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. a. Contact us at once if you believe your Card Card, PIN or Account number has been lost or stolen. Telephoning is the best way to minimize your possible losses. If you believe your Card Card, PIN or Account number 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(000) 000-0000. Under Visa Core Rules, your liability for unauthorized Visa debit transactions on your Card Account is $0.00 if you are not 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 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 the Card, PIN or Account number without your permission. If you do not notify us within two (2) business days after you learn of the loss or theft of your Card Card, Account number or PIN and we can prove that we could have stopped someone from using your Card Account without your permission if you had promptly notified us, you could lose as much as $500.00. b. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions made with the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. c. Also, if you become aware of and/or your statement shows transactions that you did not make, notify us at once following the procedures stated in the below sub-section captioned “Information About Your

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 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 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” or visit xxx.xxxxxxx.xxxxxx.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” or visit xxx.xxxxxxx.xxx. Under Uflder Visa Core Rules, your liability for unauthorized uflauthorized Visa debit transactions on traflsactiofls ofl your Card Account Accouflt is $0.00 if you are not negligent flot flegligeflt or fraudulent in frauduleflt ifl the handling hafldliflg of your Card. This reduced liability does not flot apply to certain certaifl commercial card transactionstraflsactiofls, transactions not traflsactiofls flot processed by Visa, or to anonymous afloflymous prepaid cards (until ufltil such time as the identity idefltity of the cardholder has been beefl 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 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 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 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