Common use of Your Liability Clause in Contracts

Your Liability. Tell Us AT ONCE if You believe Your Card or the Personal Identi- fication Number (PIN) used to access Your Account using the Card, has been lost or stolen, or if You believe that an electronic fund transfer has been made without Your permis- sion using information from Your check. Telephoning is the best way of keeping Your possible losses down. You could lose all the money in Your Account (plus Your maximum overdraft line of credit). If You tell Us within 2 business days after You learn of the loss or theft of Your Card and/or PIN, You can lose no more than $50 if someone used Your card without Your permission. If You do NOT tell Us within 2 business days after You learn of the loss or theft of Your Card and/or PIN, and We can prove We could have stopped someone from using Your Card without Your permission if You had told Us, You could lose as much as $500. Also, if Your statement shows transfers that You did not make, including those made by Card, PIN or other means, tell Us AT ONCE. If You do not tell Us within 60 days after the statement was mailed to You, You may not get back any money You lost after the 60 days if We can prove that We could have stopped someone from taking the money if You had told Us in time. If a good reason (such as a long trip or a hospital stay) kept You from telling Us, We will extend the time periods. If You believe Your Card and/or PIN has been lost or stolen, call or write Us. You should also call the number or write to the address listed above if You believe a transfer has been made using the information from Your check without Your permission.

Your Liability. Tell Us us AT ONCE if You you believe Your your Card or the Personal Identi- fication Number (PIN) used to access Your Account using the Card, PIN has been lost or stolen, or if You you believe that an electronic fund transfer has been made without Your permis- sion using information from Your checkyour permission. Telephoning is the best way of keeping Your your possible losses down. You could lose all the money in Your Account your account (plus Your your maximum overdraft line of credit). If You credit).If you tell Us us within 2 two business days after You you learn of the loss or theft of Your your Card and/or or PIN, You you can lose no more than $50 if someone used Your card your Card or PIN without Your your permission. If You you do NOT tell Us us within 2 two business days after You you learn of the loss or theft of Your your Card and/or or PIN, and We we can prove We we could have stopped someone from using Your your Card or PIN without Your your permission if You you had told Usus, You you could lose as much as $500. Also, if Your your statement shows transfers that You you did not make, including those made by Card, PIN or other means, tell Us AT ONCEus at once. If You you do not tell Us us within 60 days after the statement was mailed to Youyou or posted online (for electronic statements), You you may not get back any money You you lost after the 60 days if We we can prove that We we could have stopped someone from taking the money if You you had told Us us in time. If a good reason (such as a long trip or a hospital stay) kept You you from telling Usus, We we will extend the time periods. If You you believe Your your Card and/or or PIN has been lost or stolen, call call: (000) 000-0000 or write Us. You should also call the number toll-free at 1-800-342-8422 or write to the address listed above if You believe a transfer has been made using the information from Your check without Your permission.write: Central Pacific Bank Attn: Electronic Banking Department X.X. Xxx 0000 Xxxxxxxx, XX 00000-0000

Your Liability. Tell Us AT ONCE if You believe Your Card or the Personal Identi- fication Identification Number (PIN) used to access Your Account using the Card, has been lost or stolen, or if You believe that an electronic fund transfer has been made without Your permis- sion permission using information from Your check. Telephoning is the best way of keeping Your possible losses down. You could lose all the money in Your Account (plus Your maximum overdraft line of credit). If You tell Us within 2 business days after You learn of the loss or theft of Your Card and/or PIN, You can lose no more than $50 if someone used Your card without Your permission. If You do NOT tell Us within 2 business days after You learn of the loss or theft of Your Card and/or PIN, and We can prove We could have stopped someone from using Your Card without Your permission if You had told Us, You could lose as much as $500. Also, if Your statement shows transfers that You did not make, including those made by Card, PIN or other means, tell Us AT ONCE. If You do not tell Us within 60 days after the statement was mailed to You, You may not get back any money You lost after the 60 days if We can prove that We could have stopped someone from taking the money if You had told Us in time. If a good reason (such as a long trip or a hospital stay) kept You from telling Us, We will extend the time periods. If You believe Your Card and/or PIN has been lost or stolen, call or write Us. You should also call the number or write to the address listed above if You believe a transfer has been made using the information from Your check without Your permission.

Your Liability. The following determines your liability for any unauthorized EFT or any series of related unauthorized EFTs: 1. Tell Us us AT ONCE if You you believe Your Card your user ID or the Personal Identi- fication Number (PIN) used to access Your Account using the Card, password has been lost or stolen, or if You believe that an electronic fund transfer has been made without Your permis- sion using information from Your check. Telephoning is the best way of keeping Your your possible losses down. You could lose all the money in Your Account (plus Your maximum overdraft line of credit)your account. If You you believe your password has been lost or stolen, and you tell Us us within 2 two (2) business days after You you learn of the loss or theft, you can lose no more the $50.00 if someone used your user ID and password without your permission. 2. If you do NOT tell us within two (2) business days after you learn of the loss or theft of Your Card and/or PIN, You can lose no more than $50 if someone used Your card without Your permission. If You do NOT tell Us within 2 business days after You learn of the loss or theft of Your Card and/or PINyour password, and We we can prove We we could have stopped someone from using Your Card your password without Your your permission if You you had told Usus, You you could lose as much as $500500.00. 3. Also, if Your your statement shows transfers that You you did not make, including those made by Card, PIN or other means, tell Us us AT ONCE. If You you do not NOT tell Us us within 60 days after the statement was mailed to Youyou (or e-mailed for customers receiving eStatements), You you may not get back any money You you lost after the 60 days if We we can prove that We we could have stopped someone from taking the money if You you had told Us us in time. 4. If a good reason (such as a long trip or a hospital stay) kept You you from telling Usus, We we will extend the time periods. 5. If You you believe Your Card and/or PIN has your user ID or password have been lost or stolenstolen or that someone has transferred or may transfer money from your account without your permission, call or write Usus at the telephone number or address listed below. 6. You should also call are responsible for all transactions the number or write to the address listed above if You believe a transfer has been made person performs using the information from Your check without Your permissionService with your User ID and password. 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. Tell Us AT ONCE if You believe Your Card or the Personal Identi- fication Identifi- cation Number (PIN) used to access Your Account using the Card, has been lost or stolen, or if You believe that an electronic fund transfer has been made without Your permis- sion permission using information from Your check. Telephoning is the best way of keeping Your possible losses down. You could lose all the money in Your Account (plus Your maximum overdraft line of credit). If You tell Us within 2 business days after You learn of the loss or theft of Your Card and/or PIN, You can lose no more than $50 if someone used Your card without Your permissionpermis- sion. If You do NOT tell Us within 2 business days after You learn of the loss or theft of Your Card and/or PIN, and We can prove We could have stopped someone from using Your Card without Your permission if You had told Us, You could lose as much as $500. Also, if Your statement shows transfers that You did not make, including those made by Card, PIN or other means, tell Us AT ONCE. If You do not tell Us within 60 days after the statement was mailed to You, You may not get back any money You lost after the 60 days if We can prove that We could have stopped someone from taking the money if You had told Us in time. If a good reason (such as a long trip or a hospital stay) kept You from telling Us, We will extend the time periods. If You believe Your Card and/or PIN has been lost or stolen, call or write Us. You should also call the number or write to the address listed above in this document if You believe a transfer has been made using the information from Your check without Your permission.

Your Liability. Tell Us us AT ONCE if You you believe Your your Card or the Personal Identi- fication Number (PIN) used to access Your Account using the Card, has been lost or stolen, or if You believe that an electronic fund transfer has been made without Your permis- sion using information from Your check. Telephoning toll free at 0-000-000-0000 is the best way of keeping Your possible your losses down. You could lose all the money in Your Account IF YOU BELIEVE THAT YOUR CARD HAS BEEN STOLEN, OR THAT SOMEONE HAS TRANSFERED OR MAY TRANSFER MONEY FROM YOUR CARD ACCOUNT W ITHOUT YOUR PERMISSION, CALL US TOLL FREE AT 0-000-000-0000. IF AMERICAN 1 CU IS CLOSED AT THAT TIME, PLEASE CALL MASTERCARD DIRECTLY TO BLOCK YOUR CARD AT 0-000-000-0000. IF YOU NOTIFY US W ITHIN TW O (plus Your maximum overdraft line of credit)2) BUSINESS DAYS, YOU CAN LOSE NO MORE THAN $50.00. If You tell Us within 2 business days after You learn of the loss or theft of Your Card and/or PINIF SOMEONE USED YOUR CARD W ITHOUT YOUR PERMISSION. IF YOU DO NOT NOTIFY US W ITHIN TWO (2) BUSINESS DAYS AFTER YOU LEARN OF THE LOSS OR THEFT OF YOUR CARD AND W E CAN PROVE THAT WE COULD HAVE STOPPED SOMEONE FROM USING YOUR CARD W ITHOUT YOUR PERMISSION IF YOU HAD PROMPTLY NOTIFIED US, You can lose no more than YOU COULD LOSE AS MUCH AS $50 if someone used Your card without Your permission. If You do NOT tell Us within 2 business days after You learn of the loss or theft of Your Card and/or PIN, and We can prove We could have stopped someone from using Your Card without Your permission if You had told Us, You could lose as much as $500500.00. Also, if Your your statement shows transfers transactions that You you did not make, including those made by Card, PIN or other means, tell Us AT ONCEus at once. If You you do not tell Us us within 60 days after the statement was mailed made available to Youyou, You you may not get back any money You you lost after the 60 days if We we can prove that We we could have stopped someone from taking the money if You you had told Us us in timetime and you are grossly negligent or fraudulent in the handling of your card. If a good reason (such as a long trip or a hospital stay) kept You from telling Us, We your Card is stolen we will extend the time periods. If You believe Your close your Card and/or PIN has been lost or stolen, call or write Us. You should also call the number or write Account to the address listed above if You believe a transfer has been made using the information from Your check without Your permissionkeep losses down.

Your Liability. Tell Us Xxxxxx, our service provider, AT ONCE if You you believe Your Card or the Personal Identi- fication Number (PIN) used to access Your Account using the your Card, PIN or Account number has been lost or stolen, or if You you believe that an electronic fund transfer has been made without Your permis- sion using information from Your checkyour permission. Telephoning is the best way of keeping Your your possible losses down. You could lose all the money in Your Account (plus Your maximum overdraft line of credit)your account. You may call Xxxxxx at 000-000-0000 or email xxxxxxx@xxxxxx.xxx. If You tell Us we are notified within 2 business days after You you learn of the loss or theft of Your Card and/or PINyour Card, You PIN or Account number, you can lose no more than $50 if someone used Your card your Card, PIN or Account number without Your your permission. If You do NOT tell Us we are not made aware within 2 business days after You you learn of the loss or theft of Your Card and/or PINyour Card, PIN or Account number, and We we can prove We we could have stopped someone from using Your Card your Card, PIN or Account number without Your your permission if You we had told Usbeen notified, You you could lose as much as $500. Also, if Your your statement shows transfers that You you did not make, including those made by Cardcard, PIN code or other means, tell Us AT ONCEXxxxxx at once. If You you do not tell Us Xxxxxx within 60 days after the statement was mailed to Youyou, You you may not get back any money You you lost after the 60 days if We we can prove that We we could have stopped someone from taking the money if You we had told Us been notified in time. If a good reason (such as a long trip or a hospital stay) kept You you from telling UsXxxxxx, We we will extend the time periods. Your liability for use of your Card without your permission may be lower than that described above under special Mastercard® rules. If You believe Your your Card and/or PIN is used in connection with an unauthorized transaction, your liability for such unauthorized use will not exceed $0 if (i) you reported the loss or theft of your Card to Xxxxxx, and (ii) you did not act grossly negligent or fraudulently in handling your Card. In all other cases, the rules summarized in the paragraphs above in this section apply. If your Card has been lost or stolenstolen please notify Xxxxxx immediately and we will inactive your Card and send you a replacement Card at no charge. In some cases, call or write Uswe may close your Account to keep losses down. Upon your request, we may provide you with a replacement Card. You should may also call the number or write be entitled to the address listed above additional protections from Mastercard, if You believe a transfer has been made using the information from Your check without Your permissioneligible.

Your Liability. Tell Us AT ONCE if You believe Your Card or the Personal Identi- fication Iden- tification Number (PIN) used to access Your Account using the Card, has been lost or stolen, or if You believe that an electronic fund transfer has been made without Your permis- sion permission using information from Your check. Telephoning is the best way of keeping Your possible losses down. You could lose all the money in Your Account (plus Your maximum overdraft line of credit). If You tell Us within 2 business days after You learn of the loss or theft of Your Card and/or PIN, You can lose no more than $50 if someone used Your card without Your permission. If You do NOT tell Us within 2 business days after You learn of the loss or theft of Your Card and/or and/ or PIN, and We can prove We could have stopped someone from using Your Card without Your permission if You had told Us, You could lose as much as $500. Also, if Your statement shows transfers that You did not make, including those made by Card, PIN or other means, tell Us AT ONCE. If You do not tell Us within 60 days after the statement was mailed to You, You may not get back any money You lost after the 60 days if We can prove that We could have stopped someone from taking the money if You had told Us in time. If a good reason (such as a long trip or a hospital stay) kept You from telling Us, We will extend the time periods. If You believe Your Card and/or PIN has been lost or stolen, call or write Us. You should also call the number or write to the address listed above in this document if You believe a transfer has been made using the information from Your check without Your permission.

Your Liability. Tell Us Notify us AT ONCE if You believe Your Card you believe: (a) your card or the Personal Identi- fication Number (PIN) used to access Your Account using the Card, code has been lost or stolen, ; (b) your account may have been accessed without your authority; (c) if someone has transferred or may transfer money from your account without your permission; or (d) if You you believe that an electronic fund transfer has been made without Your permis- sion your permission using information from Your your check. Telephoning is the The best way to minimize your loss is to call us at 0 (000) 000-0000. However, you may also notify us in person or in writing at the address listed on page 2 of keeping Your possible losses downthis Agreement. You To report a lost or stolen ATM or Visa Debit Card after hours and on weekends, call 0 (000) 000-0000. If you do not notify us, you could lose all the money in Your Account your account (plus Your your maximum overdraft line of credit). If You you tell Us us within 2 two (2) business days after You you learn of the loss or theft of Your Card and/or PINyour card or code, You you can lose no more than $50 if someone used Your uses your card or code without Your your permission. If You you do NOT tell Us us within 2 business days after You you learn of the loss or theft of Your Card and/or PINyour card or code, and We we can prove We we could have stopped someone from using Your Card your card or code without Your your permission if You you had told Usus, You you could lose as much as $500. Also, if Your your statement shows transfers that You you did not make, including those made by Cardcard, PIN code or other means, tell Us AT ONCEus at once. If You you do not tell Us us within 60 days after the statement was mailed to Youyou, You you may not get back any money You you lost after the 60 days if We we can prove that We we could have stopped someone from taking the money if You you had told Us us in time. If a good reason (such as a long trip or a hospital stay) kept You you from telling Usus, We will we may extend the time periods. If You believe Your Card and/or PIN has been lost or stolen, call or write Us. You should also call the number or write to the address listed above if You believe a transfer has been made using the information from Your check without Your permission.

Your Liability. Tell Us us AT ONCE if You you believe Your Card or the Personal Identi- fication Number (PIN) used to access Your Account using the your Card, has PIN, or Account Number have been lost or stolen, stolen or if You believe that an electronic fund transfer has your funds have been made transferred from your Account without Your permis- sion using information from Your checkyour permission. Telephoning is the best way of keeping Your your possible losses down. You could lose all of the money in Your Account (plus Your maximum overdraft line of credit)your account. If You you tell Us us within 2 business days after You you learn of the loss or theft of Your Card and/or your Card, PIN, You or Account Number, you can lose no more than $50 if someone used Your card your Card, PIN, or Account Number without Your your permission. If You you do NOT tell Us us within 2 business days after You you learn of the loss or theft of Your Card and/or your Card, PIN, or Account Number, and We we can prove We we could have stopped someone from using Your Card your Card, PIN, or Account Number without Your your permission if You you had told Usus, You you could lose as much as $500. Also, if Your statement your online or written transaction history shows transfers that You you did not make, including those made by Cardcard, PIN PIN, code or other means, tell Us AT ONCEus at once. If You you do not tell Us us within 60 days after after: (i) you electronically access your Account, if the statement was mailed to Youtransfers could be viewed in your electronic history, You or (ii) the date we sent the first written history of your Account transactions on which the transfers appeared, you may not get back any money You value in your Account that you lost after the 60 days if We we can prove that We we could have stopped someone from taking the money value in your Account if You you had told Us us in time. If a good reason (such as a long trip or a hospital stay) kept You you from telling Usus, We we will extend the time periods. Contact in event of unauthorized transfer. If You you believe Your Card and/or your Card, PIN or Account Number has been lost or stolen, call 0-(000) 000-0000 or write Us. You should also call the number or write to the address listed above if You believe a transfer has been made using the information from Your check without Your permissionwrite: Stretch Finance Corporation PO Box 195097 Dallas TX 75219.

Your Liability. You are responsible for all transfers you authorize using Connect24. If you permit other persons to use Connect24 or your User ID or password, you are responsible for any transactions they authorize from your Accounts. Tell Us us AT ONCE if You you believe Your Card or the Personal Identi- fication Number (PIN) used to access Your Account using the Card, your User ID and/or password has been lost or stolen. Telephoning, or if You believe that an electronic fund transfer has been made without Your permis- sion using information from Your check. Telephoning as provided in Section 9, is the best way of keeping Your your possible losses down. You could lose all the money in Your Account (plus Your maximum overdraft line your deposit accounts and your Overdraft Line of credit)Credit. If You you tell Us us within 2 two (2) business days, you can lose no more than $50 from each deposit account if someone used your User ID and password to access your deposit account without your permission. If you do NOT tell us within two (2) business days after You you learn of the loss or theft of Your Card and/or PIN, You can lose no more than $50 if someone used Your card without Your permission. If You do NOT tell Us within 2 business days after You learn of the loss your User ID or theft of Your Card and/or PINpassword, and We we can prove We we could have stopped someone from using Your Card your User ID or password without Your your permission if You you had told Usus, You you could lose as much as $500500 from each deposit account. Also, if Your your statement shows transfers from a deposit account that You you did not make, including those made by Card, PIN or other means, tell Us AT ONCEus at once. If You you do not tell Us us within 60 days after the statement was mailed to Youyou, You you may not get back any money You you lost after the 60 days if We we can prove that We we could have stopped someone from taking the money if You you had told Us us in time. If a good reason (such as a long trip or a hospital stay) kept You you from telling Usus, We we will extend the time periods. If You believe Your Card and/or PIN has been lost or stolenWith regard to your Line of Credit Accounts, call or write Us. You should also call the number or write refer to the address listed above if You believe a transfer has been made using the information from Your check without Your permissionyour Line of Credit Account agreements for any applicable limitations on your liability in connection with unauthorized use of your Line of Credit Accounts.

Your Liability. You are responsible for all transfers you authorize under this agreement. If you permit other persons to use your PIN or Password, you are responsible for any transactions they authorize or conduct on any of your accounts. Tell Us us AT ONCE if You you believe Your Card your PIN (Personal Identification Number) or the Personal Identi- fication Number (PIN) used to access Your Account using the Card, Password has been lost or stolen, or if . You believe that an electronic fund transfer has been made without Your permis- sion using information from Your checkcould lose all the money in your account plus your maximum overdraft lines of credit. Telephoning is the best way of keeping Your your possible losses down. You could lose all the money in Your Account (plus Your maximum overdraft line of credit). If You you believe your PIN or Password has been lost or stolen, and you tell Us us within 2 two business days after You you learn of the loss or theft of Your Card and/or PINtheft, You you can lose no more than $50 if someone used Your card your PIN or Password without Your your permission. If You you do NOT tell Us us within 2 two business days after You you learn of the loss or theft of Your Card and/or PINyour PIN or Password, and We we can prove We we could have stopped someone from using Your Card your PIN or Password without Your your permission if You you had told Usus, You you could lose as much as $500. Also, if Your your statement shows transfers that You you did not make, including those made by Card, PIN or other means, tell Us us AT ONCE. If You you do not tell Us us within 60 sixty days after the statement was mailed to Youyou, You you may not get back any money You you lost after the 60 sixty days if We we can prove that We we could have stopped someone from taking the money if You you had told Us us in time. If a good reason (such as a long trip or a hospital stay) kept You you from telling Usus, We we will extend the time periods. If You believe Your Card and/or PIN has been lost or stolen, call or write Us. You should also call the number or write to the address listed above if You believe a transfer has been made using the information from Your check without Your permission.