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, visit us online at xxx.xxxxxxxxxxxxxxxx.xxx, call us at (000) 000-0000, or write to: Southern Bank, Attn: Retail Products Department, PO Box 520, 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. 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. 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 and we can prove we could have stopped someone from using your Debit Card or PIN 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 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, visit call us online at xxx.xxxxxxxxxxxxxxxx.xxxat: 000-000-0000(9 am to 5 pm) or write to: Bankwell Bank 000 Xxx Xxxxxx Xxx Xxxxxx, XX 00000 For after-hours Lost/Stolen Visa Check Card Support, call us at (000) 000-0000, or write to: Southern Bank, Attn: Retail Products Department, PO Box 520, 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. 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. 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, you can lose no more than fifty dollars [($50] ) if someone used your ATM Card or 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 ATM Card or Debit Card or PIN and we can prove we could have stopped someone from using your ATM Card or Debit Card or PIN 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 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. 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 ATM Card or HVB Debit Card or PIN or internet banking access code has been lost or stolen, visit us online at xxx.xxxxxxxxxxxxxxxx.xxx, call us at (000) at: Card Losses Only: 000-0000, 000-0000 (24 Hours a Day 7 Days a Week) or write to: Southern BankHuntingdon Valley Bank Administrative Offices 0000 Xxxxxx Xxxx Xx Xxxxx 000 Huntingdon 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, Attn: Retail Products Departmentyou should call us at 000-000-0000 as soon as possible. If your call is during non business hours, PO Box 520, Poplar Bluff, MO 63902please 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. Tell us 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. 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, you can lose no more than fifty dollars [($50] ) if someone used your ATM Card or HVB 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 ATM Card or HVB Debit Card or PIN and we can prove we could have stopped someone from using your ATM Card or HVB Debit Card or PIN 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 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, visit us online at xxx.xxxxxxxxxxxxxxxx.xxx, call us at at: (000000)000-0000 (9:00 a.m. to 5:00 p.m. Eastern) 000-0000, or write to: Southern BankXxxxxx Bank OPERATIONS DEPARTMENT P. 0. Box 520 Dublin, Attn: Retail Products Department, PO Box 520, Poplar Bluff, MO 63902. 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 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. 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, PIN you can lose no more than fifty dollars [($50] ) if someone used your ATM Card or Debit Card or PIN 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 and we can prove we could have stopped someone from using your ATM Card or Debit Card or PIN without your permission if you had given us notice, you can lose as much as five hundred dollars [($500]500.00). 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 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 or Mastercard Debit Card or PIN or internet banking access code has been lost or stolen, visit us online at xxx.xxxxxxxxxxxxxxxx.xxx, call us at (000) at: 000 000-0000, 0000 or 000-000-0000 (Monday-Friday 8:30am-5:30pm) or write to: Southern Bank, AttnCOPOCO Community Credit Union ATTN: Retail Products Department, Accounting Department PO Box 520, Poplar Bluff, MO 63902. 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. Tell us 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. 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, you can lose no more than fifty dollars [($50] ) if someone used your ATM or Mastercard 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 ATM or Mastercard Debit Card or PIN and we can prove we could have stopped someone from using your ATM or Mastercard Debit Card or PIN 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 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.. 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). 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