Common use of Your Liability for Unauthorized Transfers Clause in Contracts

Your Liability for Unauthorized Transfers. Tell FSB AT ONCE if you believe your ATM card, debit card, Personal Identification Number (PIN) or similar code has been lost, stolen, or learned by an unauthorized person, or if you believe that an electronic fund transfer has been made without your permission using information from your check. If you tell FSB within two business days after you learn of the loss or theft, you can lose no more than $50 for an unauthorized electronic funds transfer or a series of related unauthorized transfers should someone use your card or code without your permission. If you do NOT tell FSB within two business days after you learn of the loss or theft of your card or code and FSB could have stopped someone from using your card or code without your permission if you had told FSB, you could lose as much as $500. Your losses could include all of the money in your account plus, if you 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 transfers that you did not make, including those made by card, code, or other means. If you do not tell FSB within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if FSB could have stopped someone from taking the money if you had told FSB in time. If a good reason (such as a long trip or a hospital stay) kept you from telling FSB, FSB will extend the time periods for claims of unauthorized transfers. The Telephone Number and Address to Report Unauthorized Transfer and Lost or Stolen USAA ATM cards and debit cards or access codes are shown on the 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 unauthorized activity occurs, you agree to cooperate during the investigation and to complete an affidavit regarding the unauthorized activity.

Your Liability for Unauthorized Transfers. 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 FSB us AT ONCE if you believe your ATM card, debit card, Personal Identification Number (PIN) Card or similar code Access Code has been lostlost or stolen. Also, stolenif your transaction history shows transfers that you did not make, including those made with your Card, Card Number or Account Number, or learned by an unauthorized person, or if you believe that an electronic fund transfer has been made without your permission using information from permission, tell us at once. Telephoning the toll-free number on the back of your checkCard or calling 0-000-000-0000 is the best way of keeping your possible losses down. You could lose all of the money in your Card Account. If you tell FSB us within two business days after you learn of the loss or theft, you can lose no more than $50 for an unauthorized electronic funds transfer or a series of related unauthorized transfers should someone use your card or code without your permission. If you do NOT tell FSB within two (2) business days after you learn of the loss or theft of your card Card, 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 code theft of your Card, and FSB we can prove that we could have stopped someone from using your card or code Card without your permission if you had told FSBus, you could lose as much as $500. Your losses could include all of the money in your account plus, if you 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 transfers that you did not make, including those made by card, code, or other means500.00. If you do not tell FSB us within 60 sixty (60) days after the statement was mailed to youearlier of the date you electronically access your Card Account or the date we sent the FIRST written history on which the error appeared, you may not get back any money you lost after the 60 sixty (60) days if FSB we can prove that we could have stopped someone from taking the money if you had told FSB us in time. If a good good, documented, reason (such as a long trip or a hospital stay) kept you from telling FSBus, FSB we will extend the time periods for claims of unauthorized transfersperiods. The Telephone Number and Address following provisions of this Section apply to Report Unauthorized Transfer and Lost all Card Accounts: You will not be liable for unauthorized use that occurs after you notify us of the loss, theft or Stolen USAA ATM cards and debit cards unauthorized use of your Card or access codes are shown on the Service Fee ScheduleAccess Code. You also agree to cooperate completely with us in attempts to recover funds from unauthorized users and to assist in their prosecution. We may also contact FSB on xxxx.xxxissue replacement Card or Access Code (PIN), but only after you have provided such proof and security or indemnification as we may require. You should also call the number or write In addition, you acknowledge that we may have 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 deactivate your check without your permissionCard and/or Card Account to prevent future losses. If unauthorized activity occursyou share your Card or Access Code (PIN) with another person, use of your Card Account by that person may be considered as authorized. If you authorize another person to use your Card or Access Code (PIN), you agree that you will be liable for all transactions arising from use of the Card or Access Code (PIN) by such person except as otherwise set forth in this Agreement. In all cases, our liability for an unauthorized transaction is limited to cooperate during reimbursing you for the investigation and to complete an affidavit regarding face amount of the unauthorized activitytransaction and any corresponding fees, except as otherwise required by applicable law. A transaction is unauthorized if it is not initiated by you, you did not give permission to make the transaction and you do not benefit from the transaction in any way. Visa’s Zero Liability policy covers U.S.–issued cards only and does not apply to ATM transactions outside the Visa network, 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. 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 FSB us AT ONCE if you believe your ATM card, debit card, Personal Identification Number (PIN) Card or similar code Access Code has been lostlost or stolen. Also, stolenif your transaction history shows transfers that you did not make, including those made with your Card, Card Number or Account Number, or learned by an unauthorized person, or if you believe that an electronic fund transfer has been made without your permission using information from permission, tell us at once. Telephoning the toll-free number on the back of your checkCard or calling (000) 000-0000 is the best way of keeping your possible losses down. You could lose all of the money in your Card Account. If you tell FSB us within two business days after you learn of the loss or theft, you can lose no more than $50 for an unauthorized electronic funds transfer or a series of related unauthorized transfers should someone use your card or code without your permission. If you do NOT tell FSB within two (2) business days after you learn of the loss or theft of your card Card, 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 code theft of your Card, and FSB we can prove that we could have stopped someone from using your card or code Card without your permission if you had told FSBus, you could lose as much as $500. Your losses could include all of the money in your account plus, if you 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 transfers that you did not make, including those made by card, code, or other means500.00. If you do not tell FSB us within 60 sixty (60) days after the statement was mailed to youearlier of the date you electronically access your Card Account or the date we sent the FIRST written history on which the error appeared, you may not get back any money you lost after the 60 sixty (60) days if FSB we can prove that we could have stopped someone from taking the money if you had told FSB us in time. If a good good, documented, reason (such as a long trip or a hospital stay) kept you from telling FSBus, FSB we will extend the time periods for claims of unauthorized transfersperiods. The Telephone Number and Address following provisions of this Section apply to Report Unauthorized Transfer and Lost all Card Accounts: You will not be liable for unauthorized use that occurs after you notify us of the loss, theft or Stolen USAA ATM cards and debit cards unauthorized use of your Card or access codes are shown on the Service Fee ScheduleAccess Code. You also agree to cooperate completely with us in attempts to recover funds from unauthorized users and to assist in their prosecution. We may also contact FSB on xxxx.xxxissue replacement Card or Access Code (PIN), but only after you have provided such proof and security or indemnification as we may require. You should also call the number or write In addition, you acknowledge that we may have 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 deactivate your check without your permissionCard and/or Card Account to prevent future losses. If unauthorized activity occursyou share your Card or Access Code (PIN) with another person, use of your Card Account by that person may be considered as authorized. If you authorize another person to use your Card or Access Code (PIN), you agree that you will be liable for all transactions arising from use of the Card or Access Code (PIN) by such person except as otherwise set forth in this Agreement. In all cases, our liability for an unauthorized transaction is limited to cooperate during reimbursing you for the investigation and to complete an affidavit regarding face amount of the unauthorized activitytransaction and any corresponding fees, except as otherwise required by applicable law. A transaction is unauthorized if it is not initiated by you, you did not give permission to make the transaction and you do not benefit from the transaction in any way.

Your Liability for Unauthorized Transfers. 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 FSB us AT ONCE if you believe your ATM card, debit card, Personal Identification Number (PIN) Card or similar code Access Code has been lostlost or stolen. Also, stolenif your transaction history shows transfers that you did not make, including those made with your Card, Card Number or Account Number, or learned by an unauthorized person, or if you believe that an electronic fund transfer has been made without your permission using information from permission, tell us at once. Telephoning the toll-free number on the back of your checkCard or calling 0-000-000-0000 is the best way of keeping your possible losses down. You could lose all of the money in your Card Account. If you tell FSB us within two business days after you learn of the loss or theft, you can lose no more than $50 for an unauthorized electronic funds transfer or a series of related unauthorized transfers should someone use your card or code without your permission. If you do NOT tell FSB within two (2) business days after you learn of the loss or theft of your card Card, 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 code theft of your Card, and FSB we can prove that we could have stopped someone from using your card or code Card without your permission if you had told FSBus, you could lose as much as $500. Your losses could include all of the money in your account plus, if you 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 transfers that you did not make, including those made by card, code, or other means500.00. If you do not tell FSB us within 60 sixty (60) days after the statement was mailed to youearlier of the date you electronically access your Card Account or the date we sent the FIRST written history on which the error appeared, you may not get back any money you lost after the 60 sixty (60) days if FSB we can prove that we could have stopped someone from taking the money if you had told FSB us in time. If a good good, documented, reason (such as a long trip or a hospital stay) kept you from telling FSBus, FSB we will extend the time periods periods.‌ The following provisions of this Section apply to all Card Accounts: You will not be liable for claims unauthorized use that occurs after you notify us of the loss, theft or unauthorized transfers. The Telephone Number and Address to Report Unauthorized Transfer and Lost use of your Card or Stolen USAA ATM cards and debit cards or access codes are shown on the Service Fee ScheduleAccess Code. You also agree to cooperate completely with us in attempts to recover funds from unauthorized users and to assist in their prosecution. We may also contact FSB on xxxx.xxxissue replacement Card or Access Code (PIN), but only after you have provided such proof and security or indemnification as we may require. You should also call the number or write In addition, you acknowledge that we may have 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 deactivate your check without your permissionCard and/or Card Account to prevent future losses. If unauthorized activity occursyou share your Card or Access Code (PIN) with another person, use of your Card Account by that person may be considered as authorized. If you authorize another person to use your Card or Access Code (PIN), you agree that you will be liable for all transactions arising from use of the Card or Access Code (PIN) by such person except as otherwise set forth in this Agreement. In all cases, our liability for an unauthorized transaction is limited to cooperate during reimbursing you for the investigation and to complete an affidavit regarding face amount of the unauthorized activitytransaction and any corresponding fees, except as otherwise required by applicable law. A transaction is unauthorized if it is not initiated by you, you did not give permission to make the transaction and you do not benefit from the transaction in any way. Mastercard’s Zero Liability policy covers U.S.–issued cards only and does not apply to ATM transactions outside the Mastercard network, PIN transactions not processed by Mastercard, or certain commercial card transactions. Cardholder must notify us promptly of any unauthorized use.

Your Liability for Unauthorized Transfers. Tell FSB us AT ONCE if you believe your Frost Bank ATM Card, Debit Card or similar card, debit cardor your Frost Bank User ID, Personal Identification Number (PIN) PIN or similar other device or code which accesses your Account has been lost, stolen, stolen or otherwise learned or acquired by an unauthorized person, or if you believe that an electronic fund funds transfer has been made without your permission using information from your checkcheck or otherwise. If you tell FSB within two business days after you learn of the The best way to minimize your loss or theft, you can lose no more than $50 for an is to call us immediately. The unauthorized electronic funds transfer or a series of related unauthorized transfers should someone use your card or code without your permission. If you do NOT tell FSB within two business days after you learn of the loss or theft of your card or code and FSB PIN could have stopped someone from using your card or code without your permission if cause you had told FSB, you could to lose as much as $500. Your losses could include all of the your money in your account plusAccounts, plus any amount available under your overdraft protection if you do not notify us in a timely manner. Also, if you 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 Account statement shows transfers that you did not make, including those made by card, code, code or other means, tell us at once. You will have no liability for unauthorized transactions if you notify us within sixty (60) calendar days after the statement showing the transaction has been mailed to you. If you do not tell FSB us within 60 sixty (60) calendar days after the statement was mailed to you, you may not get back any money you lost after the 60 sixty (60) calendar days if FSB we can prove that we could have stopped someone from taking the money if you had told FSB us in time. If a good valid reason (such as a long trip or a hospital stay) kept you from telling FSBus, FSB we will extend the time periods periods. For transactions processed through the Visa or MasterCard system (for claims example, use of your personal Debit Card when no PIN is used), liability limits differ from those set forth above. For transactions processed through the Visa or MasterCard system, you will have no liability for unauthorized transferstransactions in accordance with each network’s respective policies regarding “zero liability” if you promptly report the unauthorized transactions to us. The Telephone Number and Address to Report Unauthorized Transfer and Lost or Stolen USAA ATM cards and debit cards or access codes are shown on the Service Fee Schedule. You For Visa transactions, we may also contact FSB on xxxx.xxx. You should also call the number or write impose greater liability, to the address listed on extent allowed by law, if we reasonably determine that you were negligent or fraudulent in the Service Fee Schedule handling of your Account or contact FSB at xxxx.xxx 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 from the risk of loss or theft. We may reasonably determine that you were negligent or that you failed to exercise reasonable care, for instance, if you believe a transfer has been made using the information from your check without your permission. If do not promptly report one or more unauthorized activity occurs, you agree transactions to cooperate during the investigation and to complete an affidavit regarding the unauthorized activityus.

Your Liability for Unauthorized Transfers. Tell FSB TELL US AT ONCE ONCE, if you believe your ATM card, debit card, Personal Identification Number (PIN) or similar card and/or access code has been lost, lost or stolen, or learned by an unauthorized person, or if you believe that an electronic fund transfer has been made without your permission using information from permission. Telephoning is the best way of keeping your checkpossible losses down. You could lose all the money in your Account (plus your maximum overdraft line-of-credit or funds in your overdraft protection service). If you tell FSB us within two business days after you learn of the loss or theft, you can lose no more than $50 for an unauthorized electronic funds transfer or a series of related unauthorized transfers should someone use your card or code without your permission. If you do NOT tell FSB within two (2) business days after you learn of the loss or theft of your card and/or access code, you can lose no more than $50 if someone used your card and/or access code 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 and/or access code and FSB we can prove that we could have stopped someone from using your card or and/or access code without your permission if you had told FSBus, you could lose as much as $500500.00. Your losses could include all of the money in your account plusAlso, if you 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 transfers that you did not make, make including those made by card, code, card and/or access code or other means, TELL US AT ONCE. If you do not tell FSB us within 60 calendar days after the statement was mailed or delivered to you, you may not get back any money you lost after the 60 days if FSB we can prove that we could have stopped someone from taking the money if you had told FSB us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling FSBus, FSB we will extend the time periods periods. Your Liability for claims Unauthorized Transfers Involving Mastercard® Debit Card. Under Mastercard® zero liability rules, if your Mastercard® Debit Card is lost or stolen, your liability for unauthorized Card transactions, including non-PIN based transactions and PIN based point of sale (POS) and ATM transactions, is zero ($0) provided you have exercised reasonable care in safeguarding your Card from risk of loss or theft and, upon becoming aware of the loss or theft, you promptly reported the loss or theft to us. To qualify for the zero liability limitation, you MUST give prompt and proper notice of the loss, theft, or unauthorized transfers. The Telephone Number and Address to Report Unauthorized Transfer and Lost or Stolen USAA ATM cards and debit cards or access codes are shown on the 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 permissionuse. If unauthorized activity occurs, you agree to cooperate during the investigation and to complete an affidavit regarding we determine that the unauthorized activityuse you have reported involving your Mastercard® Debit Card Account is not covered under this paragraph, your liability will be determined under the preceding paragraph.

Your Liability for Unauthorized Transfers. You agree to exercise reasonable control over your PIN(s); user ID(s); and password(s) and any other access code related to your Card Account (each, an “Access Code” collectively access information) and your Card. Tell FSB us AT ONCE if you believe your ATM cardOur contacts with you about your Card Account are not unsolicited and might result from information we obtain from you or others. We may monitor or record any conversation or other communication with you. Unless the law says we cannot, debit cardwe may modify or suppress caller ID and similar services Applicable Law and Review of Arbitrator’s Award. The arbitrator shall apply applicable federal and Minnesota substantive law and the terms of this Agreement. The arbitrator must apply the terms of this arbitration agreement, Personal Identification Number (PIN) including without limitation the IE4A2A08 Card or similar code Access Information has been lostlost or stolen. Also, stolenif your transaction history shows transfers that you did not make, including those made with your Card, Card Number or Account Number, or learned by an unauthorized person, or if you believe that an electronic fund transfer has been made without your permission using information from permission, tell us at once. Telephoning us at 000-000-0000 is the best way of keeping your checkpossible 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 tell FSB within two business days after you learn have a verified/personalized card the following provisions of the loss or theft, you can lose no more than $50 for an unauthorized electronic funds transfer or a series of related unauthorized transfers should someone use your card or code without your permission. this Section also apply: If you do NOT tell FSB us within two 2 business days after you learn of the loss or theft of your card Card or code 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 FSB we can prove we could have stopped someone from using your card Card or code Access Information without your permission if you had told FSBus within this time frame, you could lose as much as $500500 if someone used your Card or Access Information without your permission. Your losses could include all of the money in your account plusAlso, if you 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 electronic history shows transfers transactions that you did not make, including those made by cardCard, code, Access Information or by other means, tell us AT ONCE. If you do not tell FSB us within 60 120 days after the statement alleged unauthorized transfer was mailed credited or debited to youyour Card Account, you may not get back any money you lost after the 60 days this period if FSB we can prove that we could have stopped someone from taking the money if you had told FSB 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 FSBus, FSB we will extend the time periods for claims of unauthorized transfers. The Telephone Number and Address to Report Unauthorized Transfer and Lost or Stolen USAA ATM cards and debit cards or access codes are shown on the 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 unauthorized activity occurs, you agree to cooperate during the investigation and to complete an affidavit regarding the unauthorized activityreasonable period in our sole discretion.

Your Liability for Unauthorized Transfers. Tell FSB AT ONCE if you believe your ATM card, debit card, Personal Identification Identification Number (PIN) or similar code has been lost, stolen, or learned by an unauthorized person, or if you believe that an electronic fund transfer has been made without your permission using information from your check. If you tell FSB within two business days after you learn of the loss or theft, you can lose no more than $50 for an unauthorized electronic funds transfer or a series of related unauthorized transfers should someone use your card or code without your permission. If you do NOT tell FSB within two business days after you learn of the loss or theft of your card or code and FSB could have stopped someone from using your card or code without your permission if you had told FSB, you could lose as much as $500. Your losses could include all of the money in your account plus, if you 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 transfers that you did not make, including those made by card, code, or other means. If you do not tell FSB within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if FSB could have stopped someone from taking the money if you had told FSB in time. If a good reason (such as a long trip or a hospital stay) kept you from telling FSB, FSB will extend the time periods for claims of unauthorized transfers. The Telephone Number and Address to Report Unauthorized Transfer and Lost or Stolen USAA ATM cards and debit cards or access codes are shown on the 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 unauthorized activity occurs, you agree to cooperate during the investigation and to complete an affidavit affidavit regarding the unauthorized activity.

Your Liability for Unauthorized Transfers. Tell FSB AT ONCE If you believe your Card has been lost or stolen, or that your PIN has been discovered by someone else, or that someone has conducted or may conduct a Transaction without your permission, contact us immediately as described in Section C.4. You should also contact us as described in Section C.4 if you believe your ATM card, debit card, Personal Identification Number (PIN) or similar code has been lost, stolen, or learned by an unauthorized person, or if you believe that an electronic fund transfer a Transaction has been made without your permission using the information from your checkcheck without your permission. Calling us is the best way to reduce possible losses. You could lose all the money in your accounts (plus your maximum overdraft line of credit). If you tell FSB within two business days after you learn of the loss or thefttheft of your Card/PIN and tell us within 2 business days, you can lose no more than $50 for an unauthorized electronic funds transfer or a series of related unauthorized transfers should if someone use used your card or code Card/PIN without your permission. If you do NOT tell FSB us within two 2 business days after you learn of the loss or theft of your card or code Card/PIN, and FSB we can prove we could have stopped someone from using your card or code Card/PIN without your permission if you had told FSBus, you could lose as much as $500. Your losses could include all You will not be liable for any unauthorized Visa Purchases unless we determine that you were grossly negligent or fraudulent in the handling of the money in your account plusor Visa Check Card/Visa HSA Debit Card. Also, if you 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 transfers Transactions that you did not make, including those made by cardCard, code, code or other means, notify us at once. If you do not tell FSB notify us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days lost, if FSB we can prove that we could have stopped someone from taking the money if had you had told FSB us in time. If a good reason reasons (such as a long trip trips or a hospital stay) kept you from telling FSBus, FSB we will extend the time periods for claims to a reasonable limit. Notice of lost Cards or PINs or unauthorized transfers. The Telephone Number and Address Transactions is considered given to Report Unauthorized Transfer and Lost us either in person, by telephone or Stolen USAA ATM cards and debit cards or access codes are shown on the 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 permissionin writing. If unauthorized activity occursyou notify us in writing, notice is considered given at the time you agree to cooperate during place the investigation and to complete an affidavit regarding notice in the unauthorized activitymail or when you deliver the notice for transmission by any other means.

Your Liability for Unauthorized Transfers. Tell FSB us AT ONCE if you believe your ATM card, debit card, Personal Identification Number (PIN) Card or similar code Access Information has been lost, stolen, lost or learned by an unauthorized person, stolen or if you believe that an electronic fund funds transfer has been made without your permission using information from permission. Telephoning us at 1-855-9-AKIMBO (1-8 5-925-4626) is the best way to minimize your checkpossible losses. You could lose all the money in your Card Account. You agree that any unauthorized use does not include use by a person to whom you have given authority to use 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 tell FSB us within two business days after you learn of the loss or theft, you can lose no more than $50 for an unauthorized electronic funds transfer or a series of related unauthorized transfers should someone use your card or code without your permission. If you do NOT tell FSB within two 2 business days after you learn of the loss or theft of your card Card or code 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 FSB we can prove we could have stopped someone from using your card Card or code Access Information without your permission if you had told FSBus within this time frames, you could lose as much as $500500 if someone used your Card or Access Information without your permission. Your losses could include all of the money in your account plusAlso, if you 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 electronic history shows transfers transactions that you did not make, including those made by cardCard, code, Access Information or by other means, tell us AT ONCE following the procedures stated in the paragraph labeled “Information About Your Right To Dispute Errors”. If you do not tell FSB us within 60 the earlier of sixty (60) days of the date you electronically accessed your Card Account (if the error could be viewed in your electronic history), sixty (60) days of the date we sent the first written history on which the error appeared, or one-hundred and twenty (120) days after the statement alleged unauthorized transfer was mailed credited or debited to youyour Card Account, you may not get back any money you lost after the 60 days this period if FSB we can prove that we could have stopped someone from taking the money if you had told FSB 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 FSBus, FSB we will extend the time periods for claims a reasonable period in our sole discretion. Additional Limits on Liability Under MasterCard Rules. Under MasterCard Rules, you will not be liable for any unauthorized transactions using your Card Account for point-of-sale transactions if (i) you can demonstrate that you have exercised reasonable care in safeguarding your Card from risk of loss or theft, (ii) you have not reported to us two (2) or more incidents of unauthorized transfersuse within the prior twelve-month period, and (iii) your Card Account is otherwise in good standing. The Telephone Number and Address This additional limit on liability does not apply to Report Unauthorized Transfer and Lost ATM transactions or Stolen USAA ATM cards and debit cards or access codes to transactions using your PIN which are shown on the Service Fee Schedulenot processed by MasterCard. You may also contact FSB on xxxx.xxx. You should also call must notify us within 2 days after the number or write electronic statement was made available 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 showing unauthorized activity occurs, you agree transaction(s) in order to cooperate during the investigation and to complete an affidavit regarding the unauthorized activitytake advantage of any such limited liability provisions.

Your Liability for Unauthorized Transfers. Tell FSB us AT ONCE if you believe your ATM card, debit card, Personal Identification Number (PIN) Card or similar code Access Information has been lost, stolen, lost or learned by an unauthorized person, stolen or if you believe that an electronic fund funds transfer has been made without your permission using information from permission. Telephoning us at 1-833-4- FANDOM (0-000-000-0000) is the best way to minimize your checkpossible losses. You could lose all the money in your Card Account. You agree that any unauthorized use does not include use by a person to whom you have given authority to use 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 tell FSB us within two business days after you learn of the loss or theft, you can lose no more than $50 for an unauthorized electronic funds transfer or a series of related unauthorized transfers should someone use your card or code without your permission. If you do NOT tell FSB within two 2 business days after you learn of the loss or theft of your card Card or code 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 FSB we can prove we could have stopped someone from using your card Card or code Access Information without your permission if you had told FSBus within this time frames, you could lose as much as $500500 if someone used your Card or Access Information without your permission. Your losses could include all of the money in your account plusAlso, if you 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 electronic history shows transfers transactions that you did not make, including those made by cardCard, code, Access Information or by other means, tell us AT ONCE following the procedures stated in the paragraph labeled “Information About Your Right To Dispute Errors”. If you do not tell FSB us within 60 the earlier of sixty (60) days of the date you electronically accessed your Card Account (if the error could be viewed in your electronic history), sixty (60) days of the date we sent the first written history on which the error appeared, or one-hundred and twenty (120) days after the statement alleged unauthorized transfer was mailed credited or debited to youyour Card Account, you may not get back any money you lost after the 60 days this period if FSB we can prove that we could have stopped someone from taking the money if you had told FSB 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 FSBus, FSB we will extend the time periods for claims a reasonable period in our sole discretion. Additional Limits on Liability Under Mastercard Rules. Under Mastercard Rules, you will not be liable for any unauthorized transactions using your Card Account you can demonstrate that you have exercised reasonable care in safeguarding your Card from risk of unauthorized transfers. The Telephone Number and Address to Report Unauthorized Transfer and Lost loss or Stolen USAA ATM cards and debit cards or access codes are shown on the Service Fee Scheduletheft. You may also contact FSB on xxxx.xxx. You should also call must notify us within 2 days after the number or write electronic statement was made available 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 showing unauthorized activity occurs, you agree transaction(s) in order to cooperate during the investigation and to complete an affidavit regarding the unauthorized activitytake advantage of any such limited liability provisions.

Your Liability for Unauthorized Transfers. Tell FSB AT ONCE if you believe The Account is a commercial account and does not provide consumer protections for unauthorized transactions or unauthorized access to your ATM cardAccount, debit card, Personal Identification Number (PIN) including by way of lost or similar code has been lost, stolen Account or Card numbers. Treat the Card like cash. If your Card or PIN is lost or stolen, or learned by an unauthorized person, or if you believe that an electronic fund transfer either your Card, PIN, or the Account number associated with your Card has been made without your permission using information compromised or is subject to any unauthorized use, you must notify us immediately, and you agree to take any reasonable actions we may request to prevent further unauthorized Card use. Until an Authorized Representative reports an Account or Card number as lost or stolen or reports an unauthorized transaction and we have had a reasonable amount of time to stop future transactions, the Account owner is fully responsible for all transactions initiated and fees incurred from your check. If you tell FSB within two business days after you learn the unauthorized use of the loss Account or theftCard. Contact customer service IMMEDIATELY if you believe: (a) a PIN or an Account or Card number has been lost or stolen, you can lose no more than $50 for (b) someone has gained unauthorized access to any information to access the Account or Card, or (c) someone has transferred or may transfer funds from the Account without an unauthorized electronic funds transfer or a series of related unauthorized transfers should someone use your card or code without your Authorized Representative's permission. If you do NOT tell FSB within two business days after you learn Reporting a lost/stolen Account or Card number or unauthorized transactions by calling Platform at +0 000-000-0000, by emailing xxxxxxx@xxxxxx.xx or by logging into the Platform App is the best way to minimize possible losses. Account owner is responsible for all unauthorized transactions initiated and fees incurred from the unauthorized use of the loss Account or theft of your card or code and FSB Card. Failure to promptly notify us could have stopped someone from using your card or code without your permission if you had told FSB, you could lose as much as $500. Your losses could include all result in the Account owner losing ALL of the money in your account plus, if you 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 transfers that you did not make, including those made by card, code, or other meansthe Account. If you do not tell FSB within 60 days after have both a virtual and a physical Card and you report one of your Cards lost or stolen, both Cards will be canceled and new Cards will be issued. You are responsible for all transactions initiated and fees incurred by use of the statement was mailed Account and Card. If you or your Authorized Representative permits another person to youaccess the Account or Card, you may not get back any money you lost after the 60 days if FSB could have stopped someone from taking the money we will treat this as if you had told FSB in timeor your Authorized Representative has authorized such person to use the Account or Card, and you will be liable for all transactions and fees incurred by such person, even if they exceed the authorization granted. You will further be responsible for any transactions made and any fees incurred by your Authorized Representative even if your Authorized Representative exceeds the scope of the authority granted to such Authorized Representative by you. If you want to withdraw permission for an Authorized Representative to use the Account or Card, then transactions made with the Account or Card will be considered unauthorized only after you notify us that the person is no longer authorized to use the Account or Card and we have had a good reason (such as a long trip or a hospital stay) kept you from telling FSB, FSB will extend the reasonable amount of time periods for claims of unauthorized transfers. The Telephone Number and Address to Report Unauthorized Transfer and Lost or Stolen USAA ATM cards and debit cards or access codes are shown on the 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 unauthorized activity occurs, you agree to cooperate during the investigation and to complete an affidavit regarding the unauthorized activitystop future transactions by that Authorized Representative.

Your Liability for Unauthorized Transfers. Tell FSB AT ONCE Contact us at once if you believe your ATM card, debit card, Personal Identification Number (PIN) Card or similar code PIN has been lost, lost or stolen. Telephoning is the best way to minimize your possible losses. If you believe your Card has been lost or stolen, or learned by an unauthorized person, that someone has transferred or if you believe that an electronic fund may transfer has been made money from your Card Account without your permission using information from your checkpermission, call us at Customer Service. If you tell FSB within two business days after have both a virtual and a physical Card and you learn of the loss or theft, you can lose no more than $50 for an unauthorized electronic funds transfer or a series of related unauthorized transfers should someone use your card or code without your permission. If you do NOT tell FSB within two business days after you learn of the loss or theft report one of your card Cards lost or code stolen, both Cards will be canceled and FSB could have stopped someone from 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 or code Card Account that take place on the Visa system without your permission a PIN is $0.00 if you had told FSBare 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 ATM cash withdrawals (see Transactions Not Routed Through the Visa System below). Transactions Not Routed Through the Visa System: Unauthorized transactions that are not routed through Visa are not protected by the Visa Zero Liability Protection policy. These types of transactions include (i) ATM transactions, you could lose as much as $500and (ii) point of sale, PIN, PINless, automated clearing house, or other debit transactions not processed by Visa. Your losses could include all of the money in your account plusAlso, if you 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 become aware of and/or your statement or electronic history shows transfers transactions that you did not make, including those made by card, code, or other meansnotify us at once following the procedures stated in the paragraph labeled “Your Right to Dispute Errors”. If you do not tell FSB notify us in writing within 60 sixty (60) days after you become aware of the transaction and/or after the statement was mailed made available to you, you may not get back any money value you lost after the 60 sixty (60) days if FSB we can prove that we could have stopped someone from taking the money value if you had told FSB 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 FSBus, FSB we will extend the time periods for claims of unauthorized transfersperiods. The Telephone Number and Address to Report Unauthorized Transfer and Lost or Stolen USAA ATM cards and debit cards or access codes are shown on the 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 If your Card has been made using the information from lost or stolen, we will close your check without Card Account to keep losses down. Upon your permission. If unauthorized activity occursrequest, we will issue you agree to cooperate during the investigation and to complete an affidavit regarding the unauthorized activitya replacement Card.

Your Liability for Unauthorized Transfers. Tell FSB us AT ONCE if you believe your ATM cardCard, debit cardPIN, Personal Identification Number (PIN) or similar code Account number has been lost, lost or stolen, or learned by an unauthorized person, or if you believe that an electronic fund transfer has been or may be made without your permission using information from permission. Telephoning us at 0-000-000-0000 is the best way of keeping your checkpossible losses down. You could lose all the money in your Account, plus your maximum Overdrive limit, if applicable. If you tell FSB us within two business days after you learn of the loss or theft, you can lose no more than $50 for an unauthorized electronic funds transfer or a series of related unauthorized transfers should someone use your card or code without your permission. If you do NOT tell FSB within two 2 business days after you learn of the loss or theft of your card Card, PIN, or code 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 FSB we can prove we could have stopped someone from using your card Card, PIN, or code Account number without your permission if you had told FSBus, you could lose as much as $500. Your losses could include all of the money in your account plusAlso, if you 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 transfers that you did not make, including those made by card, code, code or other means, tell us at once. For procedures on reporting statement errors, see the section labeled “Information About Your Right to Dispute Errors”, below. If you do not tell FSB us within 60 sixty (60) days after the statement was mailed made available to you, you may not get back any money you lost after the 60 sixty (60) days if FSB we can prove that we could have stopped someone from taking the money if you had told FSB us in time. If a good reason (such as a long trip or a hospital stay) kept keeps you from telling FSBus, FSB we will extend the time periods periods. If your Card, PIN, or Account number has been lost or stolen, we 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 claims of unauthorized transfers. The Telephone Number and Address to Report Unauthorized Transfer and Lost or Stolen USAA ATM cards and Visa debit cards or access codes are shown transactions on the 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 your Account is $0.00 if you believe a transfer has been made using are not grossly negligent or fraudulent in the information from handling of your check without your permissionCard. If 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 activity occurs, you agree to cooperate during the investigation and to complete an affidavit regarding the unauthorized activityuse.

Your Liability for Unauthorized Transfers. You agree to exercise reasonable control over the information related to your Uphold USD Account, including your Card, Access Code(s) and PIN. Tell FSB us AT ONCE if you believe your ATM cardCard, debit cardAccess Code(s), Personal Identification Number (PIN) or similar code PIN has been lostlost or stolen. Also, stolenif your transaction history shows transfers that you did not make, or learned by an unauthorized personincluding those made with your Card, or if you believe that an electronic fund transfer has been made without your permission using information from permission, tell us at once. The best way to keep your checklosses 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 tell FSB within two business days after you learn of the loss or theft, you can lose no more than $50 for an unauthorized electronic funds transfer or a series of related unauthorized transfers should someone use your card or code without your permission. If you do NOT tell FSB us within two business days after you learn of the loss or theft of your card Card, Access Code(s) or code 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 FSB we can prove that we could have stopped someone from using your card or code Card without your permission if you had told FSBus, you could lose as much as $500. Your losses could include all of the money in your account plus, if you 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 transfers that you did not make, including those made by card, code, or other means500.00. If you do not tell FSB us within 60 days after the statement was mailed to youearlier of the date you electronically access your Uphold USD Account or the date we sent the FIRST written history on which the error appeared, you may not get back any money you lost after the 60 days if FSB we can prove that we could have stopped someone from taking the money if you had told FSB us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling FSBus, FSB we will extend the time periods periods. Mastercard Zero Liability Policy. Under Mastercard rules, you will not be held responsible for claims of unauthorized transfers. The Telephone Number and Address to Report Unauthorized Transfer and Lost or Stolen USAA ATM cards and debit cards or access codes are shown on the 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 Card transactions if you believe a transfer 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 made using the information from your check without your permission. If unauthorized activity occurs, you agree to cooperate during the investigation and to complete an affidavit regarding the unauthorized activityregistered with us).

Your Liability for Unauthorized Transfers. Tell FSB AT ONCE if you believe The Account is a commercial account and does not provide consumer protections for unauthorized transactions or unauthorized access to your ATM cardAccount, debit card, Personal Identification Number (PIN) including by way of lost or similar code has been lost, stolen Account or Card numbers. Treat the Card like cash. If your Card or PIN is lost or stolen, or learned by an unauthorized person, or if you believe that an electronic fund transfer either your Card, PIN, or the Account number associated with your Card has been made without your permission using information compromised or is subject to any unauthorized use, you must notify us immediately, and you agree to take any reasonable actions we may request to prevent further unauthorized Card use. Until an Authorized Representative reports an Account or Card number as lost or stolen or reports an unauthorized transaction and we have had a reasonable amount of time to stop future transactions, the Account owner is fully responsible for all transactions initiated and fees incurred from your check. If you tell FSB within two business days after you learn the unauthorized use of the loss Account or theftCard. Contact customer service IMMEDIATELY if you believe: (a) a PIN or an Account or Card number has been lost or stolen, you can lose no more than $50 for (b) someone has gained unauthorized access to any information to access the Account or Card, or (c) someone has transferred or may transfer funds from the Account without an unauthorized electronic funds transfer or a series of related unauthorized transfers should someone use your card or code without your Authorized Representative's permission. If you do NOT tell FSB within two business days after you learn Reporting a lost/stolen Account or Card number or unauthorized transactions by calling Platform at +00000000000 by emailing xxxxxxx@xxxxxxx.xxx or by logging into the Platform App is the best way to minimize possible losses. Account owner is responsible for all unauthorized transactions initiated and fees incurred from the unauthorized use of the loss Account or theft of your card or code and FSB Card. Failure to promptly notify us could have stopped someone from using your card or code without your permission if you had told FSB, you could lose as much as $500. Your losses could include all result in the Account owner losing ALL of the money in your account plus, if you 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 transfers that you did not make, including those made by card, code, or other meansthe Account. If you do not tell FSB within 60 days after have both a virtual and a physical Card and you report one of your Cards lost or stolen, both Cards will be canceled and new Cards will be issued. You are responsible for all transactions initiated and fees incurred by use of the statement was mailed Account and Card. If you or your Authorized Representative permits another person to youaccess the Account or Card, you may not get back any money you lost after the 60 days if FSB could have stopped someone from taking the money we will treat this as if you had told FSB in timeor your Authorized Representative has authorized such person to use the Account or Card, and you will be liable for all transactions and fees incurred by such person, even if they exceed the authorization granted. You will further be responsible for any transactions made and any fees incurred by your Authorized Representative even if your Authorized Representative exceeds the scope of the authority granted to such Authorized Representative by you. If you want to withdraw permission for an Authorized Representative to use the Account or Card, then transactions made with the Account or Card will be considered unauthorized only after you notify us that the person is no longer authorized to use the Account or Card and we have had a good reason (such as a long trip or a hospital stay) kept you from telling FSB, FSB will extend the reasonable amount of time periods for claims of unauthorized transfers. The Telephone Number and Address to Report Unauthorized Transfer and Lost or Stolen USAA ATM cards and debit cards or access codes are shown on the 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 unauthorized activity occurs, you agree to cooperate during the investigation and to complete an affidavit regarding the unauthorized activitystop future transactions by that Authorized Representative.

Your Liability for Unauthorized Transfers. Tell FSB us AT ONCE if you believe your ATM card, debit card, Personal Identification Number (PIN) Card or similar code PIN has been lost, lost or stolen, . Reporting your Card lost or learned stolen by an unauthorized person, or if you believe that an electronic fund transfer has been made without calling us at the number on the back of your permission using information from Card is the best way of keeping your checkpossible losses down. You could lose all the money on your Card. If you tell FSB us within two business days after you learn learning of the loss or thefttheft of your Card or PIN, you can lose no more than $50 for an unauthorized electronic funds transfer if someone used your Card or a series of related unauthorized transfers should someone use your card or code PIN without your permission. If you do NOT tell FSB us within two business days after you learn of the loss or theft of your card Card or code PIN, and FSB we can prove that we could have stopped someone from using your card Card or code PIN without your permission if you had told FSBus, you could lose as much as $500. Your losses could (Note: If your Card is a MasterCard Card, you 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 your Card.) 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 all of the money in your account plussuch uses by such person. Also, if you have an overdraft protection plan linked to your account, any transfers from another account, or any advances on a credit on-line or credit card. Tell FSB AT ONCE if your statement paper transaction history shows transfers that you did not make, including those made by cardyour Card, code, PIN or other means, tell us at once. If you do not tell FSB us within 60 days after the statement was mailed to youafter: (i) you electronically access your Card information at xxx.xxxxxxxx.xxx; or (ii) we provide you with a written history of your Card transactions, you may not get back any money Card value you lost after the 60 days if FSB we can prove that we could have stopped someone from taking the money Card value if you had told FSB us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling FSBus, FSB we will extend the time periods for claims of unauthorized transfers. The Telephone Number and Address to Report Unauthorized Transfer and Lost or Stolen USAA ATM cards and debit cards or access codes are shown on the 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 unauthorized activity occurs, you agree to cooperate during the investigation and to complete an affidavit regarding the unauthorized activityperiods.

Your Liability for Unauthorized Transfers. Tell FSB AT ONCE if you believe If your ATM card, debit card, Personal Identification Number (PIN) or similar code user ID and/or password has been lost, stolen, or learned by an unauthorized person, or if you believe that an electronic fund transfer has been made without your permission using information from your check. If compromised and you tell FSB us within two business days after you learn 2 Business Days of discovering the loss or theftmisappropriation, you can lose no more than $50 for an unauthorized electronic funds transfer or a series of related unauthorized transfers should if someone use used your card or code user ID and/or password without your permission. If you do NOT not tell FSB us within two business days after you learn of the loss or theft of your card or code and FSB could have stopped someone from using your card or code without your permission if you had told FSB2-Business Day period, you could lose as much as $500500 if we could have stopped the use of your accounts had we received notice in a timely manner. Your losses could include all of You must contact the money Bank as soon as you identify any errors or discrepancies in your account plusperiodic statement or transaction record, or if you need any information about a transaction listed on the periodic statement or transaction record. We must hear from you no later than 60 days after we have an overdraft protection plan linked to your accountsent the f irst statement on which the unauthorized transaction, any transfers from another accountproblem or error appeared. (If you notify us verbally, or any advances on a credit line or credit card. Tell FSB AT ONCE if your statement shows transfers we may require that you did not make, including those made by card, code, send us your complaint or other meansquestion in writing or electronically within 10 Business Days). If you do not tell FSB fail to notify us within 60 days after the statement was mailed to you60-day period, you may not get back recover any of the money you lost after if we can establish that the 60 days if FSB loss could have stopped someone from taking the money if been avoided had you had told FSB in notified us on time. If a good reason (such as a long trip or a hospital stay) kept you from telling FSB, FSB will We may extend the these time periods for claims good reason such as out-of-town travel or extended hospital stays. MONEY MANAGEMENT & CASH BACK REWARDS OFFERS – END USER LICENSE AGREEMENT Should you decide to use either Money Management or the Cash Back Rewards feature of unauthorized transfersthe Service, you acknowledge and agree to the following terms and conditions. The Telephone Number License Grant and Address Restrictions: You are granted a personal, limited, non-exclusive, non-transferable license, to Report Unauthorized Transfer electronically access and Lost use the Money Management Service (“Money Management”) solely to manage your financial data, and the Cash Back Rewards application ("Cash Back Rewards Offers") to benef it from your debit card purchases. 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 Stolen USAA ATM cards maintenance releases, etc.) of Money Management or Cash Back Rewards Offers if and debit cards when they are made available to you by us or access codes are shown on the Service Fee Scheduleby 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 also contact FSB on xxxx.xxx. You should also call not allow any third party to do any of the number following: (i) access or write 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 address listed on material f rom the Service Fee Schedule Money Management site or contact FSB at xxxx.xxx if you believe a transfer has been made using from the information from your check without your permission. If unauthorized activity occurs, you agree to cooperate during the investigation and to complete an affidavit regarding the unauthorized activity.Cash Back Rewards Offers program;

Your Liability for Unauthorized Transfers. Tell FSB USB AT ONCE if you believe your ATM cardauthentication credentials (username, debit cardpassword, Personal Identification Number (PINtokens, or other) or similar code has been lost, stolen, or learned by an unauthorized person, or if you believe that an electronic fund transfer has been made without your permission using information from your checkpermission. If you tell FSB USB within two business days after you learn of the loss or theft, you can lose no more than $50 for an unauthorized electronic funds transfer or a series of related unauthorized transfers should someone use your card authorization credentials or code without your permission. If you do NOT tell FSB USB within two business days after you learn of the loss or theft of your card or code and FSB USB could have stopped someone from using your card authorization credentials or code without your permission if you had told FSBUSB, you could lose as much as $500. Your losses could include all of the money in your account plus, if you 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 USB AT ONCE if your statement shows transfers that you did not make, including those made by card, code, or other means. If you do not tell FSB USB within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if FSB USB could have stopped someone from taking the money if you had told FSB USB in time. If a good reason (such as a long trip or a hospital stay) kept you from telling FSBUSB, FSB USB will extend the time periods for claims of unauthorized transfers. The Telephone Number and Address to Report Unauthorized Transfer and Lost or Stolen USAA ATM cards and debit cards or access codes are shown on the Service Fee Schedule. You may also contact FSB USB on xxxx.xxx. You should also call the number or write to the address listed on the Service Fee Schedule or contact FSB USB at xxxx.xxx if you believe a transfer has been made using the information from your check without your permission. If unauthorized activity occurs, you agree to cooperate during the investigation and to complete an affidavit affidavit regarding the unauthorized activity.

Your Liability for Unauthorized Transfers. Tell FSB us AT ONCE if you believe your ATM card, debit card, Personal Identification Number (PIN) Card or similar code PIN has been lost, lost or stolen, . Re- porting your Card lost or learned by an unauthorized person, stolen online at xxx.xxxxxxxx.xxx or if you believe that an electronic fund transfer has been made without calling us at (000) 000-0000 is the best way of keeping your permission using information from possible losses down. You could lose all the money on your checkCard. If you tell FSB within two business days after you learn of the loss or theft, you can lose no more than $50 for an unauthorized electronic funds transfer or a series of related unauthorized transfers should someone use your card or code without your permission. If you do NOT tell FSB us within two business days after you learn of the loss or theft of your card Card or code PIN, 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 FSB we can prove that we could have stopped someone from using your card Card or code PIN without your permission if you had told FSBus, you could lose as much as $500. Your losses could include all (Note: If your Card is a MasterCard Card, you 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 money preceding 12 months; and you have exercised reasonable care in safeguarding your account plusCard 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 your Card.) Also, if you have an overdraft protection plan linked to your account, any transfers from another account, or any advances on a credit on-line or credit card. Tell FSB AT ONCE if your statement paper transaction history shows transfers that you did not make, including those made by cardyour Card, code, PIN or other means, tell us at once. If you do not tell FSB us within 60 days after the statement was mailed to youafter: (i) you electronically access your Card infor- mation at xxx.xxxxxxxx.xxx; or (ii) we provide you with a written history of your Card transactions, you may not get back any money Card value you lost after the 60 days if FSB we can prove that we could have stopped someone from taking the money Card value if you had told FSB us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling FSBus, FSB we will extend the time periods for claims periods. You Must Notify Us of unauthorized transfers. The Telephone Number and Address to Report Unauthorized Transfer and Lost or Stolen USAA ATM cards and debit cards or access codes are shown on the Service Fee ScheduleCards/Unauthorized Activity. You may also contact FSB on xxxx.xxx. You should also call agree to notify us of the loss, theft or unautho- rized disclosure of any number or write PIN that might be used to the address listed on the Service Fee Schedule or contact FSB at xxxx.xxx if access Card funds. If you believe a transfer the Card has been made using lost or stolen or that someone has transferred or may transfer value from the information from your check Card without your permission. If unauthorized activity occursauthorization, you contact us at the address, website or phone number listed above in “In Case of Errors or Questions About Card Transactions.” You agree to cooperate during the investigation reasonably with us and our agents and service providers in our attempts to recover funds from, and to complete an affidavit regarding assist in the prosecution of, any unauthorized activityusers 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 merchant.

Your Liability for Unauthorized Transfers. Tell FSB us AT ONCE if you believe your ATM cardCard, debit card, Personal Identification Number (PIN) PIN or similar code Account number has been lost, lost or stolen, or learned by an unauthorized person, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account. You may call us at 000-000-0000 or email xxxxxxx@xxxxxx.xxx. If you tell FSB us within two business days after you learn of the loss or theft, you can lose no more than $50 for an unauthorized electronic funds transfer or a series of related unauthorized transfers should someone use your card or code without your permission. If you do NOT tell FSB within two 2 business days after you learn of the loss or theft of your card Card, PIN or code 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 FSB we can prove we could have stopped someone from using your card Card, PIN or code Account number without your permission if you had told FSBus, you could lose as much as $500. Your losses could include all of the money in your account plusAlso, if you 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 transfers that you did not make, including those made by card, code, code or other means, tell us at once. If you do not tell FSB us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if FSB we can prove that we could have stopped someone from taking the money if you had told FSB us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling FSBus, FSB we will extend the time periods periods. Also, if you become aware of and/or your statement shows transactions that you did not make, notify us at once following the procedures stated in the paragraph labeled “Your Right to Dispute Errors.” If you do not notify us in writing within sixty (60) days after you become aware of the transaction and/or after the statement was made available to you, you may not get back any value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the value if you had notified us in time 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. Your liability for claims use of your Card without your permission may be lower than that described above under special Mastercard® rules. If your Card is used in connection with an unauthorized transferstransaction, your liability for such unauthorized use will not exceed $0 if (i) you reported the loss or theft of your Card to us, and (ii) you did not act grossly negligent or fraudulently in handling your Card. The Telephone Number In all other cases, the rules summarized in the paragraphs above in this section apply. If your Card has been lost or stolen please notify us immediately and Address we will deactivate your Card and send you a replacement Card at no charge. In some cases, we may close your Card Account to Report Unauthorized Transfer and Lost or Stolen USAA ATM cards and debit cards or access codes are shown on the Service Fee Schedulekeep losses down. Upon your request, we may provide you with a replacement Card Account. You may also contact FSB on xxxx.xxx. You should also call the number or write be entitled to the address listed on the Service Fee Schedule or contact FSB at xxxx.xxx additional protections from Mastercard, if you believe a transfer has been made using the information from your check without your permission. If unauthorized activity occurs, you agree to cooperate during the investigation and to complete an affidavit regarding the unauthorized activityeligible.

Your Liability for Unauthorized Transfers. Tell FSB AT ONCE if you believe If your ATM card, debit card, Personal Identification Number (PIN) or similar code user ID and/or password has been lost, stolen, or learned by an unauthorized person, or if you believe that an electronic fund transfer has been made without your permission using information from your check. If compromised and you tell FSB us within two business days after you learn 2 Business Days of discovering the loss or theftmisappropriation, you can lose no more than $50 for an unauthorized electronic funds transfer or a series of related unauthorized transfers should if someone use used your card or code user ID and/or password without your permission. If you do NOT not tell FSB us within two business days after you learn of the loss or theft of your card or code and FSB could have stopped someone from using your card or code without your permission if you had told FSB2-Business Day period, you could lose as much as $500500 if we could have stopped the use of your accounts had we received notice in a timely manner. Your losses could include all of You must contact the money Bank as soon as you identify any errors or discrepancies in your account plusperiodic statement or transaction record, or if you need any information about a transaction listed on the periodic statement or transaction record. We must hear from you no later than 60 days after we have an overdraft protection plan linked to your accountsent the first statement on which the unauthorized transaction, any transfers from another accountproblem or error appeared. (If you notify us verbally, or any advances on a credit line or credit card. Tell FSB AT ONCE if your statement shows transfers we may require that you did not make, including those made by card, code, send us your complaint or other meansquestion in writing or electronically within 10 Business Days). If you do not tell FSB fail to notify us within 60 days after the statement was mailed to you60-day period, you may not get back recover any of the money you lost after if we can establish that the 60 days if FSB loss could have stopped someone from taking the money if been avoided had you had told FSB in notified us on time. If a good reason (such as a long trip or a hospital stay) kept you from telling FSB, FSB will We may extend the these time periods for claims good reason such as out-of-town travel or extended hospital stays. MONEY MANAGEMENT & CASH BACK REWARDS OFFERS – END USER LICENSE AGREEMENT Should you decide to use either Money Management or the Cash Back Rewards feature of unauthorized transfersthe Service, you acknowledge and agree to the following terms and conditions. The Telephone Number License Grant and Address Restrictions: You are granted a personal, limited, non-exclusive, non-transferable license, to Report Unauthorized Transfer electronically access and Lost use the Money Management Service (“Money Management”) solely to manage your financial data, and the Cash Back Rewards application ("Cash Back Rewards Offers") to benefit from your debit card purchases. 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 Stolen USAA ATM cards maintenance releases, etc.) of Money Management or Cash Back Rewards Offers if and debit cards when they are made available to you by us or access codes are shown on the Service Fee Scheduleby 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 also contact FSB on xxxx.xxx. You should also call not allow any third party to do any of the number following: (i) access or write 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 address listed on material from the Service Fee Schedule Money Management site or contact FSB at xxxx.xxx if you believe a transfer has been made using from the information from your check without your permission. If unauthorized activity occurs, you agree to cooperate during the investigation and to complete an affidavit regarding the unauthorized activity.Cash Back Rewards Offers program;

Your Liability for Unauthorized Transfers. Tell FSB Contact us AT ONCE if you believe your ATM cardCard, debit cardPIN, Personal Identification Number (PIN) code or similar code Card Account number has been lost, lost or stolen, or learned by an unauthorized person, or if you believe that an electronic fund transfer has your funds have been made transferred from your Card Account without your permission using information from permission. Telephoning is the best way of keeping your checkpossible losses down. You could lose all the money in your account. If you tell FSB us within two business days after you learn of the loss or theft, you can lose no more than $50 for an unauthorized electronic funds transfer or a series of related unauthorized transfers should someone use your card or code without your permission. If you do NOT tell FSB within two 2 business days after you learn of the loss or theft of your Card, PIN, code or Card Account number, you can lose no more than $50 if someone used your card 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, code or Card Account number, and FSB we can prove we could have stopped someone from using your card Card, PIN, code or code Card Account number without your permission if you had told FSBus, you could lose as much as $500. Your losses could include all of the money in your account plusAlso, if you 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 transaction history and/or account statement shows transfers that you did not make, including those made by cardCard, codePIN, code or other means, tell us at once. If you do not tell FSB us within 60 days after the earliest of: (i) you electronically access your Card Account, if the transfers could be viewed in your electronic history, or (ii) the date we sent the FIRST account statement was mailed to youof your Card Account transactions on which the transfers appeared, you may not get back any money value in your Card Account that you lost after the 60 days if FSB we can prove that we could have stopped someone from taking the money value in your Account if you had told FSB us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling FSBus, FSB we will extend the time periods for claims periods. Contact in event of unauthorized transferstransfer. The Telephone Number and Address to Report Unauthorized Transfer and Lost If you believe your Card, PIN, code, or Stolen USAA ATM cards and debit cards Card Account number has been lost or access codes are shown on the stolen, call Robinhood Customer Service Fee Schedule. You may also contact FSB on xxxx.xxx. You should also call the number at (000) 000-0000 or write to Robinhood at 00 Xxxxxx Xxxx, Xxxxx Xxxx, XX 00000. You can also contact Robinhood by visiting xxxxxxxxx.xxx/xxxxxxx. Upon notice that your Card has been lost or stolen, we may suspend or cancel your Card and send you a replacement Card at no charge. In some cases, we may close your Card Account to keep losses down. Upon your request, we may provide you with a replacement Card Account. Special Provisions for Card Transactions (Mastercard Zero Liability Protection): Under the address listed on the Service Fee Schedule or contact FSB at xxxx.xxx Card Network Rules, you will not be held responsible for unauthorized transactions if you believe exercise reasonable care in safeguarding your Card from loss, theft, or unauthorized use, and you notify us of such activity within two (2) business days. This reduced liability does not apply if (a) a transfer has been made using PIN is used as the information from method of verification for a disputed transaction, or (b) you have reported two (2) or more incidents of unauthorized use in the immediately preceding twelve (12) month period. If you notify us within (2) business days of any unauthorized transactions, you can lose no more than $50.00 if a person used your check Card without your permission. If unauthorized activity occursyou do not notify us within two (2) business days after you learn of the loss or theft of your Card, and we can prove that we could have stopped a person from using your Card without your permission if you had promptly notified us, you agree to cooperate during the investigation and to complete an affidavit regarding the unauthorized activitycould lose as much as $500.00.

Your Liability for Unauthorized Transfers. (a) Consumer Liability; Generally. Tell FSB us AT ONCE if you believe your ATM card, debit cardcode, Personal Identification Number (PIN) or similar code your password or other means to access your account through which you access the Service has been lost, lost or stolen, or learned by an unauthorized person, or if you believe that an unauthorized electronic fund transfer has been made without your permission using information from the Service. Telephoning is the best way of keeping your checkpossible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell FSB us within two business days after you learn of the loss or theft, you can lose no more than $50 for an unauthorized electronic funds transfer or a series of related unauthorized transfers should someone use your card or code without your permission. If you do NOT tell FSB within two business days 2 Business Days after you learn of the loss or theft of your card password or code other means to access your account through which you access the Service, you can lose no more than $50 if someone accessed your account and FSB initiated a Payment Instruction without your permission. If you do NOT tell us within 2 Business Days after you learn of the loss or theft of your password or other means to access your account through which you access the Service, and we can prove we could have stopped someone from using your card or code the Service without your permission if you had told FSBus, you could lose as much as $500. Your losses could include all of the money in your account plusAlso, if you 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 transfers that you did not make, including those made using the Service or by card, code, or other means, tell us at once. If you do not tell FSB us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if FSB we can prove that we could have stopped someone from taking the money if you had told FSB us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling FSBus, FSB we will extend the time periods periods. Additional limit on Liability for claims of unauthorized transfersColumbia VISA® Debit Card. The Telephone Number and Address to Report Unauthorized Transfer and Lost Unless you have been negligent or Stolen USAA ATM cards and debit cards or access codes are shown on the 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 unauthorized activity occurshave engaged in fraud, you agree 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 cooperate during ATM transactions outside the investigation and U.S., to complete an affidavit regarding the unauthorized activityATM 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.

Your Liability for Unauthorized Transfers. Tell FSB AT ONCE Contact us at once if you believe your ATM card, debit card, Personal Identification Number (PIN) or similar code Card has been lost, lost or stolen. Telephoning is the best way to minimize your possible losses. If you believe your Card has been lost or stolen, or learned by an 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 persontransactions 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 believe that an electronic fund transfer has been made without your permission using information from your check. If you tell FSB notify us within two (2) business days after you learn of the loss or theftany unauthorized transactions, you can lose no more than $50 for an unauthorized electronic funds transfer or a series of related unauthorized transfers should 50.00 if someone use used your card or code Card without your permission. If you do NOT tell FSB not notify us within two (2) business days after you learn of the loss or theft of your card or code Card and FSB we can prove that we could have stopped someone from using your card or code Card without your permission if you had told FSBpromptly notified us, you could lose as much as $500500.00. Your losses could include all of the money in your account plusAlso, if you 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 become aware of and/or your statement shows transfers transactions that you did not make, including those made by card, code, or other means. notify us at once following the procedures stated in the paragraph labeled “Your Right to Dispute Errors.” If you do not tell FSB notify us in writing within 60 sixty (60) days after you the statement was mailed made available to you, you may not get back any money value you lost after the 60 sixty (60) days if FSB we can prove that we could have stopped someone from taking the money value if you had told FSB 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 FSBus, FSB we will extend the time periods for claims of unauthorized transfersperiods. The Telephone Number and Address to Report Unauthorized Transfer and Lost or Stolen USAA ATM cards and debit cards or access codes are shown on the 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 If your Card has been made using the information from lost or stolen please notify us immediately and we will deactivate your check without Card and send you a replacement Card per our fee schedule. In some cases, we may close your permissionCard Account to keep losses down. If unauthorized activity occursUpon your request, we may provide you agree to cooperate during the investigation and to complete an affidavit regarding the unauthorized activitywith a replacement Card Account.

Your Liability for Unauthorized Transfers. Tell FSB AT ONCE 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 shall communicate with customer care. 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. • Consumer Accounts You will have no liability for unauthorized transactions if you believe notify us within sixty (60) days after your ATM card, debit card, Personal Identification Number (PIN) or similar code monthly financial institution statement which shows the unauthorized transaction has been lost, stolen, or learned by an unauthorized person, or if you believe that an electronic fund transfer has been made without your permission using information from your check. If you tell FSB within two business days after you learn of the loss or theft, you can lose no more than $50 for an unauthorized electronic funds transfer or a series of related unauthorized transfers should someone use your card or code without your permission. If you do NOT tell FSB within two business days after you learn of the loss or theft of your card or code and FSB could have stopped someone from using your card or code without your permission if you had told FSB, you could lose as much as $500. Your losses could include all of the money in your account plus, if you have an overdraft protection plan linked sent 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 transfers that you did not make, including those made by card, code, or other meansyou. If you do not tell FSB us within 60 sixty (60) days after the statement was mailed sent to you, you may not get back lose any money you lost amount transferred without your authorization after the 60 sixty (60) days if FSB we can establish that we could have stopped someone from taking the money if had you had told FSB us in time. If a good reason (such as a long trip or a hospital stay) kept prevented you from telling FSBus, FSB we will extend the time periods for claims of unauthorized transfersspecified 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. The Telephone Number • Business Accounts See the Section entitled “Unauthorized Transactions and Address Errors” in the Business Account Disclosure and Agreement. When you give someone your password or other means to Report Unauthorized Transfer access your account through which you access the Zelle® and Lost or Stolen USAA ATM cards and debit cards or access codes are shown on the 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 unauthorized activity occursOther Payment Services, you agree are authorizing that person to cooperate during the investigation use your service, and to complete an affidavit regarding the unauthorized activityyou 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. THE ZELLE® PAYMENT SERVICE IS INTENDED FOR SENDING MONEY TO FAMILY, FRIENDS AND OTHERS WHOM YOU TRUST. YOU SHOULD NOT USE ZELLE® TO SEND MONEY TO PERSONS WITH WHOM YOU ARE NOT FAMILIAR OR YOU DO NOT TRUST. ZELLE® DOES NOT OFFER A PROTECTION PROGRAM FOR AUTHORIZED PAYMENTS MADE THROUGH THE ZELLE® PAYMENT SERVICE (FOR EXAMPLE, IF YOU DO NOT RECEIVE THE GOODS OR SERVICES THAT YOU PAID FOR, OR THE GOODS OR SERVICES THAT YOU RECEIVED ARE DAMAGED OR ARE OTHERWISE NOT WHAT YOU EXPECTED).

Your Liability for Unauthorized Transfers. Tell FSB AT ONCE if you believe your ATM card, debit card, Personal Identification Identification Number (PIN) or similar code has been lost, stolen, or learned by an unauthorized person, or if you believe that an electronic fund transfer has been made without your permission using information from your check. If you tell FSB within two business days after you learn of the loss or theft, you can lose no more than $50 for an unauthorized electronic funds transfer or a series of related unauthorized transfers should someone use your card or code without your permission. If you do NOT tell FSB within two business days after you learn of the loss or theft of your card or code and FSB could have stopped someone from using your card or code without your permission if you had told FSB, you could lose as much as $500. Your losses could include all of the money in your account plus, if you 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 transfers that you did not make, including those made by card, code, or other means. If you do not tell FSB within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if FSB could have stopped someone from taking the money if you had told FSB in time. If a good reason (such as a long trip or a hospital stay) kept you from telling FSB, FSB will extend the time periods for claims of unauthorized transfers. The Telephone Number and Address to Report Unauthorized Transfer and Lost or Stolen USAA ATM cards and debit cards or access codes are shown on the Service Fee ScheduleSchedule . You may also contact FSB on xxxx.xxxusaa .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 unauthorized activity occurs, you agree to cooperate during the investigation and to complete an affidavit affidavit regarding the unauthorized activity.

Your Liability for Unauthorized Transfers. Tell FSB TELL US AT ONCE if you believe your ATM card, debit card, Personal Identification Number (PIN) or similar code Card has been lostlost or stolen. Telephoning toll-free at 1-877-766-3551 is the best way of keeping your possible losses down. IF YOU BELIEVE THAT YOUR CARD HAS BEEN STOLEN, stolenOR THAT SOMEONE HAS TRANSFERRED OR MAY TRANSFER MONEY FROM YOUR CARD WITHOUT YOUR PERMISSION, or learned by an unauthorized personCALL US TOLL FREE AT 1-877-766-3551. WE WILL CANCEL THE CARD AND WILL REIMBURSE YOU FOR THE REMAINING VALUE STILL ON THE CARD AS OF THE TIME YOU NOTIFY US. IF YOU NOTIFY US WITHIN TWO (2) BUSINESS DAYS OF THE LOSS OR THEFT, or if you believe that an electronic fund transfer has been made without your permission using information from your checkAND SOMEONE HAS USED YOUR CARD WITHOUT YOUR PERMISSION, WE WILL ALSO REIMBURSE YOU FOR ANY FUNDS TAKEN FROM THE CARD WITHOUT PERMISSION. If you tell FSB within two business days after you learn of the loss or theftIF YOU DO NOT NOTIFY US WITHIN TWO (2) BUSINESS DAYS AFTER YOU LEARN OF THE LOSS OR THEFT OF YOUR CARD AND WE CAN PROVE THAT WE COULD HAVE STOPPED SOMEONE FROM USING YOUR CARD WITHOUT YOUR PERMISSION IF YOU HAD PROMPTLY NOTIFIED US, you can lose no more than YOU COULD LOSE AS MUCH AS $50 for an unauthorized electronic funds transfer or a series of related unauthorized transfers should someone use your card or code without your permission50. If you do NOT tell FSB within two business days after you learn of the loss or theft of your card or code and FSB could have stopped someone from using your card or code without your permission if you had told FSBAlso, you could lose as much as $500. Your losses could include all of the money in your account plus, if you 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 transfers transactions that you did not make, including those made by card, code, or other meanstell us at once. If you do not tell FSB us within 60 days after the statement was mailed made available to you, you may not get back any money you lost after the 60 days if FSB we can prove that we could have stopped someone from taking the money if you had told FSB us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling FSB, FSB will extend the time periods for claims of unauthorized transfers. The Telephone Number and Address to Report Unauthorized Transfer and Lost or Stolen USAA ATM cards and debit cards or access codes are shown on the 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 your Card has been made using lost or stolen, we will close your Card Account to keep losses down. We reserve the information from your check without your permission. If unauthorized activity occursright to investigate any claim you may make with respect to a lost or stolen Card, and you agree to cooperate during the investigation and to complete an affidavit regarding the unauthorized activitywith such investigation.

Your Liability for Unauthorized Transfers. Tell FSB us AT ONCE if you believe your ATM card, debit card, Personal Identification Number (PIN) Card or similar code Access Device has been lost, stolen, lost or learned by an unauthorized person, stolen or if you believe that an electronic fund funds transfer has been made without your permission using information from permission. Telephoning us at 0-000-000-0000 is the best way to minimize your checkpossible losses. You could lose all the money in your Account. You agree that any unauthorized use does not include use by a person to whom you have given authority to use or access your Account or Access Device and that you will be liable for all such uses and funds transfers by such person(s). If you tell FSB us within two business days after you learn of the loss or theft, you can lose no more than $50 for an unauthorized electronic funds transfer or a series of related unauthorized transfers should someone use your card or code without your permission. If you do NOT tell FSB within two (2) business days after you learn of the loss or theft of your card Card or code Access Device you can lose no more than $50 if someone used your Card or Access Device 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 or Access Device and FSB we can prove we could have stopped someone from using your card Card or code Access Device without your permission if you had told FSBus within this time frame, you could lose as much as $500500 if someone used your Card or Access Device without your permission. Your losses could include all of the money in your account plusAlso, if you 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 transfers that you did not make, including those made by card, code, your Card or other means, tell us at once. If you do not tell FSB us within 60 sixty (60) days after the statement was mailed delivered to you, you may not get back any money you lost after the 60 sixty (60) days if FSB we can prove that we could have stopped someone from taking the money if you had told FSB us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling FSBus, FSB we will extend the time periods for claims of a reasonable period. Your Liability for Unauthorized Mastercard Transactions. Under Mastercard’s® Zero Liability Policy, your liability for unauthorized transfers. The Telephone Number and Address to Report Unauthorized Transfer and Lost or Stolen USAA ATM cards and debit cards or access codes are shown on the 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 transactions using your Card is $0.00 if you believe a transfer has been made using notify us promptly upon becoming aware of the information loss or theft, and you exercise reasonable care in safeguarding your Card from loss, theft, or unauthorized use. These provisions limiting your check without your permission. If unauthorized activity occurs, you agree liability do not apply to cooperate during the investigation and to complete an affidavit regarding the unauthorized activitydebit transactions not processed by Mastercard.

Your Liability for Unauthorized Transfers. Tell FSB us AT ONCE if you believe your ATM cardCard, debit card, Personal Identification Number (PIN) PIN or similar code Account number has been lost, lost or stolen, or learned by an unauthorized person, or if you believe that an electronic fund transfer has been or may be made without your permission using information from permission. Telephoning us at (000) 000-0000 is the best way of keeping your checkpossible 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 tell FSB us within two business days after you learn of the loss or theft, you can lose no more than $50 for an unauthorized electronic funds transfer or a series of related unauthorized transfers should someone use your card or code without your permission. If you do NOT tell FSB within two 2 business days after you learn of the loss or theft of your card Card, PIN or code 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 FSB we can prove we could have stopped someone from using your card Card, PIN or code Account number without your permission if you had told FSBus, you could lose as much as $500. Your losses could include all of the money in your account plusAlso, if you 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 transfers that you did not make, including those made by cardCard, code, code or other means, tell us at once. For procedures on reporting statement errors, see the section labeled “Information About Your Right to Dispute Errors”, below. If you do not tell FSB us within 60 sixty (60) days after the statement was mailed made available to you, you may not get back any money you lost after the 60 sixty (60) days if FSB we can prove that we could have stopped someone from taking the money if you had told FSB us in time. If a good reason (such as a long trip or a hospital stay) kept keeps you from telling FSBus, FSB we will extend the time periods periods. If your Card or Account number has been lost or stolen, we may close your Account to keep losses down and send you a replacement Account number. Notwithstanding the above, pursuant to Mastercard Inc.’s Mastercard Rules and Mastercard Zero Liability Protection Policy, your liability for claims of unauthorized transfers. The Telephone Number and Address to Report Unauthorized Transfer and Lost or Stolen USAA ATM cards and Mastercard debit cards or access codes are shown transactions on the 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 your Account is $0 if you believe a transfer has been made using are not grossly negligent or fraudulent in the information from handling of your check without your permissionCard. If 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 activity occurs, you agree to cooperate during the investigation and to complete an affidavit regarding the unauthorized activityuse.

Your Liability for Unauthorized Transfers. During your online KlaDot Account set-up, you will be invited to register your phone number and create Access Credentials to protect your KlaDot Account from unauthorized access. You are responsible for maintaining ownership of the mobile device associated with the phone number and security of your other Access Credentials. Tell FSB us AT ONCE if you believe that any Access Credentials or device you use to access your ATM card, debit card, Personal Identification Number (PIN) or similar code KlaDot Account has been lost, lost or stolen, or learned by an unauthorized person, or if you believe that an electronic fund transfer EFT has been made without your permission using information permission, or that someone has transferred or may transfer money from your checkDeposit Account without your authorization. You may write to us at xxxxx@xxxxxx.xxx or such other address as we may provide to you from time to time). Using our mobile chat messenger from the KlaDot application is the best way of keeping your possible losses down. You could lose all the money in your Deposit Account. If you tell FSB us within two business days after you learn of the loss or theft, you can lose no more than $50 for an unauthorized electronic funds transfer or a series of related unauthorized transfers should someone use your card or code without your permission. If you do NOT tell FSB within two business days Business Days after you learn of the loss or theft of your card Access Credentials or code device, your liability will be limited to $50 if someone accesses your Deposit Account without your authorization. If you DO NOT tell us within two Business Days after you learn of the lost or theft of your Access Credentials or device, and FSB we can prove we could have stopped someone from using your card Access Credentials or code device without your permission if you had told FSBus, you could lose as much as $500. Your losses could include all of the money in your account plusAlso, if you 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 transfers that you did not make, including those made by card, code, or other meanstell us AT ONCE. If you do not tell FSB us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if FSB we can prove that we could have stopped someone from taking the money if had you had told FSB us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling FSBus, FSB we will extend the time periods periods. If you grant authority to make transfers to another person who exceeds the authority granted, you are fully liable for claims any transfers until you notify us that transfers by that person are no longer authorized. In Case of unauthorized transfers. The Telephone Number and Address Errors or Questions about your EFTs Write to Report Unauthorized Transfer and Lost us at xxxxx@xxxxxx.xxx as soon as you can, if you think your statement or Stolen USAA ATM cards and debit cards receipt is wrong or access codes are shown on the Service Fee Schedule. You may also contact FSB on xxxx.xxx. You should also call the number or write to the address if you need more information about a transfer listed on the Service Fee Schedule statement or contact FSB at xxxx.xxx if receipt. We must hear from you believe a transfer has been made using no later than 60 days after we send the information from your check without your permission. If unauthorized activity occurs, you agree to cooperate during FIRST statement on which the investigation and to complete an affidavit regarding the unauthorized activityproblem or error appeared.

Your Liability for Unauthorized Transfers. Tell FSB AT ONCE Contact us at once if you believe your ATM card, debit card, Personal Identification Number (PIN) or similar code Card has been lost, lost or stolen. Telephoning is the best way to minimize your possible losses. If you believe your Card has been lost or stolen, or learned by an unauthorized person, that someone has transferred or if you believe that an electronic fund may transfer has been made money from your Card Account or Card Sub-Account without your permission using information permission, call us at the Customer Service number above. 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 your check. If you tell FSB within two business days after you learn risk of the loss or theft, you can lose no more than $50 for an unauthorized electronic funds transfer and, upon becoming aware of such loss or a series of related unauthorized transfers should someone use your card or code without your permission. If you do NOT tell FSB within two business days after you learn of the 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 or code and FSB could have stopped someone from using your card or code without your permission if you had told FSB, you could lose as much as $500Card Account. Your losses could include all of the money in your account plusAlso, if you 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 become aware of and/or your statement shows transfers transactions that you did not make, including those made by card, code, or other means. notify us at once following the procedures stated in the paragraph labeled “Your Right to Dispute Errors.” If you do not tell FSB notify us in writing within 60 sixty (60) days after you become aware of the transaction and/or after the statement was mailed made available to you, you may not get back any money value you lost after the 60 sixty (60) days if FSB we can prove that we could have stopped someone from taking the money value if you had told FSB 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 FSBus, FSB we will extend the time periods for claims of unauthorized transfersperiods. The Telephone Number and Address to Report Unauthorized Transfer and Lost If your Card or Stolen USAA ATM cards and debit cards or access codes are shown on the Service Fee Schedule. You may also contact FSB on xxxx.xxx. You should also call the Card 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 lost or stolen please notify us immediately and we will inactive your check without Card and send you a replacement Card at no charge. In some cases, we may close your permissionCard Account or Card Sub-Account to keep losses down. If unauthorized activity occursUpon your request, we may provide you agree to cooperate during the investigation and to complete an affidavit regarding the unauthorized activitywith a replacement Card Account or Card Sub-Account.

Your Liability for Unauthorized Transfers. Tell FSB us AT ONCE if you believe your ATM card, debit card, Personal Identification Number (PIN) Registered Card or similar code Personalized Card or PIN related thereto has been lostlost or stolen or your Registered Card or Personalized Card has been used without your permission. Reporting such loss, stolentheft, or learned unauthorized access at xxx.xxxxxxxx.xxx or by an unauthorized person, or if you believe that an electronic fund transfer has been made without calling us at (000) 000-0000 is the best way of keeping your permission using information from possible losses down. You could lose all the money on your checkCard. If you tell FSB within two business days after you learn of the loss or theft, you can lose no more than $50 for an unauthorized electronic funds transfer or a series of related unauthorized transfers should someone use your card or code without your permission. If you do NOT tell FSB us within two business days after you learn of the loss or theft of your card Registered Card or code Personalized Card or PIN related thereto, you can lose no more than $50 if someone used your Registered Card or Personalized Card or PIN related thereto without your permission. If you do NOT tell us within two business days after you learn of the loss or theft of your Registered Card or Personalized Card or PIN related thereto, and FSB we can prove that we could have stopped someone from using your card Registered Card or code Personalized Card or PIN related thereto without your permission if you had told FSBus, you could lose as much as $500. Your losses could include all (Note: Since your Registered Card or Personalized Card is a Visa Card, you will not be held responsible for unauthorized transactions processed by Visa if you use care in protecting your Registered Card or Personalized Card and notify the Bank immediately of the money in your account plusany unauthorized use.) Also, if you have an overdraft protection plan linked to your account, any transfers from another account, online or any advances on a credit line written transaction history for your Registered Card or credit card. Tell FSB AT ONCE if your statement Personalized Card shows transfers that you did not make, including those made by cardyour Registered Card or Personalized Card, codePIN related thereto, or other means, tell us at once. If you do not tell FSB us within 60 days after the statement was mailed to youafter: (i) you electronically access your Card information for your Registered Card or Personalized Card at xxx.xxxxxxxx.xxx, or (ii) we provide you with a written history of your Card transactions for your Registered Card or Personalized Card, you may not get back any money value you lost after the 60 days if FSB we can prove that we could have stopped someone from taking the money value if you had told FSB us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling FSBus, FSB we will extend the time periods for claims of unauthorized transfersperiods. The Telephone Number and Address to Report Unauthorized Transfer and Lost or Stolen USAA ATM cards and debit cards or access codes are shown on the 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 limited liability provisions set forth in this section only apply if you believe a transfer has been made using have registered your Card. Once you register your Card, the information from limited liability provisions set forth in this section will apply to unauthorized transactions that occurred after the registration of your check without your permission. If unauthorized activity occurs, Card as long as you agree to cooperate during the investigation and to complete an affidavit regarding timely notify us of the unauthorized activitytransactions as provided above. Please see “Registering Your Card” above to learn more about how to register your Card.

Your Liability for Unauthorized Transfers. Tell FSB AT ONCE if you believe If your ATM card, debit card, Personal Identification Number (PIN) or similar code user ID and/or password has been lost, stolen, or learned by an unauthorized person, or if you believe that an electronic fund transfer has been made without your permission using information from your check. If compromised and you tell FSB us within two business days after you learn 2 Business Days of discovering the loss or theftmisappropriation, you can lose no more than $50 for an unauthorized electronic funds transfer or a series of related unauthorized transfers should if someone use used your card or code user ID and/or password without your permission. If you do NOT not tell FSB us within two business days after you learn of the loss or theft of your card or code and FSB could have stopped someone from using your card or code without your permission if you had told FSB2-Business Day period, you could lose as much as $500500 if we could have stopped the use of your accounts had we received notice in a timely manner. Your losses could include all of You must contact the money Bank as soon as you identify any errors or discrepancies in your account plusperiodic statement or transaction record, or if you need any information about a transaction listed on the periodic statement or transaction record. We must hear from you no later than 60 days after we have an overdraft protection plan linked to your accountsent the first statement on which the unauthorized transaction, any transfers from another accountproblem or error appeared. (If you notify us verbally, or any advances on a credit line or credit card. Tell FSB AT ONCE if your statement shows transfers we may require that you did not make, including those made by card, code, send us your complaint or other meansquestion in writing or electronically within 10 Business Days). If you do not tell FSB fail to notify us within 60 days after the statement was mailed to you60-day period, you may not get back recover any of the money you lost after if we can establish that the 60 days if FSB loss could have stopped someone from taking the money if been avoided had you had told FSB in notified us on time. If a good reason (such as a long trip or a hospital stay) kept you from telling FSB, FSB will We may extend the these time periods for claims good reason such as out-of-town travel or extended hospital stays. MONEY MANAGEMENT & CASH BACK REWARDS OFFERS – END USER LICENSE AGREEMENT Should you decide to use either Money Management or the Cash Back Rewards feature of unauthorized transfersthe Service, you acknowledge and agree to the following terms and conditions. The Telephone Number License Grant and Address Restrictions: You are granted a personal, limited, non-exclusive, non-transferable license, to Report Unauthorized Transfer electronically access and Lost use the Money Management Service (“Money Management”) solely to manage your financial data, and the Cash Back Rewards application ("Cash Back Rewards Offers") to benefit from your debit card purchases. 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 Stolen USAA ATM cards maintenance releases, etc.) of Money Management or Cash Back Rewards Offers if and debit cards 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 the Money Management site or from the Cash Back Rewards Offers program; (iii) permit any third party to benefit from the use or functionality of Money Management or Cash Back Rewards Offers, or any other services provided in connection with them, via a rental, lease, timesharing, service bureau, or other arrangement; (iv) transfer any of the rights granted to you under this license; (v) work around any technical limitations in Money Management, use any tool to enable features or functionalities that are otherwise disabled in Money Management, or decompile, disassemble, or otherwise reverse engineer Money Management except as otherwise permitted by applicable law; (vi) perform or attempt to perform any actions that would interfere with the proper working of Money Management or Cash Back Rewards Offers or any services provided in connection with them, prevent access to or the use of Money Management, Cash Back Rewards Offers or any or services provided in connection with them by other licensees or customers, or impose an unreasonable or disproportionately large load on the infrastructure while using Money Management; or (vii) otherwise use Money Management, Cash Back Rewards Offers or any services provided in connection with them except as expressly allowed under this Section. Ownership: Money Management and Cash Back Rewards Offers are protected by copyright, trade secret and other intellectual property laws. You do not have any rights to the trademarks or service marks. Your Information and Account Data with Us: You are responsible for (i) maintaining the confidentiality and security of your access number(s), password(s), security question(s) and answer(s), account number(s), login information, and any other security or access codes are shown on information, used by you to access the Service Fee ScheduleService, Cash Back Rewards Offers or any services provided in connection with them, and your accounts with us (collectively, "Licensee Access Information"), and (ii) preventing unauthorized access to or use of the information, files or data that you store or use in or with Money Management, Cash Back Rewards Offers or any services provided in connection with them (collectively, "Account Data"). You are responsible for providing access and assigning passwords to other users, if any, under your account for Money Management, Cash Back Rewards Offers or any services provided in connection with them and ensuring that such authorized users comply with this Agreement. You will be responsible for all electronic communications, including account registration and other account holder information, email and financial, accounting and other data ("Communications") entered using the Licensee Access Information. It is assumed that any Communications received through use of the Licensee Access Information were sent or authorized by you. You agree to immediately notify us if you become aware of any loss, theft or unauthorized use of any Licensee Access Information. We reserve the right to deny you access to Money Management, Cash Back Rewards Offers or any services provided in connection with them (or any part thereof) if we reasonably believe that any loss, theft or unauthorized use of Licensee Access Information has occurred. You must inform us of, and hereby grant to us and our third party vendors permission to use, Licensee Access Information to enable us to provide Money Management, Cash Back Rewards Offers or any services provided in connection with them to you, including updating and maintaining Account Data, addressing errors or service interruptions, and to enhance the types of data and services we may provide to you in the future. We may use anonymous, aggregate information, which we collect and store, or which is collected and stored on our behalf by third party vendors, to conduct certain analytical research and help us to create new offerings and services for our customers. As we make additional offerings and online banking services available to you, some of which may rely on banking information maintained in your accounts, you will have the opportunity to participate in the services if you choose. If you choose not to participate, you do not need to notify us. We may also contact FSB use anonymous, aggregate information which we collect and store, or which is collected and stored on xxxx.xxxour behalf by third party vendors, to (i) conduct database marketing and marketing program execution activities; (ii) publish summary or aggregate results relating to metrics comprised of research data from time to time; and (iii) distribute or license such aggregated research data to third parties. You should also call Additionally, automated technology may be used to tailor messages or advertisements that best reflect your interest and needs. Your Information and Account Data with Other Financial Institutions: Our financial management tools allow you to view accounts that you may have outside our financial institution (this is a process called "aggregation"). When you choose to use online financial services, which are applicable to data that you have transacted with other financial institutions or card issuers, you are consenting to us accessing and aggregating your data from those outside financial institutions. That data includes your financial institution account access number(s), password(s), security question(s) and answer(s), account number(s), login information, and any other security or access information used to access your account(s) with other financial institutions, and the number actual data in your account(s) with such financial institution(s) such as account balances, debits and deposits (collectively, "Financial Account Data"). In giving that consent, you are agreeing that we, or write a third party vendor on our behalf, may use, copy and retain all non- personally identifiable information of yours for the following purposes: (i) as pertains to the address listed use, function, or performance of the services which you have selected; (ii) as necessary or useful in helping us, or third parties on our behalf, to diagnose or correct errors, problems, or defects in the Service Fee Schedule or contact FSB at xxxx.xxx if services you believe a transfer has been made using the information from your check without your permission. If unauthorized activity occurs, you agree to cooperate during the investigation and to complete an affidavit regarding the unauthorized activity.have selected;

Your Liability for Unauthorized Transfers. Tell FSB AT ONCE Contact us at once if you believe your ATM card, debit card, Personal Identification Number (PIN) Card or similar code PIN has been lost, lost or stolen. Telephoning is the best way to minimize your possible losses. If you believe your Card has been lost or stolen, or learned by an unauthorized person, that someone has transferred or if you believe that an electronic fund may transfer has been made money from your Card Account without your permission using information from your checkpermission, call us at Customer Service. If you tell FSB within two business days after have both a virtual and a physical Card and you learn of the loss or theft, you can lose no more than $50 for an unauthorized electronic funds transfer or a series of related unauthorized transfers should someone use your card or code without your permission. If you do NOT tell FSB within two business days after you learn of the loss or theft report one of your card Cards lost or code stolen, both Cards will be canceled and FSB could have stopped someone from 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 or code Card Account that take place on the Visa system without your permission a PIN is $0.00 if you had told FSBare 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 ATM cash withdrawals (see Transactions Not Routed Through the Visa System below). Transactions Not Routed Through the Visa System: Unauthorized transactions that are not routed through Visa are not protected by the Visa Zero Liability Protection policy. These types of transactions include (i) ATM transactions, you could lose as much as $500and (ii) point of sale, PIN, PINless, automated clearing house, or other debit transactions not processed by Visa. Your losses could include all of the money in your account plusAlso, if you 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 become aware of and/or your statement or electronic history shows transfers transactions that you did not make, including those made by card, code, or other meansnotify us at once following the procedures stated in the paragraph labeled “Your Right to Dispute Errors”. If you do not tell FSB notify us in writing within 60 sixty (60) days after you become aware of the transaction and/or after the statement was mailed made available to you, you may not get back any money value you lost after the 60 sixty (60) days if FSB we can prove that we could have stopped someone from taking the money value if you had told FSB 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 FSBus, FSB we will extend the time periods for claims of unauthorized transfersperiods. The Telephone Number and Address to Report Unauthorized Transfer and Lost or Stolen USAA ATM cards and debit cards or access codes are shown on the 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 If your Card has been made using the information from lost or stolen, we will close your check without Card Account to keep losses down. Upon your permission. If unauthorized activity occursrequest, we will issue you agree to cooperate during the investigation and to complete an affidavit regarding the unauthorized activitya replacement Card.

Your Liability for Unauthorized Transfers. Tell FSB AT ONCE Contact us at once if you believe your ATM card, debit card, Personal Identification Number (PIN) or similar code Card has been lost, lost or stolen. Telephoning is the best way to minimize your possible losses. If you believe your Card has been lost or stolen, or learned by an 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 persontransactions 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 applies , if you believe that an electronic fund transfer has been made without your permission using information from your check. If you tell FSB notify us within two (2) business days after you learn of the loss or theftany unauthorized transactions, you can lose no more than $50 for an unauthorized electronic funds transfer or a series of related unauthorized transfers should 50.00 if someone use used your card or code Card without your permission. If you do NOT tell FSB not notify us within two (2) business days after you learn of the loss or theft of your card or code Card and FSB we can prove that we could have stopped someone from using your card or code Card without your permission if you had told FSBpromptly notified us, you could lose as much as $500500.00. Your losses could include all of the money in your account plusAlso, if you 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 become aware of and/or your statement shows transfers transactions that you did not make, including those made by card, code, or other means. notify us at once following the procedures stated in the paragraph labeled “Your Right to Dispute Errors.” If you do not tell FSB notify us in writing within 60 sixty (60) days after the statement was mailed made available to you, you may not get back any money value you lost after the 60 sixty (60) days if FSB we can prove that we could have stopped someone from taking the money value if you had told FSB 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 FSBus, FSB we will extend the time periods for claims of unauthorized transfersperiods. The Telephone Number and Address to Report Unauthorized Transfer and Lost or Stolen USAA ATM cards and debit cards or access codes are shown on the 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 If your Card has been made using the information from lost or stolen please notify us immediately and we will deactivate your check without Card and send you a replacement Card per our fee schedule. In some cases, we may close your permissionCard Account to keep losses down. If unauthorized activity occursUpon your request, we may provide you agree to cooperate during the investigation and to complete an affidavit regarding the unauthorized activitywith a replacement Card Account.

Your Liability for Unauthorized Transfers. Tell FSB AT ONCE if you believe your ATM card, debit card, Personal Identification Number (PIN) or similar code has been lost, stolen, or learned by an unauthorized person, or if you believe that an electronic fund transfer has been made without your permission using information from your check. If you tell FSB us within two (2) business days after you learn of discover your password or the loss Software has been lost or theftstolen, you can lose no more than $50 for an unauthorized electronic funds transfer or a series of related unauthorized transfers should 50.00 if someone use uses your card or code LivCom account without your permission. If you do NOT not tell FSB us within two (2) business days after you learn of the such loss or theft of your card or code theft, and FSB we can prove that we could have stopped someone from using your card password or code the Software without your permission if you had told FSBus, you could lose as much as $500500.00. In the event Your losses could include all Bank Returns a Transaction. In using the Service, you are requesting Big Bend to make payments for you from your designated transaction account. If your financial institution, or the holder of the money account from which you have designated payment is unable to process a transaction (for example, there are not sufficient funds in your account plusto cover the transaction), the transaction may not be completed. Types of Payments and Limitations on Payees You may use the Service to authorize payment from an account that you designate. Big Bend reserves the right to refuse to pay any person or entity to whom you may direct a payment. Big Bend is obligated to notify you promptly if they decide to refuse to pay a person or entity designated by you. This notification is not required if you have an overdraft protection plan linked attempt to your accountpay tax or court-related payments, any transfers from another accountwhich are prohibited under this Agreement. The maximum payment amount allowed for a single transaction is $1,250.00. Charges As a customer of the Service, you will not be charged by Big Bend for receiving a document electronically. There may be a $3.00 charge for electronic payments as well as a charge for additional transactions and other optional services. Exclusion of Warranties BIG BEND IS PROVIDING THE SERVICE “AS IS” WITHOUT ANY WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON INFRINGEMENT AND TITLE. BIG BEND DOES NOT WARRANT THAT THE SERVICE IS ERROR-FREE, OR THAT ACCESS TO AND USE OF THE SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE. Limitation of Liability IN NO EVENT SHALL BIG BEND OR ITS LICENSORS OR SUPPLIERS BE LIABLE FOR ANY DAMAGES WHATSOEVER (INCLUDING, WITHOUT LIMITATION, DIRECT, INDIRECT, SPECIAL OR CONSEQUENTIAL DAMAGES) ARISING OUT OF THE DELIVERY, PERFORMANCE, OR USE OF THE SERVICE, WHETHER INCURRED BY YOU OR ANY THIRD PARTY, EVEN IF BIG BEND OR ITS LICENSORS OR SUPPLIERS HAVE BEEN ADVISED OR MAY OTHERWISE KNOW OF THE POSSIBILITY OF SUCH DAMAGES. IF ANY LIABILITY IS IMPOSED ON BIG BEND, ITS LICENSORS OR SUPPLIERS, BIG BEND’S AND ITS LICENSORS OR SUPPLIERS TOTAL LIABILITY TO YOU OR ANY THIRD PARTY SHALL NOT EXCEED THE AMOUNT YOU PAID FOR THE SERVICE. Some jurisdictions prohibit exclusion or any advances on a credit line limitation of liability for implied warranties or credit card. Tell FSB AT ONCE if your statement shows transfers that you did consequential or incidental damages, so the above limitation may not make, including those made by card, code, or other means. If you do not tell FSB within 60 days after the statement was mailed apply to you, you may not get back any money you lost after the 60 days if FSB could have stopped someone from taking the money if you had told FSB in time. If a good reason (such as a long trip or a hospital stay) kept you from telling FSB, FSB will extend the time periods for claims of unauthorized transfers. The Telephone Number and Address to Report Unauthorized Transfer and Lost or Stolen USAA ATM cards and debit cards or access codes are shown on the Service Fee Schedule. You may also contact FSB on xxxx.xxx. You should also call the number or write have other legal rights that vary from jurisdiction 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 unauthorized activity occurs, you agree to cooperate during the investigation and to complete an affidavit regarding the unauthorized activityjurisdiction.