Common use of Your Responsibility and Liability for Unauthorized Transfers Clause in Contracts

Your Responsibility and Liability for Unauthorized Transfers. You agree to exercise reasonable control over your PIN; user ID; and password and any other access code related to your Card Account (each, an “Access Code”) and your Card. Tell us AT ONCE if you believe your Card has been lost or your Card or Access Code(s) have been stolen, or if you believe that an electronic funds transfer has been made without your permission. Contacting us by telephone as soon as possible is the best way to minimize your possible losses (see the section above entitled “How to Contact Us”). You could lose all the money in your Card Account. If you notify us within two (2) Business Days after you learn of the loss or theft of your Card, you can lose no more than $50.00 if someone used your Card without your permission. If you do not notify us within two (2) Business Days after you learn of the loss or theft of your Card and we can prove that we could have stopped someone from using your Card without your permission if you had promptly notified us, you could lose as much as $500.00. Also, if you become aware of and/or your electronic history shows transactions that you did not make, including those made by Card or other means, notify us at once following the procedures stated in the section labeled "Information About Your Right to Dispute Errors". If you do not notify us within sixty (60) days from the earlier of the date you electronically access your Card Account or the date we sent the FIRST written history on which the unauthorized transfer appeared, then you may not get back any money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. In the event you lose your Card or if it’s stolen, we will block the Card as soon as we have been notified by you. Please report this immediately by calling our Customer Service number (see the section above entitled “How to Contact Us”). The card will be re-issued and mailed to you; however, the expiration date may be the same as the original issued expiration date. If the Card is lost or stolen while traveling overseas, we will re-issue the card; however, the card will be mailed to your home address we have on record. Cards will only be delivered outside of the USA at our discretion. We may assess a fee for the Replacement Card. See the accompanying Fee Schedule for information about the fees. You agree to cooperate completely with us in attempts to recover funds from unauthorized users and to assist in their prosecution. If you share your Card or Access Code(s) with another person, use of your Card Account by that person may be considered as authorized. If you authorize another person to use your Card or Access Code(s), you agree that you will be liable for all transactions arising from use of the Card or Access Code(s) by such person except as otherwise set forth in this Agreement. In all cases, our liability for an unauthorized transaction is limited to reimbursing you for the face amount of the unauthorized transaction and any corresponding fees, except as otherwise required by applicable law.

Your Responsibility and Liability for Unauthorized Transfers. You agree are responsible for all transfers and payments you initiate and authorize using Copper State Online. If you permit other persons to exercise reasonable control over your PIN; user ID; and password and any other access code related to your Card Account (each, an “Access Code”) use Copper State Online and your CardUser ID and Password, you are responsible for any transactions they authorize from any of your accounts. Tell Notify us AT ONCE IMMEDIATELY if you believe that your Card User ID and Password has been lost or stolen or that someone has used it or may use it to access your Card or Access Code(s) have been stolen, or if you believe that an electronic funds accounts and transfer has been made money without your permission. Contacting us by telephone as soon as possible Telephoning is the best way to minimize of keeping your possible losses (see the section above entitled “How to Contact Us”)down. You could lose all the money in your Card Accountaccount plus any available credit on your line(s) of credit. The Credit Union Telephone Number is: 000.000.0000 or 800.224.3330 (Outside Maricopa County.) Our Address is: Copper State Credit Union, 00000 X 00xx Xxx., Xxxxxxx, XX 00000. If you notify us within two (2) Business Days business days after learning or suspecting that your Password was lost, stolen, or used by someone without your permission, you can lose no more than $50.00. If you do NOT notify us within two (2) business days after you learn of the loss or theft of your CardPassword, you can lose no more than $50.00 if someone used your Card without your permission. If you do not notify us within two (2) Business Days after you learn of the loss or theft of your Card and we can prove that we could have stopped someone from using your Card Password without your permission if had you had promptly notified told us, you could lose as much as $500.00. Also, if you become aware of and/or your electronic history statement shows transactions transfers or payments that you did not make, including those made by Card or other means, notify tell us at once following the procedures stated in the section labeled "Information About Your Right to Dispute Errors"AT ONCE. If you do not notify tell us within sixty (60) 60 days from after the earlier of the date you electronically access your Card Account or the date we sent the FIRST written history on which the unauthorized transfer appearedstatement was mailed to you, then you may not get back any money you lost after the sixty (60) 60 days if we can prove that we could have stopped prevented someone from taking the money if had 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. In the event you lose your Card IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC FUNDS TRANSFERS OR ELECTRONIC STATEMENT: Call us at 000.000.0000 or if it’s stolen800.224.3330 (Outside Maricopa County) or write us at Copper State Credit Union, we will block the Card 00000 X 00xx Xxx, Xxxxxxx, XX 00000, as soon as we have been notified by you. Please report this immediately by calling our Customer Service number (see the section above entitled “How to Contact Us”). The card will be re-issued and mailed to you; however, the expiration date may be the same as the original issued expiration date. If the Card is lost or stolen while traveling overseas, we will re-issue the card; however, the card will be mailed to your home address we have on record. Cards will only be delivered outside of the USA at our discretion. We may assess a fee for the Replacement Card. See the accompanying Fee Schedule for information about the fees. You agree to cooperate completely with us in attempts to recover funds from unauthorized users and to assist in their prosecutionyou can. If you share think your Card statement is wrong (or Access Code(s) with another person, use of your Card Account by that person may be considered as authorized. If you authorize another person to use your Card or Access Code(s), you agree shows transactions that you will be liable for all transactions arising did not authorize) or if you need more information about a transaction, we must hear from use of you no later than 60 days after we sent the Card FIRST statement on which the problem or Access Code(s) by such person except as otherwise set forth in this Agreement. In all cases, our liability for an unauthorized transaction is limited to reimbursing you for the face amount of the unauthorized transaction and any corresponding fees, except as otherwise required by applicable lawerror appeared.

Your Responsibility and Liability for Unauthorized Transfers. You agree to exercise reasonable control over your PIN; user ID; and password and any other access code related to your Card Account (each, an “Access Code”) and your Card. Tell us AT ONCE if you believe your Card has been lost or your Card or Access Code(s) have been stolen, or if you believe that an electronic funds transfer has been made without your permission. Contacting us by telephone as soon as possible is the best way to minimize your possible losses (see the section above entitled “How to Contact Us”). You could lose all the money in your Card Account. If you notify us within two (2) Business Days after you learn of the loss or theft of your Card, you can lose no more than $50.00 if someone used your Card without your permission. If you do not notify us within two (2) Business Days after you learn of the loss or theft of your Card and we can prove that we could have stopped someone from using your Card without your permission if you had promptly notified us, you could lose as much as $500.00. Also, if you become aware of and/or your electronic history shows transactions that you did not make, including those made by Card or other means, notify us at once following the procedures stated in the section labeled "Information About Your Right to Dispute Errors". If you do not notify us within sixty (60) days from the earlier of the date you electronically access your Card Account or the date we sent the FIRST written history on which the unauthorized transfer appeared, then you may not get back any money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. In the event you lose your Card or if it’s stolen, we will block the Card as soon as we have been notified by you. Please report this immediately by calling our Customer Service number (see the section above entitled “How to Contact Us”). The card will be re-issued and mailed to you; however, however the expiration date may will be the same as the original issued expiration date. If the Card is lost or stolen while traveling overseas, we will re-issue the card; however, however the card will be mailed to your home address we have on record. Cards will only be delivered outside of the USA at our discretion. We may assess a fee for the Replacement Card. See the accompanying Fee Schedule for information about the fees. You agree to cooperate completely with us in attempts to recover funds from unauthorized users and to assist in their prosecution. If you share your Card or Access Code(s) with another person, use of your Card Account by that person may be considered as authorized. If you authorize another person to use your Card or Access Code(s), you agree that you will be liable for all transactions arising from use of the Card or Access Code(s) by such person except as otherwise set forth in this Agreement. In all cases, our liability for an unauthorized transaction is limited to reimbursing you for the face amount of the unauthorized transaction and any corresponding fees, except as otherwise required by applicable law.

Your Responsibility and Liability for Unauthorized Transfers. You do not have the right to stop a payment or purchase transaction originated by the use of your Card, which you authorized. You agree to exercise reasonable control over your PIN; user ID; and password and any other access code related to your Card Account (each, an “Access Code”) and your Card. Tell us AT ONCE if you believe your Card has been lost or your Card or Access Code(s) have been stolen, or if you believe that an electronic funds transfer has been made without your permission. Contacting us by telephone as soon as possible is the best way to minimize your possible losses (see the section above entitled “How to Contact Us”). You could lose all the money in your Card AccountAvailable Balance. If you notify us within two (2) Business Days after you learn of the loss or theft of your Card, you can lose no more than $50.00 if someone used your Card without your permission. If you do not notify us within two (2) Business Days after you learn of the loss or theft of your Card and we can prove that we could have stopped someone from using your Card without your permission if you had promptly notified us, you could lose as much as $500.00. Also, if you become aware of and/or your electronic history shows transactions that you did not make, including those made by Card or other means, notify us at once following the procedures stated in the section labeled "Information About Your Right to Dispute Errors". If you do not notify us within sixty (60) days from the earlier of the date you electronically access your Card Account or the date we sent the FIRST written history on which the unauthorized transfer appeared, then you may not get back any money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. In the event you lose your Card or if it’s stolen, we will block the Card as soon as we have been notified by you. Please report this immediately by calling our Customer Service number (see the section above entitled “How to Contact Us”). The card Card will be re-issued and mailed to you; however, however the expiration date may be the same as the original issued expiration date. If the Card is lost or stolen while traveling overseas, we will re-issue the card; howeverCard, however the card Card will be mailed to your home address we have on record. Cards will only be delivered outside of the USA at our discretion. We may assess a fee for the Replacement Card. See the accompanying Fee Schedule for information about the fees. You agree to cooperate completely with us in attempts to recover funds from unauthorized users and to assist in their prosecution. If you share your Card or Access Code(s) with another person, use of your Card Account or Card Number by that person may be considered as authorized. If you authorize another person to use your Card, Card Number, or Access Code(s), you agree that you will be liable for all transactions arising from use of the Card, Card Number, or Access Code(s) by such person except as otherwise set forth in this Agreement. In all cases, our liability for an unauthorized transaction is limited to reimbursing you for the face amount of the unauthorized transaction and any corresponding fees, except as otherwise required by applicable law.