transfer purposes. If you notify believe your card has been lost or stolen, and you tell us within two (2) business days after you learn of any unauthorized transactionsthe loss or theft, you can lose no more than $50.00 if someone used the Card, PIN or Account number without for unautho- rized transactions using your permissioncard. If you do not notify NOT tell us within two (2) business days after you learn of the loss or theft of your Cardcard, Account number or PIN and we can prove that we could have stopped someone from using your Account card without your permission if you had promptly notified told us, you could can lose as much as no more than $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability 500 for unauthorized Visa debit transactions made transactions. Losses could in- clude not only the money in your account, but also advances on any credit line associated with the Card is $0.00 if you are not negligent or fraudulent in the handling of the Cardyour account. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Also, if you become aware of and/or your statement shows transactions transfers that you did not make, notify tell us at once following the procedures stated in the below sub-section captioned “Information About Your Right to Dispute Errors.” once. If you do not notify tell us within sixty (60) 60 days after you become aware of the transaction(s) and/or the statement was made available mailed to you, you may not get back any of the value money you lost after the sixty (60) 60 days if we can prove that we could have stopped someone from taking value the mon- ey if you had notified told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will may extend the time periods. 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 you believe your Card, PIN or Account number 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 lost 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 For purposes of these disclosures, our business days are Monday through Friday. Holidays are not included. 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 close disclose information about your Card and/or Account account(s) or the transfers you make that we believe is necessary: • To complete or document transactions, to keep losses down investigate possible unauthorized transactions, or to combat fraud. • To verify the existence and send condition of your account for a third party, such as a credit bureau or merchant. • In response to government agency inquiries or orders. • In response to court orders. • If you a replacement Card and/or Account numbergive 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 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 or to third parties.

Your Liability for Unauthorized Transfers. a. Contact us at once Tell FSB AT ONCE if you believe your CardATM card, PIN debit card, Personal Identification Number (PIN) or Account number similar code has been stolen. Telephoning is the best way to minimize your possible losses. If your Cardlost, PIN or Account number has been lost or stolen, or someone learned by an unauthorized person, or if you believe that an electronic fund transfer has transferred or may transfer money been made without your permission using information from your Account without your permission, call (000) 000-0000check. If you notify us tell FSB within two (2) business days after you learn of any unauthorized transactionsthe loss or theft, you can lose no more than $50.00 if 50 for an unauthorized electronic funds transfer or a series of related unauthorized transfers should someone used the Card, PIN use your card or Account number code without your permission. If you do not notify us NOT tell FSB within two (2) business days after you learn of the loss or theft of your Card, Account number card or PIN code and we can prove that we FSB could have stopped someone from using your Account card or code without your permission if you had promptly notified ustold FSB, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling 500. Your losses could include all of the Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Alsomoney in your account plus, if you become aware of and/or have an overdraft protection plan linked to your account, any transfers from another account, or any advances on a credit line or credit card. Tell FSB AT ONCE if your statement shows transactions transfers that you did not make, notify us at once following the procedures stated in the below sub-section captioned “Information About Your Right to Dispute Errors.” including those made by card, code, or other means. If you do not notify us tell FSB within sixty (60) 60 days after you become aware of the transaction(s) and/or the statement was made available mailed to you, you may not get back any of the value money you lost after the sixty (60) 60 days if we can prove that we FSB could have stopped someone from taking value the money if you had notified us told FSB in time. If a good reason (such as a long trip or a hospital stay) kept you from telling usFSB, we FSB will extend the time periodsperiods for claims of unauthorized transfers. Service Fee Schedule. You may also contact FSB on xxxx.xxx. You should also call the number or write to the address listed on the Service Fee Schedule or contact FSB at xxxx.xxx if you believe a transfer has been made using the information from your check without your permission. If your Cardunauthorized activity occurs, PIN or Account number has been lost or stolen, we will close your Card and/or Account you agree to keep losses down cooperate during the investigation and send you a replacement Card and/or Account numberto complete an affidavit regarding the unauthorized activity.

Your Liability for Unauthorized Transfers. a. Contact Tell us at once AT ONCE if you believe your Card, Card or PIN or Account number has been stolen. Telephoning is the best way to minimize your possible losses. If your Card, PIN or Account number has been lost or stolen, . Reporting your Card lost or someone has transferred stolen online at xxxxxxxxxxxxxxxx.xxx or may transfer money from your Account without your permission, call calling us at (000) 000-00000000 is the best way of keeping your possible losses down. You could lose all the money on your Card. If you notify tell us within two (2) business days after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used the Card, PIN or Account number without your permission. If you do not notify us within two (2) business days after you learn of the loss or theft of your CardCard or PIN, Account number you can lose no more than $50 if someone used your Card or PIN without your permission. If you do NOT tell us within two business days after you learn of the loss or theft of your Card or PIN, and we can prove that we could have stopped someone from using your Account Card or PIN without your permission if you had promptly notified told us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, 500. (Note: If your liability for unauthorized Visa debit transactions made with the Card is $0.00 if a MasterCard Card, you are will not be liable for the amounts stated above if: your Card is in good standing; you have not reported more than two incidents of unauthorized use in the preceding 12 months; and you have exercised reasonable care in safeguarding your Card from risk of loss or theft. If your Card is a Visa Card, you will not be liable for the amounts stated above unless we determine that you were grossly negligent or fraudulent in the handling of the your Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. ) Also, if you become aware of and/or your statement on-line or paper transaction history shows transactions transfers that you did not make, notify including those made by your Card, PIN or other means, tell us at once following the procedures stated in the below sub-section captioned “Information About Your Right to Dispute Errors.” once. If you do not notify tell us within sixty 60 days after: (60i) days after you become aware electronically access your Card information at xxxxxxxxxxxxxxxx.xxx; or (ii) we provide you with a written history of the transaction(s) and/or the statement was made available to youyour Card transactions, you may not get back any of the Card value you lost after the sixty (60) 60 days if we can prove that we could have stopped someone from taking the Card value if you had notified told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If your Card, PIN or Account number has been lost or stolen, we will close your Card and/or Account to keep losses down and send you a replacement Card and/or Account number.

Your Liability for Unauthorized Transfers. a. Contact Tell us at once AT ONCE if you believe your Card, PIN or Account number has been stolen. Telephoning is the best way to minimize your possible losses. If your Card, PIN or Account number has been lost or stolen, or someone if you believe that an electronic fund transfer has transferred or may transfer money from your Account been made without your permission, call (000) 000-0000. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account. If you notify tell us within two (2) business days 2 Business Days after you learn of any unauthorized transactionsthe loss or theft of your Card, PIN or Account number, you can lose no more than $50.00 50 if someone used the your Card, PIN or Account number without your permission. If you do not notify NOT tell us within two (2) business days 2 Business Days after you learn of the loss or theft of your Card, PIN or Account number or PIN number, and we can prove that we could have stopped someone from using your Card, PIN or Account number without your permission if you had promptly notified told us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card500. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Also, if you become aware of and/or your Account statement shows transactions transfers that you did not make, notify including those made by card, code or other means, tell us at once following the procedures stated in the below sub-section captioned “Information About Your Right to Dispute Errors.” once. If you do not notify tell us within sixty (60) days after you become aware of the transaction(s) and/or the Account statement was made available electronically provided to you, you may not get back any of the value money you lost after the sixty (60) 60 days if we can prove that we could have stopped someone from taking value the money if you had notified told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If your Card, PIN or Account number Card has been lost or stolenstolen please notify us immediately and we will inactivate your Card and send you the first replacement Card at no charge. There is a fee for each subsequent replacement Card. Please refer to the paragraph of this Agreement captioned "Fee Schedule" above. In some cases, we will may close your Card and/or Account to keep losses down and send down. Upon your request, we may provide you with a replacement Card and/or Account numberCard.

Your Liability for Unauthorized Transfers. a. Contact us at once if you believe your Card, PIN or Account number has been stolen. Telephoning is the best way to minimize your possible losses. If your Card, PIN or Account number has been lost or stolen, or someone has transferred or may transfer money from your Account without your permission, call (000) 000-0000. If you notify us tell the Credit Union within two (2) business days after you learn of any unauthorized transactionsaccess to your account(s) and/or that your Prime Online User ID or Password has been lost, stolen or compromised, you can lose no more than $50.00 if someone used the Card, PIN or Account number without your permission50.00. If you do not fail to notify us the Credit Union within two (2) business days after you learn of the loss unauthorized access to your account(s) and/or that your Prime Online User ID or theft of your CardPassword has been lost, Account number stolen or PIN compromised, and we can prove that we could have stopped someone from using prevented the unauthorized access to your Account without account(s), or use of your permission if Prime Online User ID and Password had you had promptly notified us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, . If your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent monthly statement or fraudulent in the handling of the Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa your online account detail reflects any transfers or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Also, if you become aware of and/or your statement shows transactions payments that you did not make, notify tell us at once following the procedures stated in the below sub-section captioned “Information About Your Right to Dispute Errors.” once. If you do not notify tell us within sixty (60) days after you become aware of the transaction(sfirst statement which reflected an unauthorized transfer(s) and/or the statement or payment(s) was made available mailed to you, you may not get back any of the value money you lost after the sixty (60) days if days, provided that we can prove that we could have stopped someone from taking value money if you had notified told us in time. In case of errors or questions about your Prime Xxxx Pay transactions or if you need more information about a transaction listed on the statement, contact via phone at 000.000.0000 (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 clearly as possible why you believe it is an error or why you need more information. • Tell us the dollar amount of the suspected error. If a good reason you tell us verbally, we may require that you send, and we receive, your complaint or question in writing within ten (such as a long trip 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 required, it may take up to forty-five (45) days to investigate your complaint or a hospital stayquestion. If so, your account will be adjusted within ten (10) kept business days for the amount you from telling usthink is in error. If we ask you to put your complaint or question 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 extend the time periods. If your Card, PIN or Account number has been lost or stolen, we will close your Card and/or Account to keep losses down and send you a replacement Card and/or Account numberwritten 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. a. Contact us at once if If you permit other persons to use Payments and Transfers or your Password, you are responsible for any transactions they authorize from your accounts. If you believe that your Card, PIN or Account number has been stolen. Telephoning is the best way to minimize your possible losses. If your Card, PIN or Account number Password has been lost or stolen, stolen or that someone has transferred or may transfer money from your Account account without your permission, call (000) notify us AT ONCE, by calling 1-877- 000-0000 or writing us at Online Customer Service, P. O. Xxx 0000, Xxxxxxx, XX 00000- 9968. 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 or prepaid accounts. Telephoning us is the best and fastest way of keeping your possible losses 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 within two (2) business days Business Days after you learn of any unauthorized transactionsdiscover the loss or theft, you can lose no more than $50.00 are completely covered if someone used the Card, PIN or Account number makes a transfer without your permissionauthorization. If you do not notify tell us within two (2) business days Business Days after you learn of discover the loss or theft of your CardPassword or that an unauthorized online transfer has been made from any of your deposit or prepaid accounts, Account number or PIN and we can prove that we could have stopped someone from using your Account making a transfer without your permission authorization if you had promptly notified told us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card500. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. AlsoFurthermore, if you become aware of and/or your any account statement shows transactions online transfers that you did not make, notify tell us at once following the procedures stated in the below sub-section captioned “Information About Your Right to Dispute Errors.” AT ONCE. If you do not notify tell us within sixty (60) days after you become aware of the transaction(s) and/or the a statement showing such a transfer was made available transmitted to you, you may not get back any of the value money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking value the money if you had notified told us in time. If a good reason (reason, such as a long trip or a hospital stay) , kept you from telling us, we will extend the time periods. If your Card, PIN or Account number has been lost or stolen, we will close your Card and/or Account to keep losses down and send you a replacement Card and/or Account number.periods.‌

Your Liability for Unauthorized Transfers. a. Contact us at once if If you permit other persons to use the Service or your Password, you are responsible for any transactions they authorize from your accounts. If you believe that your Card, PIN or Account number has been stolen. Telephoning is the best way to minimize your possible losses. If your Card, PIN or Account number Password has been lost or stolen, stolen or that someone has transferred or may transfer money from your Account 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 writing us at 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 your Password has been lost or stolen or that an unauthorized online transfer has been made from any of your deposit accounts or Chase Liquid Cards. Telephoning us is the best and fastest way of keeping your possible losses 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 within two (2) business days Business Days after you learn of any unauthorized transactionsdiscover the loss or theft, you can lose no more than $50.00 are completely covered if someone used the Card, PIN or Account number makes a transfer without your permissionauthorization. If you do not notify tell us within two (2) business days Business Days after you learn of discover the loss or theft of your CardPassword or that an unauthorized online transfer has been made from any of your deposit accounts or Chase Liquid Cards, Account number or PIN and we can prove that we could have stopped someone from using your Account making a transfer without your permission authorization if you had promptly notified told us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card500. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. AlsoFurthermore, if you become aware of and/or your any account statement shows transactions online transfers that you did not make, notify tell us at once following the procedures stated in the below sub-section captioned “Information About Your Right to Dispute Errors.” AT ONCE. If you do not notify tell us within sixty (60) days for a transfer from a Chase Account after you become aware of the transaction(s) and/or the a Chase statement showing such a transfer was made available to youtransmitted, you may not get back any of the value money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking value the money if you had notified told us in time. If a good reason (reason, such as a long trip or a hospital stay) , kept you from telling us, we will extend the time periods. If your Card, PIN or Account number has been lost or stolen, we will close your Card and/or Account to keep losses down and send you a replacement Card and/or Account number.

Your Liability for Unauthorized Transfers. a. Contact You must notify us at once immediately if you believe that an unauthorized electronic fund transfer from your CardAccount has occurred, PIN or if you believe that one may occur because access to your Account number has been stolenthrough your NinjaCard® or your Portal login information may no longer be secure and may be used without your permission. Telephoning Notifying us through the Portal or our customer service number, 000-000-0000 (855-NINJA42), is the best way to minimize of reducing your possible losses. If your Card, PIN you do not tell us about an unauthorized fund transfer or Account number has been lost or stolen, or someone has transferred or may transfer money from fail to tell us that access to your Account without may no longer be secure, you could lose all of the money in your permission, call (000) 000-0000Account. If you notify provide us with notification, your liability will be limited as follows: ● If you tell us within two (2) business days after you learn of any unauthorized transactionsthat access to your Account may no longer be secure, you can lose are responsible for no more than fifty dollars ($50.00 if someone used the Card, PIN or Account number without 50.00) for unauthorized transfers out of your permissionAccount. If you do not notify NOT tell us within two (2) business days after you learn of the loss or theft of that access to your CardAccount may no longer be secure, Account number or PIN and we can prove that we could have stopped someone from using accessing your Account without your permission if you had promptly notified told us, you could lose as much as are responsible for up to five hundred dollars ($500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card500). This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Also, if you become aware of and/or ● If your statement shows transactions electronic fund transfers that you did not make, notify us at once following the procedures stated in the below sub-section captioned “Information About Your Right to Dispute Errors.” right away. If you do not notify tell us within sixty (60) days after you become aware of the transaction(s) and/or the statement was made available provided to you, you may not get back any of the value money you lost after the sixty (60) days days, if we can prove that we could have stopped someone from taking value the money if you had notified told us in timewithin that time period. If a good reason (such as a long trip or a hospital stay) kept you from telling usAt our discretion, we will may extend the this time periodsperiod. If 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 to tell us that access to your CardAccount may no longer be secure, PIN visit us at xxx.xxxxxxxxx.xxx, call us at 000-000-0000 (855- NINJA42), or Account number has been lost or stolenemail us at xxxxxxx@xxxxxxxxx.xxx. Our business days are Monday through Friday, we will close your Card and/or Account to keep losses down and send you a replacement Card and/or Account numberexcluding Utah banking holidays.

Your Liability for Unauthorized Transfers. a. Contact us at once if you believe If your Card, PIN or Account number user ID and/or password has been stolen. Telephoning is the best way to minimize your possible losses. If your Card, PIN or Account number has been lost or stolen, or someone has transferred or may transfer money from your Account without your permission, call (000) 000-0000. If compromised and you notify tell us within two (2) business days after you learn 2 Business Days of any unauthorized transactionsdiscovering the loss or misappropriation, you can lose no more than $50.00 50 if someone used the Card, PIN or Account number your user ID and/or password without your permission. If you do not notify tell us within two (the 2) business days after you learn of the loss or theft of your Card, Account number or PIN and we can prove that we could have stopped someone from using your Account without your permission if you had promptly notified us-Business Day period, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations500 if we could have stopped the use of your accounts had we received notice in a timely manner. You must contact the Bank as soon as you identify any errors or discrepancies in your periodic statement or transaction record, your liability for unauthorized Visa debit transactions made with the Card is $0.00 or if you are not negligent need any information about a transaction listed on the periodic statement or fraudulent in transaction record. We must hear from you no later than 60 days after we have sent the handling of f irst statement on which the Cardunauthorized transaction, problem or error appeared. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must (If you notify us immediately of any unauthorized use. c. Alsoverbally, if you become aware of and/or your statement shows transactions we may require that you did not make, notify send us at once following the procedures stated your complaint or question in the below sub-section captioned “Information About Your Right to Dispute Errors.” writing or electronically within 10 Business Days). If you do not fail to notify us within sixty (the 60) days after you become aware of the transaction(s) and/or the statement was made available to you-day period, you may not get back recover any of the value money you lost after the sixty (60) days if we can prove establish that we the loss could have stopped someone from taking value if been avoided had you had notified us in on time. If a We may extend these time periods for good reason (such as a long trip out-of-town travel or a extended hospital staystays. MONEY MANAGEMENT & CASH BACK REWARDS OFFERS – END USER LICENSE AGREEMENT In addition to the Money Management Service and the Cash Back Rewards Offers, the terms " Money Management " and "Cash Back Rewards Offers" also include any other programs, tools, internet-based services, components and any "updates" (for example, Service maintenance, Cash Back Rewards inf ormation, help content, bug fixes, or maintenance releases, etc.) kept of Money Management or Cash Back Rewards Offers if and when they are made available to you by us or by our third party vendors. Certain Money Management and Cash Back Rewards Offers may be accompanied by, and will be subject to, additional terms and conditions. You are not licensed or permitted to do any of the following and you may not allow any third party to do any of the following: (i) access or attempt to access any other systems, programs or data that are not made available for public use; (ii) copy, reproduce, republish, upload, post, transmit, resell or distribute in any way the material f rom the Money Management site or from telling us, we will extend the time periods. If your Card, PIN or Account number has been lost or stolen, we will close your Card and/or Account to keep losses down and send you a replacement Card and/or Account number.Cash Back Rewards Offers program;

Your Liability for Unauthorized Transfers. a. Contact us at once if you believe your CardYou must contact Synapse, PIN or Account number has been stolen. Telephoning is the best way to minimize your possible losses. If your Card, PIN or Account number has been lost or stolen, or someone has transferred or may transfer money from your Account without your permission, call (000) 000-0000by calling at 6.8.1. If you notify us within two (2) business days after you learn of any unauthorized transactionstransaction, you can lose no more than $50.00 if someone used the Card, PIN or your Account number 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, Account number or PIN and we can prove that we could have stopped someone from using your Account without your permission if you had promptly notified us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card6.8.2. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Also, if 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 section below sub-section captioned “Information About Your Right to Dispute ErrorsErrors and Disputes.” If you do not notify us within sixty (60) days after (i) you become aware of the transaction(s) and/or (ii) the statement was made available to you, you may not get back any of the value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking value if you had notified us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If your Card, PIN or Account number has been lost or stolenAfter receiving notice from you of such an event, we will close your Card and/or Account to keep losses down and send issue you a replacement Card and/or new Account number. 6.8.3. If your Account number changes, you must immediately notify your employer or any other payors or merchants. You must provide them with your new Account number to ensure that your direct deposit and/or payments activity continues uninterrupted. 6.8.4. If you furnish your access device and grant actual authority to make transfers to someone who then exceeds that authority, you will be liable for the transfers the person makes unless we have been notified that transfers by that person are no longer authorized. If you claim a credit or refund because of a forgery, alteration, or any other unauthorized withdrawal, you agree to cooperate with us in the investigation of the loss, including giving us an affidavit containing whatever reasonable information we require concerning your Account, the transaction, and the circumstances surrounding the loss. You will notify law enforcement authorities of any criminal act related to the claim of lost, missing, or stolen checks or unauthorized withdrawals. We will have a reasonable period of time to investigate the facts and circumstances surrounding any claim of loss. Unless we have acted in bad faith, we will not be liable for any special or consequential damages, including loss of profits or opportunity, or for attorneys’ fees incurred by you. You agree that you will not waive any rights you have to recover your loss against anyone who is obligated to repay, insure, or otherwise reimburse you for your loss. You will pursue your rights or, at our option, assign them to us so that we may pursue them. Our liability will be reduced by the amount you recover or are entitled to recover from these other sources. Concerning each item you deposit with us, or which we cash for you or give other consideration, you make the following warranties to us whether Bank is the payor bank or depository bank: all necessary signatures and endorsements have been placed on the time and are genuine, the item has not been materially altered and you have good title to it, and no defense of any party to the item is good against you. If any such warranty is breached, we may deduct the amount of the item from any of your accounts or otherwise collect from you this amount plus expenses.

Your Liability for Unauthorized Transfers. a. Contact us at once if you believe your Card, PIN or Account number Card has been lost or stolen. Telephoning is the best way to minimize your possible losses. If you believe your Card, PIN or Account number 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 (000) 000-0000until such time as the identity of the cardholder has been registered with us). If You must notify us 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, PIN or Account number 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, Account number or PIN Card and we can prove that we could have stopped someone from using your Account Card without your permission if you had promptly notified us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with 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 ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Also, if you become aware of and/or your statement transaction history shows transactions that you did not make, notify us at once following the procedures stated in the below sub-section captioned paragraph labeled “Information About Your Right to Dispute Errors.” If you do not notify us within sixty (60) days after you become aware of the transaction(s) transaction and/or after the statement transaction history was made available to you, you may not get back any of the value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the value if you had notified us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If your Card, PIN or Account number Card has been lost or stolen, we will close your Card and/or Account to keep losses down and will send you a replacement Card and/or Account numbercard. There is a fee for replacing your Card. For information about the fee, see the section labeled “Fee Schedule.”

Your Liability for Unauthorized Transfers. a. Contact us at once You must contact Synapse, by calling at‌ +0(000) 000-0000 or emailing xxxx@xxxxxxxx.xxx if you believe your Card, PIN or Account number has been stolen. Telephoning is the best way to minimize your possible losses. If your Card, PIN was stolen or Account number has been lost or stolen, or if you believe someone has transferred or may transfer money from your Account without permission. If your permissionaccount number was stolen or if you believe someone has transferred or may transfer money from your Account without permission contact us immediately through Synapse, call (000) 000-0000at the number specified above.‌‌‌ 6.8.1. If you notify us within two (2) business days after you learn of any unauthorized transactionstransaction, you can lose no more than $50.00 if someone used the Card, PIN or your Account number 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, Account number or PIN and we can prove that we could have stopped someone from using your Account without your permission if you had promptly notified notified us, you could lose as much as $500.00.500.00.‌‌‌‌‌ b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card6.8.2. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Also, if 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 section below sub-section captioned “Information About Your Right to Dispute ErrorsErrors and Disputes.” If you do not notify us within sixty (60) days after (i) you become aware of the transaction(s) and/or (ii) the statement was made available to you, you may not get back any of the value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking value if you had notified notified us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If your Card, PIN or Account number has been lost or stolenAfter receiving notice from you of such an event, we will close your Card and/or Account to keep losses down and send issue you a replacement Card new Account number.‌‌‌‌‌‌‌‌ 6.8.3. If your Account number changes, you must immediately notify your employer or any other payors or merchants. You must provide them with your new Account number to ensure that your direct deposit and/or Account number.payments activity continues uninterrupted.‌‌ 6.8.4. If you furnish your access device and grant actual authority to make transfers to someone who then exceeds that authority, you will be liable for the transfers the person makes unless we have been notified that transfers by that person are no longer authorized. If you claim a credit or refund because of a forgery, alteration, or any other unauthorized withdrawal, you agree to cooperate with us in the investigation of the loss, including giving us an affidavit containing whatever reasonable information we require concerning your Account, the transaction, and the circumstances surrounding the loss. You will notify law enforcement authorities of any criminal act related to the claim of lost, missing, or stolen checks or unauthorized withdrawals. We will have a reasonable period of time to investigate the facts and circumstances surrounding any claim of loss. Unless we have acted in bad faith, we will not be liable for any special or consequential damages, including loss of profits or opportunity, or for attorneys’ fees incurred by you. You agree that you will not waive any rights you have to recover your loss against anyone who is obligated to repay, insure, or otherwise reimburse you for your loss. You will pursue your rights or, at our option, assign them to us so that we may pursue them. Our liability will be reduced by the amount you recover or are entitled to recover from these other sources. Concerning each item you deposit with us, or which we cash for you or give other consideration, you make the following warranties to us whether Bank is the payor bank or depository bank: all necessary signatures and endorsements have been placed on the time and are genuine, the item has not been materially altered and you have good title to it, and no defense of any party to the item is good against you. If any such warranty is breached, we may deduct the amount of the item from any of your accounts or otherwise collect from you this amount plus expenses.‌‌‌‌‌‌‌‌‌‌‌‌‌‌‌‌‌‌‌‌‌‌‌

Your Liability for Unauthorized Transfers. a. Contact You agree to exercise reasonable control over the information related to your Uphold USD Account, including your Card, Access Code(s) and PIN. Tell us at once AT ONCE if you believe your Card, Access Code(s), or PIN or Account number has been stolen. Telephoning is the best way to minimize your possible losses. If your Card, PIN or Account number has been lost or stolen. Also, if your transaction history shows transfers that you did not make, including those made with your Card, or someone if you believe an electronic transfer has transferred or may transfer money from your Account been made without your permission, call tell us at once. The best way to keep your losses down is by calling the toll-free number on the back of your Card or +0 (000) 000-0000. You could lose all of the money in your Uphold USD Account. If you notify tell us within two (2) business days after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used the Card, PIN or Account number 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, Account number Access Code(s) or PIN PIN, you can lose no more than $50.00 if someone used your Card without your permission. If you do NOT tell us within two business days after you learn of the loss or theft of your Card, Access Code or PIN, and we can prove that we could have stopped someone from using your Account Card without your permission if you had promptly notified told us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with 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 ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. 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 below sub-section captioned “Information About Your Right to Dispute Errors.” If you do not notify tell us within sixty (60) 60 days after you become aware the earlier of the transaction(s) and/or date you electronically access your Uphold USD Account or the statement was made available to youdate we sent the FIRST written history on which the error appeared, you may not get back any of the value money you lost after the sixty (60) 60 days if we can prove that we could have stopped someone from taking value the money if you had notified told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If Mastercard Zero Liability Policy. Under Mastercard rules, you will not be held responsible for unauthorized Card transactions if you have used reasonable care in protecting your Card, PIN Card from loss or Account number has been theft and you have promptly reported to us when you knew that your Card was lost or stolen, we will close your Card and/or Account . Zero Liability does not apply to keep losses down and send you a replacement Card and/or Account numberMastercard 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).

Your Liability for Unauthorized Transfers. a. Contact You must contact us immediately at once 0-000-000-0000 if you believe your the Card, PIN or Bank Account number has been stolen. Telephoning is the best way to minimize , compromised, or your possible losses. If your Card, PIN or Bank Account number has been lost or stolen, or someone has transferred or may transfer money from your Account used without your permission, call (000) 000-0000. 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, PIN or Account number 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, Account number or PIN and we can prove that we could have stopped someone from using your Account without your permission if you had promptly notified us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating RegulationsCore Rules, your liability for unauthorized Visa debit transactions made with 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 Visa, or to ATM transactions outside anonymous prepaid cards (until such time as the U.S. identity of the cardholder has been registered with us). You must notify us immediately of any unauthorized use. c. . 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. If you do not notify us within two (2) business days after you learn of the loss 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 could lose as much as $500.00. Also, if you become aware of and/or your statement shows transactions that you did not makeauthorize, notify us Xxxx at once following the procedures stated in the below sub-section paragraph captioned “"Information About Your Right to Dispute Errors.” ". If you do not notify us within sixty (60) days after you become aware of the transaction(s) and/or the statement was made available to you, you may not get back any of the value you lost after the sixty (60) days if we can prove that we someone could have been stopped someone from taking value if you had notified provided us notice in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will may extend the time periods. If your Card, PIN or Bank Account number has been lost lost, stolen or stolencompromised, we will close your deactivate the Card and/or Bank Account to keep losses down prevent further transactions from occurring and send you a replacement Card and/or Bank Account numberNumber.

Your Liability for Unauthorized Transfers. a. Contact Tell us at once AT ONCE if you believe your Card, PIN or Account number has been stolen. Telephoning is the best way to minimize your possible losses. If your Card, PIN or Account number has been lost or stolen, or someone if you believe that an electronic fund transfer has transferred been or may transfer money from your Account be made without your permission, call . Telephoning us at (000) 000-00000000 is the best way of keeping your possible losses down. You may also write us at 000 Xxxxxxx Xxxxxx Xxxxx 0 Xxx Xxxxxxxxx, XX 00000. You could lose all the money in your Account, if applicable. If you notify tell us within two (2) business days after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used the Card, PIN or Account number without your permission. If you do not notify us within two (2) 2 business days after you learn of the loss or theft of your Card, PIN or Account number, you can lose no more than $50 if someone used your Card, PIN or Account number without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft of your Card, PIN or Account number, and we can prove that we could have stopped someone from using your Card, PIN or Account number without your permission if you had promptly notified told us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card500. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Also, if you become aware of and/or your statement shows transactions transfers that you did not make, notify including those made by Card, code or other means, tell us at once following once. For procedures on reporting statement errors, see the procedures stated in the below sub-section captioned labeled “Information About Your Right to Dispute Errors.” ”, below. If you do not notify tell us within sixty (60) days after you become aware of the transaction(s) and/or the statement was made available to you, you may not get back any of the value money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking value the money if you had notified told us in time. If a good reason (such as a long trip or a hospital stay) kept keeps you from telling us, we will extend the time periods. If your Card, PIN Card or Account number has been lost or stolen, we will may close your Card and/or Account to keep losses down and send you a replacement Card and/or Account number. Notwithstanding the above, pursuant to Mastercard Inc.’s Mastercard Rules and Mastercard Zero Liability Protection Policy, your liability for unauthorized Mastercard debit transactions on your Account is $0 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 Mastercard, or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use.

Your Liability for Unauthorized Transfers. a. Contact us at once You must contact Synapse, by calling at‌ +0(000) 000-0000 or emailing xxxx@xxxxxxxxx.xxx if you believe your Card, PIN or Account number has been stolen. Telephoning is the best way to minimize your possible losses. If your Card, PIN was stolen or Account number has been lost or stolen, or if you believe someone has transferred or may transfer money from your Account without permission. If your permissionaccount number was stolen or if you believe someone has transferred or may transfer money from your Account without permission contact us immediately through Synapse, call (000) 000-0000at the number specified above.‌‌‌ 5.6.1. If you notify us within two (2) business days after you learn of any unauthorized transactionstransaction, you can lose no more than $50.00 if someone used the Card, PIN or your Account number 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, Account number or PIN and we can prove that we could have stopped someone from using your Account without your permission if you had promptly notified us, you could lose as much as $500.00.500.00.‌‌‌‌‌ b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card5.6.2. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Also, if 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 section below sub-section captioned “Information About Your Right to Dispute ErrorsErrors and Disputes.” If you do not notify us within sixty (60) days after (i) you become aware of the transaction(s) and/or (ii) the statement was made available to you, you may not get back any of the value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking value if you had notified us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If your Card, PIN or Account number has been lost or stolenAfter receiving notice from you of such an event, we will close your Card and/or Account to keep losses down and send issue you a replacement Card new Account number.‌‌‌‌‌‌‌‌ 5.6.3. If your Account number changes, you must immediately notify your employer or any other payors or merchants. You must provide them with your new Account number to ensure that your direct deposit and/or Account number.payments activity continues uninterrupted.‌‌ 5.6.4. If you furnish your access device and grant actual authority to make transfers to someone who then exceeds that authority, you will be liable for the transfers the person makes unless we have been notified that transfers by that person are no longer authorized. If you claim a credit or refund because of a forgery, alteration, or any other unauthorized withdrawal, you agree to cooperate with us in the investigation of the loss, including giving us an affidavit containing whatever reasonable information we require concerning your Account, the transaction, and the circumstances surrounding the loss. You will notify law enforcement authorities of any criminal act related to the claim of lost, missing, or stolen checks or unauthorized withdrawals. We will have a reasonable period of time to investigate the facts and circumstances surrounding any claim of loss. Unless we have acted in bad faith, we will not be liable for any special or consequential damages, including loss of profits or opportunity, or for attorneys’ fees incurred by you. You agree that you will not waive any rights you have to recover your loss against anyone who is obligated to repay, insure, or otherwise reimburse you for your loss. You will pursue your rights or, at our option, assign them to us so that we may pursue them. Our liability will be reduced by the amount you recover or are entitled to recover from these other sources. Concerning each item you deposit with us, or which we cash for you or give other consideration, you make the following warranties to us whether Bank is the payor bank or depository bank: all necessary signatures and endorsements have been placed on the time and are genuine, the item has not been materially altered and you have good title to it, and no defense of any party to the item is good against you. If any such warranty is breached, we may deduct the amount of the item from any of your accounts or otherwise collect from you this amount plus expenses.‌‌‌‌‌‌‌‌‌‌‌‌‌‌‌‌‌‌‌‌‌‌‌

Your Liability for Unauthorized Transfers. a. Contact 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 AT ONCE if you believe your ATM card, your Visa Check Card, or your PIN or Account number has been stolen. Telephoning is the best way to minimize your possible losses. If your Card, PIN or Account number has been lost or stolen, or someone if you believe that an electronic fund transfer has transferred or may transfer money been made without your permission using information from your Account without check. Telephoning is the best way of keeping your permissionpossible losses down. You could lose all the money in your account, call plus the maximum amount of any line of credit linked to your account (000such as a Cash Reserve or EquityLine account) 000-0000or savings account linked to your account for overdraft protection transfer purposes. If you notify believe your card has been lost or stolen, and you tell us within two (2) business days after you learn of any unauthorized transactionsthe loss or theft, you can lose no more than $50.00 if someone used the Card, PIN or Account number without for unauthorized trans- actions using your permissioncard. If you do not notify NOT tell us within two (2) business days after you learn of the loss or theft of your Cardcard, Account number or PIN and we can prove that we could have stopped someone from using your Account without card with- out your permission if you had promptly notified told us, you could can lose as much as no more than $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability 500 for unauthorized Visa debit transactions made transactions. Losses could include not only the money in your account, but also advances on any credit line as- sociated with the Card is $0.00 if you are not negligent or fraudulent in the handling of the Cardyour account. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Also, if you become aware of and/or your statement shows transactions transfers that you did not make, notify tell us at once following the procedures stated in the below sub-section captioned “Information About Your Right to Dispute Errors.” once. If you do not notify tell us within sixty (60) 60 days after you become aware of the transaction(s) and/or the statement was made available mailed to you, you may not get back any of the value money you lost after the sixty (60) 60 days if we can prove that we could have stopped someone from taking value the money if you had notified told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will may extend the time periods. 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 you believe your Card, PIN or Account number 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 lost 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 For purposes of these disclosures, our business days are Monday through Friday. Holidays are not included. 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 close disclose information about your Card and/or Account account(s) or the transfers you make that we believe is necessary: • To complete or document transactions, to keep losses down investigate possible unauthorized transactions, or to combat fraud. • To verify the existence and send condition of your account for a third party, such as a credit bureau or merchant. • In response to government agency inquiries or orders. • In response to court orders. • If you a replacement Card and/or Account numbergive 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 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 or to third parties.

Your Liability for Unauthorized Transfers. a. Contact us at once You must report to the credit union AT ONCE if you believe your Cardaccount number, PIN PIN, or Account number any other code, password, or other means of identification we have provided to you has been stolen, disclosed to or used by an unauthorized person. Enabling your computer to memorize or save your password or other security codes shall be considered authorization for any subsequent use of your computer and access to eBanking or Extra Credit Union eBill Pay by any other person. Telephoning the credit union is the best way to minimize your possible losseskeep losses at a minimum. If you do not phone us immediately, you could lose all the money in your Cardaccount, PIN or Account number has been lost or stolen, or someone has transferred or may transfer money from plus your Account without your permission, call (000) 000-0000maximum overdraft line of credit. If you notify us within two (2) business days after you learn of any unauthorized transactionsdays, you can lose no more than $50.00 50 if someone used the Card, PIN or Account number accessed your account without your permission. If you do not NOT notify us within two (2) business days after you learn of the loss theft or theft unauthorized use of your Cardaccount number, Account number PIN or PIN any other code, password, or other means of identification we have provided to you and we the credit union can prove that we it could have stopped someone from using your Account identification or password without your permission if you had promptly notified ustold the credit union, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card500. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Also, if you become aware of and/or your statement shows transactions transfers that you did not makeauthorize, notify tell us at once following the procedures stated in the below sub-section captioned “Information About Your Right to Dispute Errors.” once. If you do not notify tell us within sixty (60) days after you become aware of the transaction(s) and/or the statement was made available mailed to you, you may not get back any of the value money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking value the money if you had notified told us in time. If a good reason (such as a hospital stay or long trip or a hospital staytrip) kept you from telling usus of the unauthorized transfer, we will may extend the time periodsnotice period, as it deems reasonable. If your Cardyou believe the account number, PIN PIN, or Account number any other code, password, or other means of identification we have provided to you has been lost or stolen, we will close disclosed to or used by an unauthorized person or that someone has transferred or may transfer money from you account without your Card and/or Account to keep losses down and send you a replacement Card and/or Account numberpermission, call or write us at the telephone number or address indicated in this agreement.

Your Liability for Unauthorized Transfers. a. Contact us at once Tell FSB AT ONCE if you believe your CardATM card, PIN debit card, Personal Identification Number (PIN) or Account number similar code has been stolen. Telephoning is the best way to minimize your possible losses. If your Cardlost, PIN or Account number has been lost or stolen, or someone learned by an unauthorized person, or if you believe that an electronic fund transfer has transferred or may transfer money been made without your permission using information from your Account without your permission, call (000) 000-0000check. If you notify us tell FSB within two (2) business days after you learn of any unauthorized transactionsthe loss or theft, you can lose no more than $50.00 if 50 for an unauthorized electronic funds transfer or a series of related unauthorized transfers should someone used the Card, PIN use your card or Account number code without your permission. If you do not notify us NOT tell FSB within two (2) business days after you learn of the loss or theft of your Card, Account number card or PIN code and we can prove that we FSB could have stopped someone from using your Account card or code without your permission if you had promptly notified ustold FSB, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling 500. Your losses could include all of the Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Alsomoney in your account plus, if you become aware of and/or have an overdraft protection plan linked to your account, any transfers from another account, or any advances on a credit line or credit card. Tell FSB AT ONCE if your statement shows transactions transfers that you did not make, notify us at once following the procedures stated in the below sub-section captioned “Information About Your Right to Dispute Errors.” including those made by card, code, or other means. If you do not notify us tell FSB within sixty (60) 60 days after you become aware of the transaction(s) and/or the statement was made available mailed to you, you may not get back any of the value money you lost after the sixty (60) 60 days if we can prove that we FSB could have stopped someone from taking value the money if you had notified us told FSB in time. If a good reason (such as a long trip or a hospital stay) kept you from telling usFSB, we FSB will extend the time periodsperiods for claims of unauthorized transfers. or Stolen USAA ATM cards and debit cards or access codes are shown on the Service Fee Schedule . You may also contact FSB on usaa .com . You should also call the number or write to the address listed on the Service Fee Schedule or contact FSB at xxxx.xxx if you believe a transfer has been made using the information from your check without your permission. If your Cardunauthorized activity occurs, PIN or Account number has been lost or stolen, we will close your Card and/or Account you agree to keep losses down cooperate during the investigation and send you a replacement Card and/or Account numberto complete an affidavit regarding the unauthorized activity.

Your Liability for Unauthorized Transfers. a. Contact us at once AT ONCE if you believe your Card, PIN or Account number Card has been lost or stolen. Telephoning is the best way to minimize your possible losses. If you believe your Card, PIN or Account number Card has been lost or stolen, or that someone has transferred or may transfer money from your Account 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 within two (2) business days after you learn of any unauthorized transactionsdays, you can lose no more than $50.00 if someone used the Card, PIN or Account number 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, Account number or PIN Card and we can prove that we could have stopped someone from using your Account Card without your permission if you had promptly notified us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with 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 ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. 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 below sub-section captioned “Information About Your Right to Dispute Errors.” once. If you do not notify us within sixty (60) days after you become aware of the transaction(s) transaction and/or after the statement was made available to you, you may not get back any of the value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the value if you had notified us in timetime and you are not grossly negligent or fraudulent in the handling of your Card. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If your Card, PIN or Account number Card has been lost or stolen, we will close your Card and/or Account to keep losses down minimize losses. In addition, your Card is covered by MasterCard Zero Liability Protection. Under MasterCard Zero Liability, your liability for unauthorized MasterCard transactions on your Card is $0 if you notify us promptly and send you are not grossly negligent or fraudulent 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 replacement MasterCard cardholder you will not be responsible in the event of unauthorized purchases provided that the following preconditions are met:  Your Card and/or Account numberis 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.