Common use of YOUR RESPONSIBILITY TO NOTIFY US OF LOSS OR THEFT Clause in Contracts

YOUR RESPONSIBILITY TO NOTIFY US OF LOSS OR THEFT. If you believe your Debit Card or PIN or internet banking access code has been lost or stolen, call us at: (000)000-0000 (Banking hours: 8am - 5pm Monday - Friday; 8am - 11:30am Saturday) or (000)000- 0000 (outside of banking hours) or BankIowa write to: PO Box 000 000 Xxxxx Xx Xxxx Xxxxxxxxxxxx, XX 00000 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. CONSUMER LIABILITY. Tell us AT ONCE if you believe your Debit Card or PIN or internet banking access code has been lost or stolen or if you believe that an electronic fund transfer has been made without your 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 applicable). If you tell us within two (2) business days after you learn of the loss or theft of your Debit Card or PIN or internet banking access code you can lose no more than fifty dollars ($50) if someone used your Debit Card or PIN or internet banking access code without your permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your Debit Card or PIN or internet banking access code and we can prove we could have stopped someone from using your Debit Card or PIN or internet banking access code without your permission if you had given us notice, you can lose as much as five hundred dollars ($500). Also, if your statement shows transfers you did not make, including those made by card, code, or other means, tell us at once. If you do not tell us within sixty (60) days after the statement was transmitted to you, you may not receive back any money you lost after the sixty (60) days, and therefore, you may not get back any money in your account , if we can prove that we could have stopped someone from taking the money had you given us notice in time. If a good reason (such as a long trip or hospital stay) keeps you from giving the notice, we will extend the time periods.

YOUR RESPONSIBILITY TO NOTIFY US OF LOSS OR THEFT. If you believe your ATM Card or Debit Card or PIN or internet digital banking access code has been lost or stolen, call us at: (000)000-0000 (Banking hours: 8am - 5pm Monday - Friday; 8am - 11:30am Saturday) or (000)000- 0000 (outside contact your local branch, address and phone numbers are at the end of banking hours) or BankIowa write to: PO Box 000 000 Xxxxx Xx Xxxx Xxxxxxxxxxxx, XX 00000 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 permissionthis disclosure. CONSUMER LIABILITY. Tell us AT ONCE if you believe your ATM Card or Debit Card or PIN or internet digital banking access code has been lost or stolen or if you believe that an electronic fund transfer has been made without your 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 applicable). If you tell us within two (2) business days after you learn of the loss or theft of your ATM Card or Debit Card or PIN or internet banking access code you can lose no more than fifty dollars ($50) if someone used your ATM Card or Debit Card or PIN or internet banking access code without your permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your ATM Card or Debit Card or PIN or internet banking access code and we can prove we could have stopped someone from using your ATM Card or Debit Card or PIN or internet banking access code without your permission if you had given us notice, you can lose as much as five hundred dollars ($500500.00). Also, if your statement shows transfers you did not make, including those made by card, code, or other means, tell us at once. If you do not tell us within sixty (60) days after the statement was transmitted to you, you may not receive back any money you lost after the sixty (60) days, and therefore, you may not get back any could lose all the money in your account (plus your maximum overdraft line of credit, if applicable), if we can prove that we could have stopped someone from taking the money had you given us notice in time. If a good reason (such as a long trip or hospital stay) keeps you from giving the notice, we will extend the time periods. CONSUMER LIABILITY FOR UNAUTHORIZED TRANSACTIONS INVOLVING HOMESTEAD BANK VISA DEBIT CARD. The limitations on your liability for unauthorized transactions described above generally apply to all electronic fund transfers. However, different limitations apply to certain transactions involving your card with the Visa® logo. These limits apply to unauthorized transactions processed on the Visa® or PULSE Network. If you notify us about an unauthorized transaction involving your card with the Visa® logo and the unauthorized transaction took place on the Visa® Network, zero liability will be imposed on you for the unauthorized transaction. We may increase the limit of your liability for such unauthorized transactions if we reasonably determine, based on substantial evidence, that you were negligent or fraudulent in the handling of your account or your card with the Visa® logo. The zero liability provisions do not apply to PIN-based debit transactions not processed by the Visa® or Pulse Network, including ATM transactions outside of the United States. Your liability for unauthorized transactions with your card with the Visa® logo that involve PIN-based debit transactions not processed by the Visa® or Pulse Network, including ATM transactions, are described under "Consumer Liability" above. ILLEGAL USE OF HOMESTEAD BANK VISA DEBIT CARD. You agree not to use your Homestead Bank Visa Debit card for any illegal transactions, including internet gambling and similar activities.

YOUR RESPONSIBILITY TO NOTIFY US OF LOSS OR THEFT. If you believe your ATM Card or Debit Card or PIN or internet banking access code has been lost or stolen, call us at: (000)000-0000 (Banking hours: 8am - 5pm Monday - Friday; 8am - 11:30am Saturday24 hours a day, 7 days a week) or (000)000- 0000 (outside of banking hours) or BankIowa write to: Independent Bank Customer Service Department PO Box 000 000 Xxxxx Xx Xxxx Xxxxxxxxxxxx, XX 00000 279 Belding MI 48809 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. CONSUMER LIABILITY. Tell us AT ONCE if you believe your ATM Card or Debit Card or PIN or internet banking access code has been lost or stolen or if you believe that an electronic fund transfer has been made without your 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 applicable). If you tell us within two (2) business days after you learn of the loss or theft of your ATM Card or Debit Card or PIN or internet banking access code you can lose no more than fifty dollars ($50) if someone used your ATM Card or Debit Card or PIN or internet banking access code without your permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your ATM Card or Debit Card or PIN or internet banking access code and we can prove we could have stopped someone from using your ATM Card or Debit Card or PIN or internet banking access code without your permission if you had given us notice, you can lose as much as five hundred dollars ($500). Also, if your statement shows transfers you did not make, including those made by card, code, or other means, tell us at once. If you do not tell us within sixty (60) days after the statement was transmitted to you, you may not receive back any money you lost after the sixty (60) days, and therefore, you may not get back any could lose all the money in your account (plus your maximum overdraft line of credit, if applicable), if we can prove that we could have stopped someone from taking the money had you given us notice in time. If a good reason (such as a long trip or hospital stay) keeps you from giving the notice, we will extend the time periods.

YOUR RESPONSIBILITY TO NOTIFY US OF LOSS OR THEFT. If you believe your Debit Card or PIN or internet banking access code has been lost or stolen, visit us online at xxx.xxxxxxxxxxxxxxxx.xxx, call us at: at (000)000000) 000-0000 (Banking hours: 8am - 5pm Monday - Friday; 8am - 11:30am Saturday) 0000, or (000)000- 0000 (outside of banking hours) or BankIowa write to: Southern Bank, Attn: Retail Products Department, PO Box 000 000 Xxxxx Xx Xxxx Xxxxxxxxxxxx520, XX 00000 Poplar Bluff, MO 63902. 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. CONSUMER LIABILITY. LIABILITY Tell us AT ONCE at once if you believe your Debit Card or PIN or internet banking access code has been lost or stolen or if you believe that an electronic fund transfer has been made without your 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 applicable). If you tell us within two ([2) ] business days after you learn of the loss or theft of your Debit Card or PIN, you can lose no more than fifty dollars [$50] if someone used your Debit Card or PIN without your permission. If you do not tell us within two [2] business days after you learn of the loss or theft of your Debit Card or PIN or internet banking access code you can lose no more than fifty dollars ($50) if someone used your Debit Card or PIN or internet banking access code without your permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your Debit Card or PIN or internet banking access code and we can prove we could have stopped someone from using your Debit Card or PIN or internet banking access code without your permission if you had given us notice, you can lose as much as five hundred dollars ([$500)]. Also, if your statement shows transfers you did not make, including those made by card, code, or other means, tell us at once. If you do not tell us within sixty ([60) ] days after the statement was transmitted to you, you may not receive back any money you lost after the sixty ([60) ] days, and therefore, you may not get back any could lose all the money in your account (plus your maximum overdraft line of credit, if applicable), if we can prove that we could have stopped someone from taking the money had you given us notice in time. If a good reason (such as a long trip or hospital stay) keeps you from giving the notice, we will extend the time periods.

YOUR RESPONSIBILITY TO NOTIFY US OF LOSS OR THEFT. If you believe your ATM Card or Debit Card or PIN or internet banking access code has been lost or stolen, call us at: at (000)000-0000 (Banking hours: 8am - 5pm Monday - Friday; 8am - 11:30am Saturday) or (000)000- 0000 (outside of banking 24 hours) or BankIowa write to: PO Box 000 000 Xxxxx Xx Xxxx XxxxxxxxxxxxBancFirst Attention: Operations Standards X.X.Xxx 268949 Oklahoma City, XX 00000 OK 73126 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. CONSUMER LIABILITY. Tell us AT ONCE if you believe your ATM Card or Debit Card or PIN or internet banking access code has been lost or stolen or if you believe that an electronic fund transfer has been made without your 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 applicable). If you tell us within two (2) business days after you learn of the loss or theft of your ATM Card or Debit Card or PIN or internet banking access code you can lose no more than fifty dollars ($50) if someone used your ATM Card or Debit Card or PIN or internet banking access code without your permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your ATM Card or Debit Card or PIN or internet banking access code and we can prove we could have stopped someone from using your ATM Card or Debit Card or PIN or internet banking access code without your permission if you had given us notice, you can lose as much as five hundred dollars ($500). Also, if your statement shows transfers you did not make, including those made by card, code, or other means, tell us at once. If you do not tell us within sixty (60) days after the statement was transmitted to you, you may not receive back any money you lost after the sixty (60) days, and therefore, you may not get back any money in your account (including your maximum overdraft line of credit, if applicable), if we can prove that we could have stopped someone from taking the money had you given us notice in time. If a good reason (such as a long trip or hospital stay) keeps you from giving the notice, we will extend the time periods.

YOUR RESPONSIBILITY TO NOTIFY US OF LOSS OR THEFT. If you believe your ATM Card or Debit Card or PIN or internet banking access code has been lost or stolen, call us at: (000)0000-000-000-0000 (Banking hours: 8am - 5pm Monday - Friday; 8am - 11:30am Saturday9:00 AM to 5:00 PM (EST)) or (000)000- 0-000-000-0000 (outside of banking hoursAfter 5:00 PM (EST)) or BankIowa write to: PO Xxxxxx Bank OPERATIONS DEPARTMENT P. O. Box 000 000 Xxxxx Xx Xxxx Xxxxxxxxxxxx520 Dublin, XX 00000 GA 31040 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. CONSUMER LIABILITY. Tell us AT ONCE if you believe your ATM Card or Debit Card or PIN or internet banking access code has been lost or stolen or if you believe that an electronic fund transfer has been made without your 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 applicable). If you tell us within two (2) business days after you learn of the loss or theft of your ATM Card or Debit Card or PIN or internet banking access code you can lose no more than fifty dollars ($50) if someone used your ATM Card or Debit Card or PIN or internet banking access code without your permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your ATM Card or Debit Card or PIN or internet banking access code and we can prove we could have stopped someone from using your ATM Card or Debit Card or PIN or internet banking access code without your permission if you had given us notice, you can lose as much as five hundred dollars ($500). Also, if your statement shows transfers you did not make, including those made by card, code, or other means, tell us at once. If you do not tell us within sixty (60) days after the statement was transmitted to you, you may not receive back any money you lost after the sixty (60) days, and therefore, you may not get back any money in your account account, if we can prove that we could have stopped someone from taking the money had you given us notice in time. If a good reason (such as a long trip or hospital stay) keeps you from giving the notice, we will extend the time periods.

YOUR RESPONSIBILITY TO NOTIFY US OF LOSS OR THEFT. If you believe your Debit Card or PIN or internet banking access code has been lost or stolen, call us at: 0-000-000-0000 (24 HOURS A DAY 7 DAYS A WEEK) or (000)000-0000 (Banking hours: 8am - 5pm Monday - Friday; 8am - 11:30am SaturdayM-F 9AM TO 4PM) or (000)000- 0000 (outside of banking hours) or BankIowa write to: PO Box Tioga Franklin Savings Bank 000 000 Xxxxx Xx Xxxx XxxxxxxxxxxxX. Xxxxxx Avenue Philadelphia, XX 00000 PA 19125 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. CONSUMER LIABILITY. Tell us AT ONCE if you believe your Debit Card or PIN or internet banking access code has been lost or stolen or if you believe that an electronic fund transfer has been made without your 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 applicable). If you tell us within two (2) business days after you learn of the loss or theft of your Debit Card or PIN or internet banking access code you can lose no more than fifty dollars ($50) if someone used your Debit Card or PIN or internet banking access code without your permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your Debit Card or PIN or internet banking access code and we can prove we could have stopped someone from using your Debit Card or PIN or internet banking access code without your permission if you had given us notice, you can lose as much as five four hundred dollars ($500400.00). Also, if your statement shows transfers you did not make, including those made by card, code, or other means, tell us at once. If you do not tell us within sixty (60) days after the statement was transmitted to you, you may not receive back any money you lost after the sixty (60) days, and therefore, you may not get back any money in your account (including your maximum overdraft line of credit, if applicable), if we can prove that we could have stopped someone from taking the money had you given us notice in time. If a good reason (such as a long trip or hospital stay) keeps you from giving the notice, we will extend the time periods.

YOUR RESPONSIBILITY TO NOTIFY US OF LOSS OR THEFT. If you believe your ATM Card or Debit Card or PIN or internet banking access code has been lost or stolen, call us at: (000)000000-0000 (Banking hours: 8000-0000(9 am - 5pm Monday - Friday; 8am - 11:30am Saturdayto 5 pm) or (000)000- 0000 (outside of banking hours) or BankIowa write to: PO Box Bankwell Bank 000 000 Xxxxx Xx Xxxx XxxxxxxxxxxxXxx Xxxxxx Xxx Xxxxxx, XX 00000 For after-hours Lost/Stolen Visa Check Card Support, call (000) 000-0000. 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. CONSUMER LIABILITY. LIABILITY Tell us AT ONCE at once if you believe your ATM Card or Debit Card or PIN or internet banking access code has been lost or stolen or if you believe that an electronic fund transfer has been made without your 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 applicable). If you tell us within two (2) business days after you learn of the loss or theft of your ATM Card or Debit Card or PIN or internet banking access code PIN, you can lose no more than fifty dollars ($50) if someone used your ATM Card or Debit Card or PIN or internet banking access code without your permission. If you do NOT not tell us within two (2) business days after you learn of the loss or theft of your ATM Card or Debit Card or PIN or internet banking access code and we can prove we could have stopped someone from using your ATM Card or Debit Card or PIN or internet banking access code without your permission if you had given us notice, you can lose as much as five hundred dollars ($500). Also, if your statement shows transfers you did not make, including those made by card, code, or other means, tell us at once. If you do not tell us within sixty (60) days after the statement was transmitted to you, you may not receive back any money you lost after the sixty (60) days, and therefore, you may not get back any could lose all the money in your account (plus your maximum overdraft line of credit, if applicable), if we can prove that we could have stopped someone from taking the money had you given us notice in time. If a good reason (such as a long trip or hospital stay) keeps you from giving the notice, we will extend the time periods. CONSUMER LIABILITY FOR UNAUTHORIZED TRANSACTIONS INVOLVING DEBIT CARD, BUSINESS DEBIT CARD OR HEALTH SAVINGS DEBIT CARD The limitations on your liability for unauthorized transactions described above generally apply to all electronic fund transfers. However, different limitations apply to certain transactions involving your card with the Visa® logo. These limits apply to unauthorized transactions processed on the Visa® Network. If you notify us about an unauthorized transaction involving your Debit Card, Business Debit Card or Health Savings Debit Card, and the unauthorized transaction took place on the Visa® Network, zero liability will be imposed on you for the unauthorized transaction. We may increase the limit of your liability for such unauthorized transactions if we reasonably determine, based on substantial evidence, that you were grossly negligent or fraudulent in the handling of your account or your Debit Card, Business Debit Card or Health Savings Debit Card. The zero liability provisions do not apply to PIN-based transactions not processed by the Visa® Network, including ATM transactions. Your liability for unauthorized transactions with your Debit Card, Business Debit Card or Health Savings Debit Card that involve PIN-based debit transactions not processed by the Visa® Network, including ATM transactions, are described under "Consumer Liability" above.

YOUR RESPONSIBILITY TO NOTIFY US OF LOSS OR THEFT. If you believe your Debit Card or PIN or internet banking access code has been lost or stolen, call us at: (000)000-0000 (Banking hours: 8am - 5pm Monday - Friday; 8am - 11:30am Saturday) or (000)000- the 24-hour hotline at 0-000-000-0000 (outside of banking hours) or BankIowa write to: PO Box 000 000 Xxxxx Xx Xxxx XxxxxxxxxxxxSunstate Bank Attention: Cashier XX Xxx 000000 Xxxxx, XX 00000 00000-0000 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. CONSUMER LIABILITY. Tell us AT ONCE if you believe your Debit Card or PIN or internet banking access code has been lost or stolen or if you believe that an electronic fund transfer has been made without your 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 applicable). If you tell us within two (2) business days after you learn of the loss or theft of your Debit Card or PIN or internet banking access code you can lose no more than fifty dollars ($50) if someone used your Debit Card or PIN or internet banking access code without your permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your Debit Card or PIN or internet banking access code and we can prove we could have stopped someone from using your Debit Card or PIN or internet banking access code without your permission if you had given us notice, you can lose as much as five hundred dollars ($500). Also, if your statement shows transfers you did not make, including those made by card, code, or other means, tell us at once. If you do not tell us within sixty (60) days after the statement was transmitted to you, you may not receive back any money you lost after the sixty (60) days, and therefore, you may not get back any could lose all the money in your account (plus your maximum overdraft line of credit, if applicable), if we can prove that we could have stopped someone from taking the money had you given us notice in time. If a good reason (such as a long trip or hospital stay) keeps you from giving the notice, we will extend the time periods.

YOUR RESPONSIBILITY TO NOTIFY US OF LOSS OR THEFT. If you believe your Debit Card or PIN or internet banking access code has been lost or stolen, call us at: (000)000-0000 (Banking hours: 8Monday-Thursday 8:30 am - 55:00 pm Monday - Friday; 8am - 11:30am SaturdayEST Friday 8:30 am-5:30 pm EST) or (000)000- 0-000-000-0000 (outside of banking hoursAvailable 24 Hours /Day 7 Days /Week) or BankIowa write to: PO Xxxxxxx Savings & Loan Association, F A, P O Box 000 000 Xxxxx Xx Xxxx Xxxxxxxxxxxx600, XX 00000 Pickens SC 29671 For commercial accounts, zero liability protection will only apply to transactions conducted with a card issued for a commercial purpose under a "small business" program as described on xxx.xxxxxxxxxxxxxxxxxx.xxx (information found under "Small Business", then select the "Products" tab). 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. CONSUMER LIABILITY. Tell us AT ONCE if you believe your Debit Card or PIN or internet banking access code has been lost or stolen or if you believe that an electronic fund transfer has been made without your 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 applicable). If you tell us within two (2) business days after you learn of the loss or theft of your Debit Card or PIN or internet banking access code you can lose no more than fifty dollars ($50) if someone used your Debit Card or PIN or internet banking access code without your permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your Debit Card or PIN or internet banking access code and we can prove we could have stopped someone from using your Debit Card or PIN or internet banking access code without your permission if you had given us notice, you can lose as much as five hundred dollars ($500). Also, if your statement shows transfers you did not make, including those made by card, code, or other means, tell us at once. If you do not tell us within sixty (60) days after the statement was transmitted to you, you may not receive back any money you lost after the sixty (60) days, and therefore, you may not get back any could lose all the money in your account (plus your maximum overdraft line of credit, if applicable), if we can prove that we could have stopped someone from taking the money had you given us notice in time. If a good reason (such as a long trip or hospital stay) keeps you from giving the notice, we will extend the time periods.

YOUR RESPONSIBILITY TO NOTIFY US OF LOSS OR THEFT. If you believe your Debit Card or PIN or internet banking access code Access Device has been lost or stolen, or that someone has transferred or may transfer money from your account without your permission, call us at1‐866‐952‐9523 or write: (000)000-0000 (Banking hoursArvest Bank ATTN: 8am - 5pm Monday - Friday; 8am - 11:30am Saturday) or (000)000- 0000 (outside of banking hours) or BankIowa write to: Deposit Operations PO Box 000 000 Xxxxx Xx Xxxx Xxxxxxxxxxxx1670 Xxxxxx, XX 00000 AR 72745‐1670 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. CONSUMER LIABILITY. Your Liability ‐ Tell us AT ONCE at once if you believe your Debit Card or PIN or internet banking access code Access Device has been lost or stolen stolen, or if you believe that an electronic fund someone has transferred or may transfer has been made money from your account without your permission using information from your checkpermission. 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 applicable). If you tell us within two (2) business days after you learn of the loss or theft of your Debit Card or PIN or internet banking access code Access Device, you can lose no more than fifty dollars ($5050.00) if someone used uses your Debit Card or PIN or internet banking access code Access Device without your permission. If you do NOT not tell us within two (2) business days after you learn of the loss or theft of your Debit Card or PIN or internet banking access code Access Device and we can prove we could have stopped someone from using your Debit Card or PIN or internet banking access code it without your permission if you had given us notice, you can lose as much as five hundred dollars ($500500.00). Also, if your statement shows transfers you did not make, including those made by card, code, or other means, tell us at once. If you do not tell us within sixty (60) days after the statement was transmitted to you, you may not receive back any money you lost after the sixty (60) days, and therefore, you may not get back any could lose all the money in your account (plus your maximum overdraft limit or line of credit, if applicable), if we can prove that we could have stopped someone from taking the money had you given us notice in time. If a good reason (such as a long trip or hospital stay) keeps you from giving the notice, we will may, at our sole discretion, extend the time periods.

YOUR RESPONSIBILITY TO NOTIFY US OF LOSS OR THEFT. If you believe your ATM Card or Debit Card or PIN or internet banking access code has been lost or stolen, call us at: (000)000000) 000-0000 (Banking hours: 8am - 5pm Monday - Friday; 8am - 11:30am Saturday24/7) or (000)000- 0000 (outside of banking hours) or BankIowa write to: PO Box 000 000 Xxxxx Xx Xxxx Xxxxxxxxxxxx, 0000 XXXXXX XX 00000 HARRISBURG PA 17111 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. CONSUMER LIABILITY. Tell us AT ONCE at once if you believe your ATM Card or Debit Card or PIN or internet banking access code has been lost or stolen or if you believe that an electronic fund transfer has been made without your 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 applicable). If you tell us within two (2) business days after you learn of the loss or theft of your ATM Card or Debit Card or PIN or internet banking access code you can lose no more than fifty dollars ($50) if someone used your ATM Card or Debit Card or PIN or internet banking access code without your permission. If you do NOT not tell us within two (2) business days after you learn of the loss or theft of your ATM Card or Debit Card or PIN or internet banking access code and we can prove we could have stopped someone from using your ATM Card or Debit Card or PIN or internet banking access code without your permission if you had given us notice, you can lose as much as five hundred dollars ($500). Also, if your statement shows transfers you did not make, including those made by card, code, or other means, tell us at once. If you do not tell us within sixty (60) days after the statement was transmitted to you, you may not receive back any money you lost after the sixty (60) days, and therefore, you may not get back any could lose all the money in your account (plus your maximum overdraft line of credit, if applicable), if we can prove that we could have stopped someone from taking the money had you given us notice in time. If a good reason (such as a long trip or hospital stay) keeps you from giving the notice, we will extend the time periods.

YOUR RESPONSIBILITY TO NOTIFY US OF LOSS OR THEFT. If you believe your Debit Card or PIN or internet banking access code has been lost or stolen, call us at: (000)000-0000 (Banking hours: 8am - 5pm Monday - Friday; 8am - 11:30am Saturday(24 hours a day, 7 days a week)) or (000)000- 0000 (outside of banking hours) or BankIowa write to: PO Box 000 000 Independent Bank Customer Service Department 0000 X. Xxxxxxxx Xxx XX Xxxxx Xx Xxxx XxxxxxxxxxxxXxxxxx, XX 00000 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. CONSUMER LIABILITY. Tell us AT ONCE if you believe your Debit Card or PIN or internet banking access code has been lost or stolen or if you believe that an electronic fund transfer has been made without your 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 applicable). If you tell us within two (2) business days after you learn of the loss or theft of your Debit Card or PIN or internet banking access code you can lose no more than fifty dollars ($50) if someone used your Debit Card or PIN or internet banking access code without your permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your Debit Card or PIN or internet banking access code and we can prove we could have stopped someone from using your Debit Card or PIN or internet banking access code without your permission if you had given us notice, you can lose as much as five hundred dollars ($500). Also, if your statement shows transfers you did not make, including those made by card, code, or other means, tell us at once. If you do not tell us within sixty (60) days after the statement was transmitted to you, you may not receive back any money you lost after the sixty (60) days, and therefore, you may not get back any money in your account account, if we can prove that we could have stopped someone from taking the money had you given us notice in time. If a good reason (such as a long trip or hospital stay) keeps you from giving the notice, we will extend the time periods.

YOUR RESPONSIBILITY TO NOTIFY US OF LOSS OR THEFT. If you believe your ATM Card or HVB Debit Card or PIN or internet banking access code has been lost or stolen, call us at: (000)000Card Losses Only: 000-000-0000 (Banking hours: 8am - 5pm Monday - Friday; 8am - 11:30am Saturday24 Hours a Day 7 Days a Week) or (000)000- 0000 (outside of banking hours) or BankIowa write to: PO Box Huntingdon Valley Bank Administrative Offices 0000 Xxxxxx Xxxx Xx Xxxxx 000 000 Xxxxx Xx Xxxx XxxxxxxxxxxxHuntingdon Valley PA 19006 Reporting in person: You may also report a lost or stolen card or PIN in person at any of our offices. Address information is available on your monthly statement or at xxxx://xxx.xxxxxxxxxxxxxxxxxxxx.xxx/ Internet Banking Code or ID: If your Internet Banking Code or ID has been lost or stolen, XX 00000 you should call us at 000-000-0000 as soon as possible. If your call is during non business hours, please leave a message which will be retreived on the next business day we are open. 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. CONSUMER LIABILITY. LIABILITY Tell us AT ONCE at once if you believe your ATM Card or HVB Debit Card or PIN or internet banking access code has been lost or stolen or if you believe that an electronic fund transfer has been made without your 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 applicable). If you tell us within two (2) business days after you learn of the loss or theft of your ATM Card or HVB Debit Card or PIN or internet banking access code PIN, you can lose no more than fifty dollars ($50) if someone used your ATM Card or HVB Debit Card or PIN or internet banking access code without your permission. If you do NOT not tell us within two (2) business days after you learn of the loss or theft of your ATM Card or HVB Debit Card or PIN or internet banking access code and we can prove we could have stopped someone from using your ATM Card or HVB Debit Card or PIN or internet banking access code without your permission if you had given us notice, you can lose as much as five hundred dollars ($500). Also, if your statement shows transfers you did not make, including those made by card, code, or other means, tell us at once. If you do not tell us within sixty (60) days after the statement was transmitted to you, you may not receive back any money you lost after the sixty (60) days, and therefore, you may not get back any could lose all the money in your account (plus your maximum overdraft line of credit, if applicable), if we can prove that we could have stopped someone from taking the money had you given us notice in time. If a good reason (such as a long trip or hospital stay) keeps you from giving the notice, we will extend the time periods.

YOUR RESPONSIBILITY TO NOTIFY US OF LOSS OR THEFT. If you believe your Debit Card or PIN or internet banking access code Access Device has been lost or stolen, or that someone has transferred or may transfer money from your account without your permission, call us at: (000)0000-000-000-0000 (Banking hoursor write: 8am - 5pm Monday - Friday; 8am - 11:30am Saturday) or (000)000- 0000 (outside of banking hours) or BankIowa write toArvest Bank ATTN: Deposit Operations PO Box 000 000 Xxxxx Xx Xxxx Xxxxxxxxxxxx1670 Lowell, XX 00000 AR 72745-1670 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. CONSUMER LIABILITY. Your Liability - Tell us AT ONCE at once if you believe your Debit Card or PIN or internet banking access code Access Device has been lost or stolen stolen, or if you believe that an electronic fund someone has transferred or may transfer has been made money from your account without your permission using information from your checkpermission. 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 applicable). If you tell us within two (2) business days after you learn of the loss or theft of your Debit Card or PIN or internet banking access code Access Device, you can lose no more than fifty dollars ($5050.00) if someone used uses your Debit Card or PIN or internet banking access code Access Device without your permission. If you do NOT not tell us within two (2) business days after you learn of the loss or theft of your Debit Card or PIN or internet banking access code Access Device and we can prove we could have stopped someone from using your Debit Card or PIN or internet banking access code it without your permission if you had given us notice, you can lose as much as five hundred dollars ($500500.00). Also, if your statement shows transfers you did not make, including those made by card, code, or other means, tell us at once. If you do not tell us within sixty (60) days after the statement was transmitted to you, you may not receive back any money you lost after the sixty (60) days, and therefore, you may not get back any could lose all the money in your account (plus your maximum overdraft limit or line of credit, if applicable), if we can prove that we could have stopped someone from taking the money had you given us notice in time. If a good reason (such as a long trip or hospital stay) keeps you from giving the notice, we will may, at our sole discretion, extend the time periods.

YOUR RESPONSIBILITY TO NOTIFY US OF LOSS OR THEFT. If you believe your ATM or Mastercard Debit Card or PIN or internet banking access code has been lost or stolen, call us at: (000)000000 000-0000 or 000-000-0000 (Banking hours: 8am - 5pm Monday - Friday; 8am - 11:30am SaturdayMonday-Friday 8:30am-5:30pm) or (000)000- 0000 (outside of banking hours) or BankIowa write to: COPOCO Community Credit Union ATTN: Accounting Department PO Box 000 000 Xxxxx Xx Xxxx Xxxxxxxxxxxx, XX 00000 You should also call the number 1520 Bay City MI 48706-0520 or write email us: Login to the address listed above if you believe your COPOCO@Home online account access to send a transfer has been made using the information from your check without your permissionsecure email message Report lost & stolen Debit/ATM Cards at 0-000-000-0000 after COPOCO business hours. CONSUMER LIABILITY. LIABILITY Tell us AT ONCE at once if you believe your ATM or Mastercard Debit Card or PIN or internet banking access code has been lost or stolen or if you believe that an electronic fund transfer has been made without your 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 applicable). If you tell us within two (2) business days after you learn of the loss or theft of your ATM or Mastercard Debit Card or PIN or internet banking access code PIN, you can lose no more than fifty dollars ($50) if someone used your ATM or Mastercard Debit Card or PIN or internet banking access code without your permission. If you do NOT not tell us within two (2) business days after you learn of the loss or theft of your ATM or Mastercard Debit Card or PIN or internet banking access code and we can prove we could have stopped someone from using your ATM or Mastercard Debit Card or PIN or internet banking access code without your permission if you had given us notice, you can lose as much as five hundred dollars ($500). Also, if your statement shows transfers you did not make, including those made by card, code, or other means, tell us at once. If you do not tell us within sixty (60) days after the statement was transmitted to you, you may not receive back any money you lost after the sixty (60) days, and therefore, you may not get back any could lose all the money in your account (plus your maximum overdraft line of credit, if applicable), if we can prove that we could have stopped someone from taking the money had you given us notice in time. If a good reason (such as a long trip or hospital stay) keeps you from giving the notice, we will extend the time periods.. CONSUMER LIABILITY FOR UNAUTHORIZED TRANSACTIONS INVOLVING MASTERCARD XXXXX XXXX The limitations on your liability for unauthorized transactions described above generally apply to all electronic fund transfers. However, different limitations apply to certain transactions involving your card with the MasterCard® logo. These limits apply to unauthorized transactions processed on the Mastercard® Network. If you promptly notify us about an unauthorized transaction involving your card and the unauthorized transaction took place on your Mastercard ® branded card, including any PIN-based ATM or POS transactions, zero liability will be imposed on you for the unauthorized transaction. In order to qualify for the zero liability protection, you must have exercised reasonable care in safeguarding your card from the risk of loss or theft and, upon becoming aware of such loss or theft, promptly reported the loss or theft to us. For commercial accounts, zero liability protection will only apply to transactions conducted with a card issued for a commercial purpose under a ''small business'' program as described on xxx.xxxxxxxxxxxxxxxxxx.xxx (information found under ''Small Business'', then select the ''Products'' tab). ILLEGAL USE OF MASTERCARD DEBIT CARD. You agree not to use your Mastercard Debit Card for any illegal transactions, including internet gambling and similar activities. IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR TRANSACTIONS In case of errors or questions about your electronic fund transfers, call us at: 000-000-0000 or 0-000-000-0000 or write to: COPOCO Community Credit Union ATTN: Accounting Department PO Box 1520 Bay City MI 48706-0520 Notification should be made as soon as possible if you think your statement or receipt is wrong or if you need more information about a transaction listed on the statement or receipt. You must contact COPOCO Community Credit Union no later than 60 days after it sent you the first statement on which the problem or error appears. You must be prepared to provide the following information: - Your name and account number. - A description of the error or transaction you are unsure about along with an explanation as to why you believe it is an error or why you need more information. - The dollar amount of the suspected error. If you provide oral notice, you will be required to send in your complaint or question in writing within ten (10) business da ys. We will determine whether an error occurred within ten (10) business days (twenty (20) business days for new accounts) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days (ninety (90) days for new accounts and foreign initiated or Point of Sale transfers) to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10) business days (twenty

YOUR RESPONSIBILITY TO NOTIFY US OF LOSS OR THEFT. If you believe your ATM Card or Debit Card or PIN or internet banking access code has been lost or stolen, call us at: (000)000-0000 (Banking hoursBusiness days are: 8am - 5pm Monday - through Friday; 8am - 11:30am Saturday, excluding Federal and State Holidays) or (000)000- 0000 (outside of banking hours) or BankIowa write to: PO P.O. Box 000 000 Xxxxx Xx Xxxx Xxxxxxxxxxxx1749, XX 00000 Columbia, LA 71418 To report lost or stolen debit cards after hours, call 0-000-000-0000. 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. CONSUMER LIABILITY. Tell us AT ONCE if you believe your ATM Card or Debit Card or PIN or internet banking access code has been lost or stolen or if you believe that an electronic fund transfer has been made without your 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 applicable). If you tell us within two (2) business days after you learn of the loss or theft of your ATM Card or Debit Card or PIN or internet banking access code you can lose no more than fifty dollars ($50) if someone used your ATM Card or Debit Card or PIN or internet banking access code without your permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your ATM Card or Debit Card or PIN or internet banking access code and we can prove we could have stopped someone from using your ATM Card or Debit Card or PIN or internet banking access code without your permission if you had given us notice, you can lose as much as five hundred dollars ($500). Also, if your statement shows transfers you did not make, including those made by card, code, or other means, tell us at once. If you do not tell us within sixty (60) days after the statement was transmitted to you, you may not receive back any money you lost after the sixty (60) days, and therefore, you may not get back any could lose all the money in your account (plus your maximum overdraft line of credit, if applicable), if we can prove that we could have stopped someone from taking the money had you given us notice in time. If a good reason (such as a long trip or hospital stay) keeps you from giving the notice, we will extend the time periods.. CONSUMER LIABILITY FOR UNAUTHORIZED TRANSACTIONS INVOLVING ATM/DEBIT CARD. The limitations on your liability for unauthorized transactions described above generally apply to all electronic fund transfers. However, different limitations apply to certain transactions involving your card with the Visa® logo. These limits apply to unauthorized transactions processed on the Visa® or Plus Network. If you notify us about an unauthorized transaction involving your card with the Visa® logo and the unauthorized transaction took place on the Visa® or Plus Network, zero liability will be imposed on you for the unauthorized transaction. We may increase the limit of your liability for such unauthorized transactions if we reasonably determine, based on substantial evidence, that you were negligent or fraudulent in the handling of your account or your card with the Visa® logo. The zero liability provisions do not apply to PIN-based debit transactions not processed by the Visa® or Plus Network, including ATM transactions outside of the United States. Your liability for unauthorized transactions with your card with the Visa® logo that involve PIN-based debit transactions not processed by the Visa® or Plus Network, including ATM transactions, are described under "Consumer Liability" above. ILLEGAL USE OF ATM/DEBIT CARD. You agree not to use your ATM/Debit Card for any illegal transactions, including internet gambling and similar activities. IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR TRANSACTIONS. In case of errors or questions about your electronic fund transfers, call us at: (000)000-0000 or write to: P.O. Box 1749, Columbia, LA 71418 or email us at: xxxx@xxxxxxxxxxxxxxxxxxxx.xxx Notification should be made as soon as possible if you think your statement or receipt is wrong or if you need more information about a transaction listed on the statement or receipt. You must contact Xxxxxxxx Bank & Trust Company no later than 60 days after we sent you the first statement on which the problem or error appears. You must be prepared to provide the following information: • Your name and account number. • A description of the error or transaction you are unsure about along with an explanation as to why you believe it is an error or why you need more information. • The dollar amount of the suspected error. If you provide oral notice, you will be required to send in your complaint or question in writing within ten (10) business days. We will determine whether an error occurred within ten (10) business days (twenty (20) business days for new accounts) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days (ninety (90) days for new accounts and foreign initiated or Point of Sale transfers) to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10) business days (twenty (20) business days for new accounts) for the amount which you think is in error, so that you will have the use of the money during the time it takes to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not credit your account. The extended time periods for new accounts apply to all electronic fund transfers that occur within the first thirty

YOUR RESPONSIBILITY TO NOTIFY US OF LOSS OR THEFT. If you believe your ATM Card or Debit Card or PIN or internet banking access code has been lost or stolen, call us at: (000)000-0000 (Banking hours: 8am - 5pm Monday - Friday; 8am - 11:30am Saturday9:00 a.m. to 5:00 p.m. Eastern) or (000)000- 0000 (outside of banking hours) or BankIowa write to: PO Xxxxxx Bank OPERATIONS DEPARTMENT P. 0. Box 000 000 Xxxxx Xx Xxxx Xxxxxxxxxxxx520 Dublin, XX 00000 GA 31040 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. CONSUMER LIABILITY. Tell us AT ONCE if you believe your ATM Card or Debit Card or PIN or internet banking access code has been lost or stolen or if you believe that an electronic fund transfer has been made without your 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 applicable). If you tell us within two (2) business days after you learn of the loss or theft of your ATM Card or Debit Card or PIN or internet banking access code you can lose no more than fifty dollars ($50) if someone used your ATM Card or Debit Card or PIN or internet banking access code without your permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your ATM Card or Debit Card or PIN or internet banking access code and we can prove we could have stopped someone from using your ATM Card or Debit Card or PIN or internet banking access code without your permission if you had given us notice, you can lose as much as five hundred dollars ($500500.00). Also, if your statement shows transfers you did not make, including those made by card, code, or other means, tell us at once. If you do not tell us within sixty (60) days after the statement was transmitted to you, you may not receive back any money you lost after the sixty (60) days, and therefore, you may not get back any could lose all the money in your account (plus your maximum overdraft line of credit, if applicable), if we can prove that we could have stopped someone from taking the money had you given us notice in time. If a good reason (such as a long trip or hospital stay) keeps you from giving the notice, we will extend the time periods.