Common use of Your Liability for Unauthorized Transfers Clause in Contracts

Your Liability for Unauthorized Transfers. Contact us at once if you believe your Card has been lost or stolen. Telephoning is the best way to minimize your possible losses. If you believe your Card has been lost or stolen, or that someone has transferred or may transfer money from your Card Account without your permission, call Cardholder Services at the telephone number located on the “List of All Fees” or visit xxx.xxxxxxx.xxx. Under Visa Core Rules, your liability for unauthorized Visa debit transactions on your Card Account is $0.00 if you are not negligent or fraudulent in the handling of your Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa, or to anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us). You must notify us immediately of any unauthorized use. In the event the Visa Zero Liability Rules do not apply, if you notify us within two (2) business days after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used your Card without your permission. If you do not notify us within two (2) business days after you learn of the 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 could lose as much as $500.00.

Your Liability for Unauthorized Transfers. Contact us at once AT ONCE if you believe your Card or PIN has been lost or stolen; used for any unauthorized transactions; or if you believe that an electronic fund transfer has been made without your permission. Telephoning is the best way to minimize your possible losses. If you believe your Card or PIN has been lost or stolen, or that someone has transferred or may transfer money from your Card Account without your permission, call Cardholder Services us at the telephone number located on the “List of All Fees” or visit xxx.xxxxxxx.xxx. Under Visa Core Rules, your liability for unauthorized Visa debit transactions on your Card Account is $0.00 if you are not negligent or fraudulent in the handling of your Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa, or to anonymous prepaid cards 1-86-NETSPEND (until such time as the identity of the cardholder has been registered with us0-000-000-0000). You must notify us immediately of any unauthorized use. In the event the Visa Zero Liability Rules do not apply, if If you notify us within two (2) business days after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used your Card or PIN without your permission. If you do not notify us within two (2) business days after you learn of the loss or theft of your Card or PIN and we can prove that we could have stopped someone from using your Card or PIN without your permission if you had promptly notified us, you could lose as much as $500.00. Also, if you become aware of and/or your electronic history shows transactions that you did not make, including those made with your Card or other means, notify us at once following the procedures described below concerning your right to dispute errors. If you do not notify us in writing within sixty (60) calendar 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) calendar 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 Account. If your Card or PIN has been lost or stolen, we will close your Card Account to keep losses down.

Your Liability for Unauthorized Transfers. Contact us at once if you believe your Card has been lost or stolen. Telephoning is the best way to minimize your possible losses. If you believe your Card has been lost or stolen, or that someone has transferred or may transfer money from your Card Account without your permission, call Cardholder Services us at the telephone Customer Service number located on the “List of All Fees” or visit xxx.xxxxxxx.xxxabove. Under Visa Core RulesAlso, your liability for unauthorized Visa debit transactions on your Card Account is $0.00 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 not grossly negligent or fraudulent in the handling of your Card. This reduced liability does not apply to certain commercial card transactionsIf a good reason (such as a long trip or a hospital stay) kept you from telling us, transactions not processed by Visa, or to anonymous prepaid cards (until such we will extend the time as the identity of the cardholder periods. If your Card has been registered with us). You must lost or stolen please notify us immediately of any unauthorized use. In the event the Visa Zero Liability Rules do not apply, if you notify us within two (2) business days after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used your Card without your permission. If you do not notify us within two (2) business days after you learn of the loss or theft of and we will inactive your Card and send you a replacement Card at no charge. In some cases, we can prove that we could have stopped someone from using may close your Card without Account to keep losses down. Upon your permission if request, we may provide you had promptly notified us, you could lose as much as $500.00with a replacement Card Account.

Your Liability for Unauthorized Transfers. Contact us at once if you believe your Card has been lost or stolen. Telephoning is the best way to minimize your possible losses. If you believe your Card has been lost or stolen, or that someone has transferred or may transfer money from your Card Account without your permission, call Cardholder Services at the telephone number located on the “List of All Fees” 000-000-0000 or visit xxx.xxxxxxx.xxxxxx.xxxx.xxx. Under Visa Core Rules, your liability for unauthorized Visa debit transactions on your Card Account is $0.00 if you are not negligent or fraudulent in the handling of your Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa, or to anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us). You must notify us immediately of any unauthorized use. In the event the Visa Zero Liability Rules do not apply, if you notify us within two (2) business days after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used your Card without your permission. If you do not notify us within two (2) business days after you learn of the 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 could lose as much as $500.00.

Your Liability for Unauthorized Transfers. Contact Tell us at once AT ONCE if you believe your Card or PIN has been lost or stolen. Telephoning us at 1-888-SYNOVUS (796-6887) is the best way to minimize of keeping your possible losseslosses down. You could lose all the money in your Card Account. If you believe your Card has been lost or stolen, or that someone has transferred or may transfer money from your Card Account without your permission, call Cardholder Services at the telephone number located on the “List of All Fees” or visit xxx.xxxxxxx.xxx. Under Visa Core Rules, your liability for unauthorized Visa debit transactions on your Card Account is $0.00 if you are not negligent or fraudulent in the handling of your Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa, or to anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us). You must notify us immediately of any unauthorized use. In the event the Visa Zero Liability Rules do not apply, if you notify us within two (2) business days after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used your Card without your permission. If you do not notify tell us within two (2) business days after you learn of the loss or theft of your Card or PIN, you can lose no more than $50 if someone used your Card or PIN without your permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your Card or PIN, and we can prove that we could have stopped someone from using your Card or PIN without your permission if you had promptly notified told us, you could lose as much as $500.00.500. 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 such uses by such person. Also, if your electronic account transaction history shows transactions that you did not make, including those made by Card, PIN or other means, tell us at once. If you do not tell us within 60 days after the earlier of (i) the date you electronically access your Card Account information at xxxxxxxxxxxxxxxxxx.xxx, if the unauthorized transaction could be viewed in your electronic history, or

Your Liability for Unauthorized Transfers. a. Contact us at once if you believe your the Card has been lost or stolenstolen or otherwise compromised. Telephoning is the best way to minimize your possible losses. If you believe your the Card has been lost or stolen, or that someone has transferred or may transfer money from used your Card Account without your permission, call Cardholder Services at the telephone number located on the “List of All Fees” or visit xxx.xxxxxxx.xxx000-000-0000. Under Visa Core Mastercard Rules, your liability you will not be held responsible for unauthorized Visa debit transactions on if you have used reasonable care in protecting your Card Account is $0.00 if from loss or theft and you are not negligent have promptly reported to us when you knew that your Card was lost or fraudulent in the handling of stolen or used without your Cardpermission. This reduced liability Zero Liability does not apply to certain Mastercard payment cards that are used for commercial card transactions, transactions not processed by Visapurposes, or to anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us). You must notify us immediately of any PayPal will protect you from unauthorized useactivity in your PayPal account, as provided in the PayPal User Agreement. See PayPal User Agreement for details. In the event the Visa that Mastercard Zero Liability Rules do does not apply, if you notify us within two (2) business days after you learn of any unauthorized transactions, you can lose no more than $)50.00 if someone used your Card without your permission. If you do not notify us within two (2) business days after you learn of the loss or theft or compromise of your Card and we can prove that we could have stopped someone from using your Card without your permission if you had promptly notified us, you could lose as much as $)500.00.

Your Liability for Unauthorized Transfers. Contact It is your obligation to immediately notify us at once if you believe your Card card or PIN has been lost or stolen. Telephoning is the best way to minimize of minimizing your possible losses. If you believe your Card has been lost or stolen, or that someone has transferred or may transfer money from your Card Account without your permission, call Cardholder Services at the telephone number located on the “List of All Fees” or visit xxx.xxxxxxx.xxx. Under Visa Core Rules, your liability for unauthorized Visa debit transactions on your Card Account is $0.00 if you are not negligent or fraudulent in the handling of your Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa, or to anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us). You must notify us immediately of any unauthorized use. In the event that you fail to notify us that your &Rewards Debit Card or PIN is lost, stolen or compromised, you could lose all the Visa Zero Liability Rules do not apply, if money in your account (plus your maximum overdraft line of credit). If you notify us within two (2) 4 business days after of the loss or theft of your card or PIN, your loss will not exceed $50. If you learn do NOT notify us within 4 business days of any unauthorized transactionsthe loss or theft of your card PIN, and we can prove we could have stopped someone from using your card or PIN without your permission had you notified us in a timely manner, you can could lose no more than as much as $50.00 500. Additionally, if someone used the periodic statement provided by your financial institution holding your account shows transfers made with your &Rewards Debit Card without or through the use of your permissionUser ID or PIN that you did not make, notify us at once. If you do not notify us within two (2) business 90 days after you learn of the loss or theft of your Card and statement was made available to you, then may not receive any money lost, if we can prove demonstrate that we could have stopped someone from using your Card without your permission if taking the money, had you had promptly notified usus in a timely manner. We may, you could lose as much as $500.00in our sole and absolute discretion, extend the grace period in the prior sentence, upon good cause shown.

Your Liability for Unauthorized Transfers. Contact us at once if you believe your Card has been lost or stolen. Telephoning is the best way to minimize your possible losses. If you believe your Card has been lost or stolen, or that someone has transferred or may transfer money from your Card Account without your permission, call Cardholder Services at the telephone number located on the “List of All Fees” or visit xxx.xxxxxxx.xxxwww. xxxxxxxxxxx.xxx. Under Visa Core Rules, your liability for unauthorized Visa debit transactions on your Card Account is $0.00 if you are not negligent or fraudulent in the handling of your Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa, or to anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us). You must notify us immediately of any unauthorized use. In the event the Visa Zero Liability Rules do not apply, if you notify us within two (2) business days after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used your Card without your permission. If you do not notify us within two (2) business days after you learn of the 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 could lose as much as $500.00.

Your Liability for Unauthorized Transfers. Contact us at once if you believe your Card has been lost or stolen. Telephoning is the best way to minimize your possible losses. If you believe your Card has been lost or stolen, or that someone has transferred or may transfer money from your Card Account without your permission, call Cardholder Services at the telephone number located on the “List of All Fees” 0-000-000-0000 or visit xxx.xxxxxxx.xxxXxXxxxxxxXxxx.xxx. Under Visa Core Rules, your liability for unauthorized Visa debit transactions on your Card Account is $0.00 if you are not grossly negligent or fraudulent in the handling of your Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa, or to anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us). You must notify us immediately of any unauthorized use. In the event the Visa Zero Liability Rules do not apply, if you notify us within two (2) business days after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used your Card without your permission. If you do not notify us within two (2) business days after you learn of the 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 could lose as much as $500.00.. Also, if you become aware of and/or your statement/transaction history shows transactions that you did not make, notify us at once following the procedures stated in the paragraph labeled “Information About Your

Your Liability for Unauthorized Transfers. Contact Notify us at once AT ONCE if you believe your Card or PIN, Online Banking password or APS PIN has been lost or stolenstolen or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning Calling is the best way to minimize of keeping your possible losseslosses down. If your Debit Card is lost or stolen, your liability for unauthorized signature-based Visa transactions with the Debit Card after you notify us, is zero ($0). The Visa zero liability limit does not apply if you were grossly negligent or fraud ulent in the handling of your VISA Debit Card, including failure to report loss or theft in a timely manner. If we determine that the un authorized use situation involving your Debit Card is not covered by the Visa zero liability limit or if the un authorized use involves your ATM Card or other EFT Services, your liability is determined under this paragrap h. You could lose all the money in your Account (plus your maximum overdraft LOC and/or funds in your overdraft protection target source[s], if you have them). If you believe your Card or PIN, or APS or Online Banking PIN or password has been lost or stolen, or that someone has transferred or may transfer money from your Card Account without your permission, call Cardholder Services at the telephone number located on the “List of All Fees” or visit xxx.xxxxxxx.xxx. Under Visa Core Rules, your liability for unauthorized Visa debit transactions on your Card Account is $0.00 if and you are not negligent or fraudulent in the handling of your Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa, or to anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us). You must notify us immediately of any unauthorized use. In the event the Visa Zero Liability Rules do not apply, if you notify us within two (2) business days after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used your Card without your permission. If you do not notify tell us within two (2) business days after you learn of the loss or theft of theft, you can lose no more than $50 if someone used your Card and we can prove that we could have stopped someone from using your Card Card, PIN or password without your permission if permission. If you had promptly notified us, you could lose as much as $500.00.do NOT tell us within two

Your Liability for Unauthorized Transfers. Contact us at once if you believe your Card has been lost or stolen. Telephoning is the best way to minimize your possible losses. If you believe your Card has been lost or stolen, or that someone has transferred or may transfer money from your Card Account without your permission, call Cardholder Services at the telephone number located on the “List of All Fees” 0-000-000-0000 or visit xxx.xxxxxxx.xxxXxXxxxxxxXxxx.xxx. Under Visa Core Mastercard Rules, your liability you will not be held responsible for unauthorized Visa debit transactions on if you have used reasonable care in protecting your Card Account is $0.00 if from loss or theft and you are not negligent have promptly reported to us when you knew that your Card was lost or fraudulent in the handling of your Cardstolen. This reduced liability Zero Liability does not apply to certain Mastercard payment cards that are used for commercial card transactions, transactions not processed by Visapurposes, or to anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us). You must notify us immediately of any unauthorized use. In the event the Visa that Mastercard Zero Liability Rules do does not apply, if you notify us within two (2) business days after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used your Card without your permission. If you do not notify us within two (2) business days after you learn of the loss or theft of your Card and we can prove that we could have stopped someone from using your Card without your permission if you had promptly notified us, you could lose as much as $500.00.. Also, if you become aware of and/or your statement/transaction history shows transactions that you did not make, notify us at once following the procedures stated in the paragraph labeled “Information About Your

Your Liability for Unauthorized Transfers. Contact us at once if you believe your Card has been lost or stolen. Telephoning is the best way to minimize your possible losses. If you believe your Card has been lost or stolenstolen or otherwise compromised, or that someone has transferred or may transfer money from used your Card Account without your permission, immediately disable it through the PayPal app and call Cardholder Services PayPal at 000-000-0000. You may also email PayPal at xxxxxxxxxxx@xxxxxx.xxx. We may suspend or cancel your Debit Card and/or corresponding Card Account in the telephone number located on the “List event of All Fees” excessive reports of card loss or visit xxx.xxxxxxx.xxxtheft. PayPal may also cancel any Debit Card that has been disabled for sixty (60) days or longer. Under Visa Core Mastercard Rules, your liability you will not be held responsible for unauthorized Visa debit transactions on your Card Account is $0.00 if you are not negligent have used reasonable care in protecting your Debit Card from loss or fraudulent in the handling of theft and you have promptly reported to us when you knew that your CardDebit Card was lost or stolen or used without your permission. This reduced liability Zero Liability does not apply to certain the Mastercard payment cards that are used for commercial card transactionspurposes, transactions not processed by Visaincluding the following: commercial cards, or to anonymous unregistered prepaid cards (until such time as the identity of the cardholder has been registered with us). You must notify us immediately of any unauthorized use. In the event the Visa that Mastercard Zero Liability Rules do does not apply, if you notify us PayPal within two (2) business days after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used your Debit Card without your permission. If you do not notify us within two (2) business days after you learn of the loss or theft or compromise of your Debit Card and we can prove that we could have stopped someone from using your Debit Card without your permission if you had promptly notified usPayPal, you could lose as much as $500.00. Also, if you become aware of and/or your statement shows transactions you did not make, notify PayPal at once following the procedures stated in Section 20 (Information About Your Right to Dispute Transactions).

Your Liability for Unauthorized Transfers. Contact us at once if you believe your Card has been lost or stolen. Telephoning is the best way w ay to minimize your possible losses. If you believe your Card has been lost or stolen, or that someone has transferred or may transfer money from your fromyour Card Account without your permission, call Cardholder Services at 1-855-403- 8342 (if calling fromoutside the telephone number located on the “List of All Fees” U.S., please call 0-000-000-0000) or visit xxx.xxxxxxx.xxxxxx.xxxxxxxxxx.xxx. Under Visa Core Rules, your liability for unauthorized Visa debit transactions on your Card Account is $0.00 if you are not negligent or fraudulent in the handling of your Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa, or to anonymous prepaid cards (until such time as the identity of the cardholder has been registered with w ith us). You must notify us immediately of any unauthorized use. In the event the Visa Zero Liability Rules do not apply, if you notify us within two (2w ithin tw o(2) business days after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used your Card without w ithout your permission. If you do not notify us within w ithin two (2) business days after you learn of the loss or theft of your Card and we w e can prove that we w e could have stopped someone from using fromusing your Card without w ithout your permission if you had promptly notified us, you could lose as much as $500.00.

Your Liability for Unauthorized Transfers. Contact Tell us at once AT ONCE if you believe your Card has been lost or stolen. Telephoning toll-free at 0-000-000-0000 is the best way to minimize of keeping your possible losseslosses down. You may not be liable for unauthorized use of your Card provided that you notify us within a reasonable time after learning of the loss or theft of your Card. A transaction will be considered unauthorized if it is initiated by someone other than you without your authority, or you receive no benefit from the transaction, or if we do conclude, in our sole discretion, that the facts and circumstances do reasonably support a claim of unauthorized use. Reasonable time will be determined in our sole discretion based on the circumstances but will not be less than 60 days from the transaction date. If you believe your Card has been lost or stolen, or that someone has transferred or may transfer money from we will close your Card Account without your permissionto keep losses down. We reserve the right to investigate any claim you may make with respect to a lost or stolen Card, call Cardholder Services at the telephone number located on the “List of All Fees” and you agree to cooperate with such investigation. We may ask you for a written statement, affidavit or visit xxx.xxxxxxx.xxx. Under Visa Core Rules, your liability for unauthorized Visa debit transactions on your Card Account is $0.00 if you are not negligent or fraudulent other information in the handling of your Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa, or to anonymous prepaid cards (until such time as the identity support of the cardholder has been registered with us)claim. You must notify us immediately of any unauthorized use. In the event the Visa Zero Liability Rules do not applyAlso, if your transaction history shows transactions that you notify did not make, tell us within two (2) business days after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used your Card without your permissionat once. If you do not notify tell us within two (2) business 60 days after the transaction history was made available to you, you learn of may not get back any money you lost after the loss or theft of your Card and 60 days if we can prove that we could have stopped someone from using your Card without your permission making the unauthorized transaction if you had promptly notified us, told us in time. Our liability is limited to reimbursing you could lose as much as $500.00for the face amount of any unauthorized transaction.