Common use of Your Liability Clause in Contracts

Your Liability. The following determines your liability for any unauthorized EFT or any series of related unauthorized EFTs: 1. If you notify the Credit Union within two (2) business days after your password was lost or stolen, your liability will not exceed $50.00 or the amount of the unauthorized EFTs that occur before notification, whichever is less. 2. If you fail to notify the Credit Union within two (2) business days after your password was lost or stolen, your liability will not exceed the lesser of $500.00or the total of: • $50.00 or the amount of unauthorized EFTs that occur within the two (2) business days; and • The total of authorized EFTs which occur during the two (2) days before notification to the Credit Union, provided the Credit Union establishes that these EFTs would not have occurred had the Credit Union been notified within that two-day period. 3. You must report an unauthorized EFT that appears on your periodic statement, no later than 60 days of transmittal of the statement to avoid liability for subsequent transfers; your liability will not exceed the amount of the unauthorized EFTs that occurred within the 60-day period. You may also be liable for the amounts as described in sections 1 and 2 above. 4. If the report is made orally, we will require that you send the complaint or question in writing within 20 business days. We will notify you with the results of the investigation within 10 business days and will correct any error promptly. If more time is needed, however, we may take up to 45 days to investigate a complaint or question. If this occurs, we will credit your account within 10 business days for the amount you think is in error. This will allow you to use the money during the time it takes us to complete out investigation. If your complaint or question is not received in writing within 10 business days, we may not credit your account until the investigation is completed. If an alleged error involves an electronic fund transfer outside a state or territory or possession of the United Stated, the applicable time periods for action by us are 20 business days (instead of 10) and 90 calendar days (instead of 45). If we determine that no error occurred, we will send you a written explanation within three business days after the investigation is complete. You may request copies of the documents that were used in the investigation. 5. You may notify the Credit Union by telephone, writing, or by email using the guest book provided in our online banking site. Notification by general e-mail to report an unauthorized transaction is not secure and therefore not advised.

Your Liability. The following determines your liability for any unauthorized EFT or any series of related or unauthorized EFTs: 1. If you notify the Credit Union within two (2) business days after your password was lost or stolen, your liability will not exceed $50.00 or the amount of the unauthorized EFTs EFTS that occur before notification, whichever is less. 2. If you fail to notify the Credit Union within two (2) business days after your password was lost or stolen, your liability will not exceed the lesser of $500.00or 500.00 or the total of: • : a. $50.00 or the amount of unauthorized EFTs that occur within the two (2) business days; and • and b. The total of authorized EFTs which occur during the two (2) days before notification to the Credit Union, provided the Credit credit Union establishes that these EFTs would not have occurred had the Credit Union been notified within that two-day period. 3. You must report an unauthorized EFT that which appears on your periodic statement, no later than 60 days of after transmittal of the statement to avoid liability for subsequent transfers; your . Your liability will not exceed the amount of the unauthorized EFTs that occurred within the 60-60 day period. You may also be liable for the amounts as described in sections 1 and 2 above. Failure to notify the Credit Union may mean that you do not get your money back, provided that we can prove that we could have stopped someone from taking the money had you told us in time. 4. If the report is made orally, we will require that you send the complaint or question in writing within 20 10 business days. We will notify you with the results of the investigation determine whether an error occurred within 10 business days (5 business days for ExpressCheckCard point-of-sale transactions and 20 business days if the transaction involved a new account) after we hear from you and will correct any error promptly. If more time is needed, needed however, we may take up to 45 days to (90 days if the transaction involved a new account, a point-of-sale transaction, or a foreign-initiated transfer)to investigate a complaint or question. If this occurs, we will credit your account within 10 business days (5 business days for Express CheckCard point-of-sale transactions and 20 business days if the transaction involved a new account) for the amount you think is in error. This will allow you to use the money during the time it takes us to complete out our investigation. If your complaint or question is not received in writing within 10 business days, we may not credit your account until the investigation is completed. If an alleged error involves an electronic fund transfer outside Your account is considered a state or territory or possession of new account for the United Stated, first 30 days after the applicable time periods for action by us are 20 business days (instead of 10) and 90 calendar days (instead of 45)first deposit is made. If we determine that no error occurred, we will send you a written explanation within three business days after the investigation is complete. You may request copies of the documents that were used in the investigation. 5. You may notify the Credit Union us by telephone, in writing, or by email using the guest book secure email form provided in within our online banking siteOnline Banking service. Notification by general e-mail email to report an unauthorized transaction is not secure and therefore not advised.

Your Liability. The following determines your liability for any unauthorized EFT or any series of related unauthorized EFTs: 1. If you notify the Credit Union within two (2) business days after your password was lost or stolen, your liability will not exceed $50.00 or the amount of the unauthorized EFTs that occur before notification, whichever is less. 2. If you fail to notify the Credit Union within two (2) business days after your password was lost or stolen, your liability will not exceed the lesser of $500.00or 500.00 or the total of: • $50.00 or the amount of unauthorized EFTs that occur within the two (2) business days; and • The the total of authorized EFTs which occur during the two (2) days before notification to the Credit Union, provided the Credit Union establishes that these EFTs would not have occurred had the Credit Union been notified within that two-day period. 3. You must report an unauthorized EFT that appears on your periodic statement, no later than 60 days of transmittal of the statement to avoid liability for subsequent transfers; your . Your liability will not exceed the amount of the unauthorized EFTs that occurred within with the 60-day period. You may also be liable for the amounts as described in sections 1 and 2 above. 4. If the report is made orally, we will require that you send the complaint or question in writing within 20 business days. We will notify you with the results of the investigation within 10 business days and will correct any error promptly. If more time is needed, however, we may take up to 45 days to investigate a complaint or question. If this occurs, we will credit your account within 10 business days for the amount you think is in error. This will allow you to use the money during the time it takes us to complete out our investigation. If your complaint or question is not received in writing within 10 business days, we may not credit your account until the investigation is completed. If an alleged error involves an electronic fund transfer outside a state or territory or possession of the United StatedStates, the applicable time periods for action by us are 20 business days (instead of 10) and 90 calendar days (instead of 45). If we determine that no error occurred, we will send you a written explanation within three business days after the investigation is complete. You may request copies of the documents that were used in the investigation. 5. You may notify the Credit Union by telephone, writing, or by email using the guest book Secure Email link provided in our online banking Online Banking site. Notification by general e-mail email to report an unauthorized transaction is not secure and therefore not advised. P.O. Box 1154 Willcox, AZ 85644. We must hear from you at the telephone number or address, listed above, no later than 60 days after we sent you the FIRST statement on which the problem or error appeared. We will need: 1. Your name and account number 2. A description of the error or the transfer in question and an explanation concerning why you believe it is an error or need more information 3. The dollar amount of the suspected error and date on which it occurred.

Your Liability. The following determines your liability for any unauthorized EFT or any series of related unauthorized EFTs: 1. If you notify the Credit Union Bank within two (2) business days after your password Password was lost or stolen, your liability will not exceed $50.00 or the amount of the unauthorized EFTs that occur before notification, whichever is less. 2. If you fail to notify the Credit Union Bank within two (2) business days after your password Password was lost or stolen, your liability will not exceed the lesser of $500.00or 500.00 or the total of: •  $50.00 or the amount of unauthorized EFTs that occur within the two (2) business days; and • The  the total of authorized EFTs which occur during the two (2) days before notification to the Credit UnionBank, provided the Credit Union Bank establishes that these EFTs would not have occurred had the Credit Union Bank been notified within that two-day period. 3. You must report an unauthorized EFT that appears on your periodic statement, no later than 60 days of transmittal of the statement to avoid liability for subsequent transfers; your . Your liability will not exceed the amount of the unauthorized EFTs that occurred within the 60-day period. You may also be liable for the amounts as described in sections 1 and 2 above. 4. If the report is made orally, we will require that you send the complaint or question in writing within 20 business days. We will notify you with the results of the investigation within 10 business days and will correct any error promptly. If more time is needed, however, we may take up to 45 days to investigate a complaint or question. If this occurs, we will credit your account within 10 business days for the amount you think is in error. This will allow you to use the money during the time it takes us to complete out our investigation. If your complaint or question is not received in writing within 10 business days, we may not credit your account until the investigation is completed. If an alleged error involves an electronic fund transfer outside a state or territory or possession of the United StatedStates, the applicable time periods for action by us are 20 business days (instead of 10) and 90 calendar days (instead of 45). If we determine that no error occurred, we will send you a written explanation within three business days after the investigation is complete. You may request copies of the documents that were used in the investigation. 5. You may notify the Credit Union Bank by telephone, telephone or in writing, or by email using the guest book provided in our online banking site. Notification by general e-mail to report an unauthorized transaction is not secure and therefore not advised.

Your Liability. The following determines your liability for any unauthorized EFT or any series of related unauthorized EFTsEFT’s: 1. If you notify the Credit Union Bank within two (2) business days after your password was lost or stolen, your liability will not exceed $50.00 or the amount of the unauthorized EFTs that occur before notification, whichever is less. 2. If you fail to notify the Credit Union Bank within two (2) business days after your password was lost or stolen, your liability will not exceed the lesser of $500.00or 500.00 or the total of: • $50.00 or the amount of unauthorized EFTs that occur within the two (2two(2) business days; and • The total of authorized unauthorized EFTs which occur during the two (2two(2) days before notification to the Credit UnionBank, provided the Credit Union Bank establishes that these EFTs would not have occurred had the Credit Union Bank been notified within that two-two- day period. 3. You must report an unauthorized EFT that appears on your periodic statement, no later than 60 days of transmittal of the statement to avoid liability for subsequent transfers; . If you fail to do so, your liability will not exceed the amount of the unauthorized EFTs that occurred after the close of the 60-day period and before notice to the Bank and the Bank establishes they would not have occurred had you notified the Bank within the 60-day period. You may also be liable for the amounts as described in sections 1 and 2 above. 4. If the report is made orally, we will require that you send the complaint or question in writing within 20 business days. We will notify you with the results of the investigation within 10 business days and will correct any error promptly. If more time is needed, however, we may take up to 45 days to investigate a complaint or question. If this occurs, we will credit your account within 10 business days for the amount you think is in error. This will allow you to use the money during the time it takes us to complete out our investigation. If your complaint or question is not received in writing within 10 business days, we may not credit your account until the investigation is completed. If an alleged error involves an electronic fund transfer outside a state or territory or possession of the United StatedStates, the applicable time periods for action by us are 20 business days (instead of 10) and 90 calendar days (instead of 45). If we determine that no error occurred, we will send you a written explanation within three business days after the investigation is complete. You may request copies of the documents that were used in the investigation. 5. You may notify the Credit Union Bank by telephone, writing, or by email e-mail using the guest book Secure Email form provided in our online banking Online Banking site. Notification by general e-mail to report an unauthorized transaction is not secure and therefore not advised.

Your Liability. The following determines your liability for any unauthorized EFT or any series of related unauthorized EFTs:; 1. a. If you notify the Credit Union within two (2) business days after your password was lost or stolen, your liability will not exceed $50.00 or the amount of the unauthorized EFTs that occur before notification, whichever is less. 2. b. If you fail to notify the Credit Union within two (2) business days after your password was lost or stolen, your liability will not exceed the lesser of $500.00or 500.00 or the total of: • : i. $50.00 or the amount of unauthorized EFTs that occur within the two (2) business days; and • and ii. The total of authorized EFTs which occur during the two (2) days before notification to the Credit Union, provided the Credit Union establishes that these EFTs would not have occurred had the Credit Union been notified within that two-day period. 3. c. You must report an unauthorized EFT that appears on your periodic statement, no later than 60 days of transmittal of the statement to avoid liability for subsequent transfers; your . Your liability will not exceed the amount of the unauthorized EFTs that occurred within the 60-day period. You may also be liable for the amounts as described in sections 1 a and 2 b above. 4. d. If the report is made orally, we will require that you send the complaint or question in writing within 20 business days. We will notify you with the results of the investigation within 10 business days and will correct any error promptly. If more time is needed, however, we may take up to 45 days to investigate a complaint or question. If this occurs, we will credit your account within 10 business days for the amount you think is in error. This will allow you to use the money during the time it takes us to complete out our investigation. If your complaint or question is not received in writing within 10 business days, we may not credit your account until the investigation is completed. If an alleged error involves an electronic fund transfer outside a state or territory or possession of the United StatedStates, the applicable time periods for action by us are 20 business days (instead of 10) and 90 calendar days (instead of 45). If we determine that no error occurred, we will send you a written explanation within three business days after the investigation is complete. You may request copies of the documents that were used in the investigation. 5. e. You may notify the Credit Union by telephone, writing, or by email using the guest book provided in our online banking message function within the Online Banking site. Notification by general e-mail to report an unauthorized transaction is not secure and therefore not advised.

Your Liability. The following determines your liability for any unauthorized EFT or any series of related unauthorized EFTs: 1. If you notify the Credit Union Bank within two (2) business days after your password was lost or stolen, your liability will not exceed $50.00 or the amount of the unauthorized EFTs that occur before notification, whichever is less. 2. If you fail to notify the Credit Union Bank within two (2) business days after your password was lost or stolen, your liability will not exceed the lesser of $500.00or 500.00 or the total of: • : a. $50.00 or the amount of unauthorized EFTs that occur within the two (2) business days; and • The and b. the total of authorized EFTs which occur during the two (2) days before notification to the Credit UnionBank, provided the Credit Union Bank establishes that these EFTs would not have occurred had the Credit Union Bank been notified within that two-day period. 3. You must report an unauthorized EFT that appears on your periodic statement, no later than 60 days of transmittal of the statement to avoid liability for subsequent transfers; your . Your liability will not exceed the amount of the unauthorized EFTs that occurred within with the 60-day period. You may also be liable for the amounts as described in sections 1 and 2 above. 4. If the report is made orally, we will require that you send the complaint or question in writing within 20 10 business days. We will notify you with the results of the investigation within 10 business days and will correct any error promptly. If more time is needed, however, we may take up to 45 days to investigate a complaint or question. If this occurs, we will credit your account within 10 business days for the amount you think is in error. This will allow you to use the money during the time it takes us to complete out our investigation. If your complaint or question is not received in writing within 10 business days, we may not credit your account until the investigation is completed. If an alleged error involves an electronic fund transfer outside a state or territory or possession of the United StatedStates, the applicable time periods for action by us are 20 business days (instead of 10) and 90 calendar days (instead of 45). If we determine that no error occurred, we will send you a written explanation within three business days after the investigation is complete. You may request copies of the documents that were used in the investigation. 5. You may notify the Credit Union us by telephone, in writing, or by email e-mail using the guest book secure e-mail form provided in within our online internet banking siteService. Notification by general e-mail to report an unauthorized transaction is not secure and therefore not advised.

Your Liability. The following determines your liability for any unauthorized EFT or any series of related unauthorized EFTs: 1. If you notify the Credit Union Bank within two (2) business days after your password was discovered lost or stolen, your liability will not exceed $50.00 or the amount of the unauthorized EFTs that occur before notification, whichever is less. 2. If you fail to notify the Credit Union Bank within two (2) business days after your password was lost or stolen, your liability will not exceed the lesser of $500.00or 500.00 or the total of: • $50.00 or the amount of unauthorized EFTs that occur within the two (2) business days; and • The the total of authorized unauthorized EFTs which occur during the two (2) days before notification to the Credit UnionBank, provided the Credit Union Bank establishes that these EFTs would not have occurred had the Credit Union Bank been notified within that two-day period. 3. You must report an unauthorized EFT that which appears on your periodic statement, no later than 60 days of transmittal of the statement to avoid liability for subsequent transfers; your . Your liability will not exceed the amount of the unauthorized EFTs that occurred within with the 60-day period. You may also be liable for the amounts as described in sections 1 and 2 above. 4. If the report is made orally, we will require that you send the complaint or question in writing within 20 business days. We will notify you with the results of the investigation within 10 business days and will correct any error promptly. If more time is needed, however, we may take up to 45 days to investigate a complaint or question. If this occurs, we will credit your account within 10 business days for the amount you think is in error. This will allow you to use the money during the time it takes us to complete out our investigation. If your complaint or question is not received in writing within 10 business days, we may not credit your account until the investigation is completed. If an alleged error involves an electronic fund transfer outside a state or territory or possession of the United StatedStates, the applicable time periods for action by us are 20 business days (instead of 10) and 90 calendar days (instead of 45). If we determine that no error occurred, we will send you a written explanation within three business days after the investigation is complete. You may request copies of the documents that were used in the investigation. 5. You may notify the Credit Union Bank by telephone, writing, or by email using the guest book provided in our online banking siteemail. Notification by general e-mail to report an unauthorized transaction is not secure and therefore not advised.

Your Liability. The following determines your liability for any unauthorized EFT Electronic Funds Transfer ("EFT") or any series of related unauthorized EFTs: 1. If you notify the Credit Union Bank within two (2) business days after your password was lost or stolen, your liability will not exceed $50.00 or the amount of the unauthorized EFTs that occur before notification, whichever is less. 2. If you fail to notify the Credit Union Bank within two (2) business days after your password was lost or stolen, your liability will not exceed the lesser of $500.00or 500.00 or the total of: • $50.00 or the amount of unauthorized EFTs that occur within the two (2) business days; and • The the total of authorized unauthorized EFTs which occur during the two (2) days before notification to the Credit UnionBank, provided the Credit Union Bank establishes that these EFTs would not have occurred had the Credit Union Bank been notified within that two-two day period. 3. You must report an unauthorized EFT that appears on your periodic statement, no later than statement within 60 days of the Bank's transmittal of the statement statement. If you fail to avoid liability make such a report, you will be liable for subsequent transfersany unauthorized EFT that occurs after the 60 day period and before you reported unauthorized EFT activity to the Bank; your liability will not exceed the amount of assuming we could have stopped the unauthorized EFTs that occurred within EFT had you notified us during the 60-60 day period. You may will also be liable for the amounts as described in sections subsections 1 and 2 above. If a good reason (such as a long trip or hospital stay) kept you from reporting an unauthorized EFT, we may extend the time periods. 4. If the report is made orallyWhen you give someone your User ID and Password, we will require you are authorizing that person to use your Online Service, and you send the complaint are responsible for all transactions that person performs while using your service. All transactions that person performs, even those transactions you did not intend or question in writing within 20 business days. We will notify you with the results of the investigation within 10 business days and will correct any error promptlywant performed, are authorized transactions. If more time you notify us that the person is neededno longer authorized, however, we may take up to 45 days to investigate a complaint or question. If this occurs, we will credit your account within 10 business days for the amount you think is in error. This will allow you to use the money during only transactions that person performs after the time it takes us to complete out investigation. If your complaint or question is not received in writing within 10 business days, we may not credit your account until the investigation is completed. If an alleged error involves an electronic fund transfer outside a state or territory or possession of the United Stated, the applicable time periods for action by you notify us are 20 business days (instead of 10) and 90 calendar days (instead of 45). If we determine that no error occurred, we will send you a written explanation within three business days after the investigation is complete. You may request copies of the documents that were used in the investigationunauthorized. 5. You may notify the Credit Union by telephone, writing, or by email using the guest book provided in our online banking site. Notification by general e-mail to report an unauthorized transaction is not secure and therefore not advised.

Your Liability. The following determines your liability for any unauthorized EFT or any series of related unauthorized EFTs: 1. If you notify the Credit Union Bank within two (2) business days after your password was lost or stolen, your liability will not exceed $50.00 or the amount of the unauthorized EFTs that occur before notification, whichever is less. 2. If you fail to notify the Credit Union Bank within two (2) business days after your password was lost or stolen, your liability will not exceed the lesser of $500.00or 500.00 or the total ofof : •  $50.00 or the amount of unauthorized EFTs that occur within the two (2) business days; and •  The total of authorized unauthorized EFTs which occur during the occurred after two (2) business days and before notification to the Credit Union, provided the Credit Union establishes that these EFTs would not have occurred had the Credit Union been notified within that two-day periodBank. 3. You must report an unauthorized EFT that appears on your periodic statement, no later than 60 days of transmittal of the statement to avoid liability for subsequent transfers; your . Your liability will not exceed the amount of the unauthorized EFTs that occurred within the 60-day period. You may also be liable for the amounts as described in sections 1 and 2 above. 4. If the report is made orally, we will require that you send the complaint or question in writing within 20 business daysdays via regular mail. We will notify you with the results of the investigation within 10 business days and will correct any error promptly. If more time is needed, however, we may take up to 45 days to investigate a complaint or question. If this occurs, we will credit your account within 10 business days for the amount you think is in error. This will allow you to use the money during the time it takes us to complete out our investigation. If your complaint or question is not received in writing within 10 business days, we may not credit your account until the investigation is completed. If an alleged error involves an electronic fund transfer outside a state or territory or possession of the United StatedStates, the applicable time periods for action by us are 20 business days (instead of 10) and 90 calendar days (instead of 45). If we determine that no error occurred, we will send you a written explanation within three business days after the investigation is complete. You may request copies of the documents that were used in the investigation. 5. You may notify the Credit Union Bank by telephone, writing, or by email e-mail using the guest book e-mail link provided in on our online banking Online Banking site. Notification by general e-mail to report an unauthorized transaction is not secure and therefore not advised. 6. You are responsible for all transactions the person performs using the Service with your User ID and password, or that you have allowed access to your Online Banking service as a “sub-user”. All transactions that the person performs, even those transactions that you did not intend or want performed, are authorized transactions. If you notify us that the person is no longer authorized, then transactions that person performs after the time you notify us are considered unauthorized. 7. Transactions that you or someone acting like you initiates with fraudulent intent are also authorized transactions. For your protection, safeguard your user ID and password and sign off after every Internet Banking session.

Your Liability. The following determines your liability for any unauthorized EFT or any series of related unauthorized EFTs: 1. If you notify the Credit Union "Bank" within two (2) business days after your password was lost or stolen, your liability will not exceed $50.00 or the amount of the unauthorized EFTs that occur before notification, whichever is less. 2. If you fail to notify the Credit Union Bank within two (2) business days after your password was lost or stolen, your liability will not exceed the lesser of $500.00or 500.00 or the total of: •  $50.00 or the amount of unauthorized EFTs that occur within the two (2) business days; and •  The total of authorized EFTs which occur during the two (2) days before notification to the Credit UnionBank, provided the Credit Union Bank establishes that these EFTs would not have occurred had the Credit Union Bank been notified within that two-day period. 3. You must report an unauthorized EFT that appears on your periodic statement, no later than 60 days of transmittal of the after receiving your statement to avoid liability for subsequent transfers; your . Your liability will not exceed the amount of the unauthorized EFTs that occurred within with the 60-day period. You may also be liable for the amounts as described in sections 1 and 2 above. 4. If the report is made orally, we will require that you send the complaint or question in writing within 20 10 business days. We will notify you with the results of the investigation within 10 business days and will correct any error promptly. If more time is needed, however, we may take up to 45 days to investigate a complaint or question. If this occurs, we will credit your account within 10 business days for the amount you think is in error. This will allow you to use the money during the time it takes us to complete out our investigation. If your complaint or question is not received in writing within 10 business days, we may not credit your account until the investigation is completed. If an alleged error involves an electronic fund transfer outside a state or territory or possession of the United StatedStates, the applicable time periods for action by us are 20 business days (instead of 10) and 90 calendar days (instead of 45). If we determine that no error occurred, we will send you a written explanation within three business days after the investigation is complete. You may request copies of the documents that were used in the investigation. 5. You may notify the Credit Union Bank by telephone, telephone or in writing, or by email using the guest book provided in our online banking site. Notification by general e-mail to report an unauthorized transaction is not secure and therefore not advised.

Your Liability. The following determines your liability for any unauthorized EFT or any series of related unauthorized EFTs: 1. If you notify the Credit Union Bank within two (2) business days after your password was lost or stolen, your liability will not exceed $50.00 or the amount of the unauthorized EFTs that occur before notification, whichever is less. 2. If you fail to notify the Credit Union Bank within two (2) business days after your password was lost or stolen, your liability will not exceed the lesser of $500.00or 500.00, or the total of: • $50.00 or the amount of unauthorized EFTs that occur within the two (2) business days; and • The the total of authorized EFTs which occur during the two (2) days before notification to the Credit UnionBank, provided the Credit Union Bank establishes that these EFTs would not have occurred had the Credit Union Bank been notified within that two-day period. 3. You must report an unauthorized EFT that appears on your periodic statement, no later than 60 days of transmittal of the statement to avoid liability for subsequent transfers; your . Your liability will not exceed the amount of the unauthorized EFTs that occurred within with the 60-day period. You may also be liable for the amounts as described in sections 1 and 2 above. 4. If the report is made orally, we will require that you send the complaint or question in writing within 20 business days. We will notify you with the results of the investigation within 10 business days and will correct any error promptly. If more time is needed, however, we may take up to 45 days to investigate a complaint or question. If this occurs, we will credit your account within 10 business days for the amount you think is in error. This will allow you to use the money during the time it takes us to complete out our investigation. If your complaint or question is not received in writing within 10 business days, we may not credit your account until the investigation is completed. If an alleged error involves an electronic fund transfer outside a state or territory or possession of the United StatedStates, the applicable time periods for action by us are 20 business days (instead of 10) and 90 calendar days (instead of 45). If we determine that no error occurred, we will send you a written explanation within three business days after the investigation is complete. You may request copies of the documents that were used in the investigation. 5. You may notify the Credit Union Bank by telephone, writing, or by email using the guest book provided in our online banking siteemail. Notification by general e-mail to report an unauthorized transaction is may not be secure and therefore not advised.

Your Liability. The following determines your liability for any unauthorized EFT or any series of related unauthorized EFTs: 1. If you notify the Credit Union Bank within two (2) business days after your password was lost or stolen, your liability will not exceed $50.00 or the amount of the unauthorized EFTs that occur before notification, whichever is less. 2. If you fail to notify the Credit Union Bank within two (2) business days after your password was lost or stolen, your liability will not exceed the lesser of $500.00or 500.00 or the total of: •  $50.00 or the amount of unauthorized EFTs that occur within the two (2) business days; and •  The total of authorized EFTs which occur during the two (2) days before notification to the Credit UnionBank, provided the Credit Union Bank establishes that these EFTs would not have occurred had the Credit Union Bank been notified within that two-day period. 3. You must report an unauthorized EFT that which appears on your periodic statement, no later than 60 days of transmittal of the statement to avoid liability for subsequent transfers; your . Your liability will not exceed the amount of the unauthorized EFTs that occurred within with the 60-day period. You may also be liable for the amounts as described in sections 1 and 2 above. 4. If the report is made orally, we will require that you send the complaint or question in writing within 20 business days. We will notify you with the results of the investigation within 10 business days and will correct any error promptly. If more time is needed, however, we may take up to 45 days to investigate a complaint or question. If this occurs, we will credit your account within 10 business days for the amount you think is in error. This will allow you to use the money during the time it takes us to complete out our investigation. If your complaint or question is not received in writing within 10 business days, we may not credit your account until the investigation is completed. If an alleged error involves an electronic fund transfer outside a state or territory or possession of the United StatedStates, the applicable time periods for action by us are 20 business days (instead of 10) and 90 calendar days (instead of 45). If we determine that no error occurred, we will would send you a written explanation within three business days after the investigation is complete. You may request copies of the documents that were used in the investigation. 5. You may notify the Credit Union Bank by telephone, writing, or by email e-mail using the guest book link provided in our online banking Online Banking site. Notification by general e-mail to report an unauthorized transaction is not secure and therefore not advised.

Your Liability. The following determines your liability for any unauthorized EFT or any series of related unauthorized EFTs: 1. : • If you notify the Credit Union within two (2) business days after your password was lost or stolen, your liability will not exceed $50.00 or the amount of the unauthorized EFTs that occur before notification, whichever is less. 2. less • If you fail to notify the Credit Union within two (2) business days after your password was lost or stolen, your liability will not exceed the lesser of $500.00or 500.00 or the total of: • * $50.00 or the amount of unauthorized EFTs that occur within the two (2) business days; and • The * the total of authorized EFTs which occur during the two (2) days before notification to the Credit Union, provided the Credit Union establishes that these EFTs would not have occurred had the Credit Union been notified within that two-day period. 3. • You must report an unauthorized EFT that which appears on your periodic statement, no later than 60 days of transmittal of the statement to avoid liability for subsequent transfers; your . Your liability will not exceed the amount of the unauthorized EFTs that occurred after the close of the 60-day period and before notice to the institution, and that the institution establishes would not have occurred had the consumer notified the institution within the 60-day period. You may also be liable for the amounts as described in sections 1 and 2 above. 4. • If the report is made orally, we will require that you send the complaint or question in writing within 20 10 business days. We will notify you with the results of the investigation within 10 business days and will correct any error promptly. If more time is needed, however, we may take up to 45 days to investigate a complaint or question. If this occurs, we will credit your account within 10 business days for the amount you think is in error. This will allow you to use the money during the time it takes us to complete out our investigation. If your complaint or question is not received in writing within 10 business days, we may not credit your account until the investigation is completed. If an alleged error involves an electronic fund transfer outside a state or territory or possession of the United StatedStates, the applicable time periods for action by us are 20 business days (instead of 10) and 90 calendar days (instead of 45). If we determine that no error occurred, we will send you a written explanation within three business days after the investigation is complete. You may request copies of the documents that were used in the investigation. 5. • You may notify the Credit Union by telephone, by writing, or by email using the guest book provided in our online banking siteperson. Notification by general e-mail to report an unauthorized transaction is not secure and therefore not advised.. In case of errors or questions regarding an Online Banking or Bill Payment transaction, call (812) 000- 0000 or (000) 000-0000 or write us at: Attn: EFT Department, Hoosier Hills Credit Union, 000 Xxxxxxx Xxxxxx, Xxxxxxx XX 00000. We must hear from you at the telephone number or address, listed above, no later than 60 days after we sent you the FIRST statement on which the problem or error appeared. We will need: • Your name and account number • A description of the error or the transfer in question and an explanation concerning why you believe it is an error or need more information The dollar amount of the suspected error and date on which it occurred. This section explains our liability to you only to the extent that any other agreements, notices or disclosures have not separately disclosed our liability. In no event shall we be liable to you for failure to provide access to your Online Banking or Bill Payment services accounts. Unless otherwise required by applicable law, we are only responsible for performing the Online Banking and Bill Payment services as delineated in this Agreement. We will be liable for the amount of any material losses or damages incurred by you and resulting directly from our gross negligence. We will not be liable to you in the following instances:

Your Liability. The following determines your liability for any unauthorized EFT or any series of related unauthorized EFTs: 1. a. If you notify the Credit Union Bank within two (2) business days after your password was lost or stolen, your liability will not exceed $50.00 or the amount of the unauthorized EFTs that occur before notification, whichever is less.; 2. b. If you fail to notify the Credit Union Bank within two (2) business days after your password was lost or stolen, your liability will not exceed the lesser of $500.00or 500.00 or the total of: • $50.00 or the amount of unauthorized EFTs that occur within the two (2) business days; and • The the total of authorized EFTs which occur during the two (2) days before notification to the Credit UnionBank, provided the Credit Union Bank establishes that these EFTs would not have occurred had the Credit Union Bank been notified within that two-day period.; 3. c. You must report an unauthorized EFT that appears on your periodic statement, no later than 60 days of transmittal of the statement to avoid liability for subsequent transfers; your . Your liability will not exceed the amount of the unauthorized EFTs that occurred within with the 60-day period. You may also be liable for the amounts as described in sections 1 (a) and 2 (b) above.; 4. d. If the report is made orally, we will require that you send the complaint or question in writing within 20 business days. We will notify you with the results of the investigation within 10 business days and will correct any error promptly. If more time is needed, however, we may take up to 45 days to investigate a complaint or question. If this occurs, we will credit your account within 10 business days for the amount you think is in error. This will allow you to use the money during the time it takes us to complete out our investigation. If your complaint or question is not received in writing within 10 business days, we may not credit your account until the investigation is completed. If an alleged error involves an electronic fund transfer outside a state or territory or possession of the United StatedStates, the applicable time periods for action by us are 20 business days (instead of 10) and 90 calendar days (instead of 45). If we determine that no error occurred, we will send you a written explanation within three business days after the investigation is complete. You may request copies of the documents that were used in the investigation.; 5. e. You may notify the Credit Union Bank by telephone, writing, or by email using the guest book provided in our online banking site. Notification by general e-mail to report an unauthorized transaction is not secure and therefore not advisedmessage. However, please use the secured e-mail located within the internet banking website.

Your Liability. The following determines your liability for any unauthorized EFT or any series of related unauthorized EFTs: 1. If you notify the Credit Union within two (2) business days after your password was lost or stolen, your liability will not exceed you are liable for no more than $50.00 or the amount of the unauthorized EFTs that occur before notification, whichever is less. 2. If you fail to notify the Credit Union within two (2) business days after your password was lost or stolen, your liability will not exceed the lesser of you are liable for up to $500.00or the total of: • $50.00 or the amount of unauthorized EFTs that occur within the two (2) business days; and • The total of authorized EFTs which occur during the two (2) days before notification to the Credit Union, provided the Credit Union establishes that these EFTs would not have occurred had the Credit Union been notified within that two-day period500.00. 3. You must report an unauthorized EFT that appears on your periodic statement, no later than 60 days of transmittal of the statement to avoid liability for subsequent transfers; your . Your liability will not exceed the amount of the unauthorized EFTs that occurred within with the 60-day period. You may also be liable for the amounts as described in sections 1 and 2 above. 4. If the report is made orally, we will require that you send the complaint or question in writing within 20 business days. We will notify you with of the results of the investigation within 10 business days and will promptly correct any error promptlyerror. If more time is needed, however, we may take up to 45 days to investigate a complaint or question. If this occurs, we will may provide provisional credit to your account within 10 business days for the amount you think is in error. This will allow you to use the money during the time it takes us to complete out our investigation. If your complaint or question is not received in writing within 10 business days, we may not grant provisional credit to your account until the investigation is completed. If an alleged error involves an electronic fund transfer outside a state or territory or possession of the United StatedStates, the applicable time periods for action by us are 20 business days (instead of 10) and 90 calendar days (instead of 45). If we determine that no error occurred, we will send you a written explanation within three business days after the investigation is complete. You may request copies of the documents that were used in the investigation. 5. You may notify the Credit Union by telephone, writing, or by email using the guest book support link provided in our online banking Online Banking site. Notification by general e-mail to report an unauthorized transaction is not secure and therefore not advised.

Your Liability. The following determines your liability for any unauthorized EFT or any series of related unauthorized EFTs: 1. If you notify the Credit Union within two (2) business days after your password was lost or stolen, your liability will not exceed $50.00 or the amount of the unauthorized EFTs that occur before notification, whichever is less. 2. If you fail to notify the Credit Union within two (2) business days after your password was lost or stolen, your liability will not exceed the lesser of $500.00or 500.00 or the total of: • $50.00 or the amount of unauthorized EFTs that occur within the two (2) business days; and • The the total of authorized EFTs which occur during the two (2) days before notification to the Credit Union, provided the Credit Union establishes that these EFTs would not have occurred had the Credit Union been notified within that two-day period. 3. You must report an unauthorized EFT that appears on your periodic statement, no later than 60 days of from transmittal of the statement to avoid liability for subsequent transfers; your . Your liability will not exceed the amount of the unauthorized EFTs that occurred within the 60-day period. You may also be liable for the amounts as described in sections 1 and 2 above. 4. If the report is made orally, we will may require that you send the complaint or question in writing within 20 business days. We will notify you with the results of the investigation within 10 business days and will correct any error promptly. If more time is needed, however, we may take up to 45 days to investigate a complaint or question. If this occurs, we will credit your account within 10 business days for the amount you think is in error. This will allow you to use the money during the time it takes us to complete out our investigation. If your complaint or question is not received in writing within 10 business days, we may not credit your account until the investigation is completed. If an alleged error involves an electronic fund transfer outside a state or territory or possession of the United StatedStates, the applicable time periods for action by us are 20 business days (instead of 10) and 90 calendar days (instead of 45). If we determine that no error occurred, we will send you a written explanation within three business days after the investigation is complete. You may request copies of the documents that were used in the investigation. 5. You may notify the Credit Union by telephone, writing, or by secure email using the guest book provided in our online banking sitewithin Online Banking. Notification by general e-mail to report an unauthorized transaction is not secure and therefore not advised.

Your Liability. The following determines your liability for any unauthorized EFT or any series of related unauthorized EFTs: 1. : o If you notify the Credit Union within two (2) business days after Bank that your password was lost or stolen, your liability will not exceed $50.00 or the amount of the unauthorized EFTs that occur before notification, whichever is less. 2. If you fail to notify the Credit Union within two (2) business days after your password was lost or stolen, your liability will not exceed the lesser of $500.00or the total of: • $50.00 or the amount of o You must report any unauthorized EFTs that occur within the two (2) business days; and • The total of authorized EFTs which occur during the two (2) days before notification to the Credit Union, provided the Credit Union establishes that these EFTs would not have occurred had the Credit Union been notified within that two-day period. 3. You must report an unauthorized EFT that appears appear on your periodic statement, statement no later than 60 days of after transmittal of the statement to avoid liability for subsequent transfers; your . Your liability will not exceed the amount $50.00 of the unauthorized EFTs that occurred within the 60-day period. You may also be liable for the amounts as described in sections 1 and 2 above. 4. o If the report is made orally, we will require that you send the complaint or question in writing within 20 10 business days. We will notify you with the results of the investigation within 10 business days and will correct any error promptly. If more time is needed, however, we may take up to 45 calendar days to investigate a complaint or question. If this occurs, we will credit your account within 10 business days for the amount you think is in error. This will allow you to use the money during the time it takes us to complete out our investigation. If your complaint or question is not received in writing within 10 business days, we may not credit your account until the investigation is completed. If an alleged error involves an electronic fund transfer outside a state or territory or possession of the United StatedStates or resulted from a POS debit card transaction, the applicable time periods for action by us are 20 business days (instead of 10) and 90 calendar business days (instead of 45). If we determine that no error occurred, we will send you a written explanation within three business days after the investigation is complete, and the provisional credit may be withdrawn from your account. You may request copies of the documents that were used in the investigation. 5. • You may notify the Credit Union Bank by telephone, in writing, or by email using the guest book provided in our online banking sitevisiting a local branch office. Notification by general e-mail to report an unauthorized transaction is not secure and therefore not advisedaccepted. We must hear from you at the telephone number or address, listed above, no later than 60 days after we sent you the FIRST statement on which the problem or error appeared. We will need: o Your name and account number o A description of the error or the transfer in question and an explanation concerning why you believe it is an error or need more information o The dollar amount of the suspected error and date on which it occurred. o Supporting documentation such as a transaction receipt, police report, or other applicable documents.

Your Liability. The following determines your liability for any unauthorized EFT or any series of related unauthorized EFTs: 1. If you notify the Credit Union within two (2) business days after your password was lost or stolen, your liability will not exceed $50.00 or the amount of the unauthorized EFTs that occur before notification, whichever is less. 2. If you fail to notify the Credit Union within two (2) business days after your password was lost or stolen, your liability will not exceed the lesser of $500.00or 500.00 or the total of: • $50.00 or the amount of unauthorized EFTs that occur within the two (2) business days; and • The the total of authorized EFTs which occur during the two (2) days before notification to the Credit Union, provided the Credit Union establishes that these EFTs would not have occurred had the Credit Union been notified within that two-day period. 3. You must report an unauthorized EFT that appears on your periodic statement, no later than 60 days of transmittal of the statement to avoid liability for subsequent transfers; your . Your liability will not exceed the amount of the unauthorized EFTs that occurred within with the 60-day period. You may also be liable for the amounts as described in sections 1 and 2 above. 4. If the report is made orally, we will require that you send the complaint or question in writing within 20 10 business days. We will notify you with the results of the investigation within 10 business days and will correct any error promptly. If more time is needed, however, we may take up to 45 days to investigate a complaint or question. If this occurs, we will credit your account within 10 business days for the amount you think is in error. This will allow you to use the money during the time it takes us to complete out our investigation. If your complaint or question is not received in writing within 10 business days, we may not credit your account until the investigation is completed. If an alleged error involves an electronic fund transfer outside a state or territory or possession of the United StatedStates, the applicable time periods for action by us are 20 business days (instead of 10) and 90 calendar days (instead of 45). If we determine that no error occurred, we will send you a written explanation within three business days after the investigation is complete. You may request copies of the documents that were used in the investigation. 5. You may notify the Credit Union by telephone, writing, or by email using the guest book provided online e-mail in our online banking Online Banking site. Notification by general e-mail to report an unauthorized transaction is not secure and therefore not advised.

Your Liability. The following determines your liability for any unauthorized EFT or any series of related unauthorized EFTs: 1. If you notify the Credit Union Bank within two (2) business days after your password was lost or stolen, your liability will not exceed $50.00 or the amount of the unauthorized EFTs that occur before notification, whichever is less. 2. If you fail to notify the Credit Union Bank within two (2) business days after your password was lost or stolen, your liability will not exceed the lesser of $500.00or 500.00 or the total of: •  $50.00 or the amount of unauthorized EFTs that occur within the two (2) business days; and • The  the total of authorized EFTs which occur during the two (2) days before notification to the Credit UnionBank, provided the Credit Union Bank establishes that these EFTs would not have occurred had the Credit Union Bank been notified within that two-day period. 3. You must report an unauthorized EFT that which appears on your periodic statement, statement no later than 60 days of after transmittal of the statement to avoid liability for subsequent transfers; your . Your liability will not exceed the amount of the unauthorized EFTs that occurred within the 60-day period. You may also be liable for the amounts as described in sections 1 and 2 above. 4. If the report is made orally, we will require that you send the complaint or question in writing within 20 10 business days. We will notify you with the results of the investigation within 10 business days and will correct any error promptly. If more time is needed, however, we may take up to 45 days to investigate a complaint or question. If this occurs, we will credit your account within 10 business days for the amount you think is in error. This will allow you to use the money during the time it takes us to complete out our investigation. If your complaint or question is not received in writing within 10 business days, we may not credit your account until the investigation is completed. If an alleged error involves an electronic fund transfer outside a state or territory or possession of the United StatedStates, the applicable time periods for action by us are 20 business days (instead of 10) and 90 calendar days (instead of 45). If we determine that no error occurred, we will send you a written explanation within three business days after the investigation is completecomplete and your account will be adjusted accordingly. You may request copies of the documents that were used in the investigation. 5. You may notify the Credit Union by telephone, writing, or by email using the guest book provided in our online banking site. Notification by general e-mail to report an unauthorized transaction is not secure and therefore not advised.

Your Liability. The following determines your liability for any unauthorized EFT or any series of related unauthorized EFTs: 1. If you notify the Credit Union within two (2) business days after your password was lost or stolen, your liability will not exceed $50.00 or the amount of the unauthorized EFTs that occur before notification, whichever is less. 2. If you fail to notify the Credit Union within two (2) business days after your password was lost or stolen, your liability will not exceed the lesser of $500.00or 500.00 or the total of: • $50.00 or the amount of unauthorized EFTs that occur within the two (2) business days; and • The the total of authorized EFTs which occur during the two (2) days before notification to the Credit Union, provided the Credit Union establishes that these EFTs would not have occurred had the Credit Union been notified within that two-day period. 3. You must report an unauthorized EFT that appears on your periodic statement, no later than 60 days of transmittal of the statement to avoid liability for subsequent transfers; your . Your liability will not exceed the amount of the unauthorized EFTs that occurred within with the 60-day period. You may also be liable for the amounts as described in sections 1 and 2 above. 4. If the report is made orally, we will require that you send the complaint or question in writing within 20 10 business days. We will notify you with the results of the investigation within 10 10* business days and will correct any error promptly. If more time is needed, however, we may take up to 45 45** days to investigate a complaint or question. If this occurs, we will credit your account within 10 10** business days for the amount you think is in error. This will allow you to use the money during the time it takes us to complete out our investigation. If your complaint or question is not received in writing within 10 business days, we may not credit your account until the investigation is completed. If an alleged error involves an electronic fund transfer outside a state or territory or possession of the United StatedStates, the applicable time periods for action by us are 20 business days (instead of 10) and 90 calendar days (instead of 45). If we determine that no error occurred, we will send you a written explanation within three business days after the investigation is complete. You may request copies of the documents that were used in the investigation. * If you give notice of an error occurring within 30 days after you make the first deposit to your account, we may take up to 20 business days instead of ten (10) business days to investigate the error. ** If you give notice of an error occurring within 30 days after you make the first deposit to your account, notice of an error involving a point-of-sale (POS) transaction, or notice of an error involving a transaction initiated outside the U.S., its possessions and territories, we may take up to 90 days instead of 45 days to investigate the error. Additionally, for errors occurring within the first 30 days after you make the first deposit, we may take up to 20 business days instead of ten (10) business days to credit your account. 5. You may notify the Credit Union by telephone, writing, or by email using the guest book provided online e-mail in our online banking Online Banking site. Notification by general e-mail to report an unauthorized transaction is not secure and therefore not advised.

Your Liability. The following determines your liability for any unauthorized EFT or any series of related unauthorized EFTs: 1. If you notify the Credit Union within two (2) business days after your password was lost or stolen, your liability will not exceed $50.00 or the amount of the unauthorized EFTs that occur before notification, whichever is less. 2. If you fail to notify the Credit Union within two (2) business days after your password was lost or stolen, your liability will not exceed the lesser of $500.00or 500.00 or the total of: • $50.00 or the amount of unauthorized EFTs that occur within the two (2) business days; and • The the total of authorized EFTs which occur during the two (2) days before notification to the Credit Union, provided the Credit Union establishes that these EFTs would not have occurred had the Credit Union been notified within that two-day period. 3. You must report an unauthorized EFT that appears on your periodic statement, no later than 60 days of from transmittal of the statement to avoid liability for subsequent transfers; your . Your liability will not exceed the amount of the unauthorized EFTs that occurred within with the 60-day period. You may also be liable for the amounts as described in sections 1 and 2 above. 4. If the report is made orally, we will require that you send the complaint or question in writing within 20 business days. We will notify you with the results of the investigation within 10 business days and will correct any error promptly. If more time is needed, however, we may take up to 45 days to investigate a complaint or question. If this occurs, we will credit your account within 10 business days for the amount you think is in error. This will allow you to use the money during the time it takes us to complete out our investigation. If your complaint or question is not received in writing within 10 business days, we may not credit your account until the investigation is completed. If an alleged error involves an electronic fund transfer outside a state or territory or possession of the United StatedStates, the applicable time periods for action by us are 20 business days (instead of 10) and 90 calendar days (instead of 45). If we determine that no error occurred, we will send you a written explanation within three business days after the investigation is complete. You may request copies of the documents that were used in the investigation. 5. You may notify the Credit Union by telephone, writing, or by secure email using the guest book provided in our online banking sitewithin Online Banking. Notification by general e-mail to report an unauthorized transaction is not secure and therefore not advised.

Your Liability. The following determines your liability for any unauthorized EFT or any series of related unauthorized EFTs: 1. If you notify the Credit Union Bank within two (2) business days after your password was lost or stolen, your liability will not exceed $50.00 or the amount of the unauthorized EFTs that occur before notification, whichever is less. 2. If you fail to notify the Credit Union Bank within two (2) business days after your password was lost or stolen, your liability will not exceed the lesser of $500.00or 500.00 or the total of: • $50.00 or the amount of unauthorized EFTs that occur within the two (2) business days; and • The the total of authorized EFTs which occur during the two (2) days before notification to the Credit UnionBank, provided the Credit Union Bank establishes that these EFTs would not have occurred had the Credit Union Bank been notified within that two-day period. 3. You must report an unauthorized EFT that appears EFT, which appears, on your periodic statement, no later than 60 days of transmittal of the FIRST statement on which the problem or error appeared, to avoid liability for subsequent transfers; your . Your liability will not exceed the amount of the unauthorized EFTs that occurred within the 60-day period. You may also be liable for the amounts as described in sections 1 and 2 above. 4. If the report is made orally, we will require that you send the complaint or question in writing within 20 business days. We will notify you with the results of the investigation within 10 business days and will correct any error promptly. If more time is needed, however, we may take up to 45 days to investigate a complaint or question. If this occurs, we will credit your account within 10 business days for the amount you think is in error. This will allow you to use the money during the time it takes us to complete out our investigation. If your complaint or question is not received in writing within 10 business days, we may not credit your account until the investigation is completed. If an alleged error involves an electronic fund transfer outside a state or territory or possession of the United StatedStates, the applicable time periods for action by us are 20 business days (instead of 10) and 90 calendar days (instead of 45). If we determine that no error occurred, we will send you a written explanation within three business days after the investigation is complete. You may request copies of the documents that were used in the investigation. 5. You may notify the Credit Union Bank by telephone, writing, or by email using the guest book Guest Book provided in our online banking Online Banking site. Notification by general e-mail to report an unauthorized transaction is not secure and therefore not advised. 1. Your name and account number 2. A description of the error or the transfer in question and an explanation concerning why you believe it is an error or need more information 3. The dollar amount of the suspected error and date on which it occurred.

Your Liability. The following determines your liability for any unauthorized EFT or any series of related unauthorized EFTs: 1. If you notify the Credit Union Bank within two (2) business days after your password was lost or stolen, your liability will not exceed $50.00 or the amount of the unauthorized EFTs that occur before notification, whichever is less. 2. If you fail to notify the Credit Union Bank within two (2) business days after your password was lost or stolen, your liability will not exceed the lesser of $500.00or 500.00 or the total of: • $50.00 or the amount of unauthorized EFTs that occur within the two (2) business days; and • The the total of authorized EFTs which occur during the two (2) days before notification to the Credit UnionBank, provided the Credit Union Bank establishes that these EFTs would not have occurred had the Credit Union Bank been notified within that two-day period. 3. You must report an unauthorized EFT that appears on your periodic statement, no later than 60 days of transmittal of the statement to avoid liability for subsequent transfers; your . Your liability will not exceed the amount of the unauthorized EFTs that occurred within with the 60-day period. You may also be liable for the amounts as described in sections 1 and 2 above. 4. If the report is made orally, we will require that you send the complaint or question in writing within 20 business days. We will notify you with the results of the investigation within 10 business days and will correct any error promptly. If more time is needed, however, we may take up to 45 days to investigate a complaint or question. If this occurs, we will credit your account within 10 business days for the amount you think is in error. This will allow you to use the money during the time it takes us to complete out our investigation. If your complaint or question is not received in writing within 10 business days, we may not credit your account until the investigation is completed. If an alleged error involves an electronic fund transfer outside a state or territory or possession of the United StatedStates, the applicable time periods for action by us are 20 business days (instead of 10) and 90 calendar days (instead of 45). If we determine that no error occurred, we will send you a written explanation within three business days after the investigation is complete. You may request copies of the documents that were used in the investigation. 5. You may notify the Credit Union Bank by telephone, writing, or by email using the guest book Guest Book provided in our online banking Online Banking site. Notification by general e-mail to report an unauthorized transaction is not secure and therefore not advised.

Your Liability. The following determines your liability for any unauthorized EFT or any series of related or unauthorized EFTs: 1. ) If you notify the Credit Union FNB Osakis within two (2) business days after your password was lost or stolen, your liability will not exceed $50.00 or the amount of the unauthorized EFTs EFTS that occur before notification, whichever is less. 2. ) If you fail to notify the Credit Union FNB Osakis within two (2) business days after your password was lost or stolen, your liability will not exceed the lesser of $500.00or 500.00 or the total of: • : a. $50.00 or the amount of unauthorized EFTs that occur within the two (2) business days; and • and b. The total of authorized EFTs which occur during the two (2) days before notification to the Credit UnionFinancial Institution, provided the Credit Union FNB Osakis establishes that these EFTs would not have occurred had the Credit Union Financial Institution been notified within that two-day period. 3. You ) If you are a consumer, you must report an unauthorized EFT that which appears on your periodic statement, no later than 60 days of transmittal of the statement to avoid liability for subsequent transfers; your . Your liability will not exceed the amount of the unauthorized EFTs that occurred within the 60-60 day period. If you are a business or commercial user, you must report an unauthorized EFT which appears on your recent activity within 24 hours. You may also be liable for the amounts as described in sections 1 and 2 above. Failure to notify FNB Xxxxxx may mean that you do not get your money back, provided that we can prove that we could have stopped someone from taking the money had you told us in time. 4. ) If the report is made orally, we will require that you send the complaint or question in writing within 20 business days. We will notify you with the results of the investigation within 10 business days and will correct any error promptly. If more time is needed, needed however, we may take up to 45 days to investigate a complaint or question. If this occurs, we will credit your account within 10 business days for the amount you think is in error. This will allow you to use the money during the time it takes us to complete out our investigation. If your complaint or question is not received in writing within 10 business days, we may not credit your account until the investigation is completed. If an alleged error involves an electronic fund transfer outside a state or territory or possession of the United StatedStates, the applicable time periods for action by us are 20 business days (instead of 10) and 90 calendar days (instead of 45). If we determine that no error occurred, we will send you a written explanation within three business days after the investigation is complete. You may request copies of the documents that were used in the investigation. 5. ) You may notify the Credit Union us by telephone, in writing, or by email using the guest book secure email form provided in within our online banking siteOnline Banking service. Notification by general e-mail email to report an unauthorized transaction is not secure and therefore not advised.

Your Liability. The following determines your liability for any unauthorized EFT or any series of related unauthorized EFTs: 1. : If you notify the Credit Union Bank within two (2) business days after your password was lost or stolen, your liability will not exceed $50.00 or the amount of the unauthorized EFTs that occur before notification, whichever is less. 2. less If you fail to notify the Credit Union Bank within two (2) business days after your password was lost or stolen, your liability will not exceed the lesser of $500.00or 500.00 or the total of: • $50.00 or the amount of unauthorized EFTs that occur within the two (2) business days; and • The the total of authorized EFTs which occur during the two (2) days before notification to the Credit UnionBank, provided the Credit Union Bank establishes that these EFTs would not have occurred had the Credit Union Bank been notified within that two-day period. 3. You must report an unauthorized EFT that appears on your periodic statement, no later than 60 days of transmittal of the statement to avoid liability for subsequent transfers; your . Your liability will not exceed the amount of the unauthorized EFTs that occurred within with the 60-day period. You may also be liable for the amounts as described in sections 1 and 2 above. 4. If the report is made orally, we will require that you send the complaint or question in writing within 20 business days. We will notify you with the results of the investigation within 10 business days and will correct any error promptly. If more time is needed, however, we may take up to 45 days to investigate a complaint or question. If this occurs, we will credit your account within 10 business days for the amount you think is in error. This will allow you to use the money during the time it takes us to complete out our investigation. If your complaint or question is not received in writing within 10 business days, we may not credit your account until the investigation is completed. If an alleged error involves an electronic fund transfer outside a state or territory or possession of the United StatedStates, the applicable time periods for action by us are 20 business days (instead of 10) and 90 calendar days (instead of 45). If we determine that no error occurred, we will send you a written explanation within three business days after the investigation is complete. You may request copies of the documents that were used in the investigation. 5. You may notify the Credit Union Bank by telephone, writing, or by email using the guest book Guest Book provided in our online banking Online Banking site. Notification by general e-mail to report an unauthorized transaction is not secure and therefore not advised.

Your Liability. The following determines your liability for any unauthorized EFT or any series of related unauthorized EFTs: 1. If you notify the Credit Union within two (2) business days after your password was lost or stolen, your liability will not exceed $50.00 or the amount of the unauthorized EFTs that occur before notification, whichever is less. 2. If you fail to notify the Credit Union within two (2) business days after your password was lost or stolen, your liability will not exceed the lesser of $500.00or 500.00 or the total of: • $50.00 or the amount of unauthorized EFTs that occur within the two (2) business days; and • The the total of authorized EFTs which occur during the two (2) days before notification to the Credit Union, provided the Credit Union establishes that these EFTs would not have occurred had the Credit Union been notified within that two-day period. 3. You must report an unauthorized EFT that appears on your periodic statement, no later than 60 days of transmittal of the statement to avoid liability for subsequent transfers; your . Your liability will not exceed the amount of the unauthorized EFTs that occurred within with the 60-day period. You may also be liable for the amounts as described in sections 1 and 2 above. 4. If the report is made orally, we will require that you send the complaint or question in writing within 20 business days. We will notify you with the results of the investigation within 10 business days and will correct any error promptly. If more time is needed, however, we may take up to 45 days to investigate a complaint or question. If this occurs, we will credit your account within 10 business days for the amount you think is in error. This will allow you to use the money during the time it takes us to complete out our investigation. If your complaint or question is not received in writing within 10 business days, we may not credit your account until the investigation is completed. If an alleged error involves an electronic fund transfer outside a state or territory or possession of the United StatedStates, the applicable time periods for action by us are 20 business days (instead of 10) and 90 calendar days (instead of 45). If we determine that no error occurred, we will send you a written explanation within three business days after the investigation is complete. You may request copies of the documents that were used in the investigation. 5. You may notify the Credit Union by telephone, writing, or by email using the guest book Secure Email link provided in our online banking Online Banking site. Notification by general e-mail email to report an unauthorized transaction is not secure and therefore not advised. We must hear from you at the telephone number or address, listed above, no later than 60 days after we sent you the FIRST statement on which the problem or error appeared. We will need: 1. Your name and account number 2. A description of the error or the transfer in question and an explanation concerning why you believe it is an error or need more information 3. The dollar amount of the suspected error and date on which it occurred.

Your Liability. The following determines your liability for any unauthorized EFT or any series of related unauthorized EFTs: 1. If you notify the Credit Union Bank within two (2) business days after your password was lost or stolen, your liability will not exceed $50.00 or the amount of the unauthorized EFTs that occur before notification, whichever is less. 2. If you fail to notify the Credit Union Bank within two (2) business days after your password was lost or stolen, your liability will not exceed the lesser of $500.00or 500.00 or the total ofof : • $50.00 or the amount of unauthorized EFTs that occur within the two (2) business days; and • The the total of authorized EFTs which occur during the two (2) days before notification to the Credit UnionBank, provided the Credit Union Bank establishes that these EFTs would not have occurred had the Credit Union Bank been notified within that two-day period. 3. You must report an unauthorized EFT that appears on your periodic statement, no later than 60 days of transmittal of the statement to avoid liability for subsequent transfers; your . Your liability will not exceed the amount of the unauthorized EFTs that occurred within with the 60-day period. You may also be liable for the amounts as described in sections 1 and 2 above. 4. If the report is made orally, we will require that you send the complaint or question in writing within 20 business daysdays via regular mail. We will notify you with the results of the investigation within 10 business days and will correct any error promptly. If more time is needed, however, we may take up to 45 days to investigate a complaint or question. If this occurs, we will credit your account within 10 business days for the amount you think is in error. This will allow you to use the money during the time it takes us to complete out our investigation. If your complaint or question is not received in writing within 10 business days, we may not credit your account until the investigation is completed. If an alleged error involves an electronic fund transfer outside a state or territory or possession of the United StatedStates, the applicable time periods for action by us are 20 business days (instead of 10) and 90 calendar days (instead of 45). If we determine that no error occurred, we will send you a written explanation within three business days after the investigation is complete. You may request copies of the documents that were used in the investigation. 5. You may notify the Credit Union Bank by telephone, writing, or by email e-mail using the guest book e-mail link provided in on our online banking Online Banking site. Notification by general e-mail to report an unauthorized transaction is not secure and therefore not advised.

Your Liability. The following determines your liability for any unauthorized EFT or any series of related unauthorized EFTs: 1. If you notify the Credit Union within two (2) business days after your password was lost or stolen, your liability will not exceed $50.00 or the amount of the unauthorized EFTs that occur before notification, whichever is less. 2. If you fail to notify the Credit Union within two (2) business days after your password was lost or stolen, your liability will not exceed the lesser of $500.00or 500.00 or the total of: •  $50.00 or the amount of unauthorized EFTs that occur within the two (2) business days; and •  The total of authorized EFTs which occur during the two (2) days before notification to the Credit Union, provided the Credit Union establishes that these EFTs would not have occurred had the Credit Union Bank been notified within that two-day period. 3. You must report an unauthorized EFT that which appears on your periodic statement, no later than 60 days of transmittal of the statement to avoid liability for subsequent transfers; your . Your liability will not exceed the amount of the unauthorized EFTs that occurred within with the 60-day period. You may also be liable for the amounts as described in sections 1 and 2 above. 4. If the report is made orally, we will require that you send the complaint or question in writing within 20 10 business days. We will notify you with the results of the investigation within 10 business days and will correct any error promptly. If more time is needed, however, we may take up to 45 days to investigate a complaint or question. If this occurs, we will credit your account within 10 business days for the amount you think is in error. This will allow you to use the money during the time it takes us to complete out our investigation. If your complaint or question is not received in writing within 10 business days, we may not credit your account until the investigation is completed. If an alleged error involves an electronic fund transfer outside a state or territory or possession of the United StatedStates, the applicable time periods for action by us are 20 business days (instead of 10) and 90 calendar days (instead of 45). If we determine that no error occurred, we will send you a written explanation within three business days after the investigation is complete. You may request copies of the documents that were used in the investigation. 5. You may notify the Credit Union by telephone, telephone or writing, or by email using the guest book provided in our online banking site. Notification by general e-mail to report an unauthorized transaction is not secure and therefore not advised.

Your Liability. The following determines your liability You are responsible for any unauthorized all EFT or any series of related unauthorized EFTs: 1transactions you authorize. If you notify the Credit Union permit someone else to use an EFT service, or your access code, you are responsible for any transactions they authorize or conduct on any of your accounts. Tell us at once if you believe someone has used your access code or otherwise accessed your accounts without your authority. i. If you tell us within two (2) business days after you have learned your password was lost or stolen, your liability will cannot exceed $50.00 or the amount of the unauthorized EFTs that occur before notification, whichever is less50.00. 2ii. If you fail to notify the Credit Union do NOT tell us within two (2) business days after you have learned of the loss or theft of your password, and we can prove that we could have stopped someone from using your password was lost or stolenwithout your permission if you had told us, your liability will cannot exceed the lesser of $500.00or the total of: • $50.00 or the amount of unauthorized EFTs that occur within the two (2) business days; and • The total of authorized EFTs which occur during the two (2) days before notification to the Credit Union, provided the Credit Union establishes that these EFTs would not have occurred had the Credit Union been notified within that two-day period500.00. 3iii. You must report an unauthorized EFT that transaction which appears on your periodic statement, no later than 60 days of transmittal of the statement statement, to avoid liability for subsequent transfers; your . Your liability will not exceed the amount of the unauthorized EFTs EFT's that occurred within the 60-60 day period. You may also be liable for the amounts as described in sections 1 and 2 above. 4iv. If the report is made orally, we will require that you send the complaint or question in writing within 20 within10 business days. We will notify you with the results of the investigation within 10 business days and will correct any error promptly. If more time is needed, however, we may take up to 45 days to investigate a complaint or question. If this occurs, we will credit your account within 10 ten (10) business days days, for the amount you think is in error. This will allow you to use the money during the time it takes us to complete out our investigation. If your complaint or question is questions are not received in writing within 10 business days, we may not credit your account until the investigation is completedcomplete. If an alleged error involves an electronic fund transfer outside a state or territory or possession of the United StatedStates, the applicable time periods for action by us are 20 business days (instead of 10) and 90 calendar days (instead of 45). If we determine that no error occurred, we will send you a written explanation within three (3) business days after the investigation is complete. You may request copies of the documents that were used in the investigation. 5. You may notify the Credit Union credit union by telephone, writing, or by email using the guest book provided in our online banking sitee-mail at XxxxxxXXX.xxx. Notification by general e-mail to report an unauthorized transaction is not secure and therefore not advised.

Your Liability. The following determines your liability for any unauthorized EFT or any series of related unauthorized EFTs: 1. If you notify the Credit Union Bank within two (2) business days after your password was lost or stolen, your liability will not exceed $50.00 or the amount of the unauthorized EFTs that occur before notification, whichever is less. 2. If you fail to notify the Credit Union Bank within two (2) business days after your password was lost or stolen, your liability will not exceed the lesser of $500.00or 500.00 or the total of: • $50.00 or the amount of unauthorized EFTs that occur within the two (2) business days; and • The the total of authorized EFTs which occur during the two (2) days before notification to the Credit UnionBank, provided the Credit Union Bank establishes that these EFTs would not have occurred had the Credit Union Bank been notified within that two-day period. 3. You must report an unauthorized EFT that appears on your periodic statement, no later than 60 days of transmittal of the statement to avoid liability for subsequent transfers; your . Your liability will not exceed the amount of the unauthorized EFTs that occurred within with the 60-day period. You may also be liable for the amounts as described in sections 1 and 2 above. 4. If the report is made orally, we will require that you send the complaint or question in writing within 20 business days. We will notify you with the results of the investigation within 10 business days and will correct any error promptly. If more time is needed, however, we may take up to 45 days to investigate a complaint or question. If this occurs, we will credit your account within 10 business days for the amount you think is in error. This will allow you to use the money during the time it takes us to complete out our investigation. If your complaint or question is not received in writing within 10 business days, we may not credit your account until the investigation is completed. If an alleged error involves an electronic fund transfer outside a state or territory or possession of the United StatedStates, the applicable time periods for action by us are 20 business days (instead of 10) and 90 calendar days (instead of 45). If we determine that no error occurred, we will send you a written explanation within three business days after the investigation is complete. You may request copies of the documents that were used in the investigation. 5. You may notify the Credit Union Bank by telephone, writing, or by email using the guest book email/message provided in our online banking Online Banking site. Notification by general e-mail to report an unauthorized transaction is not secure and therefore not advised.

Your Liability. The following determines your liability for any unauthorized EFT or any series of related unauthorized EFTs: 1. If you notify the Credit Union Bank within two (2) business days after your password was lost or stolen, your liability will not exceed $50.00 or the amount of the unauthorized EFTs that occur before notification, whichever is less. 2. If you fail to notify the Credit Union Bank within two (2) business days after your password was lost or stolen, your liability will not exceed the lesser of $500.00or 500.00 or the total of: •  $50.00 or the amount of unauthorized EFTs that occur within the two (2) business days; and • The  the total of authorized EFTs which occur during the two (2) days before notification to the Credit UnionBank, provided the Credit Union Bank establishes that these EFTs would not have occurred had the Credit Union Bank been notified within that two-day period. 3. You must report an unauthorized EFT that appears on your periodic statement, no later than 60 days of transmittal of the statement to avoid liability for subsequent transfers; your . Your liability will not exceed the amount of the unauthorized EFTs that occurred within with the 60-day period. You may also be liable for the amounts as described in sections 1 and 2 above. 4. If the report is made orally, we will require that you send the complaint or question in writing within 20 business days. We will notify you with the results of the investigation within 10 business days and will correct any error promptly. If more time is needed, however, we may take up to 45 days to investigate a complaint or question. If this occurs, we will credit your account within 10 business days for the amount you think is in error. This will allow you to use the money during the time it takes us to complete out our investigation. If your complaint or question is not received in writing within 10 business days, we may not credit your account until the investigation is completed. If an alleged error involves an electronic fund transfer outside a state or territory or possession of the United StatedStates, the applicable time periods for action by us are 20 business days (instead of 10) and 90 calendar days (instead of 45). If we determine that no error occurred, we will send you a written explanation within three business days after the investigation is complete. You may request copies of the documents that were used in the investigation. 5. You may notify the Credit Union Bank by telephone, writing, or by email using the guest book Guest Book provided in our online banking Online Banking site. Notification by general e-mail to report an unauthorized transaction is not secure and therefore not advised.

Your Liability. The following determines rules set forth below determine your liability for any unauthorized EFT or any series of related unauthorized EFTs:EFTs:‌ 1. If you notify the Credit Union within two permit other persons (2i.e. Authorized Persons) business days after to use your password was lost User ID, Password or stolenother Login Credentials for access to OB, your liability will not exceed $50.00 PFM Bill Payment, internal transfer, External Funds Transfer, Mobile Banking, mRDC, Text Banking, or the amount of the unauthorized EFTs that occur before notificationother Service(s) hereunder, whichever is less.you are responsible for any Account access, activity, transfers or transactions they make, schedule, initiate, perform, authorize or direct, as permitted by applicable law.‌ 2. If Notify us immediately if you fail believe your User ID, Password or other Login Credentials are lost, stolen or known to notify someone other than yourself, and/or you believe that someone has effected (or may effect) an unauthorized EFT (e.g. an electronic funds transfer money from any of your accounts or External Accounts; a payment from your Payment Account; or a P2P money transfer without permission, etc.). Calling us is the Credit Union within two (2) business days after best way of keeping your password was lost or stolen, your liability will not exceed the lesser of $500.00or the total of: • $50.00 or the amount of unauthorized EFTs that occur within the two (2) business days; and • The total of authorized EFTs which occur during the two (2) days before notification possible losses to the Credit Union, provided the Credit Union establishes that these EFTs would not have occurred had the Credit Union been notified within that two-day period.a minimum.‌ 3. You must report an Call the Bank immediately at (914) 902-APPLe (2775) if you suspect any unauthorized EFT that appears or fraudulent activity on your Account. For 24 hour/day reporting of lost or stolen cards, select option 8.‌ 4. If your periodic statementstatement shows any EFT transaction that you did not make, no later than 60 tell us immediately. If you do not notify us within sixty (60) days of transmittal of the first statement to avoid liability for subsequent transfers; your liability will showing one, you may not exceed get back any monies you have lost after the amount of the unauthorized EFTs that occurred within the 60-day period. You may also be liable for the amounts as described in sections 1 and 2 above. 4. If the report is made orally, we will require that you send the complaint or question in writing within 20 business days. sixty‌ We will notify you with the results of the investigation within 10 business days ten (10) Business Days after we hear from you and will correct any error promptly. If more time is needed, however, we may take up to 45 forty-five (45) days to investigate a complaint or questiona question related to a transaction. If this occurs, we will credit your account Account within 10 business days Business Days for the amount you think is in error. This will allow you to use the money during the time it takes us to complete out our investigation. If your complaint or question is not received in writing within 10 business days, we may not credit your account until the investigation is completed. If an alleged error involves an electronic fund transfer EFT outside a state or territory or possession of the United StatedStates, the applicable time periods for action by us are 20 business days twenty (20) Business Days (instead of 10) and 90 ninety-(90) calendar days (instead of 45). If we determine that no error occurred, we will send you a written explanation within three business days (3) Business Days after the investigation is complete. You may request copies of the documents that were used in the investigation. 5. investigation.‌ These limits on your possible liability for losses due to unauthorized EFT activity on your Accounts or Payment Account may not apply, to the extent permitted by law, if the Bank determines that you participated in fraudulent conduct in the handling of your User ID, Password, or other Login Credentials.‌ You may notify the Credit Union Bank verbally, by telephone, writing, or by email using the guest book provided in our through online banking siteor in writing. Notification by general e-mail to report an unauthorized transaction is not secure and therefore and, therefore, not advised.advised.‌

Your Liability. The following determines You are responsible for all transfers and payments you initiate and authorize using the eBRANCH Service. If you permit other persons to use the eBRANCH Service or your liability Password, you are responsible for any unauthorized EFT transactions they authorize from any of your accounts. Notify us IMMEDIATELY if you believe that your Password has been lost or stolen or that someone has used it or may use it to access the eBRANCH Service. Notifying ACCU by phone is the best way to limit your potential for loss. You could potentially lose all the money in your account plus any series available funds on your line(s) of related unauthorized EFTs: 1credit. Our telephone numbers and address appear under the section of this Agreement entitled "Our Contact Information". If you notify the Credit Union us within two (2) business days after learning or suspecting that your password Password was lost or lost, stolen, or used by someone without your liability will not exceed permission, you can lose no more than $50.00 or the amount of the unauthorized EFTs that occur before notification, whichever is less. 250.00. If you fail to do NOT notify the Credit Union us within two (2) business days after you learn of the loss or theft of your password was lost or stolenPassword, and we can prove we could have stopped someone from using your liability will Password without your permission had you told us, you could lose as much as $500. Also, if your statement shows transfers that you did not exceed the lesser of $500.00or the total of: • $50.00 or the amount of unauthorized EFTs that occur make, tell us AT ONCE. If you do not tell us within the two sixty (2) business days; and • The total of authorized EFTs which occur during the two (260) days before notification after the statement was mailed to you, you may not get back any money you lost after the Credit Unionsixty (60) days. If a good reason (such as a long trip or a hospital stay) kept you from telling us, provided we will extend the Credit Union establishes time periods. Call us or write us IMMEDIATELY at the telephone number or address described in the section of this Agreement entitled "Our Contact Information" if you think your statement is wrong (or shows transfers and transactions that these EFTs would you did not have occurred had the Credit Union been notified within that two-day period. 3authorize) or if you need more information about a transfer. You We must report an unauthorized EFT that appears on your periodic statement, hear from you no later than 60 sixty (60) days of transmittal of after we sent the FIRST statement on which the problem or error appeared. If you do not tell us within sixty (60) days after the statement was mailed to avoid liability for subsequent transfers; your liability will you, you may not exceed the amount of the unauthorized EFTs that occurred within recover funds lost after the 60-day period. You may also be liable for the amounts as described in sections 1 and 2 above. 4. If the report is made orally, we will require that you send the complaint or question in writing within 20 business days. We will notify you with the results of the investigation within 10 business days and will correct any error promptly. If more time is needed, however, we may take up to 45 days to investigate a complaint or question. If this occurs, we will credit your account within 10 business days for the amount you think is in error. This will allow you to use the money during the time it takes When contacting us to complete out investigation. If your complaint or question is not received in writing within 10 business days, we may not credit your account until the investigation is completed. If an alleged error involves an electronic fund transfer outside a state or territory or possession of the United Stated, the applicable time periods for action by us are 20 business days (instead of 10) and 90 calendar days (instead of 45). If we determine that no error occurred, we will send you a written explanation within three business days after the investigation is complete. You may request copies of the documents that were used in the investigation. 5. You may notify the Credit Union by telephone, writing, or by email using the guest book provided in our online banking site. Notification by general e-mail to report an unauthorized transaction is not secure and therefore not advised.error or make a claim:

Your Liability. The following determines your liability for any unauthorized EFT or any series of related unauthorized EFTs: 1. :  If you notify the Credit Union within two (2) business days after Bank that your password was lost or stolen, your liability will not exceed $50.00 or the amount of the unauthorized EFTs that occur before notification, whichever is less. 2. If you fail to notify the Credit Union within two (2) business days after your password was lost or stolen, your liability will not exceed the lesser of $500.00or the total of: • $50.00 or the amount of  You must report any unauthorized EFTs that occur within the two (2) business days; and • The total of authorized EFTs which occur during the two (2) days before notification to the Credit Union, provided the Credit Union establishes that these EFTs would not have occurred had the Credit Union been notified within that two-day period. 3. You must report an unauthorized EFT that appears appear on your periodic statement, statement no later than 60 days of after transmittal of the statement to avoid liability for subsequent transfers; your . Your liability will not exceed the amount $50.00 of the unauthorized EFTs that occurred within the 60-60- day period. You may also be liable for the amounts as described in sections 1 and 2 above. 4.  If the report is made orally, we will require that you send the complaint or question in writing within 20 10 business days. We will notify you with the results of the investigation within 10 business days and will correct any error promptly. If more time is needed, however, we may take up to 45 calendar days to investigate a complaint or question. If this occurs, we will credit your account within 10 business days for the amount you think is in error. This will allow you to use the money during the time it takes us to complete out our investigation. If your complaint or question is not received in writing within 10 business days, we may not credit your account until the investigation is completed. If an alleged error involves an electronic fund transfer outside a state or territory or possession of the United StatedStates or resulted from a POS debit card transaction, the applicable time periods for action by us are 20 business days (instead of 10) and 90 calendar business days (instead of 45). If we determine that no error occurred, we will send you a written explanation within three business days after the investigation is complete, and the provisional credit may be withdrawn from your account. You may request copies of the documents that were used in the investigation. 5.  You may notify the Credit Union Bank by telephone, in writing, or by email using the guest book provided in our online banking sitevisiting a local branch office. Notification by general e-mail to report an unauthorized transaction is not secure and therefore not advisedaccepted. We must hear from you at the telephone number or address, listed above, no later than 60 days after we sent you the FIRST statement on which the problem or error appeared. We will need:  Your name and account number  A description of the error or the transfer in question and an explanation concerning why you believe it is an error or need more information  The dollar amount of the suspected error and date on which it occurred.  Supporting documentation such as a transaction receipt, police report, or other applicable documents.

Your Liability. The following determines your liability for any unauthorized EFT or any series of related unauthorized EFTs: 1. If you notify the Credit Union Bank within two (2) business days after your password was lost or stolen, your liability will not exceed $50.00 or the amount of the unauthorized EFTs that occur before notification, whichever is less. 2. If you fail to notify the Credit Union Bank within two (2) business days after your password was lost or stolen, your liability will not exceed the lesser of $500.00or 500.00 or the total of: • ▪ $50.00 or the amount of unauthorized EFTs that occur within the two (2) business days; and • The ▪ the total of authorized EFTs which occur during the two (2) days before notification to the Credit UnionBank, provided the Credit Union Bank establishes that these EFTs would not have occurred had the Credit Union Bank been notified within that two-day period. 3. You must report an unauthorized EFT that which appears on your periodic statement, no later than 60 days of transmittal of the statement to avoid liability for subsequent transfers; your . Your liability will not exceed the amount of the unauthorized EFTs that occurred within with the 60-day period. You may also be liable for the amounts as described in sections 1 and 2 above. 4. If the report is made orally, we will may require that you send the us your complaint or question in writing within 20 10 business days. We will notify you with the results of the investigation within 10 business days and will correct any error promptly. If more time is needed, however, we may take up to 45 days to investigate a complaint or question. If this occurs, we will credit your account within 10 business days for the amount you think is in error. This will allow you to use the money during the time it takes us to complete out our investigation. If your complaint or question is not received in writing within 10 business days, we may not credit your account until the investigation is completed. If an alleged error involves an electronic fund transfer outside a state or territory or possession of the United StatedStates, the applicable time periods for action by us are 20 business days (instead of 10) and 90 calendar days (instead of 45). If we determine that no error occurred, we will send you a written explanation within three business days after the investigation is complete. You may request copies of the documents that were used in the investigation. 5. You may notify the Credit Union Bank by telephone, writing, or by email using the guest book provided in our online banking siteperson. Notification by general e-e- mail to report an unauthorized transaction is not secure and therefore not advised.

Your Liability. The following determines your liability for any unauthorized EFT or any series of related unauthorized EFTs: 1. If you notify the Credit Union Bank within two (2) business days after your password was lost or stolen, your liability will not exceed $50.00 or the amount of the unauthorized EFTs that occur before notification, whichever is less. 2. If you fail to notify the Credit Union Bank within two (2) business days after your password was lost or stolen, your liability will not exceed the lesser of $500.00or 500.00 or the total ofof : •  $50.00 or the amount of unauthorized EFTs that occur within the two (2) business days; and • The  the total of authorized EFTs which occur during the two (2) days before notification to the Credit UnionBank, provided the Credit Union Bank establishes that these EFTs would not have occurred had the Credit Union Bank been notified within that two-day period. 3. You must report an unauthorized EFT that appears on your periodic statement, no later than 60 days of transmittal of the statement to avoid liability for subsequent transfers; your . Your liability will not exceed the amount of the unauthorized EFTs that occurred within with the 60-day period. You may also be liable for the amounts as described in sections 1 and 2 above. 4. If the report is made orally, we will require that you send the complaint or question in writing within 20 business daysdays via regular mail. We will notify you with the results of the investigation within 10 business days and will correct any error promptly. If more time is needed, however, we may take up to 45 days to investigate a complaint or question. If this occurs, we will credit your account within 10 business days for the amount you think is in error. This will allow you to use the money during the time it takes us to complete out our investigation. If your complaint or question is not received in writing within 10 business days, we may not credit your account until the investigation is completed. If an alleged error involves an electronic fund transfer outside a state or territory or possession of the United StatedStates, the applicable time periods for action by us are 20 business days (instead of 10) and 90 calendar days (instead of 45). If we determine that no error occurred, we will send you a written explanation within three business days after the investigation is complete. You may request copies of the documents that were used in the investigation. 5. You may notify the Credit Union Bank by telephone, writing, or by email e-mail using the guest book e-mail link provided in on our online banking Online Banking site. Notification by general e-mail to report an unauthorized transaction is not secure and therefore not advised.

Your Liability. The following determines your liability for any unauthorized EFT or any series of related unauthorized EFTs: 1. If you notify the Credit Union within two (2) business days after your password confidential account information was lost or stolen, your liability will not exceed $50.00 or the amount of the unauthorized EFTs that occur before notification, whichever is less. 2. If you fail to notify the Credit Union within two (2) business days after your password personal account information was lost or stolen, your liability will not exceed the lesser of $500.00or 500.00 or the total of: • * $50.00 or the amount of unauthorized EFTs that occur within the two (2) business days; days; and • The * the total of authorized EFTs which occur during the two (2) days before notification to the Credit Union, provided the Credit Union establishes that these EFTs would not have occurred had the Credit Union been notified within that two-day two­day period. 3. You must report an unauthorized EFT that which appears on your periodic statement, no later than 60 days of transmittal of the statement to avoid liability for subsequent transfers; your . Your liability will not exceed the amount of the unauthorized EFTs that occurred within with the 60-day 60­day period. You may also be liable for the amounts as described in sections 1 and 2 above. 4. If the report is made orally, we will require that you send the complaint or question in writing within 20 business days. We will notify you with the results of the investigation within 10 5 business days and will correct any error promptly. If more time is needed, however, we may take up to 45 days to investigate a complaint or question. If this occurs, we will credit your account within 10 7 business days for the amount you think is in error. This will allow you to use the money during the time it takes us to complete out our investigation. If your complaint or question is not received in writing within 10 business days, we may not credit your account until the investigation is completed. If an alleged error involves an electronic fund transfer outside a state or territory or possession of the United StatedStates, the applicable time periods for action by us are 20 business days (instead of 10) and 90 calendar days (instead of 45). If we determine that no error occurred, we will send you a written explanation within three business days after the investigation is complete. You may request copies of the documents that were used in the investigation. 5. You may notify the Credit Union by telephone, by writing, or by email using the guest book provided in our online banking siteperson. Notification by general e-mail e­mail to report an unauthorized transaction is not secure and therefore not advised.