Common use of YOUR MAXIMUM LIABILITY FOR UNAUTHORIZED TRANSFERS Clause in Contracts

YOUR MAXIMUM LIABILITY FOR UNAUTHORIZED TRANSFERS. Failure to notify us promptly may cause you to lose all of the money in your account (plus your maximum overdraft line of credit, if applicable). If you tell us within 2 Business Days after you learn of the loss or theft of your Access Device, User ID, or Password for Online Services, you can lose no more than $50 if someone used your Access Device, User ID, or Password for Online Services without your permission. If you do NOT tell us within 2 Business Days after you learn of the loss or theft of your Access Device, User ID, or Password for Online Services, and we can prove we could have stopped someone from using your ATM card, Debit Card, User ID, or Password for Online Services without your permission if you had told us, you could lose as much as $500. Also, if your account statement shows transfers that you did not make, including those made by ATM card, Debit Card, or via our Online Services or via 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. In our sole determination, if we determine that extenuating circumstances exist that would prevent you from reviewing your periodic statements and notifying us accordingly of unauthorized use, we shall extend the time period allowed for providing such notice to us. Examples of extenuating circumstances include extended travel or hospitalization.