Common use of Your Liability for Unauthorized Use Clause in Contracts

Your Liability for Unauthorized Use. How much you will have to bear of any loss of money taken from any deposit account of yours in any transfer of funds or payment ordered through Online Banking by an order initiated without your authorization will be determined by applicable law and any agreement between you and us concerning the account or transfers of funds or payments from the account (for example, an agreement governing transfers of funds through an automated clearing house), but: a. EXCEPT TO THE EXTENT REQUIRED BY APPLICABLE LAW, WE WILL NOT BE LIABLE TO YOU FOR ANY LOSS OF MONEY TAKEN FROM THE ACCOUNT IN ANY TRANSFER OF FUNDS OR PAYMENT ORDERED THROUGH ONLINE BANKING BY AN ORDER INITIATED WITHOUT YOUR AUTHORIZATION BY YOUR ADMINISTRATOR, ANY ADDITIONAL USER OR ANYONE ELSE YOUR ADMINISTRATOR OR ANY ADDITIONAL USER ALLOWS TO ANY IDENTIFIER OR TO USE ONLINE BANKING; b. EXCEPT TO THE EXTENT REQUIRED BY APPLICABLE LAW, WE WILL NOT BE LIABLE TO YOU FOR ANY LOSS OF MONEY TAKEN FROM THE ACCOUNT IN ANY TRANSFER OF FUNDS OR PAYMENT ORDERED THROUGH ONLINE BANKING BY AN ORDER INITIATED WITHOUT YOUR AUTHORIZATION UNLESS EACH COMMERCIALLY REASONABLE SECURITY PROCEDURE OFFERED BY US TO YOU IN CONNECTION WITH ONLINE BANKING IS FOLLOWED IN CONNECTION WITH THE GIVING OF THE ORDER TO US TO MAKE THE TRANSFER OR PAYMENT; c. EXCEPT TO THE EXTENT REQUIRED BY APPLICABLE LAW, WE WILL NOT BE LIABLE TO YOU FOR ANY LOSS OF MONEY TAKEN FROM THE ACCOUNT IN ANY TRANSFER OF FUNDS OR PAYMENT ORDERED THROUGH ONLINE BANKING BY AN ORDER INITIATED BY THE USE OF ANY IDENTIFIER WITHOUT YOUR AUTHORIZATION BEFORE WE RECEIVE AND HAVE A REASONABLE TIME TO ACT ON A NOTICE OF THE POSSIBLE UNAUTHORIZED USE OF ANY IDENTIFIER WITHOUT YOUR AUTHORIZATION; d. EXCEPT TO THE EXTENT REQUIRED BY APPLICABLE LAW, WE WILL NOT BE LIABLE TO YOU FOR ANY LOSS OF MONEY TAKEN FROM THE ACCOUNT IN ANY TRANSFER OF FUNDS OR PAYMENT ORDERED THROUGH ONLINE BANKING BY AN ORDER INITIATED WITHOUT YOUR AUTHORIZATION UNLESS WE FAIL TO EXERCISE ORDINARY CARE IN PROCESSING THE TRANSFER OR PAYMENT; AND e. IN THE CASE OF ANY LOSS OF MONEY TAKEN FROM THE ACCOUNT IN ANY TRANSFER OF FUNDS OR PAYMENT ORDERED THROUGH ONLINE BANKING BY AN ORDER INITIATED WITHOUT YOUR AUTHORIZATION, OUR LIABILITY WILL BE LIMITED, EXCEPT TO THE EXTENT REQUIRED BY APPLICABLE LAW, TO THE AMOUNT OF THE TRANSFER OR PAYMENT LESS ANY AMOUNT THAT, EVEN WITH OUR EXERCISE OF ORDINARY CARE IN PROCESSING THE TRANSFER OR PAYMENT, WOULD HAVE BEEN LOST.

Your Liability for Unauthorized Use. How much you will have to bear of any loss of money taken from any deposit account of yours in any transfer of funds or payment ordered through Online Banking by an order initiated without your authorization will be determined by applicable law and any agreement between you and us concerning the account or transfers of funds or payments from the account (for example, an agreement governing transfers of funds through an automated clearing househouse or by a wire or intrabank transfer), but: a. EXCEPT TO THE EXTENT REQUIRED BY APPLICABLE LAW, WE WILL NOT BE LIABLE TO YOU FOR ANY LOSS OF MONEY TAKEN FROM THE ACCOUNT IN ANY TRANSFER OF FUNDS OR PAYMENT ORDERED THROUGH ONLINE BANKING BY AN ORDER INITIATED WITHOUT YOUR AUTHORIZATION BY YOUR ADMINISTRATOR, ANY ADDITIONAL USER OR ANYONE ELSE YOUR ADMINISTRATOR OR ANY ADDITIONAL USER ALLOWS TO ANY IDENTIFIER OR TO USE ONLINE BANKING; b. EXCEPT TO THE EXTENT REQUIRED BY APPLICABLE LAW, WE WILL NOT BE LIABLE TO YOU FOR ANY LOSS OF MONEY TAKEN FROM THE ACCOUNT IN ANY TRANSFER OF FUNDS OR PAYMENT ORDERED THROUGH ONLINE BANKING BY AN ORDER INITIATED WITHOUT YOUR AUTHORIZATION UNLESS EACH COMMERCIALLY REASONABLE SECURITY PROCEDURE OFFERED BY US TO YOU IN CONNECTION WITH ONLINE BANKING IS FOLLOWED IN CONNECTION WITH THE GIVING OF THE ORDER TO US TO MAKE THE TRANSFER OR PAYMENT; c. EXCEPT TO THE EXTENT REQUIRED BY APPLICABLE LAW, WE WILL NOT BE LIABLE TO YOU FOR ANY LOSS OF MONEY TAKEN FROM THE ACCOUNT IN ANY TRANSFER OF FUNDS OR PAYMENT ORDERED THROUGH ONLINE BANKING BY AN ORDER INITIATED BY THE USE OF ANY IDENTIFIER WITHOUT YOUR AUTHORIZATION BEFORE WE RECEIVE AND HAVE A REASONABLE TIME TO ACT ON A NOTICE OF THE POSSIBLE UNAUTHORIZED USE OF ANY IDENTIFIER WITHOUT YOUR AUTHORIZATION; d. EXCEPT TO THE EXTENT REQUIRED BY APPLICABLE LAW, WE WILL NOT BE LIABLE TO YOU FOR ANY LOSS OF MONEY TAKEN FROM THE ACCOUNT IN ANY TRANSFER OF FUNDS OR PAYMENT ORDERED THROUGH ONLINE BANKING BY AN ORDER INITIATED WITHOUT YOUR AUTHORIZATION UNLESS WE FAIL TO EXERCISE ORDINARY CARE IN PROCESSING THE TRANSFER OR PAYMENT; AND e. IN THE CASE OF ANY LOSS OF MONEY TAKEN FROM THE ACCOUNT IN ANY TRANSFER OF FUNDS OR PAYMENT ORDERED THROUGH ONLINE BANKING BY AN ORDER INITIATED WITHOUT YOUR AUTHORIZATION, OUR LIABILITY WILL BE LIMITED, EXCEPT TO THE EXTENT REQUIRED BY APPLICABLE LAW, TO THE AMOUNT OF THE TRANSFER OR PAYMENT LESS ANY AMOUNT THAT, EVEN WITH OUR EXERCISE OF ORDINARY CARE IN PROCESSING THE TRANSFER OR PAYMENT, WOULD HAVE BEEN LOST.

Your Liability for Unauthorized Use. How much you will have to bear of any loss of money taken from any deposit account of yours in any transfer of funds or payment ordered through Online Banking by an order initiated without your authorization will be determined by applicable law and any agreement between you and us concerning the account or transfers of funds or payments from the account (for example, an agreement governing transfers of funds through an automated clearing househouse or by a wire or intrabank transfer), but: a. :  EXCEPT TO THE EXTENT REQUIRED BY APPLICABLE LAW, WE WILL NOT BE LIABLE TO YOU FOR ANY LOSS OF MONEY TAKEN FROM THE ACCOUNT IN ANY TRANSFER OF FUNDS OR PAYMENT ORDERED THROUGH ONLINE BANKING BY AN ORDER INITIATED WITHOUT YOUR AUTHORIZATION BY YOUR ADMINISTRATOR, ANY ADDITIONAL USER OR ANYONE ELSE YOUR ADMINISTRATOR OR ANY ADDITIONAL USER ALLOWS TO ANY IDENTIFIER OR TO USE ONLINE BANKING; b. ;  EXCEPT TO THE EXTENT REQUIRED BY APPLICABLE LAW, WE WILL NOT BE LIABLE TO YOU FOR ANY LOSS OF MONEY TAKEN FROM THE ACCOUNT IN ANY TRANSFER OF FUNDS OR PAYMENT ORDERED THROUGH ONLINE BANKING BY AN ORDER INITIATED WITHOUT YOUR AUTHORIZATION UNLESS EACH COMMERCIALLY REASONABLE SECURITY PROCEDURE OFFERED BY US TO YOU IN CONNECTION WITH ONLINE BANKING IS FOLLOWED IN CONNECTION WITH THE GIVING OF THE ORDER TO US TO MAKE THE TRANSFER OR PAYMENT; c. ;  EXCEPT TO THE EXTENT REQUIRED BY APPLICABLE LAW, WE WILL NOT BE LIABLE TO YOU FOR ANY LOSS OF MONEY TAKEN FROM THE ACCOUNT IN ANY TRANSFER OF FUNDS OR PAYMENT ORDERED THROUGH ONLINE BANKING BY AN ORDER INITIATED BY THE USE OF ANY IDENTIFIER WITHOUT YOUR AUTHORIZATION BEFORE WE RECEIVE AND HAVE A REASONABLE TIME TO ACT ON A NOTICE OF THE POSSIBLE UNAUTHORIZED USE OF ANY IDENTIFIER WITHOUT YOUR AUTHORIZATION; d. ;  EXCEPT TO THE EXTENT REQUIRED BY APPLICABLE LAW, WE WILL NOT BE LIABLE TO YOU FOR ANY LOSS OF MONEY TAKEN FROM THE ACCOUNT IN ANY TRANSFER OF FUNDS OR PAYMENT ORDERED THROUGH ONLINE BANKING BY AN ORDER INITIATED WITHOUT YOUR AUTHORIZATION UNLESS WE FAIL TO EXERCISE ORDINARY CARE IN PROCESSING THE TRANSFER OR PAYMENT; AND e. AND  IN THE CASE OF ANY LOSS OF MONEY TAKEN FROM THE ACCOUNT IN ANY TRANSFER OF FUNDS OR PAYMENT ORDERED THROUGH ONLINE BANKING BY AN ORDER INITIATED WITHOUT YOUR AUTHORIZATION, OUR LIABILITY WILL BE LIMITED, EXCEPT TO THE EXTENT REQUIRED BY APPLICABLE LAW, TO THE AMOUNT OF THE TRANSFER OR PAYMENT LESS ANY AMOUNT THAT, EVEN WITH OUR EXERCISE OF ORDINARY CARE IN PROCESSING THE TRANSFER OR PAYMENT, WOULD HAVE BEEN LOST.

Your Liability for Unauthorized Use. How much you will have to bear of any loss of money taken from any of your deposit account of yours accounts in any transfer of funds or payment ordered through LNB Online Banking by an order initiated by the use of your access code without your authorization will be determined by applicable law and any agreement between you and us concerning the account or transfers of funds or payments from the account (for example, an agreement governing transfers of funds through an automated clearing house)account, but: a. EXCEPT TO THE EXTENT REQUIRED BY APPLICABLE LAWIn no event will we be liable to you for any loss of money taken from the account in any transfer of funds or payment ordered through LNB Online Banking by an order initiated by the use of your access code without your authorization by any individual acting on your behalf in connection with LNB Online Banking or anyone else you allow, WE WILL NOT BE LIABLE TO YOU FOR ANY LOSS OF MONEY TAKEN FROM THE ACCOUNT IN ANY TRANSFER OF FUNDS OR PAYMENT ORDERED THROUGH ONLINE BANKING BY AN ORDER INITIATED WITHOUT YOUR AUTHORIZATION BY YOUR ADMINISTRATORor any individual acting on your behalf in connection with LNB Online Banking allows, ANY ADDITIONAL USER OR ANYONE ELSE YOUR ADMINISTRATOR OR ANY ADDITIONAL USER ALLOWS TO ANY IDENTIFIER OR TO USE ONLINE BANKINGto have your access code; b. EXCEPT TO THE EXTENT REQUIRED BY APPLICABLE LAW, WE WILL NOT BE LIABLE TO YOU FOR ANY LOSS OF MONEY TAKEN FROM THE ACCOUNT IN ANY TRANSFER OF FUNDS OR PAYMENT ORDERED THROUGH ONLINE BANKING BY AN ORDER INITIATED WITHOUT YOUR AUTHORIZATION UNLESS EACH COMMERCIALLY REASONABLE SECURITY PROCEDURE OFFERED BY US TO YOU IN CONNECTION WITH ONLINE BANKING IS FOLLOWED IN CONNECTION WITH THE GIVING OF THE ORDER TO US TO MAKE THE TRANSFER OR PAYMENT;In no event will we be liable to you for any loss of money taken from the account in any transfer of funds or payment ordered through LNB Online Banking by an order initiated by the use of your access code without your authorization unless we fail to exercise ordinary care in processing the transfer or payment; and c. EXCEPT TO THE EXTENT REQUIRED BY APPLICABLE LAWIn the case of any loss of money taken from the account in any transfer of funds or payment ordered through LNB Online Banking by an order initiated by the use of your access code without your authorization, WE WILL NOT BE LIABLE TO YOU FOR ANY LOSS OF MONEY TAKEN FROM THE ACCOUNT IN ANY TRANSFER OF FUNDS OR PAYMENT ORDERED THROUGH ONLINE BANKING BY AN ORDER INITIATED BY THE USE OF ANY IDENTIFIER WITHOUT YOUR AUTHORIZATION BEFORE WE RECEIVE AND HAVE A REASONABLE TIME TO ACT ON A NOTICE OF THE POSSIBLE UNAUTHORIZED USE OF ANY IDENTIFIER WITHOUT YOUR AUTHORIZATION;our liability will be limited to the amount of the transfer or payment less any amount that, even with our exercise of ordinary care, would have been lost. d. EXCEPT TO THE EXTENT REQUIRED BY APPLICABLE LAW11. Section 17 of the agreement is changed as follows: a. The first sentence of the section is changed to read as follows:  Our liability for damages you suffer as a result of our failure to make, WE WILL NOT BE LIABLE TO YOU FOR ANY LOSS OF MONEY TAKEN FROM THE ACCOUNT IN ANY TRANSFER OF FUNDS OR PAYMENT ORDERED THROUGH ONLINE BANKING BY AN ORDER INITIATED WITHOUT YOUR AUTHORIZATION UNLESS WE FAIL TO EXERCISE ORDINARY CARE IN PROCESSING THE TRANSFER OR PAYMENT; ANDon time and in the correct amount, any transfer of funds or payment to or from any of your deposit accounts ordered by a timely and properly initiated order to make the transfer or payment given through LNB Online Banking will be determined by applicable law and any agreement between you and us concerning the account or transfers of funds or payments to or from the account, but in no event will we be liable to you for any damages (for example, consequential or punitive damages) in addition to actual damages. e. IN THE CASE OF ANY LOSS OF MONEY TAKEN FROM THE ACCOUNT IN ANY TRANSFER OF FUNDS OR PAYMENT ORDERED THROUGH ONLINE BANKING BY AN ORDER INITIATED WITHOUT YOUR AUTHORIZATIONb. In the fourth sentence of the section, OUR LIABILITY WILL BE LIMITEDthe words "Examples of exceptions to our liability are as follows" are replaced with the words "Without limiting the first sentence of this section, EXCEPT TO THE EXTENT REQUIRED BY APPLICABLE LAW, TO THE AMOUNT OF THE TRANSFER OR PAYMENT LESS ANY AMOUNT THAT, EVEN WITH OUR EXERCISE OF ORDINARY CARE IN PROCESSING THE TRANSFER OR PAYMENT, WOULD HAVE BEEN LOSTin no event will we be liable to you if any of the following things happens".

Your Liability for Unauthorized Use. How much you will have to bear of any loss of money taken from any of your deposit account of yours accounts in any transfer of funds or payment ordered through NetTeller Online Banking by an order initiated by the use of any of your identification numbers without your authorization will be determined by applicable law and any agreement between you and us concerning the account or transfers of funds or payments from the account (for example, an agreement governing transfers of funds through an automated clearing house)account, but: a. EXCEPT TO THE EXTENT REQUIRED BY APPLICABLE LAW, IN NO EVENT WILL WE WILL NOT BE LIABLE TO YOU FOR ANY LOSS OF MONEY TAKEN FROM THE ACCOUNT IN ANY TRANSFER OF FUNDS OR PAYMENT ORDERED THROUGH NETTELLER ONLINE BANKING BY AN ORDER INITIATED BY THE USE OF ANY OF YOUR IDENTIFICATION NUMBERS WITHOUT YOUR AUTHORIZATION BY YOUR ADMINISTRATOR, ANY ADDITIONAL USER OR ANYONE ELSE YOUR ADMINISTRATOR OR ANY ADDITIONAL USER ALLOWS TO HAVE ANY IDENTIFIER OF YOUR IDENTIFICATION NUMBERS OR TO USE NETTELLER ONLINE BANKINGBANKING IN ANY WAY DESCRIBED IN SECTION 10; b. EXCEPT TO THE EXTENT REQUIRED BY APPLICABLE LAW, IN NO EVENT WILL WE WILL NOT BE LIABLE TO YOU FOR ANY LOSS OF MONEY TAKEN FROM THE ACCOUNT IN ANY TRANSFER OF FUNDS OR PAYMENT ORDERED THROUGH ONLINE BANKING BY AN ORDER INITIATED WITHOUT YOUR AUTHORIZATION UNLESS EACH COMMERCIALLY REASONABLE SECURITY PROCEDURE OFFERED BY US TO YOU IN CONNECTION WITH ONLINE BANKING IS FOLLOWED IN CONNECTION WITH THE GIVING OF THE ORDER TO US TO MAKE THE TRANSFER OR PAYMENT; c. EXCEPT TO THE EXTENT REQUIRED BY APPLICABLE LAW, WE WILL NOT BE LIABLE TO YOU FOR ANY LOSS OF MONEY TAKEN FROM THE ACCOUNT IN ANY TRANSFER OF FUNDS OR PAYMENT ORDERED THROUGH NETTELLER ONLINE BANKING BY AN ORDER INITIATED BY THE USE OF ANY IDENTIFIER OF YOUR IDENTIFICATION NUMBERS WITHOUT YOUR AUTHORIZATION BEFORE WE RECEIVE AND HAVE A REASONABLE TIME TO ACT ON A NOTICE OF THE POSSIBLE UNAUTHORIZED USE OF ANY IDENTIFIER OF YOUR IDENTIFICATION NUMBERS WITHOUT YOUR AUTHORIZATION; d. c. EXCEPT TO THE EXTENT REQUIRED BY APPLICABLE LAW, IN NO EVENT WILL WE WILL NOT BE LIABLE TO YOU FOR ANY LOSS OF MONEY TAKEN FROM THE ACCOUNT IN ANY TRANSFER OF FUNDS OR PAYMENT ORDERED THROUGH NETTELLER ONLINE BANKING BY AN ORDER INITIATED BY THE USE OF ANY OF YOUR IDENTIFICATION NUMBERS WITHOUT YOUR AUTHORIZATION UNLESS WE FAIL TO EXERCISE ORDINARY CARE IN PROCESSING THE TRANSFER OR PAYMENTTRANSFER; AND e. d. IN THE CASE OF ANY LOSS OF MONEY TAKEN FROM THE ACCOUNT IN ANY TRANSFER OF FUNDS OR PAYMENT ORDERED THROUGH NETTELLER ONLINE BANKING BY AN ORDER INITIATED BY THE USE OF ANY OF YOUR IDENTIFICATION NUMBERS WITHOUT YOUR AUTHORIZATION, OUR LIABILITY WILL BE LIMITED, EXCEPT TO THE EXTENT REQUIRED BY APPLICABLE LAW, TO THE AMOUNT OF THE TRANSFER OR PAYMENT LESS ANY AMOUNT THAT, EVEN WITH OUR EXERCISE OF ORDINARY CARE IN PROCESSING THE TRANSFER OR PAYMENTCARE, WOULD HAVE BEEN LOST.