Common use of Your Liability for Unauthorized Transfers Clause in Contracts

Your Liability for Unauthorized Transfers. (Your Liability for Unauthorized Transfers) of the General Terms shall not apply to the Zelle Payment Service. Immediately following your discovery of an unauthorized Zelle Payment Service Payment Instruction, you shall communicate with customer care in the manner set forth in Section 6 of the General Terms above. You acknowledge and agree that time is of the essence in such situations. The best way to minimize your loss is to call us immediately. You will have no liability for unauthorized transactions if you notify us within sixty (60) days after your monthly financial institution statement which shows the unauthorized transaction has been sent to you. If you do not tell us within sixty (60) days after the statement was sent to you, you may lose any amount transferred without your authorization after the sixty (60) days if we can prove that we could have stopped someone from taking the money had you told us in time. If a good reason (such as a long trip or a hospital stay) prevented you from telling us, we will extend the time periods specified above to a reasonable period. When you give someone your password or other means to access your account through which you access the Zelle and Other Payment Services, you are authorizing that person to use your service, and you are responsible for all transactions that person performs while using your service. All transactions that person performs, even those transactions you did not intend or want performed, are authorized transactions. Additionally, transactions that you or someone acting with you initiates with fraudulent intent are also authorized transactions. Note: These liability rules only apply to Eligible Transaction Accounts used for personal, family and household purposes.

Your Liability for Unauthorized Transfers. Section 16 (Your Liability for Unauthorized Transfers) of the General Terms shall not apply to the Zelle Zelle® Payment Service. Immediately following your discovery of an unauthorized Zelle Zelle® Payment Service Payment Instruction, you shall communicate with customer care in the manner set forth in Section 6 of the General Terms above. You acknowledge and agree that time is of the essence in such situations. The best way to minimize your loss is to call us immediately. You will have no liability for unauthorized transactions if you notify us within sixty (60) days after your monthly financial institution statement which shows the unauthorized transaction has been sent to you. If you do not tell us within sixty (60) days after the statement was sent to you, you may lose any amount transferred without your authorization after the sixty (60) days if we can prove that we could have stopped someone from taking the money had you told us in time. If a good reason (such as a long trip or a hospital stay) prevented you from telling us, we will extend the time periods specified above to a reasonable period. When you give someone your password or other means to access your account through which you access the Zelle Zelle® and Other Payment Services, you are authorizing that person to use your service, and you are responsible for all transactions that person performs while using your service. All transactions that person performs, even those transactions you did not intend or want performed, are authorized transactions. Additionally, transactions that you or someone acting with you initiates with fraudulent intent are also authorized transactions. Note: These liability rules only apply to Eligible Transaction Accounts used for personal, family and household purposes.

Your Liability for Unauthorized Transfers. (Your Liability for Unauthorized Transfers) of the General Terms shall not apply to the Zelle Zelle® Payment Service. Immediately following your discovery of an unauthorized Zelle Zelle® Payment Service Payment Instruction, you shall communicate with customer care in the manner set forth in Section 6 of the General Terms above. You acknowledge and agree that time is of the essence in such situations. The best way to minimize your loss is to call us immediately. You will have no liability for unauthorized transactions if you notify us within sixty (60) days after your monthly financial institution statement which shows the unauthorized transaction has been sent to you. If you do not tell us within sixty (60) days after the statement was sent to you, you may lose any amount transferred without your authorization after the sixty (60) days if we can prove that we could have stopped someone from taking the money had you told us in time. If a good reason (such as a long trip or a hospital stay) prevented you from telling us, we will extend the time periods specified above to a reasonable period. When you give someone your password or other means to access your account through which you access the Zelle Zelle® and Other Payment Services, you are authorizing that person to use your service, and you are responsible for all transactions that person performs while using your service. All transactions that person performs, even those transactions you did not intend or want performed, are authorized transactions. Additionally, transactions that you or someone acting with you initiates with fraudulent intent are also authorized transactions. Note: These liability rules only apply to Eligible Transaction Accounts used for personal, family and household purposes.

Your Liability for Unauthorized Transfers. The terms of this Section 12 shall apply in lieu of Section 3.04 (Your Liability for Unauthorized Transfers; Advisability of Prompt Reporting) of the General Terms shall not apply this Agreement with respect to the Zelle Payment Service. Immediately following your discovery of an unauthorized Zelle Zelle® Payment Service Payment Instructionto the extent the terms of this Section 12 impose lesser liability on you than the terms of Section 3.04. If for any reason the terms of this Section 12 shall be inapplicable to a transaction, then the terms of Section 3.04 shall apply. An unauthorized transfer means a transfer from your Eligible Account that is initiated by another person without your authority to initiate the transfer and from which you shall communicate receive no benefit. The term does not include any transfer that is initiated by a person who was furnished with customer care your Access Credentials by you, unless you have notified us that transfers by that person are no longer authorized and we have had reasonable opportunity to act on that notification. a. Tell us AT ONCE by contacting us as provided in the manner set forth in Section 6 "Errors or Questions" section of this Agreement if you believe your Access Credentials have been lost or stolen. Telephoning is the General Terms abovebest way of keeping your possible losses down. You acknowledge and agree that time is of the essence in such situations. The best way to minimize your loss is to call us immediately. You will have no liability for unauthorized transactions if you notify us within sixty (60) days after your monthly financial institution statement which shows the unauthorized transaction has been sent to you. . b. If you do not tell us within sixty (60) days after the statement was sent to you, you may lose any amount transferred without your authorization after the sixty (60) days if we can prove that we could have stopped someone from taking the money had you told us in time. If a good reason (such as a long trip or a hospital stay) prevented you from telling us, we will extend the time periods specified above to a reasonable period. When you give someone your password or other means to access your account through which you access the Zelle and Other Payment Services, you are authorizing that person to use your service, and you are responsible for all transactions that person performs while using your service. All transactions that person performs, even those transactions you did not intend or want performed, are authorized transactions. Additionally, transactions that you or someone acting with you initiates with fraudulent intent are also authorized transactions. Note: These liability rules only apply to Eligible Transaction Accounts used for personal, family and household purposes.

Your Liability for Unauthorized Transfers. (Your Liability for Unauthorized Transfers) You must notify us of errors, discrepancies, or possible unauthorized payments as soon as possible upon learning of the General Terms shall not apply discrepancy. If you fail to the Zelle Payment Service. Immediately following your discovery of an unauthorized Zelle Payment Service Payment Instruction, you shall communicate with customer care in the manner set forth in Section 6 of the General Terms above. You acknowledge and agree that time is of the essence in such situations. The best way to minimize your loss is to call us immediately. You will have no liability for unauthorized transactions if you notify us within sixty (60) days after you have received notice of an unauthorized or erroneous transfer or Bill Payment, the Bank will not owe you any interest on the amount in question, even if we are otherwise liable to you in connection with the transaction. The Bank and its Service Provider(s) shall have no liability to you for any unauthorized payment or transfer made using your monthly financial institution statement which shows the Password that occurs before you have notified us of any possible unauthorized transaction has been sent use, and we have had a reasonable opportunity to youact upon that notice. If you do not tell fail to notify us of any discrepancy within one (1) year, you shall be precluded from asserting any such discrepancy against us. a. Limitation of Institution Liability - The Bank and its Service Provider(s) will be deemed to have exercised all due care and to have acted reasonably if we act in accordance with the terms of this agreement and will be liable for loss sustained by you only to the extent such loss is caused by our misconduct. The Bank and its Service Provider(s) will have no liability for any loss or damage: (1) related to the dishonesty of the Business Customer’s employees, officers, agents, or Authorized Persons; (2) resulting from any receiving financial institution’s failure to accept any payment or funds transfer request. b. If the Bank and/or its Service Provider(s) fail or delay in making a transfer or bill payment pursuant to your instruction, or if we make a transfer or payment in an erroneous amount which is less than the amount per your instruction, unless otherwise required by Law our liability shall be limited to interest on the amount which we failed to timely pay, calculated from the date on which the payment was to be made until the date it was actually made or you canceled the instruction. c. We may pay such interest either to you or the intended recipient of the payment, but in no event will we be liable to both parties, and our payment to either party will fully discharge any obligation to the other. If we make a payment in an erroneous amount which exceeds the amount per your payment instruction, or if we permit an unauthorized payment after we have had a reasonable time to act on a notice from you of possible unauthorized use as described above, unless otherwise required by Law, our liability will be limited to a refund of the amount erroneously paid, plus interest thereon from the date of the payment to the date of the refund, but in no event to exceed sixty (60) days after interest. d. If we become liable to you for interest compensation under this agreement or applicable Law, such interest shall be calculated based on the statement was sent average federal funds rate at the federal reserve bank in the district nearest to youthe bank located at which your account is domiciled for each day interest is due, you may lose any amount transferred without your authorization after computed on the basis of a three hundred sixty (60360) days if we can prove that we could day year. e. No third party will have stopped someone from taking rights or claims against the money had you told us in timeBank and its Service Provider(s) under this Agreement. If a good reason (such as a long trip or a hospital stay) prevented you from telling us, we The terms of this section will extend the time periods specified above to a reasonable period. When you give someone your password or other means to access your account through which you access the Zelle and Other Payment Services, you are authorizing that person to use your service, and you are responsible for all transactions that person performs while using your service. All transactions that person performs, even those transactions you did not intend or want performed, are authorized transactions. Additionally, transactions that you or someone acting with you initiates with fraudulent intent are also authorized transactions. Note: These liability rules only apply to Eligible Transaction Accounts used for personal, family and household purposessurvive termination of this Agreement.

Your Liability for Unauthorized Transfers. (Your Liability for Unauthorized Transfers) of the General Terms shall not apply to the Zelle Payment Service. Immediately following your discovery of an unauthorized Zelle Payment Service Payment Instruction, you shall communicate with customer care in the manner set forth in Section 6 of the General Terms above. You acknowledge and agree that time is of the essence in such situations. The best way to minimize your loss is to call us immediately. You will have no liability for unauthorized transactions if you notify us within sixty (60) days after your monthly financial institution statement which shows the unauthorized transaction has been sent to you. If you do not tell us within sixty (60) days after the statement was sent to you, you may lose any amount transferred without your authorization after the sixty (60) days if we can prove that we could have stopped someone from taking the money had you told us in time. If a good reason (such as a long trip or a hospital stay) prevented you from telling us, we will extend the time periods specified above to a reasonable period. When you give someone your password or other means to access your account through which you access the Zelle and Other Payment Services, you are authorizing that person to use your service, and you are responsible for all transactions that person performs while using your service. All transactions that person performs, even those transactions you did not intend or want performed, are authorized transactions. Additionally, transactions that you or someone acting with you initiates with fraudulent intent are also authorized transactions. Note: These liability rules only apply to Eligible Transaction Accounts used for personal, family and household purposes.

Your Liability for Unauthorized Transfers. (Your Liability for Unauthorized Transfers) of the General Terms shall not apply to the Zelle Payment Service. Immediately following your discovery of an unauthorized Zelle Payment Service Payment Instruction, you shall communicate with customer care in the manner set forth in Section 6 of the General Terms above. You acknowledge and agree that time is of the essence in such situations. The best way to minimize your loss is to call us immediately. You will have no liability for unauthorized transactions if you notify us within sixty (60) days after your monthly financial institution statement which shows the unauthorized transaction has been sent to you. If you do not tell us within sixty (60) days after the statement was sent to you, you may lose any amount transferred without your authorization after the sixty (60) days if we can prove that we could have stopped someone from taking the money had you told us in time. If a good reason (such as a long trip or a hospital stay) prevented you from telling us, we will may in our sole discretion extend the time periods specified above to a reasonable period. When you give someone your password or other means to access your account through which you access the Zelle and Other Payment Services, you are authorizing that person to use your service, and you are responsible for all transactions that person performs while using your service. All transactions that person performs, even those transactions you did not intend or want performed, are authorized transactions. Additionally, transactions that you or someone acting with you initiates with fraudulent intent are also authorized transactions. Note: These liability rules only apply to Eligible Transaction Accounts used for personal, family and household purposes.

Your Liability for Unauthorized Transfers. Section C (Your Liability for Unauthorized TransfersUnathorized Transfers from your account) of the General Section IV. Electronic Fund Transfers Disclosure and Terms and Conditions shall not apply to the Zelle Payment Service. Immediately following your discovery of an unauthorized Zelle Payment Service Payment Instruction, you shall communicate with customer care in the manner set forth in Section 6 section M. Bank Contacts of the General Electronic Transfers Disclosure and Terms aboveand Conditions. You acknowledge and agree that time is of the essence in such situations. The best way to minimize your loss is to call us immediately. You will have no liability for unauthorized transactions if you notify us within sixty (60) days after your monthly financial institution statement which shows the unauthorized transaction has been sent to you. If you do not tell us within sixty (60) days after the statement was sent to you, you may lose any amount transferred without your authorization after the sixty (60) days if we can prove that we could have stopped someone from taking the money had you told us in time. If a good reason (such as a long trip or a hospital stay) prevented you from telling us, we will extend the time periods specified above to a reasonable period. When you give someone your password or other means to access your account through which you access the Zelle and Other Payment Services, you are authorizing that person to use your service, and you are responsible for all transactions that person performs while using your service. All transactions that person performs, even those transactions you did not intend or want performed, are authorized transactions. Additionally, transactions that you or someone acting with you initiates with fraudulent intent are also authorized transactions. Note: These liability rules only apply to Eligible Transaction Accounts used for personal, family and household purposes.

Your Liability for Unauthorized Transfers. (Your Liability for Unauthorized TransfersCustomer’s Liability) of the General Terms shall not apply to the Zelle Payment Service. Immediately following your discovery of an unauthorized Zelle Payment Service Payment Instruction, you shall communicate with customer care in the manner set forth in Section 6 2.5 (Notice of the General Terms Errors or Questions About Your Electronic Transfers) above. You acknowledge and agree that time is of the essence in such situations. The best way to minimize your loss is to call us immediately. You will have no liability for unauthorized transactions if you notify us within sixty (60) days after your monthly financial institution statement which shows the unauthorized transaction has been sent to you. If you do not tell us within sixty (60) days after the statement was sent to you, you may lose any amount transferred without your authorization after the sixty (60) days if we can prove that we could have stopped someone from taking the money had you told us in time. If a good reason (such as a long trip or a hospital stay) prevented you from telling us, we will extend the time periods specified above to a reasonable period. When you give someone your password or other means to access your account through which you access the Zelle and Other Payment Services, you are authorizing that person to use your service, and you are responsible for all transactions that person performs while using your service. All transactions that person performs, even those transactions you did not intend or want performed, are authorized transactions. Additionally, transactions that you or someone acting with you initiates with fraudulent intent are also authorized transactions. Note: These liability rules only apply to Eligible Transaction Accounts used for personal, family and household purposes.

Your Liability for Unauthorized Transfers. Section 16 (Your Liability for Unauthorized Transfers) of the General Terms shall not apply to the Zelle Payment Service. Immediately following your discovery of an unauthorized Zelle Payment Service Payment Instruction, you shall communicate with customer care in the manner set forth in Section 6 of the General Terms above. You acknowledge and agree that time is of the essence in such situations. The best way to minimize your loss is to call us immediately. You will have no liability for unauthorized transactions if you notify us within sixty (60) days after your monthly financial institution statement which shows the unauthorized transaction has been sent to you. If you do not tell us within sixty (60) days after the statement was sent to you, you may lose any amount transferred without your authorization after the sixty (60) days if we can prove that we could have stopped someone from taking the money had you told us in time. If a good reason (such as a long trip or a hospital stay) prevented you from telling us, we will may in our sole discretion extend the time periods specified above to a reasonable period. When you give someone your password or other means to access your account through which you access the Zelle and Other Payment Services, you are authorizing that person to use your service, and you are responsible for all transactions that person performs while using your service. All transactions that person performs, even those transactions you did not intend or want performed, are authorized transactions. Additionally, transactions that you or someone acting with you initiates with fraudulent intent are also authorized transactions. Note: These liability rules only apply to Eligible Transaction Accounts used for personal, family and household purposes.

Your Liability for Unauthorized Transfers. Section 16 (Your Liability for Unauthorized Transfers) of the General Terms shall not apply to the Zelle Zelle® Payment Service. Immediately following your discovery of an unauthorized Zelle Zelle® Payment Service Payment Instruction, you shall communicate with customer care us in the manner set forth in Section 6 of the General Terms above. You acknowledge and agree that time is of the essence in such situations. The best way to minimize your loss is to call us immediately. You will have no liability for unauthorized transactions if you notify us within sixty (60) days after your monthly financial institution periodic statement which shows the unauthorized transaction has been sent to you. If you do not tell us within sixty (60) days after the periodic statement was sent to you, you may lose any amount transferred without your authorization after the sixty (60) days if we can prove that we could have stopped someone from taking the money had you told us in time. If a good reason (such as a long trip or a hospital stay) prevented you from telling us, we will extend the time periods specified above to a reasonable period. When you give someone your password or other means to access your account through which you access the Zelle Zelle® and Other Payment Services, you are authorizing that person to use your service, and you are responsible for all transactions that person performs while using your service. All transactions that person performs, even those transactions you did not intend or want performed, are authorized transactions. Additionally, transactions that you or someone acting with you initiates with fraudulent intent are also authorized transactions. Note: These liability rules only apply to Eligible Transaction Accounts used for personal, family and household purposes.

Your Liability for Unauthorized Transfers. (Your Liability for Unauthorized Transfers) of the General Terms shall not apply to the Zelle Zelle® Payment Service. Immediately following your discovery of an unauthorized Zelle Zelle® Payment Service Payment Instruction, you shall communicate with customer care in the manner set forth in Section 6 1.6 of the General Terms above. You acknowledge and agree that time is of the essence in such situations. The best way to minimize your loss is to call us immediately. You will have no liability for unauthorized transactions if you notify us within sixty (60) days after your monthly financial institution statement which shows the unauthorized transaction has been sent to you. If you do not tell us within sixty (60) days after the statement was sent to you, you may lose any amount transferred without your authorization after the sixty (60) days if we can prove that we could have stopped someone from taking the money had you told us in time. If a good reason (such as a long trip or a hospital stay) prevented you from telling us, we will may in our sole discretion extend the time periods specified above to a reasonable period. When you give someone your password or other means to access your account through which you access the Zelle Zelle® and Other Payment Services, you are authorizing that person to use your serviceaccount/our Service, and you are responsible for all transactions that person performs while using your serviceaccount/our Service. All transactions that person performs, even those transactions you did not intend or want performed, are authorized transactions. Additionally, transactions that you or someone acting with you initiates with fraudulent intent are also authorized transactions. Note: These liability rules only apply to Eligible Transaction Accounts used for personal, family and household purposes.

Your Liability for Unauthorized Transfers. (Your Liability for Unauthorized Transfers) of the General Terms shall not apply to the Zelle Payment Service. Immediately following your discovery of an unauthorized Zelle Payment Service Payment Instruction, you shall communicate with customer care for the Service in the manner set forth in Section 6 of the General Terms above. You acknowledge and agree that time is of the essence in such situations. The best way If you tell us within two (2) Business Days after you discover your password or other means to minimize access your account through which you access the Service has been lost or stolen, your liability is no more than $50.00 should someone access your account without your permission. If you do not tell us within two (2) Business Days after you learn of such loss is or theft, and we can prove that we could have prevented the unauthorized use of your password or other means to call us immediately. You will have no liability for unauthorized transactions access your account if you notify us within sixty (60) days after had told us, you could be liable for as much as $500.00. If your monthly financial institution statement which shows the unauthorized transaction has been sent to youcontains payments that you did not authorize, you must tell us at once. If you do not tell us within sixty (60) days after the statement was sent to you, you may lose any amount transferred without your authorization after the sixty (60) days if we can prove that we could have stopped someone from taking the money had you told us in time. If a good reason (such as a long trip or a hospital stay) prevented you from telling us, we will extend the time periods specified above to a reasonable period. When connection with the Service in statistical form for pattern recognition, modeling, enhancement and improvement, system analysis and to analyze the performance of the Service. The following provisions in this Section apply to certain Services: a. Mobile Subscriber Information. You authorize your wireless carrier to disclose information about your account, such as subscriber status, payment method and device details, if available, to support identity verification, fraud avoidance and other uses in support of transactions for the duration of your business relationship with us. This information may also be shared with other companies to support your transactions with us and for identity verification and fraud avoidance purposes. b. Device Data. We may share certain personal information and device-identifying technical data about you give someone and your password devices with third party service providers, who will compare and add device data and fraud data from and about you to a database of similar device and fraud information in order to provide fraud management and prevention services, which include but are not limited to identifying and blocking access to the applicable service or other means to access your account through which you access the Zelle and Other Payment Services, you are authorizing that person to use your service, and you are responsible for all transactions that person performs while using your service. All transactions that person performs, even those transactions you did not intend or want performed, are authorized transactions. Additionally, transactions that you or someone acting with you initiates Web site by devices associated with fraudulent intent are also authorized transactionsor abusive activity. Note: These liability rules only apply Such information may be used by us and our third party service providers to Eligible Transaction Accounts used provide similar fraud management and prevention services for personal, family and household purposesservices or Web sites not provided by us. We will not share with service providers any information that personally identifies the user of the applicable device.

Your Liability for Unauthorized Transfers. (Your Liability for Unauthorized Transfers) of the General Terms shall not apply to the Zelle Payment Service. Immediately following your discovery of an unauthorized Zelle Payment Service Payment Instruction, you shall communicate with customer care in the manner set forth in Section 6 5 of the General Terms above. You acknowledge and agree that time is of the essence in such situations. The best way to minimize your loss is to call us immediately. You will have no liability for unauthorized transactions if you notify us within sixty (60) days after your monthly financial institution statement which shows the unauthorized transaction has been sent to you. If you do not tell us within sixty (60) days after the statement was sent to you, you may lose any amount transferred without your authorization after the sixty (60) days if we can prove that we could have stopped someone from taking the money had you told us in time. If a good reason (such as a long trip or a hospital stay) prevented you from telling us, we will extend the time periods specified above to a reasonable period. When you give someone your password or other means to access your account through which you access the Zelle and Other Payment Services, you are authorizing that person to use your service, and you are responsible for all transactions that person performs while using your service. All transactions that person performs, even those transactions you did not intend or want performed, are authorized transactions. Additionally, transactions that you or someone acting with you initiates with fraudulent intent are also authorized transactions. Note: These liability rules only apply to Eligible Transaction Accounts used for personal, family and household purposes.

Your Liability for Unauthorized Transfers. Section 16 (Your Liability for Unauthorized Transfers) of the General Terms shall not apply to the Zelle Payment Service. Immediately following your discovery of an unauthorized Zelle Payment Service Payment Instruction, you shall communicate with customer care the Contact Center in the manner set forth in Section 6 of the General Terms above. You acknowledge and agree that time is of the essence in such situations. The best way to minimize your loss is to call us immediately. You will have no liability for unauthorized transactions if you notify us within sixty (60) days after your monthly financial institution statement which shows the unauthorized transaction has been sent to you. If you do not tell us within sixty (60) days after the statement was sent to you, you may lose any amount transferred without your authorization after the sixty (60) days if we can prove that we could have stopped someone from taking the money had you told us in time. If a good reason (such as a long trip or a hospital stay) prevented you from telling us, we will extend the time periods specified above to a reasonable period. When you give someone your password or other means to access your account through which you access the Zelle and Other Payment Services, you are authorizing that person to use your service, and you are responsible for all transactions that person performs while using your service. All transactions that person performs, even those transactions you did not intend or want performed, are authorized transactions. Additionally, transactions that you or someone acting with you initiates with fraudulent intent are also authorized transactions. Note: These liability rules only apply to Eligible Transaction Accounts used for personal, family and household purposes.

Your Liability for Unauthorized Transfers. Section 16 (Your Liability for Unauthorized Transfers) of the General Terms shall not apply to the Zelle Zelle® Payment Service. Immediately following your discovery of an unauthorized Zelle Zelle® Payment Service Payment Instruction, you shall communicate with customer care in the manner set forth in Section 6 of the General Terms above. You acknowledge and agree that time is of the essence in such situations. The best way to minimize your loss is to call us immediately. You will have no liability for unauthorized transactions if you notify us within sixty (60) days after your monthly financial institution statement which shows the unauthorized transaction has been sent to you. If you do not tell us within sixty (60) days after the statement was sent to you, you may lose any amount transferred without your authorization after the sixty (60) days if we can prove that we could have stopped someone from taking the money had you told us in time. If a good reason (such as a long trip or a hospital stay) prevented you from telling us, we will may in our sole discretion extend the time periods specified above to a reasonable period. When you give someone your password or other means to access your account through which you access the Zelle Zelle® and Other Payment Services, you are authorizing that person to use your service, and you are responsible for all transactions that person performs while using your service. All transactions that person performs, even those transactions you did not intend or want performed, are authorized transactions. Additionally, transactions that you or someone acting with you initiates with fraudulent intent are also authorized transactions. Note: These liability rules only apply to Eligible Transaction Accounts used for personal, family and household purposes.

Your Liability for Unauthorized Transfers. Section C (Your Liability for Unauthorized TransfersUnathorized Transfers from your account) of the General Section IV. Electronic Fund Transfers Disclsoure and Terms and Conditions shall not apply to the Zelle Payment Service. Immediately following your discovery of an unauthorized Zelle Payment Service Payment Instruction, you shall communicate with customer care in the manner set forth in Section 6 section M. Bank Contacts of the General Electronic Trnasfers Disclosure and Terms aboveand Conditions. You acknowledge and agree that time is of the essence in such situations. The best way to minimize your loss is to call us immediately. You will have no liability for unauthorized transactions if you notify us within sixty (60) days after your monthly financial institution statement which shows the unauthorized transaction has been sent to you. If you do not tell us within sixty (60) days after the statement was sent to you, you may lose any amount transferred without your authorization after the sixty (60) days if we can prove that we could have stopped someone from taking the money had you told us in time. If a good reason (such as a long trip or a hospital stay) prevented you from telling us, we will extend the time periods specified above to a reasonable period. When you give someone your password or other means to access your account through which you access the Zelle and Other Payment Services, you are authorizing that person to use your service, and you are responsible for all transactions that person performs while using your service. All transactions that person performs, even those transactions you did not intend or want performed, are authorized transactions. Additionally, transactions that you or someone acting with you initiates with fraudulent intent are also authorized transactions. Note: These liability rules only apply to Eligible Transaction Accounts used for personal, family and household purposes.

Your Liability for Unauthorized Transfers. (Your Liability for Unauthorized Transfers) of the General Terms shall not apply to the Zelle Zelle® Payment Service. Immediately following your discovery of an unauthorized Zelle Zelle® Payment Service Payment Instruction, you shall communicate with customer care in the manner set forth in Section 6 5 of the General Terms above. You acknowledge and agree that time is of the essence in such situations. The best way to minimize your loss is to call us immediately. You will have no liability for unauthorized transactions (identified by way of periodic statement) if you notify us within sixty (60) days after your monthly financial institution statement which shows the unauthorized transaction has been sent to you. If you do not tell us within sixty (60) days after the statement was sent to you, you may lose any amount transferred without your authorization after the sixty (60) days if we can prove that we could have stopped someone from taking the money had you told us in time. If a good reason (such as a long trip or a hospital stay) prevented you from telling us, we will extend the time periods specified above to a reasonable period. When you give someone your password or other means to access your account through which you access the Zelle Zelle® and Other Payment Services, you are authorizing that person to use your service, and you are responsible for all transactions that person performs while using your service. All transactions that person performs, even those transactions you did not intend or want performed, are authorized transactions. Additionally, transactions that you or someone acting with you initiates with fraudulent intent are also authorized transactions. Note: These liability rules only apply to Eligible Transaction Accounts used for personal, family and household purposes.

Your Liability for Unauthorized Transfers. Section 14 (Your Liability for Unauthorized Transfers) of the General Terms shall not apply to the Zelle Payment Service. Immediately following your discovery of an unauthorized Zelle Payment Service Payment Instruction, you shall communicate with customer care in the manner set forth in Section 6 of the General Terms above. You acknowledge and agree that time is of the essence in such situations. The best way to minimize your loss is to call us immediately. You will have no liability for unauthorized transactions if you notify us within sixty (60) days after your monthly financial institution statement which shows the unauthorized transaction has been sent to you. If you do not tell us within sixty (60) days after the statement was sent to you, you may lose any amount transferred without your authorization after the sixty (60) days if we can prove that we could have stopped someone from taking the money had you told us in time. If a good reason (such as a long trip or a hospital stay) prevented you from telling us, we will may in our sole discretion extend the time periods specified above to a reasonable period. When you give someone your password or other means to access your account through which you access the Zelle and Other Payment Services, you are authorizing that person to use your service, and you are responsible for all transactions that person performs while using your service. All transactions that person performs, even those transactions you did not intend or want performed, are authorized transactions. Additionally, transactions that you or someone acting with you initiates with fraudulent intent are also authorized transactions. Note: These liability rules only apply to Eligible Transaction Accounts used for personal, family and household purposes. XXXX PAYMENT SERVICE ADDITIONAL TERMS 1 Description of Service.

Your Liability for Unauthorized Transfers. Section 16 (Your Liability for Unauthorized Transfers) of the General Terms shall not apply to the Zelle Zelle® Payment Service. Immediately following your discovery of an unauthorized Zelle Zelle® Payment Service Payment Instruction, you shall communicate with customer care in the manner set forth in Section 6 of the General Terms above. You acknowledge and agree that time is of the essence in such situations. The best way to minimize your loss is to call us immediately. You will have no liability for unauthorized transactions if you notify us within sixty (60) days after your monthly financial institution statement which shows the unauthorized transaction has been sent to you. If you do not tell us within sixty (60) days after the statement was sent to you, you may lose any amount transferred without your authorization after the sixty (60) days if we can prove that we could have stopped someone from taking the money had you told us in time. If a good reason (such as a long trip or a hospital stay) prevented you from telling us, we will extend the time periods specified above to a reasonable period. Unauthorized transactions include transfers initiated by a person who obtained your password or other means to access your account through which you access the Zelle® and Other Payment Services from you through fraud or robbery. When you give someone your password or other means to access your account through which you access the Zelle Zelle® and Other Payment Services, you are authorizing that person to use your service, and you are responsible for all transactions that person performs while using your service. All transactions that person performs, even those transactions you did not intend or want performed, are authorized transactions. Additionally, transactions that you or someone acting with you initiates with fraudulent intent are also authorized transactions. Note: These liability rules only apply to Eligible Transaction Accounts used for personal, family and household purposes.

Your Liability for Unauthorized Transfers. (Your Liability for Unauthorized Transfers) of the General Terms shall not apply to the Zelle Zelle® Payment Service. Immediately following your discovery of an unauthorized Zelle Zelle® Payment Service Payment Instruction, you shall communicate with customer care in the manner set forth in Section 6 of the General Terms above. You acknowledge and agree that time is of the essence in such situations. The best way to minimize your loss is to call us immediately. You will have no liability for unauthorized transactions if you notify us within sixty (60) days after your monthly financial institution statement which shows the unauthorized transaction has been sent to you. If you do not tell us within sixty (60) days after the statement was sent to you, you may lose any amount transferred without your authorization after the sixty (60) days if we can prove that we could have stopped someone from taking the money had you told us in time. If a good reason (such as a long trip or a hospital stay) prevented you from telling us, we will extend the time periods specified above to a reasonable period. When you give someone your password or other means to access your account through which you access the Zelle Zelle® and Other Payment Services, you are authorizing that person to use your service, and you are responsible for all transactions that person performs while using your service. All transactions that person performs, even those transactions you did not intend or want performed, are authorized transactions. Additionally, transactions that you or someone acting with you initiates with fraudulent intent are also authorized transactions. Note: These liability rules only apply to Eligible Transaction Accounts used for personal, family and household purposes.

Your Liability for Unauthorized Transfers. Section A.2 (“Your Maximum Liability for Unauthorized Transfers”) of the General Terms Electronic Fund Transfer Act Disclosures shall not apply to the Zelle Zelle® Payment Service. Immediately following your discovery of an unauthorized Zelle Zelle® Payment Service Payment Instruction, you shall communicate with customer care in the manner set forth in pursuant to Consumer Agreement for Online Services, Section 6 of the General Terms above3 – “Communication Between FNB and You” attached below. You acknowledge and agree that time is of the essence in such situations. The best way to minimize your loss is to call us immediately. You will have no liability for unauthorized transactions if you notify us within sixty (60) days after your monthly financial institution statement which shows the unauthorized transaction has been sent to you. If you do not tell us within sixty (60) days after the statement was sent to you, you may lose any amount transferred without your authorization after the sixty (60) days if we can prove that we could have stopped someone from taking the money had you told us in time. If a good reason (such as a long trip or a hospital stay) prevented you from telling us, we will extend the time periods specified above to a reasonable period. When you give someone your password or other means to access your account through which you access the Zelle Zelle® and Other Payment Services, you are authorizing that person to use your service, and you are responsible for all transactions that person performs while using your service. All transactions that person performs, even those transactions you did not intend or want performed, are authorized transactions. Additionally, transactions that you or someone acting with you initiates with fraudulent intent are also authorized transactions. Note: These liability rules only apply to Eligible Transaction Accounts used for personal, family and household purposes. (I) Credit Center

Your Liability for Unauthorized Transfers. (Your Liability for Unauthorized Transfers) of the General Terms shall not apply to the Zelle Payment Service. Immediately following your discovery of an unauthorized Zelle Payment Service Payment Instruction, you shall communicate with customer care in the manner set forth in Section 6 of the General Terms abovecontact us at 000-000-0000. You acknowledge and agree that time is of the essence in such situations. The best way Applicable to minimize PERSONAL Purpose account types only: If you tell us within two (2) Business Days after you discover your password or other means to access your account through which you access the Service has been lost or stolen, your liability is no more than $50.00 should someone access your account without your permission. If you do not tell us within two (2) Business Days after you learn of such loss is or theft, and we can prove that we could have prevented the unauthorized use of your password or other means to call us immediately. You will have no liability for unauthorized transactions access your account if you notify us within sixty (60) days after had told us, you could be liable for as much as $500.00. If your monthly financial institution statement which shows the unauthorized transaction has been sent to youcontains payments that you did not authorize, you must tell us at once. If you do not tell us within sixty (60) days after the statement was sent to you, you may lose any amount transferred without your authorization after the sixty (60) days if we can prove that we could have stopped someone from taking the money had you told us in time. If a good reason (such as a long trip or a hospital stay) prevented you from telling us, we will extend the time periods specified above to a reasonable period. When you give someone your password Applicable to BUSINESS Purpose account types only: Except as otherwise required by law, we shall only be liable for our own gross negligence and willful misconduct and shall not be responsible for any loss or damage arising from or in connection with (a) any inaccuracy, act or failure to act on the part of any person not within our reasonable control or (b) any error, failure or delay in execution of any transfer resulting from circumstances beyond our reasonable control, including, but not limited to, any inoperability of communication facilities, system delays in effecting account postings, or other means operational delays. You agree to access promptly examine all periodic statements of your account through which you access the Zelle accounts affected by transfers and Other Payment Services, you are authorizing any confirmation of transfers that person we or other banks may send or make available to use your serviceyou, and you are responsible to promptly notify us of any discrepancy within thirty (30) days of receipt of any periodic statement or confirmation. We shall not be liable for all transactions that person performs while using your service. All transactions that person performs, even those transactions you did not intend any loss or want performed, are authorized transactions. Additionally, transactions that you damage arising from or someone acting in connection with you initiates with fraudulent intent are also authorized transactions. Note: These liability rules only apply to Eligible Transaction Accounts used for personal, family and household purposesany transfer reflected on such periodic statement.

Your Liability for Unauthorized Transfers. The terms of this Section 12 shall apply in lieu of Section 3.04 (Your Liability for Unauthorized Transfers; Advisability of Prompt Reporting) of the General Terms shall not apply this Agreement with respect to the Zelle Payment Service. Immediately following your discovery of an unauthorized Zelle Zelle® Payment Service Payment Instructionto the extent the terms of this Section 12 impose lesser liability on you than the terms of Section 3.04 . If for any reason the terms of this Section 12 shall be inapplicable to a transaction, then the terms of Section 3.04 shall apply. An unauthorized transfer means a transfer from your Eligible Account that is initiated by another person without your authority to initiate the transfer and from which you shall communicate receive no benefit. The term does not include any transfer that is initiated by a person who was furnished with customer care your Access Credentials by you, unless you have notified us that transfers by that person are no longer authorized and we have had reasonable opportunity to act on that notification. a. Tell us AT ONCE by contacting us as provided in the manner set forth in Section 6 "Errors or Questions" section of this Agreement if you believe your Access Credentials have been lost or stolen. Telephoning is the General Terms abovebest way of keeping your possible losses down. You acknowledge and agree that time is of the essence in such situations. The best way to minimize your loss is to call us immediately. You will have no liability for unauthorized transactions if you notify us within sixty (60) days after your monthly financial institution statement which shows the unauthorized transaction has been sent to you. . b. If you do not tell us within sixty (60) days after the statement was sent to you, you may lose any amount transferred without your authorization after the sixty (60) days if we can prove that we could have stopped someone from taking the money had you told us in time. If a good reason (such as a long trip or a hospital stay) prevented you from telling us, we will extend the time periods specified above to a reasonable period. When you give someone your password or other means to access your account through which you access the Zelle and Other Payment Services, you are authorizing that person to use your service, and you are responsible for all transactions that person performs while using your service. All transactions that person performs, even those transactions you did not intend or want performed, are authorized transactions. Additionally, transactions that you or someone acting with you initiates with fraudulent intent are also authorized transactions. Note: These liability rules only apply to Eligible Transaction Accounts used for personal, family and household purposes.

Your Liability for Unauthorized Transfers. Section 16 (Your Liability for Unauthorized Transfers) of the General Terms shall not apply to the Zelle Zelle® Payment Service. Immediately following your discovery of an unauthorized Zelle Zelle® Payment Service Payment Instruction, you shall communicate with customer care in the manner set forth in Section 6 of the General Terms above. You acknowledge and agree that time is of the essence in such situations. The best way to minimize your loss is to call us immediately. You will have no liability for unauthorized transactions if you notify us within sixty (60) days after your monthly financial institution statement which shows the unauthorized transaction has been sent to you. If you do not tell us within sixty (60) days after the statement was sent to you, you may lose any amount transferred without your authorization after the sixty (60) days if we can prove that we could have stopped someone from taking the money had you told us in time. If a good reason (such as a long trip or a hospital stay) prevented you from telling us, we will extend the time periods specified above to a reasonable period. When you give someone your password or other means to access your account through which you access the Zelle Zelle® and Other Payment Services, you are authorizing that person to use your service, and you are responsible for all transactions that person performs while using your service. All transactions that person performs, even those transactions you did not intend or want performed, are authorized transactions. Additionally, transactions that you or someone acting with you initiates with fraudulent intent are also authorized transactions. Note: These liability rules only apply to Eligible Transaction Accounts used for personal, family and household purposes, which excludes, among other types of transactions, any transactions conducted through the Zelle® Small Business Service. Business Accounts and Zelle® Small Business Service Users We may process any Payment Instruction submitted using your password or other means to access your account even if not authorized by you. You agree to properly review all paper and electronic statements, notices, and transaction information we provide and to report all unauthorized transactions and errors. You may not be liable for unauthorized transactions if you report them within twenty-four (24) hours of the alleged unauthorized transaction posting to your account. 19 Content Standards; Zelle® Tags.

Your Liability for Unauthorized Transfers. Section 16 (Your Liability for Unauthorized Transfers) of the General Terms shall not apply to the Zelle Payment Service. Immediately following your discovery of an unauthorized Zelle Payment Service Payment Instruction, you shall communicate with customer care in the manner set forth in Section 6 of the General Terms above. You acknowledge and agree that time is of the essence in such situations. The best way to minimize your loss is to call us immediately. You will have no liability for unauthorized transactions if you notify us within sixty (60) days after your monthly financial institution statement which shows the unauthorized transaction has been sent to you. If you do not tell us within sixty (60) days after the statement was sent to you, you may lose any amount transferred without your authorization after the sixty (60) days if we can prove that we could have stopped someone from taking the money had you told us in time. If a good reason (such as a long trip or a hospital stay) prevented you from telling us, we will extend the time periods specified above to a reasonable period. When you give someone your password or other means to access your account through which you access the Zelle and Other Payment Services, you are authorizing that person to use your service, and you are responsible for all transactions that person performs while using your service. All transactions that person performs, even those transactions you did not intend or want performed, are authorized transactions. Additionally, transactions that you or someone acting with you initiates with fraudulent intent are also authorized transactions. Note: These liability rules only apply to Eligible Transaction Accounts used for personal, family and household purposes.

Your Liability for Unauthorized Transfers. (Your Liability for Unauthorized Transfers) of the General Terms shall not apply to the Zelle Payment Service. Immediately following your discovery of an unauthorized Zelle Payment Service Payment Instruction, you shall communicate with customer care in the manner set forth in Section 6 of the General Terms above. You acknowledge and agree that time is of the essence in such situations. The best way to minimize your loss is to call us immediately. You will have no liability for unauthorized transactions if you notify us within sixty (60) days after your monthly periodic financial institution statement which shows the unauthorized transaction has first been sent made available to you. If you do not tell us within sixty (60) days after the statement was sent made available to you, you may lose any amount transferred without your authorization after the sixty (60) days if we can prove that we could have stopped someone from taking the money had you told us in time. If a good reason (such as a long trip or a hospital stay) prevented you from telling us, we will extend the time periods specified above to a reasonable period. When you give someone your password or other means to access your account through which you access the Zelle and Other Payment Services, you are authorizing that person to use your service, and you are responsible for all transactions that person performs while using your service. All transactions that person performs, even those transactions you did not intend or want performed, are authorized transactions. Additionally, transactions that you or someone acting with you initiates with fraudulent intent are also authorized transactions. Note: These liability rules only apply to Eligible Transaction Accounts used for personal, family and household purposes.

Your Liability for Unauthorized Transfers. (Your Liability for Unauthorized Transfers) of the General Terms shall not apply to the Zelle Payment Service. Immediately following your discovery of an unauthorized Zelle Payment Service Payment Instruction, you shall communicate with customer care in the manner set forth in Section 6 of the General Terms abovecall us at 800-456- 3000 or write to us at Arkansas Federal Credit Union 00000 Xxxxxxxx Xx., Little Rock, AR 72223. You acknowledge and agree that time is of the essence in such situations. The best way to minimize your loss is to call us immediately. You will have no liability for unauthorized transactions if you notify us within sixty (60) days after your monthly financial institution statement which shows the unauthorized transaction has been sent to you. If you do not tell us within sixty (60) days after the statement was sent to you, you may lose any amount transferred without your authorization after the sixty (60) days if we can prove that we could have stopped someone from taking the money had you told us in time. If a good reason (such as a long trip or a hospital stay) prevented you from telling us, we will extend the time periods specified above to a reasonable period. When you give someone your password or other means to access your account through which you access the Zelle and Other Payment Services, you are authorizing that person to use your service, and you are responsible for all transactions that person performs while using your service. All transactions that person performs, even those transactions you did not intend or want performed, are authorized transactions. Additionally, transactions that you or someone acting with you initiates with fraudulent intent are also authorized transactions. Note: These liability rules only apply to Eligible Transaction Accounts used for personal, family and household purposes.

Your Liability for Unauthorized Transfers. Section 16 (Your Liability for Unauthorized Transfers) of the General Terms shall not apply to the Zelle Zelle® Payment Service. Immediately following your discovery of an unauthorized Zelle Zelle® Payment Service Payment Instruction, you shall communicate with customer care in the manner set forth in Section 6 of the General Terms above. You acknowledge and agree that time is of the essence in such situations. The best way to minimize your loss is to call us immediately. You will have no liability for unauthorized transactions if you notify us within sixty (60) days after your monthly financial institution statement which shows the unauthorized transaction has been sent to you. If you do not tell us within sixty (60) days after the statement was sent to you, you may lose any amount transferred without your authorization after the sixty (60) days if we can prove that we could have stopped someone from taking the money had you told us in time. If a good reason (such as a long trip or a hospital stay) prevented you from telling us, we will extend the time periods specified above to a reasonable period. When you give someone your password or other means to access your account through which you access the Zelle Zelle® and Other Payment Services, you are authorizing that person to use your servicethe Service, and you are responsible for all transactions that person performs while using your servicethe Service. All transactions that person performs, even those transactions you did not intend or want performed, are authorized transactions. Additionally, transactions that you or someone acting with you initiates with fraudulent intent are also authorized transactions. Note: These liability rules only apply to Eligible Transaction Accounts used for personal, family family, and household purposes.

Your Liability for Unauthorized Transfers. (Your Liability for Unauthorized Transfers) of the General Terms shall not apply to the Zelle Payment Service. Immediately following your discovery of an unauthorized Zelle Payment Service Payment Instruction, you shall communicate with customer care our Member Care Center in the manner set forth in Section 6 of 11 (Notices to Us Regarding the General Terms Zelle and Other Payment Services) above. You acknowledge and agree that time is of the essence in such situations. The best way to minimize your loss is to call us immediately. You will have no liability for unauthorized transactions if you notify us within sixty (60) days after your monthly financial institution statement which shows the unauthorized transaction has been sent to you. If you do not tell us within sixty (60) days after the statement was sent to you, you may lose any amount transferred without your authorization after the sixty (60) days if we can prove that we could have stopped someone from taking the money had you told us in time. If a good reason (such as a long trip or a hospital stay) prevented you from telling us, we will extend the time periods specified above to a reasonable period. When you give someone your password or other means to access your account through which you access the Zelle and Other Payment Services, you are authorizing that person to use your service, and you are responsible for all transactions that person performs while using your service. All transactions that person performs, even those transactions you did not intend or want performed, are authorized transactions. Additionally, transactions that you or someone acting with you initiates with fraudulent intent are also authorized transactions. Note: These liability rules only apply to Eligible Transaction Accounts used for personal, family and household purposes.

Your Liability for Unauthorized Transfers. Section H (Your Liability for Unauthorized TransfersAccess) of the General Terms shall not apply to the Zelle Zelle® Payment Service. Immediately following your discovery of an unauthorized Zelle Zelle® Payment Service Payment Instruction, you shall communicate with customer care in the manner set forth in Section 6 BB of the General Terms above. You acknowledge and agree that time is of the essence in such situations. The best way to minimize your loss is to call us immediately. You will have no liability for unauthorized transactions if you notify us within sixty (60) days after your monthly financial institution statement which shows the unauthorized transaction has been sent to you. If you do not tell us within sixty (60) days after the statement was sent to you, you may lose any amount transferred without your authorization after the sixty (60) days if we can prove that we could have stopped someone from taking the money had you told us in time. If a good reason (such as a long trip or a hospital stay) prevented you from telling us, we will extend the time periods specified above to a reasonable period. When you give someone your password or other means to access your account through which you access the Zelle Zelle® and Other Payment Services, you are authorizing that person to use your service, and you are responsible for all transactions that person performs while using your service. All transactions that person performs, even those transactions you did not intend or want performed, are authorized transactions. Additionally, transactions that you or someone acting with you initiates with fraudulent intent are also authorized transactions. Unless otherwise required by applicable law, our obligation to reimburse you for unauthorized transactions applies only if your username or password, or other means to access your account, is stolen (not misused by someone you gave such information or access) and the transaction from your account is initiated by a third party. This agreement does not create any remedy or right of recovery for unauthorized transactions greater than what is required under applicable law. Note: These liability rules only apply to Eligible Transaction Accounts used for personal, family and household purposes.

Your Liability for Unauthorized Transfers. the General Terms (Your Liability for Unauthorized Transfers) of the General Terms shall not apply to the Zelle Payment Service. Immediately following your discovery of an unauthorized Zelle Payment Service Payment Instruction, you shall communicate with customer care in the manner set forth in Section 6 of the General Terms above. You acknowledge and agree that time is of the essence in such situations. The best way to minimize your loss is to call us immediately. You will have no liability for unauthorized transactions if you notify us within sixty (60) days after your monthly financial institution statement which shows the unauthorized transaction has been sent to you. If you do not tell us within sixty (60) days after the statement was sent to you, you may lose any amount transferred without your authorization after the sixty (60) days if we can prove that we could have stopped someone from taking the money had you told us in time. If a good reason (such as a long trip or a hospital stay) prevented you from telling us, we will extend the time periods specified above to a reasonable period. When you give someone your password or other means to access your account through which you access the Zelle and Other Payment Services, you are authorizing that person to use your service, service and you are responsible for all transactions that person performs while using your service. All transactions that person performs, even those transactions you did not intend or want performed, are authorized transactions. Additionally, transactions that you or someone acting with you initiates with fraudulent intent are also authorized transactions. Note: These liability rules only apply to Eligible Transaction Accounts used for personal, family family, and household purposes.

Your Liability for Unauthorized Transfers. The terms of this Section 12 shall apply in lieu of Section 3.04 (Your Liability for Unauthorized Transfers; Advisability of Prompt Reporting) of the General Terms shall not apply this Agreement with respect to the Zelle Payment ServiceService to the extent the terms of this Section 12 impose lesser liability on you than the terms of Section 3.04 . Immediately following If for any reason the terms of this Section 12 shall be inapplicable to a transaction, then the terms of Section 3.04 shall apply. An unauthorized transfer means a transfer from your discovery of an unauthorized Zelle Payment Service Payment InstructionEligible Account that is initiated by another person without your authority to initiate the transfer and from which you receive no benefit. The term does not include any transfer that is initiated by a person who was furnished with your Access Credentials by you, unless you shall communicate with customer care have notified us that transfers by that person are no longer authorized and we have had reasonable opportunity to act on that notification. a. Tell us AT ONCE by contacting us as provided in the manner set forth in Section 6 "Errors or Questions" section of this Agreement if you believe your Access Credentials have been lost or stolen. Telephoning is the General Terms abovebest way of keeping your possible losses down. You acknowledge and agree that time is of the essence in such situations. The best way to minimize your loss is to call us immediately. You will have no liability for unauthorized transactions if you notify us within sixty (60) days after your monthly financial institution statement which shows the unauthorized transaction has been sent to you. . b. If you do not tell us within sixty (60) days after the statement was sent to you, you may lose any amount transferred without your authorization after the sixty (60) days if we can prove that we could have stopped someone from taking the money had you told us in time. If a good reason (such as a long trip or a hospital stay) prevented you from telling us, we will extend the time periods specified above to a reasonable period. When you give someone your password or other means to access your account through which you access the Zelle and Other Payment Services, you are authorizing that person to use your service, and you are responsible for all transactions that person performs while using your service. All transactions that person performs, even those transactions you did not intend or want performed, are authorized transactions. Additionally, transactions that you or someone acting with you initiates with fraudulent intent are also authorized transactions. Note: These liability rules only apply to Eligible Transaction Accounts used for personal, family and household purposes.

Your Liability for Unauthorized Transfers. Section 17 (Your Liability for Unauthorized Transfers) of the General Terms shall not apply to the Zelle Zelle® Payment Service. Immediately following your discovery of an unauthorized Zelle Zelle® Payment Service Payment Instruction, you shall communicate with customer care in the manner set forth in Section 6 of the General Terms above. You acknowledge and agree that time is of the essence in such situations. The best way to minimize your loss is to call us immediately. You will have no liability for unauthorized transactions if you notify us within sixty (60) days after your monthly financial institution statement which shows the unauthorized transaction has been sent to you. If you do not tell us within sixty (60) days after the statement was sent to you, you may lose any amount transferred without your authorization after the sixty (60) days if we can prove that we could have stopped someone from taking the money had you told us in time. If a good reason (such as a long trip or a hospital stay) prevented you from telling us, we will extend the time periods specified above to a reasonable period. When you give someone your password or other means to access your account through which you access the Zelle Zelle® and Other Payment Services, you are authorizing that person to use your service, and you are responsible for all transactions that person performs while using your service. All transactions that person performs, even those transactions you did not intend or want performed, are authorized transactions. Additionally, transactions that you or someone acting with you initiates with fraudulent intent are also authorized transactions. Note: These liability rules only apply to Eligible Transaction Accounts used for personal, family and household purposes.

Your Liability for Unauthorized Transfers. (Your Liability for Unauthorized Transfers) of the General Terms shall not apply to the Zelle Payment Service. Immediately following your discovery of an unauthorized Zelle Payment Service Payment Instruction, you shall communicate with customer care the Contact Center in the manner set forth in Section 6 of the General Terms above. You acknowledge and agree that time is of the essence in such situations. The best way to minimize your loss is to call us immediately. You will have no liability for unauthorized transactions if you notify us within sixty (60) days after your monthly financial institution statement which shows the unauthorized transaction has been sent to you. If you do not tell us within sixty (60) days after the statement was sent to you, you may lose any amount transferred without your authorization after the sixty (60) days if we can prove that we could have stopped someone from taking the money had you told us in time. If a good reason (such as a long trip or a hospital stay) prevented you from telling us, we will may in our sole discretion extend the time periods specified above to a reasonable period. When you give someone your password or other means to access your account through which you access the Zelle and Other Payment Services, you are authorizing that person to use your service, and you are responsible for all transactions that person performs while using your service. All transactions that person performs, even those transactions you did not intend or want performed, are authorized transactions. Additionally, transactions that you or someone acting with you initiates with fraudulent intent are also authorized transactions. Note: These liability rules only apply to Eligible Transaction Accounts used for personal, family and household purposes.