Common use of Your Liability for Unauthorized Transfers Clause in Contracts

Your Liability for Unauthorized Transfers. You agree to exercise reasonable control over your PIN(s) (“Access Code(s)”); user ID(s); and password(s) and any other access code related to your Card Account (each, an “Access Code") and your Card. Tell us AT ONCE if you believe your Card or Access Code(s) has been lost or stolen. Also, if your transaction history shows transfers that you did not make, including those made with your Card, Card Number or Account Number, or you believe an electronic transfer has been made without your permission, tell us at once. Telephoning the toll-free number on the back of your Card, 0-000-000-0000 is the best way of keeping your possible losses down. You could lose all of the money in your Card Account. If you tell us within two (2) business days after you learn of the loss or theft of your Card, you can lose no more than $50.00 if someone used your Card without your permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your Card, and we can prove that we could have stopped someone from using your Card without your permission if you had told us, you could lose as much as $500.00. If you do not tell us within sixty (60) days after the earlier of the date you electronically access your Card Account or the date we sent the FIRST written history on which the error appeared, you may not get back any money you lost after the 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, documented, reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.

Your Liability for Unauthorized Transfers. You When you use your card or authorize anyone else to use your card, you agree to exercise reasonable control over your PIN(s) (“Access Code(s)”); user ID(s); be bound by the provisions of this Agreement, to be responsible for all authorized transfers, withdrawals and password(s) transactions made by use of the card, and any other access code related to your Card Account (each, an “Access Code") and your Cardbe responsible for unauthorized use of the card to the extent permitted by law. Tell us AT ONCE if you believe your Card card or Access Code(s) your PIN has been lost or stolen. Also, if your transaction history shows transfers that you did not make, including those made with your Card, Card Number or Account Number, or if you believe that an electronic fund transfer has been made without your permission, tell us at oncepermission using information from your check. Telephoning the toll-free number on the back of your Card, 0-000-000-0000 is the best way of keeping your possible losses down. You could lose all of the money in your Card Accountaccount, plus the maximum amount of any line of credit (such as a Checkline Reserve or EquityLine) or savings account linked to your account for overdraft protection transfer purposes. If you believe your card or PIN has been lost or stolen, and you tell us within two (2) business days after you learn of the loss or theft, you can lose no more than $50 for unauthorized transactions using your card. If you do NOT tell us within two business days after you learn of the loss or theft of your Card, you can lose no more than $50.00 if someone used your Card without your permission. If you do NOT tell us within two (2) business days after you learn of the loss card or theft of your CardPIN, and we can prove that we could have stopped someone from using your Card card or PIN without your permission if you had told us, you could lose as much as $500.00500 for the unauthor- ized transactions. Losses could include not only the money in your account, but also advances on any credit line associated with your account. Also, if your statement shows transfers 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 sixty (60) 60 days after the earlier of statement documenting the date you electronically access your Card Account or the date we sent the FIRST written history on which the error appearedtransfer was made available to you, you may not get back any money you lost after the sixty (60) 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, documented, good reason (such as a long trip or a hospital stay) kept you from telling us, we will may extend the time periods.

Your Liability for Unauthorized Transfers. You agree to exercise reasonable control over the information related to your PIN(s) (“Card Account, including your Card and Access Code(s)”); user ID(s); and password(s) , and any other access code or device (including the mobile device on which the Revolut mobile application is installed) related to your Card Account (each, an “Access Code") and your Card. Tell us AT ONCE using the Revolut mobile application, by email at xxxxxxx@xxxxxxx.xxx or by calling (000) 000-0000 if you believe your Card or Card, Access Code(s) ), or PIN has been lost or stolen. Also, if your online or written transaction history shows transfers that you did not make, including those made with your Card, Card Number Number, or Card Account Number, or you believe an electronic transfer has been made without your permission, tell us at onceonce using the contact information described above. Telephoning the toll-free number on the back of your Card, 0-000-000-0000 is the The best way of keeping to keep your possible losses downdown is by contacting us at once. You could lose all of the money in your Card Account. If you tell us within two (2) business days Business Days after you learn of the loss or theft of your Card, you can lose no more than $50.00 if someone used your Card without your permission. If you do NOT tell us within two (2) business days Business Days after you learn of the loss or theft of your Card, and we can prove that we it could have stopped someone from using your Card without your permission if you had told us, you could lose as much as $500.00. Also, if your statement shows transfers that you did not make, including those made by your Card, Access Code(s), or other means, tell us at once as described above. If you do not tell us within sixty (60) days after the earlier of the date you electronically access your Card Account or the date we sent the FIRST written history on which the error appearedstatement was made available to you, you may not get back any money you lost after the sixty (60) 60 days if we can prove that we it could have stopped someone from taking the money if you had told us in time. If a good, documented, documented reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. Your liability for use of your Card without your permission may be lower than described above. If your Card is a Mastercard card, you will not be held responsible for unauthorized transactions processed by Mastercard if you have used reasonable care in protecting your Card from loss or theft and you promptly reported the loss or theft to us. If your Card is a Visa Card, you will not be held responsible for unauthorized transactions processed by Visa if you use care in protecting your Card and notify us immediately of any unauthorized use. This section concerns only your liability for unauthorized transfers as that term is defined by the Electronic Fund Transfer Act and regulations thereunder.

Your Liability for Unauthorized Transfers. You agree to exercise reasonable control over your PIN(s) (“Access Code(s)”); user ID(s); use the Card, PIN, ----------------------------------------- ATMs, POS network and password(s) and any other access code related to your Card Account (each, an “Access Code") and your Cardauthorized services or products only for the purposes outlined in this Agreement. Tell You must tell us AT ONCE immediately if you ----------- believe your Card or Access Code(s) has been lost or lost, stolen. Also, if your transaction history shows transfers that you did not make, including those made with your Card, Card Number or Account Number, or you believe an electronic transfer if someone has been made without possibly learned your permission, tell us at oncePIN. Telephoning the toll-free number on the back of your Card, 0-000-000-0000 us is the best way of keeping your possible losses downto a minimum. You could lose all of the money in assigned to your Card Accountaccount. If you tell us within two (2) business days after you learn of the loss or theft of your Carddays, you can lose no more than $50.00 50 if someone used your Card without your permission. If you do NOT not tell us within two tow (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 told us, you could lose as much as $500.00500. Further, if your Card statement shows transfers that you did not make, tell us at once. If you do not tell us within sixty (60) days after the earlier of the date you electronically access your Card Account or the date we sent the FIRST written history on which the error appearedstatement was delivered to you, you may not get back any money you lost after the sixty (60) days 60 days, if we can prove that we could have stopped someone from taking or using the money if you had told us in time. If a good, documented, reason (such as a long trip you need to report discrepancies or a hospital stay) kept you from telling uslost or stolen card, we will extend please call or write either Comdata or the time periods.Bank. Our addresses and telephone numbers are: First American National Bank Comdata Network, Inc. First American Center 5301 Maryland Way Nashville, TN 37238 Brxxxxxxx, XX 00000 (000)000-0000 GENERAL TERMS AND CONDITIONX ----------------------------

Your Liability for Unauthorized Transfers. You agree to exercise reasonable control over your PIN(s) (“Access Code(s)”); user ID(s); use the Card, PIN, ------------------------------------------ ATMs, POS network and password(s) and any other access code related to your Card Account (each, an “Access Code") and your Cardauthorized services or products only for the purposes outlined in this Agreement. Tell You must tell us AT ONCE immediately if you ----------- believe your Card or Access Code(s) has been lost or lost, stolen. Also, if your transaction history shows transfers that you did not make, including those made with your Card, Card Number or Account Number, or you believe an electronic transfer if someone has been made without possibly learned your permission, tell us at oncePIN. Telephoning the toll-free number on the back of your Card, 0-000-000-0000 us is the best way of keeping your possible losses downto a minimum. You could lose all of the money in assigned to your Card Accountaccount. If you tell us within two (2) business days after you learn of the loss or theft of your Carddays, you can lose no more than $50.00 50 if someone used your Card without your permission. If you do NOT not tell us within two tow (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 told us, you could lose as much as $500.00500. Further, if your Card statement shows transfers that you did not make, tell us at once. If you do not tell us within sixty (60) days after the earlier of the date you electronically access your Card Account or the date we sent the FIRST written history on which the error appearedstatement was delivered to you, you may not get back any money you lost after the sixty (60) days 60 days, if we can prove that we could have stopped someone from taking or using the money if you had told us in time. If a good, documented, reason (such as a long trip you need to report discrepancies or a hospital stay) kept you from telling uslost or stolen card, we will extend please call or write either Comdata or the time periods.Bank. Our addresses and telephone numbers are: First American National Bank Comdata Network, Inc. First American Center 5301 Maryland Way Nashville, TN 37238 Xxxxxxxxx, XX 00000 (000)000-0000 GENERAL TERMS AND CONDITIONS ----------------------------

Your Liability for Unauthorized Transfers. You agree will be liable for unauthorized access to exercise reasonable control over your PIN(s) (“Access Code(s)”); user ID(s); accounts via Caribe Online to the extent allowed by applicable federal and password(s) and any other access code related to your Card Account (each, an “Access Code") and your Cardstate law. Tell You must tell us AT ONCE if you believe your Card Member number, or Access Code(s) Logon ID, or any record thereof, has been lost or stolen. Also, if your transaction history shows transfers that you did not make, including those made with your Card, Card Number or Account Number, or you believe an electronic transfer has if any of your accounts have been made accessed without your permission, tell authority. You may telephone us at once. Telephoning the toll-free number on the back of your Card, 0-000-000-0000 0000, E- mail us at xxxx@xxxxxxxxxxxxx.xxx, or mail to Caribe Federal Credit Union Attention: Caribe Online, 000 X’Xxxxx Xxxxxx, Xxx Xxxx XX 00918-2404. Telephoning is the best way of keeping minimizing your possible losses downliability. You could lose all of the money in your Card Accountaccounts, plus your maximum overdraft line-of-credit. If you tell us within two (2) business days after you learn of the loss loss, theft, or theft of your Cardunauthorized access, you can lose no more than $50.00 50 if someone used accessed your Card account without your permission. If you do NOT tell us within two (2) business days after you learn of the loss loss, theft or theft of your Cardunauthorized access, and we can prove that we could have stopped someone from using accessing your Card account without your permission if you had told notified us, you could lose as much as $500.00500. Further, if your statement shows transfers that you did not make, you must tell us at once. If you do not tell us within sixty (60) 60 days after the earlier of the date you electronically access your Card Account or the date we sent the FIRST written history on which the error appearedstatement was mailed to you, you may not get back receive any money you lost after the sixty (60) 60 days if we can prove that we could have stopped someone from taking the money if you had told notified us in time. If a good, documented, good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.

Your Liability for Unauthorized Transfers. You agree to exercise reasonable control over your PIN(s) PIN (“Access Code(s)Code”); user ID(s)ID; and password(s) password and any other access code related to your Card Account (each, an “Access Code") and your Card. Tell us AT ONCE if you believe your Card or Access Code(s) Code has been lost or stolen. Also, if your transaction history shows transfers that you did not make, including those made with your Card, Card Number or Account Number, or you believe an electronic transfer has been made without your permission, tell us at once. Telephoning the toll-toll- free number on the back of your Card, Card or calling 0-000-000-0000 is the best way of keeping your possible losses down. You could lose all of the money in your Card Account. If you tell us within two (2) business days after you learn of the loss or theft of your Card, you can lose no more than $50.00 if someone used your Card without your permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your Card, and we can prove that we could have stopped someone from using your Card without your permission if you had told us, you could lose as much as $500.00. If you do not tell us within sixty (60) days after the earlier of the date you electronically access your Card Account or the date we sent the FIRST written history on which the error appeared, you may not get back any money you lost after the 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, documented, reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.

Your Liability for Unauthorized Transfers. You agree to exercise reasonable control over your PIN(s) (“Access Code(s)”); user ID(s); and password(s) and any other access code related to your Card Account (each, an “Access Code") and your Card. Tell us AT ONCE if you believe your Card or Access Code(s) PIN has been lost or stolen. Also, if Reporting your transaction history shows transfers that you did not make, including those made with your Card, Card Number lost or Account Number, stolen online at xxxxxxxxxxxxxxxx.xxx or you believe an electronic transfer has been made without your permission, tell calling us at once. Telephoning the toll-free number on the back of your Card, 0-(000-) 000-0000 is the best way of keeping your possible losses down. You could lose all of the money in on your Card AccountCard. If you tell us within two (2) business days after you learn of the loss or theft of your CardCard or PIN, you can lose no more than $50.00 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 CardCard or PIN, and we can prove that we could have stopped someone from using your Card or PIN without your permission if you had told us, you could lose as much as $500.00500. (Note: If your Card is a MasterCard Card, you will not be liable for the amounts stated above if: your Card is in good standing; you have not reported more than two incidents of unauthorized use in the preceding 12 months; and you have exercised reasonable care in safeguarding your Card from risk of loss or theft. If your Card is a Visa Card, you will not be liable for the amounts stated above unless we determine that you were grossly negligent or fraudulent in the handling of your Card.) Also, if your on-line or paper transaction history shows transfers that you did not make, including those made by your Card, PIN or other means, tell us at once. If you do not tell us within sixty 60 days after: (60i) days after the earlier of the date you electronically access your Card Account information at xxxxxxxxxxxxxxxx.xxx; or the date (ii) we sent the FIRST provide you with a written history on which the error appearedof your Card transactions, you may not get back any money Card value you lost after the sixty (60) 60 days if we can prove that we could have stopped someone from taking the money Card value if you had told us in time. If a good, documented, good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.

Your Liability for Unauthorized Transfers. You agree to exercise reasonable control over your PIN(s) (“Access Code(s)”); user ID(s); use the Card, PIN, ----------------------------------------- ATMs, POS network and password(s) and any other access code related to your Card Account (each, an “Access Code") and your Cardauthorized services or products only for the purposes outlined in this Agreement. Tell You must tell us AT ONCE immediately if you ----------- believe your Card or Access Code(s) has been lost or lost, stolen. Also, if your transaction history shows transfers that you did not make, including those made with your Card, Card Number or Account Number, or you believe an electronic transfer if someone has been made without possibly learned your permission, tell us at oncePIN. Telephoning the toll-free number on the back of your Card, 0-000-000-0000 us is the best way of keeping your possible losses downto a minimum. You could lose all of the money in assigned to your Card Accountaccount. If you tell us within two (2) business days after you learn of the loss or theft of your Carddays, you can lose no more than $50.00 50 if someone used your Card without your permission. If you do NOT not tell us within two tow (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 told us, you could lose as much as $500.00500. Further, if your Card statement shows transfers that you did not make, tell us at once. If you do not tell us within sixty (60) days after the earlier of the date you electronically access your Card Account or the date we sent the FIRST written history on which the error appearedstatement was delivered to you, you may not get back any money you lost after the sixty (60) days 60 days, if we can prove that we could have stopped someone from taking or using the money if you had told us in time. If a good, documented, reason (such as a long trip you need to report discrepancies or a hospital stay) kept you from telling uslost or stolen card, we will extend please call or write either Comdata or the time periods.Bank. Our addresses and telephone numbers are: First American National Bank Comdata Network, Inc. First American Center 5301 Maryland Way Nashville, TN 37200 Xxxxxxxxx, XX 00000 (800)741-2777 GENXXXX XXXXX XXD CONDITIONS ----------------------------

Your Liability for Unauthorized Transfers. You agree to exercise reasonable control over your PIN(s) PIN (“Access Code(s)Code”); user ID(s)ID; and password(s) password and any other access code related to your Card Account (each, an “Access Code") and your Card. Tell us AT ONCE if you believe your Card or Access Code(s) Code has been lost or stolen. Also, if your transaction history shows transfers that you did not make, including those made with your Card, Card Number or Account Number, or you believe an electronic transfer has been made without your permission, tell us at once. Telephoning the toll-toll- free number on the back of your Card, 0-000-000-0000 Card or calling 0.000.000.0000 is the best way of keeping your possible losses down. You could lose all of the money in your Card Account. If you tell us within two (2) business days after you learn of the loss or theft of your Card, you can lose no more than $50.00 50 if someone used your Card without your permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your Card, and we can prove that we could have stopped someone from using your Card without your permission if you had told us, you could lose as much as $500.00500. If you do not tell us within sixty (60) days after the earlier of the date you electronically access your Card Account or the date we sent the FIRST written history on which the error appeared, you may not get back any money you lost after the 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, documented, reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.

Your Liability for Unauthorized Transfers. You agree to exercise reasonable control over your PIN(s) (“Access Code(s)”); user ID(s); use the Card, PIN, ------------------------------------------ ATMs, POS network and password(s) and any other access code related to your Card Account (each, an “Access Code") and your Cardauthorized services or products only for the purposes outlined in this Agreement. Tell You must tell us AT ONCE immediately if you ----------- believe your Card or Access Code(s) has been lost or lost, stolen. Also, if your transaction history shows transfers that you did not make, including those made with your Card, Card Number or Account Number, or you believe an electronic transfer if someone has been made without possibly learned your permission, tell us at oncePIN. Telephoning the toll-free number on the back of your Card, 0-000-000-0000 us is the best way of keeping your possible losses downto a minimum. You could lose all of the money in assigned to your Card Accountaccount. If you tell us within two (2) business days after you learn of the loss or theft of your Carddays, you can lose no more than $50.00 50 if someone used your Card without your permission. If you do NOT not tell us within two tow (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 told us, you could lose as much as $500.00500. Further, if your Card statement shows transfers that you did not make, tell us at once. If you do not tell us within sixty (60) days after the earlier of the date you electronically access your Card Account or the date we sent the FIRST written history on which the error appearedstatement was delivered to you, you may not get back any money you lost after the sixty (60) days 60 days, if we can prove that we could have stopped someone from taking or using the money if you had told us in time. If a good, documented, reason (such as a long trip you need to report discrepancies or a hospital stay) kept you from telling uslost or stolen card, we will extend please call or write either Comdata or the time periods.Bank. Our addresses and telephone numbers are: First American National Bank Comdata Network, Inc. First American Center 5301 Maryland Way Nashville, TN 37238 Brentxxxx, XX 00000 (000)000-0000 GENERAL TERMS AND CONDITIONS ----------------------------

Your Liability for Unauthorized Transfers. You agree to exercise reasonable control over your PIN(s) (“Access Code(s)”); user User ID(s); and password(sPassword(s) and any other access code related to your Card Account (each, an “Access Code") ); Card(s), and any other item or instrument related to your CardCard account. Tell us AT ONCE if you believe your Card, Access Code or Card or Access Code(s) account has been lost or stolen. Also, if your transaction history shows transfers that you did not make, including those made with your Card, Card Number or Account NumberCard number, or you believe an and electronic transfer has been made without your permission, tell us at once. Telephoning the toll-free number on the back of your Card, 0Card or calling our administrative office at 1-000800-000936-0000 4360 is the best way of keeping your possible losses down. You could lose all of the money in your account. If your Card Account. was obtained through your employer or receives electronic deposits of Federal benefits to your Card, the following provisions of this Section 20 also apply: If you tell us within two (2) business days after you learn of the loss or theft of your Card, you can lose no more than $50.00 if someone used your Card without your permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your Card, and we can prove that we could have stopped someone from using your Card without your permission if you had told us, you your could lose as much as $500.00. If you do not tell us within sixty (60) days after the earlier of the date you electronically access your Card Account account or the date we sent the FIRST written history on which the error appeared, you may not get back any money you lost after the 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, documented, reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.. The following provisions of this Section 20

Your Liability for Unauthorized Transfers. You agree If you permit other persons to exercise reasonable control over use the Service through your PIN(s) (“Access Code(s)”); user ID(s); and password(s) and eligible accounts or your Security Code, including your password, you are responsible for any other access code related to transactions they authorize from your Card Account (each, an “Access Code") and your Cardaccounts. For Consumer Deposit Accounts Only: Tell us AT ONCE if you believe your Card or Access Code(s) security code, including your password, has been lost or stolen. Also, if your transaction history shows transfers that you did not make, including those made with your Card, Card Number or Account Number, or if you believe that an electronic fund transfer has been made without your permission, tell us at once. Telephoning the toll-free number on the back of your Card, 0-000-000-0000 is the best way of keeping your possible losses downdown at (000) 000-0000 or (626) 656- 1109. You could lose all of the money in your Card Accountaccount (plus your maximum overdraft line of credit). If you tell us within two (2) 2 business days after you learn of the loss or theft of your Cardsecurity code, you can lose no more than $50.00 50 if someone used your Card security code without your permission. You can also write us at EverTrust Bank, Attn: Operations Administration, 00000 Xxxxxxxxxx Xxxxxxx Xxxxx, Xxxxx 000, Xxxx xx Xxxxxxxx, XX 00000 or email us at xxxxxxx@xxxxxxxxxxxxx.xxx. If you do NOT tell us within two (2) 2 business days after you learn of the loss or theft of your Cardsecurity code, and we can prove that we could have stopped someone from using your Card security code without your permission if you had told us, you could lose as much as $500.00500. Also, if your statement shows transfers that you did not make, including those made using the security code or other means, tell us at once. If you do not tell us within sixty (60) 60 days after the earlier of the date you electronically access your Card Account or the date we sent the FIRST written history on which the error appearedstatement was mailed to you, you may not get back any money you lost after the sixty (60) 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, documented, good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.

Your Liability for Unauthorized Transfers. You agree to exercise reasonable control over your PIN(s) (“Access Code(s)”); user ID(s); and password(s) and any other access code related to your Card Account (each, an “Access Code") and your Card. Tell Contact us AT ONCE if you believe your Card Card, PIN or Access Code(s) Account number has been lost or stolen. Also, if your transaction history shows transfers that you did not make, including those made with your Card, Card Number or Account Numberlost, or stolen or if you believe that an electronic funds transfer has been made without your permission, tell . Telephoning us at once. Telephoning the toll-free number on the back of your Card, 0-000-000-0000 is the best way of keeping to minimize your possible losses downlosses. You could lose all of the money in your Card Account. You agree that any unauthorized use does not include use by a person to whom you have given authority to use or access your Card, PIN or Account number and that you will be liable for all such uses and funds transfers by such person(s). If you tell notify us within two (2) business days after you learn of the loss or theft of your Card, PIN, or Account number, you can lose no more than $50.00 if someone used your Card Card, PIN, or Account number without your permission. If you do NOT tell notify us within two (2) business days after you learn of the loss or theft of your 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 told promptly notified us, you could lose as much as $500.00. Also, if your statement shows transactions that you did not make, including those made by Card, code or other means, notify MoCaFi at once following the procedures stated in the section labeled "Information About Your Right to Dispute Errors". If you do not tell notify us within sixty (60) days after the earlier of the date you electronically access your Card Account or the date we sent the FIRST written history on which the error appearedstatement was made available to you, you may not get back any money you lost after the 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, documented, good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.

Your Liability for Unauthorized Transfers. You agree to exercise reasonable control over your PIN(s) PIN (“Access Code(s)Code”); user ID(s)ID; and password(s) password and any other access code related to your Card Account (each, an “Access Code") and your Card. Tell us AT ONCE if you believe your Card or Access Code(s) Code has been lost or stolen. Also, if your transaction history shows transfers that you did not make, including those made with your Card, Card Number or Account Number, or you believe an electronic transfer has been made without your permission, tell us at once. Telephoning the toll-free number on the back of your Card, Card or calling 0-000-000-0000 is the best way of keeping your possible losses down. You could lose all of the money in your Card Account. If you tell us within two (2) business days after you learn of the loss or theft of your Card, you can lose no more than $50.00 if someone used your Card without your permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your Card, and we can prove that we could have stopped someone from using your Card without your permission if you had told us, you could lose as much as $500.00. If you do not tell us within sixty (60) days after the earlier of the date you electronically access your Card Account or the date we sent the FIRST written history on which the error appeared, you may not get back any money you lost after the 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, documented, reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.