Common use of Your Liability for Unauthorized Transfers Clause in Contracts

Your Liability for Unauthorized Transfers. You must tell us AT ONCE if you believe any of your account credentials or your password(s) have been compromised, or if you believe that a Transfer Transaction has been made without your permission. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your Funding Account, plus the maximum amount of your Bankoh CoverCheck or overdraft protection plans. If you tell us within 2 Business Days after you learn of the loss or theft of your password, you can lose no more than $50 if someone used your account and/or password to initiate a Transfer Transaction without your permission. If you do NOT tell us within 2 Business Days after you learn of the loss or theft of your password, and we can prove we could have stopped someone from using your password without your permission if you had told us, you could lose as much as $500. Also, if your Account statement shows a Transfer Transaction that you did not make, you must tell us at once. If you do not tell us within 60 days after the statement was mailed or delivered to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or hospital stay) kept you from telling us, we will extend the time periods. If you believe your account and/or password has been compromised, or if you believe an electronic fund transfer has been made without your permission using information from your account (account and routing number information), you must tell us immediately by telephone or in writing. See section A “How to Contact Us/Loss of your Device and/or Security Codes”.

Your Liability for Unauthorized Transfers. You must tell us AT ONCE if If you believe any of your account credentials permit other persons to use the Service or your password(s) have been compromisedpassword, or if you are responsible for any transactions they authorize from your accounts. If you believe that a Transfer Transaction your password has been made lost or stolen or that someone has transferred or may transfer money from your account without your permission. Telephoning is , notify us at once by visiting a branch near you, calling our Client Care Center team at 000-000-0000 or 000-000-0000 (outside the best way of keeping your possible losses downU.S.), or emailing us at xxxxxxxxxxxxx@xxxx.xxx. You could lose all may also contact us at the money address noted in your Funding Account, plus the maximum amount of your Bankoh CoverCheck or overdraft protection plans. section entitled “Notices to Us Regarding the Service.” If you tell us within 2 two (2) Business Days after you learn of discover your password or other means to access your account through which you access the loss Service has been lost or theft of stolen, your password, you can lose liability is no more than $50 if 50.00 should someone used access your account and/or password to initiate a Transfer Transaction without your permission. If you do NOT not tell us within 2 two (2) Business Days after you learn of the such loss or theft of your passwordtheft, and we can prove that we could have stopped someone from using prevented the unauthorized use of your password without or other means to access your permission account if you had told us, you could lose be liable for as much as $500500.00. Also, if If your Account monthly financial institution statement shows a Transfer Transaction contains payments that you did not makeauthorize, you must tell us at once. If you do not tell us within 60 sixty (60) days after the statement was mailed or delivered 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 we can prove that we could have stopped someone from taking the money if had you had told us in time. If a good reason (such as a long trip or a hospital stay) kept prevented you from telling us, we will may in our sole discretion extend the time periods. If you believe your account and/or password has been compromised, or if you believe an electronic fund transfer has been made without your permission using information from your account (account and routing number information), you must tell us immediately by telephone or in writing. See section A “How to Contact Us/Loss of your Device and/or Security Codes”period.

Your Liability for Unauthorized Transfers. You must tell us report to the credit union AT ONCE if you believe your account number, PIN, or any other code, password, or other means of identification we have provided to you has been stolen, disclosed to or used by an unauthorized person. Enabling your computer to memorize or save your password or other security codes shall be considered authorization for any subsequent use of your account credentials or your password(s) have been compromisedcomputer and access to eBanking, mobile banking, or if you believe that a Transfer Transaction has been made without your permissioneBill Pay by any other person. Telephoning the credit union is the best way of keeping your possible to keep losses down. You could lose all the money in your Funding Account, plus the maximum amount of your Bankoh CoverCheck or overdraft protection plansat a minimum. If you tell notify us within 2 Business Days two (2) business days after you learn of the loss or theft of your passwordcard or PIN, you can lose no more than $50 if someone used your card or PIN or accessed your account and/or password to initiate a Transfer Transaction without your permission. If you do NOT tell notify us within 2 Business Days two (2) business days after you learn of the loss theft or theft unauthorized use of your account number, PIN or any other code, password, or other means of identification we have provided to you and we the credit union can prove we it could have stopped someone from using your identification or password without your permission if you had told usthe credit union, you could lose as much as $500. Also, if your Account statement shows a Transfer Transaction transfers that you did not makeauthorize, you must tell us at once. If you do not tell us within 60 sixty (60) days after the statement was mailed or delivered to you, you may not get back any money you lost after the 60 sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a hospital stay or long trip or hospital staytrip) kept you from telling usus of the unauthorized transfer, we will may extend the time periodsnotice period, as deemed reasonable. If you believe your the account and/or password number, PIN, or any other code, password, or other means of identification we have provided to you has been compromisedlost, stolen, disclosed to or if you believe used by an electronic fund unauthorized person or that someone has transferred or may transfer has been made without your permission using information money from your account (account and routing without your permission, call or write us at the telephone number information), you must tell us immediately by telephone or address indicated in writing. See section A “How to Contact Us/Loss of your Device and/or Security Codes”this Agreement.

Your Liability for Unauthorized Transfers. You must tell This section applies only to consumer accounts. Tell us AT ONCE if you believe that your password or any other of your account access credentials has been lost or your password(s) have been stolen or otherwise compromised, or if you believe that a Transfer Transaction an electronic fund transfer has been made without your permission using information from your check, that someone may otherwise attempt to use the Service without your consent, or that someone has transferred money without your permission. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your Funding Account, plus the maximum amount of your Bankoh CoverCheck or overdraft protection plansCall 000- 000-0000. If you tell us within 2 two (2) Business Days after you learn of the loss discover your password or theft of other means to access your passwordaccount has been lost or stolen, you can lose your liability is no more than $50 if 50.00 should someone used access your account and/or password to initiate a Transfer Transaction without your permission. If you do NOT tell us within 2 two (2) Business Days after you learn of the such loss or theft of your passwordtheft, and we can prove that we could have stopped someone from using prevented the unauthorized use of your password without or other means to access your permission account if you had told us, you could lose be liable for as much as $500500.00. Also, if If your periodic statement for a Payment Account statement shows a Transfer Transaction or Billing Account contains transfers that you did not makeauthorize, you must tell us at once. If you do not tell us within 60 sixty (60) days after the statement was mailed or delivered 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 we can prove that we could have stopped someone from taking the money if had you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will may extend the time periods. If you believe your account and/or password has been compromised, or if you believe an electronic fund transfer has been made without your permission using information from your account (account and routing number information), you must tell us immediately by telephone or in writingperiod. See section A “How to Contact Us/Loss of your Device and/or Security Codes”deposit account agreement for additional information.

Your Liability for Unauthorized Transfers. You must tell If you permit other persons to send instructions and initiate payments or transfers from your account, or use your password, you are responsible for any transactions they authorize from your accounts. Tell us AT ONCE if you believe any of your account credentials password has been lost, stolen, or your password(s) have been compromised, or if you believe that a Transfer Transaction an electronic funds transfer has been made without your permission. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your Funding Account, account (plus the your maximum amount overdraft line of your Bankoh CoverCheck or overdraft protection planscredit). If you tell us within 2 Business Days two (2) business days after you learn of the loss or theft of your password, you can lose no more than $50 50.00 if someone used your account and/or password to initiate a Transfer Transaction without your permission. If you do NOT tell us within 2 Business Days two (2) business days after you learn of the loss or theft of your password, and we can prove that we could have stopped someone from using your password without your permission if you had told us, you could lose as much as $500500.00. Also, if your Account statement shows a Transfer Transaction transfers that you did not make, you must including those made by password or other such means, tell us at once. If you do not tell us within 60 sixty (60) days after the statement was mailed or delivered to you, you may not get back any money you lost after the 60 sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If you believe that your account and/or password has been lost, stolen, or compromised, or that someone has transferred or may transfer money from your account without your permission, call (000) 000-0000, or write us at CalPrivate Bank, 0000 Xxxxxxx Xxxxxx, Xxxxx 000, Xx Xxxxx, XX 00000. You should also call the number or write this address if you believe an electronic fund a transfer has been made without your permission using the information from your account (account and routing number information), you must tell us immediately by telephone or in writing. See section A “How to Contact Us/Loss of check without your Device and/or Security Codes”permission.

Your Liability for Unauthorized Transfers. You must tell This section applies only to consumer accounts. Tell us AT ONCE if you believe that your password or any other of your account access credentials has been lost or your password(s) have been stolen or otherwise compromised, or if you believe that a Transfer Transaction an electronic fund transfer has been made without your permission using information from your check, that someone may otherwise attempt to use the Service without your consent, or that someone has transferred money without your permission. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your Funding AccountCall (000)000-0000, plus the maximum amount of your Bankoh CoverCheck or overdraft protection plans. Monday through Saturday, 8 a.m. to 9 p.m. If you tell us within 2 two (2) Business Days after you learn of the loss discover your password or theft of other means to access your passwordaccount has been lost or stolen, you can lose your liability is no more than $50 if 50.00 should someone used access your account and/or password to initiate a Transfer Transaction without your permission. If you do NOT tell us within 2 two (2) Business Days after you learn of the such loss or theft of your passwordtheft, and we can prove that we could have stopped someone from using prevented the unauthorized use of your password without or other means to access your permission account if you had told us, you could lose be liable for as much as $500500.00. Also, if If your periodic statement for a Payment Account statement shows a Transfer Transaction or Billing Account contains transfers that you did not makeauthorize, you must tell us at once. If you do not tell us within 60 sixty (60) days after the statement was mailed or delivered 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 we can prove that we could have stopped someone from taking the money if had you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will may extend the time periods. If you believe your account and/or password has been compromised, or if you believe an electronic fund transfer has been made without your permission using information from your account (account and routing number information), you must tell us immediately by telephone or in writingperiod. See section A “How to Contact Us/Loss of your Device and/or Security Codes”deposit account agreement for additional information.

Your Liability for Unauthorized Transfers. You must tell Tell us AT ONCE if you believe any of your account credentials number, user name and/or password has been lost, stolen or your password(s) have been compromised, or that someone to whom you have granted authority to use your account number, user name and/or password has exceeded such authority or if you believe that a Transfer Transaction someone has been made transferred or may transfer money from your accounts without your permission. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your Funding Account, plus the maximum amount of your Bankoh CoverCheck or overdraft protection plans. (This paragraph applies only to Consumer Accounts) If you tell us within 2 Business Days business days after you learn of the loss or theft of your passwordtheft, you can lose no more than $50 if someone used your account number, user name and/or password to initiate a Transfer Transaction without your permission. If you do NOT tell us within 2 Business Days business days after you learn of the loss or theft of your account number and/or password, and we can prove it we could have stopped someone from using your account number and/or password without your permission if you had told us, you could lose as much as $500. Also, if your Account statement shows a Transfer Transaction transactions that you did not make, you must tell us at once. If you do not tell us within 60 days after the statement was mailed or delivered to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason reasons (such as long trips or a long trip or hospital stay) kept you from telling us, we will extend the time periodsperiods to a reasonable limit. Errors or Questions About Your Electronic Transactions If you believe think your account and/or password has been compromised, statement is wrong or if you need more information about a transfer listed on the statement, please contact Community Bank as soon as possible as described under Problems, Inquiries above. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. • Tell us your name and account number. • Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an electronic fund transfer has been made without error or why you need more information. • Tell us the dollar amount of the suspected error. • If you tell us orally, we may require that you send us your permission using information complaint or question in writing within 10 business days. (This paragraph applies only to Consumer Accounts) We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account (within 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. For errors involving new accounts, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. We will tell you the results within 3 business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. Liability for Failure to Make Payments We are responsible only for exercising ordinary care in making payments upon your authorization and routing number for mailing or sending a payment to the designated payee based on the circumstances outlined above. Without liability, we may not effect a transaction if we are unable to obtain authentication of such transaction satisfactory to us, if there is any inconsistency between a transaction and information previously supplied to us, if such transaction is not initiated in conformity with the terms of this addendum, if we reasonably believe that execution of the transaction might result in an unauthorized or erroneous transfer of funds or might otherwise cause us to suffer a loss. We are not responsible for payments that cannot be made due to incomplete, incorrect, or outdated information). We make no warranty of any kind, express or implied, including any implied warranty of merchantability or fitness for a particular purpose, in connection with Xxxx Pay. We do not and cannot warrant that the Xxxx Pay Service will operate without error, or that the Xxxx Pay Service will be available at all times. Except as specifically provided in this addendum, or otherwise required by law, you must tell us immediately agree that we and our officers, directors, employees, agents or contractors are not liable for any indirect, incidental, special or consequential damages under or by telephone reason of your use of Xxxx Pay Service, including loss of profits, revenue, data or use by you or any third party, whether in an action in contract or tort or based on a warranty or any other legal theory. We will not be liable if we do not make a transfer on time or in writing. See section A “How to Contact Us/Loss of your Device and/or Security Codes”.the correct amount if:

Your Liability for Unauthorized Transfers. You must tell Tell us AT ONCE if you believe any of your account credentials password has been lost or your password(s) have been compromisedstolen, or if you believe that a Transfer Transaction an electronic fund transfer has been made without your permissionpermission or otherwise compromised using information from your check. Telephoning is the best way of keeping your possible losses down. We will require such notification to be followed up in writing. You could lose all the money in your Funding Account, account plus the maximum amount of any available balance in your Bankoh CoverCheck or overdraft protection plansaccount, revolving line of credit and/or Discretionary Overdraft Privilege limit. If you tell us within 2 Business Days business days after you learn of the loss or theft of your password, you can lose no more than $50 if someone used your account and/or password to initiate a Transfer Transaction without your permission. If you do NOT tell us within 2 Business Days business days after you learn of the loss or theft of your password, and we can prove we could have stopped someone from using your password without your permission if you had told us, you could lose as much as $500. Also, if your Account statement shows a Transfer Transaction transfers that you did not make, you must including those made by card, password or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed or delivered otherwise made available to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will may, in our sole discretion, extend the time periods. If you believe your account and/or password has been compromised, or if you believe an electronic fund transfer has been made without your permission using information from your account (account and routing number information), you must tell us immediately by telephone or in writing. See the section A “titled "How to Contact Us/Loss " for our phone numbers and address. However, if you use Online Banking, Bill Pay, or Pay Other People for business purposes, you assume all risk of loss for unauthorized transfers and payments, and you must establish your Device and/or Security Codes”own internal security procedures for employees you authorize to use Online Banking and to prevent all unauthorized use by other employees or persons.

Your Liability for Unauthorized Transfers. You must tell Tell us AT ONCE if you believe any of your account credentials digital banking password has been lost or your password(s) have been compromised, stolen or if you believe that a Transfer Transaction an electronic fund transfer has been made without your permission. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your Funding Account, account (plus the your maximum amount overdraft line of your Bankoh CoverCheck or overdraft protection planscredit). If you tell us within 2 Business Days two (2) business days after you learn of the loss or theft of your password, you can lose no more than $50 50.00 if someone used your account and/or password to initiate a Transfer Transaction without your permission. If you do NOT tell us within 2 Business Days two (2) business days after you learn of the loss or theft of your password, and we can prove that we could have stopped someone from using your password without your permission if you had told us, you could lose as much as $500500.00. Also, if If your Account statement shows a Transfer Transaction transfers that you did not make, you must including those made electronically or other such means, tell us at once. If you do not tell us within 60 sixty (60) days after the statement was mailed or delivered to you, you may not get back any money you lost after the 60 sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If you believe that your account and/or password has been compromisedlost or stolen or that someone has transferred or may transfer money from your account without your permission, call 000-000-0000, or write us at xxxxxxxxxxxxxxx@xxxxxxxxxxxxxxxxx.xxx, or Crossroads Bank, 0000 X. Xxxx St, P.O. Box 259, Wabash, IN 46992. You should also call the number or write this address if you believe an electronic fund a transfer has been made without your permission using the information from your account (account and routing number information), you must tell us immediately by telephone or in writing. See section A “How to Contact Us/Loss of check without your Device and/or Security Codes”permission.

Your Liability for Unauthorized Transfers. You must tell Tell us AT ONCE if you believe any of your account credentials number, user name and/or password has been lost, stolen or your password(s) have been compromised, or that someone to whom you have granted authority to use your account number, user name and/or password has exceeded such authority or if you believe that a Transfer Transaction someone has been made transferred or may transfer money from your accounts without your permission. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your Funding Account, plus the maximum amount of your Bankoh CoverCheck or overdraft protection plans. (This paragraph applies only to Consumer Accounts) If you tell us within 2 Business Days business days after you learn of the loss or theft of your passwordtheft, you can lose no more than $50 if someone used your account number, user name and/or password to initiate a Transfer Transaction without your permission. If you do NOT tell us within 2 Business Days business days after you learn of the loss or theft of your account number and/or password, and we can prove it we could have stopped someone from using your account number and/or password without your permission if you had told us, you could lose as much as $500. Also, if your Account statement shows a Transfer Transaction transactions that you did not make, you must tell us at once. If you do not tell us within 60 days after the statement was mailed or delivered to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason reasons (such as long trips or a long trip or hospital stay) kept you from telling us, we will extend the time periodsperiods to a reasonable limit. Errors or Questions About Your Electronic Transactions If you believe think your account and/or password has been compromised, statement is wrong or if you need more information about a transfer listed on the statement, please contact Community Bank as soon as possible as described under Problems, Inquiries above. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. • Tell us your name and account number. • Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an electronic fund transfer has been made without error or why you need more information. • Tell us the dollar amount of the suspected error. • If you tell us orally, we may require that you send us your permission using information complaint or question in writing within 10 business days. (This paragraph applies only to Consumer Accounts) We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account (within 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. For errors involving new accounts, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. We will tell you the results within 3 business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. Liability for Failure to Make Payments We are responsible only for exercising ordinary care in making payments upon your authorization and routing number for mailing or sending a payment to the designated payee based on the circumstances outlined above. Without liability, we may not effect a transaction if we are unable to obtain authentication of such transaction satisfactory to us, if there is any inconsistency between a transaction and information previously supplied to us, if such transaction is not initiated in conformity with the terms of this addendum, if we reasonably believe that execution of the transaction might result in an unauthorized or erroneous transfer of funds or might otherwise cause us to suffer a loss. We are not responsible for payments that cannot be made due to incomplete, incorrect, or outdated information). We make no warranty of any kind, express or implied, including any implied warranty of merchantability or fitness for a particular purpose, in connection with Bill Pay. We do not and cannot warrant that the Bill Pay Service will operate without error, or that the Bill Pay Service will be available at all times. Except as specifically provided in this addendum, or otherwise required by law, you must tell us immediately agree that we and our officers, directors, employees, agents or contractors are not liable for any indirect, incidental, special or consequential damages under or by telephone reason of your use of Bill Pay Service, including loss of profits, revenue, data or use by you or any third party, whether in an action in contract or tort or based on a warranty or any other legal theory. We will not be liable if we do not make a transfer on time or in writing. See section A “How to Contact Us/Loss of your Device and/or Security Codes”.the correct amount if:

Your Liability for Unauthorized Transfers. You must tell us report to the credit union AT ONCE if you believe your account number, PIN, or any other code, password, or other means of identification we have provided to you has been stolen, disclosed to or used by an unauthorized person. Enabling your computer to memorize or save your password or other security codes shall be considered authorization for any subsequent use of your account credentials computer and access to eBanking or your password(s) have been compromised, or if you believe that a Transfer Transaction has been made without your permissionExtra Credit Union eBill Pay by any other person. Telephoning the credit union is the best way of keeping your possible to keep losses downat a minimum. You If you do not phone us immediately, you could lose all the money in your Funding Accountaccount, plus the your maximum amount overdraft line of your Bankoh CoverCheck or overdraft protection planscredit. If you tell notify us within 2 Business Days after you learn of the loss or theft of your passwordtwo (2) business days, you can lose no more than $50 if someone used accessed your account and/or password to initiate a Transfer Transaction without your permission. If you do NOT tell notify us within 2 Business Days two (2) business days after you learn of the loss theft or theft unauthorized use of your account number, PIN or any other code, password, or other means of identification we have provided to you and we the credit union can prove we it could have stopped someone from using your identification or password without your permission if you had told usthe credit union, you could lose as much as $500. Also, if your Account statement shows a Transfer Transaction transfers that you did not makeauthorize, you must tell us at once. If you do not tell us within 60 sixty (60) days after the statement was mailed or delivered to you, you may not get back any money you lost after the 60 sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a hospital stay or long trip or hospital staytrip) kept you from telling usus of the unauthorized transfer, we will may extend the time periodsnotice period, as it deems reasonable. If you believe your the account and/or password number, PIN, or any other code, password, or other means of identification we have provided to you has been compromisedstolen, disclosed to or if used by an unauthorized person or that someone has transferred or may transfer money from you believe an electronic fund transfer has been made account without your permission using information from your account (account and routing permission, call or write us at the telephone number information), you must tell us immediately by telephone or address indicated in writing. See section A “How to Contact Us/Loss of your Device and/or Security Codes”this agreement.

Your Liability for Unauthorized Transfers. You must tell Immediately following your discovery of an unauthorized Transfer Instruction, you shall notify us AT ONCE if you believe any of your account credentials or your password(sin the manner set forth in Section 12 (Notices to Us Regarding the Account to Account Transfer Service) have been compromised, or if you believe that a Transfer Transaction has been made without your permission. Telephoning is the best way of keeping your possible losses downabove. You could lose all acknowledge and agree that time is of the money essence in your Funding Account, plus the maximum amount of your Bankoh CoverCheck or overdraft protection planssuch situations. If you tell us within 2 two (2) Business Days after you learn of discover your password or other means to access your account through which you access the loss Account to Account Transfer Service has been lost or theft of stolen, your password, you can lose liability is no more than $50 if 50.00 should someone used access your account and/or password to initiate a Transfer Transaction without your permission. If you do NOT not tell us within 2 two (2) Business Days after you learn of the such loss or theft of your passwordtheft, and we can prove that we could have stopped someone from using prevented the unauthorized use of your password without or other means to access your permission account if you had told us, you could lose be liable for as much as $500500.00. Also, if If your Account monthly financial institution statement shows a Transfer Transaction contains transfers that you did not makeauthorize, you must tell us at once. If you do not tell us within 60 sixty (60) days after the statement was mailed or delivered 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 we can prove that we could have stopped someone from taking the money if had you had told us in time. If a good reason (such as a long trip or a hospital stay) kept prevented you from telling us, we will may in our sole discretion extend the time periodsperiod. If you believe your account and/or password has been compromised, or if you believe To the extent an electronic fund unauthorized transfer has been is made without your permission using information from your account (to a like-titled account at another financial institution in your name, such a transfer will not be considered a loss or theft to the extent that you retained control and routing number information), you must tell us ownership of such funds immediately by telephone or in writing. See section A “How to Contact Us/Loss of your Device and/or Security Codes”following the transfer from Hingham.

Your Liability for Unauthorized Transfers. You must tell Tell us AT ONCE if you believe any of your account credentials Card or your password(s) have code has been compromisedlost or stolen, or if you believe that a Transfer Transaction an electronic fund transfer has been made without your permissionpermission using information from your Card. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your Funding Card Account, plus the maximum amount of your Bankoh CoverCheck or overdraft protection plans. If you tell us within 2 Business Days business days after you learn of the loss or theft of your passwordtheft, you can lose no more than $50 if someone used your account and/or password to initiate a Transfer Transaction Card or Card Account without your permission. If you do NOT tell us within 2 Business Days business days after you learn of the loss or theft of your passwordCard or code, and we can prove we could have stopped someone from using your password Card or code without your permission if you had told us, you could lose as much as $500. Also, if your Account statement electronic history shows a Transfer Transaction transfers that you did not make, you must including those made by Card, code or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed earlier you accessed your Card Account or delivered the date, we FIRST sent a written transaction history to youyou (if applicable), you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If Under Visa Core Rules, your liability for unauthorized Visa debit transactions on your Card Account is $0.00 if you believe are not negligent or fraudulent in the handling of your account and/or password Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa, or to anonymous prepaid cards (until such time as the identity of the cardholder has been compromised, or if you believe an electronic fund transfer has been made without your permission using information from your account (account and routing number informationregistered with us), you . You must tell notify us immediately by telephone or in writing. See section A “How to Contact Us/Loss of your Device and/or Security Codes”any unauthorized use.

Your Liability for Unauthorized Transfers. You must tell Tell us AT ONCE if you believe any of your account credentials Card has been lost or your password(s) have been compromised, stolen or if you believe that a Transfer Transaction has been made without think your permissionPIN is no longer secure or confidential. Telephoning is the best way of keeping your possible losses down. You could lose all the money in on your Funding Account, plus the maximum amount of your Bankoh CoverCheck or overdraft protection plansCard. If you tell us within 2 Business Days two business days after you learn of the loss or theft of your passwordCard or PIN, you can lose no more than $50 if someone used your account and/or password to initiate a Transfer Transaction Card or PIN without your permission. If you do NOT tell us within 2 Business Days two business days after you learn of the loss or theft of your passwordCard or PIN, and we can prove we could have stopped someone from using your password Card or PIN without your permission if you had told us, you could lose as much as $500. Also, if your Account statement Card transaction history shows a Transfer Transaction transfers that you did not make, you must tell us at once. If you do not tell us within 60 days after the statement was mailed earlier of the date you accessed your Card transaction history on which the transaction appeared, or delivered to youthe date we sent the FIRST written history on which the transaction appeared (but in either case not later than 120 days after the Card transaction posted), you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will may extend the these time periods. If you believe your account and/or password Card has been compromised, lost or stolen or if you believe an electronic fund think your PIN is no longer secure or confidential or that someone has transferred or may transfer has been made money from your Card without your permission using information from permission, call: 0-000-000-0000 or write: P.O. Box 738, Marietta, OH, 45750-0738. We may have to deactivate or close your account (account Card. We reserve the right to investigate any claim you may make with respect to a lost or stolen Card or PIN, and routing number information), you must tell us immediately by telephone or in writingagree to cooperate with such investigation. See section A “How to Contact Us/Loss of your Device and/or Security Codes”You may have additional rights under the Payment Network’s rules.

Your Liability for Unauthorized Transfers. You must tell If you permit other persons to use Payments and Transfers or your Password, you are responsible for any transactions they authorize from your accounts. If you believe that your Password has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, notify us AT ONCE, by calling 1-877- 000-0000 or writing us at Online Customer Service, P. O. Xxx 0000, Xxxxxxx, XX 00000- 9968. Tell us AT ONCE if you believe your Password has been lost or stolen or that an unauthorized online transfer has been made from any of your account credentials deposit or your password(s) have been compromised, or if you believe that a Transfer Transaction has been made without your permissionprepaid accounts. Telephoning us is the best and fastest way of keeping your possible losses downto a minimum. You If you do not do so, you could lose all the money in your Funding Accounteach of the accounts, plus as well as all of the maximum amount of your Bankoh CoverCheck or available funds in any overdraft protection plansaccount or any other credit line included among your accounts. If you tell us within 2 two (2) Business Days after you learn of discover the loss or theft, you are completely covered if someone makes a transfer without your authorization. If you do not tell us within two (2) Business Days after you discover the loss or theft of your password, you can lose no more than $50 if someone used your account and/or password to initiate a Transfer Transaction without your permission. If you do NOT tell us within 2 Business Days after you learn of the loss Password or theft that an unauthorized online transfer has been made from any of your passworddeposit or prepaid accounts, and we can prove we could have stopped someone from using your password making a transfer without your permission authorization if you had told us, you could lose as much as $500. AlsoFurthermore, if your Account any account statement shows a Transfer Transaction online transfers that you did not make, you must tell us at onceAT ONCE. If you do not tell us within 60 sixty (60) days after the a statement showing such a transfer was mailed or delivered transmitted to you, you may not get back any money you lost after the 60 sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (reason, such as a long trip or hospital stay) , kept you from telling us, we will extend the time periods. If you believe your account and/or password has been compromised, or if you believe an electronic fund transfer has been made without your permission using information from your account (account and routing number information), you must tell us immediately by telephone or in writing. See section A “How to Contact Us/Loss of your Device and/or Security Codes”.periods.‌

Your Liability for Unauthorized Transfers. You must tell This section applies only to consumer accounts. Tell us AT ONCE if you believe that your password or any other of your account access credentials has been lost or your password(s) have been stolen or otherwise compromised, or if you believe that a Transfer Transaction an electronic fund transfer has been made without your permission using information from your check, that someone may otherwise attempt to use the Service without your consent, or that someone has transferred money without your permission. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your Funding Account, plus the maximum amount of your Bankoh CoverCheck or overdraft protection plansCall 000-000-0000. If you tell us within 2 two (2) Business Days after you learn of the loss discover your password or theft of other means to access your passwordaccount has been lost or stolen, you can lose your liability is no more than $50 if 50.00 should someone used access your account and/or password to initiate a Transfer Transaction without your permission. If you do NOT tell us within 2 two (2) Business Days after you learn of the such loss or theft of your passwordtheft, and we can prove that we could have stopped someone from using prevented the unauthorized use of your password without or other means to access your permission account if you had told us, you could lose be liable for as much as $500500.00. Also, if If your periodic statement for a Payment Account statement shows a Transfer Transaction or Billing Account contains transfers that you did not makeauthorize, you must tell us at once. If you do not tell us within 60 sixty (60) days after the statement was mailed or delivered 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 we can prove that we could have stopped someone from taking the money if had you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will may extend the time periods. If you believe your account and/or password has been compromised, or if you believe an electronic fund transfer has been made without your permission using information from your account (account and routing number information), you must tell us immediately by telephone or in writingperiod. See section A “How to Contact Us/Loss of your Device and/or Security Codes”deposit account agreement for additional information.

Your Liability for Unauthorized Transfers. You must tell Contact us AT ONCE if you believe any of your account credentials Card, PIN or your password(s) have Account number has been compromisedlost, or stolen or if you believe that a Transfer Transaction an electronic funds transfer has been made without your permission. Telephoning us at 0-000-000-0000 is the best way of keeping to minimize your possible losses downlosses. You could lose all the money in your Funding Account. You agree that any unauthorized use does not include use by a person to whom you have given authority to use or access your Card, plus the maximum amount of your Bankoh CoverCheck PIN or overdraft protection plansAccount number and that you will be liable for all such uses and funds transfers by such person(s). If you tell notify us within 2 Business Days two (2) business days after you learn of the loss or theft of your passwordCard, PIN, or Account number, you can lose no more than $50 50.00 if someone used your account and/or password to initiate a Transfer Transaction Card, PIN, or Account number without your permission. If you do NOT tell notify us within 2 Business Days two (2) business days after you learn of the loss or theft of your passwordCard, Account number or PIN and we can prove that we could have stopped someone from using your password Account without your permission if you had told promptly notified us, you could lose as much as $500500.00. Also, if your Account statement shows a Transfer Transaction transactions that you did not make, you must tell us including those made by card, code or other means, notify MoCaFi at onceonce following the procedures stated in the section labeled "Information About Your Right to Dispute Errors". If you do not tell notify us within 60 sixty (60) days after the statement was mailed or delivered made available to you, you may not get back any money you lost after the 60 sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told provided us notice in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If you believe your account and/or password has been compromised, or if you believe an electronic fund transfer has been made without your permission using information from your account (account and routing number information), you must tell us immediately by telephone or in writing. See section A “How to Contact Us/Loss of your Device and/or Security Codes”.

Your Liability for Unauthorized Transfers. You must tell Tell us AT ONCE if you believe any of your account credentials Card, PIN or your password(s) have Account number has been compromisedlost or stolen, or if you believe that a Transfer Transaction an electronic fund transfer has been made without your permission. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your Funding Account, plus the maximum amount of your Bankoh CoverCheck or overdraft protection plansaccount. If you tell us within 2 Business Days after you learn of the loss or theft of your passwordCard, PIN or Account number, you can lose no more than $50 if someone used your account and/or password to initiate a Transfer Transaction 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 passwordCard, PIN or Account number, and we can prove we could have stopped someone from using your password Card, PIN or Account number without your permission if you had told us, you could lose as much as $500. Also, if your Account statement shows a Transfer Transaction transfers that you did not make, you must including those made by card, code or other means, tell us at once. If you do not tell us within 60 sixty (60) days after the Account statement was mailed or delivered electronically provided to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. Contact in event of unauthorized transfer. If you believe your account and/or password Card, PIN or Account number has been compromisedlost or stolen, or if you believe an electronic fund transfer call: 000-000-0000. If your Card has been made without your permission using information from your account (account and routing number information), you must tell lost or stolen please notify us immediately by telephone or in writingand we will inactivate your Card and send you the first replacement Card at no charge. See section A “How There is a fee for each subsequent replacement Card. Please refer to Contact Us/Loss the paragraph of this Agreement captioned "Fee Schedule" above. In some cases, we may close your Device and/or Security Codes”Account to keep losses down. Upon your request, we may provide you with a replacement Card.

Your Liability for Unauthorized Transfers. You must tell Tell us AT ONCE if you believe your password has been lost or stolen or that an unauthorized online transfer has been made from any of your account credentials or your password(s) have been compromised, or if you believe that a Transfer Transaction has been made without your permissiondeposit accounts. Telephoning us is the best and fastest way of keeping your possible losses downto a minimum. You could lose all the money in the Accounts, (plus your Funding Accountmaximum overdraft Line of Credit, plus the maximum amount of your Bankoh CoverCheck or overdraft protection plansif you have one with us). If you tell us within 2 Business Days two (2) business days after you learn of discover the loss or theft of your passwordtheft, you can lose may be liable for no more than $50 50, if someone used accesses your account and/or password to initiate a Transfer Transaction Account without your permission. If you do NOT not tell us within 2 Business Days two (2) business days after you learn of discover the loss or theft of your passwordpassword or that an unauthorized online transfer has been made from any of your deposit Accounts, and we can prove we could have stopped someone from using your password making a transfer without your permission authorization if you had told us, you could lose as much as $500. AlsoFurthermore, if your any Account statement shows a Transfer Transaction online transfers that you did not make, you must tell us at onceAT ONCE. If you do not tell us within 60 sixty (60) days for a transfer from your Account after the a statement showing such a transfer was mailed or delivered to youtransmitted, you may not get back any money you lost after the 60 sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or hospital stay) kept you from telling usyour delay in notifying the Credit Union was due to extenuating circumstances, we will shall extend the time periodstimes above to a reasonable period. If you believe have authorized someone else to use of your account and/or password has been compromised, or if you believe an electronic fund transfer has been made without your permission using information from your account (account and routing number information)password, you must tell us immediately by telephone are responsible for all transactions that person or in writing. See section A “How to Contact Us/Loss of your Device and/or Security Codes”persons initiates at any time, even if the amount or transactions exceed what you may have authorized.

Your Liability for Unauthorized Transfers. You must tell Tell us AT ONCE if you believe any of that your account credentials password has been lost or your password(s) have been compromisedstolen, or if you believe that a Transfer Transaction transfer has been made without your permission. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your Funding Accountaccount (plus your maximum overdraft line of credit). Except for transfers to or from brokerage accounts, plus the maximum amount your liability for an unauthorized transfer or a series of your Bankoh CoverCheck or overdraft protection plans. related unauthorized transfers will be determined as follows: • If you tell us within 2 two Business Days after you learn of the loss or theft of your password, you can lose no more than $50 if someone used your account and/or password to initiate a Transfer Transaction without your permission. • If you do NOT tell us within 2 two Business Days after you learn of the loss or theft of your password, and we can prove we could have stopped someone from using your password without your permission if you had told us, you could lose as much as $500. • Also, if your Account periodic statement shows a Transfer Transaction transfers that you did not make, you must including those made by using your password, tell us at once. If you do not tell us within 60 days after the statement was mailed made available or delivered transmitted to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the your money if you had told us in on time. • If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If you believe your account and/or password has been compromisedYou may notify us in person, by telephone, by email during a secure session using the appropriate form, or in writing at: • 0-000-000-0000 • Umpqua Bank, X.X. Xxx 0000 Xxxxxxxx, XX 00000 You can send a secure message to Umpqua Bank Online Customer Service by filling out the appropriate form accessible after signing on with your password to a secure online or mobile banking session. You should also call the number or write to the address listed above if you believe an electronic fund a transfer has been made without your permission using information from your account (account and routing number information), you must tell us immediately by telephone or in writing. See section A “How to Contact Us/Loss of your Device and/or Security Codes”permission.