Common use of Access Code and Security Clause in Contracts

Access Code and Security. You agree to take every precaution to ensure the safety, security and integrity of your Accounts and transactions when using Online/Mobile Banking. Using your access code has the same effect as your signature authorizing transactions. You agree not to leave your mobile device or computer unattended while logged into Online/Mobile Banking and to log off immediately at the completion of each access by you. You agree to safely keep the access code, not to record the access code or otherwise disclose or make the access code available to anyone other than authorized users of your accounts. Anyone to whom you disclose your access code and anyone who has access to your access code will have full access to Online/Mobile Banking, including full access to your accounts. You have no ability to limit any such person's authority. If anyone uses your access code with your permission, you will be responsible for any transactions performed by that person. Tell us AT ONCE if you believe your access code or mobile device has been lost, stolen or otherwise became available to an unauthorized person. Please contact us immediately by telephone or in writing. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your Accounts (plus your maximum overdraft line of credit). If you tell us within two (2) Business Days after you learn of the loss or theft of your access code, you can lose no more than $50 if someone used your 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 access code, and we can prove that we could have stopped someone from using your access code without your permission, you could lose as much as $500. Also, if your statement shows transfers that you did not make, tell us at once. If you do not tell us within sixty (60) days after the first statement on which the problem or error appeared was mailed or made available electronically (if you are using E-Statements) to you, you may not get any money you lost after the sixty (60) days if we show that we could have stopped someone from taking the money if you would have 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. You must: • Tell us your name and account number(s). • Describe the error or transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. • Tell us the dollar amount of the suspected error. If you tell us orally, you must send us your complaint or questions in writing within ten (10) business days. We will tell you the results of our investigation within 1O business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or questions. If we decide to do this, we will re-credit your account within 10 business days for the amount you think is in error so that you will have use of the money during the time it takes us to complete our investigation. If you do not put your complaint or question in writing and/or we do not receive it within ten (10) business days, we may not re-credit your account. If we decide that there was not an error, we will send you a written explanation within three (3) business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation. If you believe your access code has been lost or stolen or that someone may or has fraudulently accessed your account without your permission, contact our Member Service Department at:

Access Code and Security. You agree to take every precaution to ensure the safety, security and integrity of your Accounts and transactions when using Online/Mobile Banking. Using your access code has the same effect as your signature authorizing transactions. You agree not to leave your mobile device or computer unattended while logged into Online/Mobile Banking and to log off immediately at the completion of each access by you. You agree to safely keep the access code, not to record the access code or otherwise disclose or make the access code available to anyone other than authorized users of your accounts. Anyone to whom you disclose your access code and anyone who has access to your access code will have full access to Online/Mobile Banking, including full access to your accounts. You have no ability to limit any such person's ’s authority. If anyone uses your access code with your permission, you will be responsible for any transactions performed by that person. Tell us AT ONCE if you believe your access code or mobile device has been lost, stolen or otherwise became available to an unauthorized person. Please contact us immediately by telephone or in writing. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your Accounts (plus your maximum overdraft line of credit). If you tell us within two (2) Business Days after you learn of the loss or theft of your access code, you can lose no more than $50 if someone used your 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 access code, and we can prove that we could have stopped someone from using your access code without your permission, you could lose as much as $500. Also, if your statement shows transfers that you did not make, tell us at once. If you do not tell us within sixty (60) days after the first statement on which the problem or error appeared was mailed or made available electronically (if you are using E-Statements) to you, you may not get any money you lost after the sixty (60) days if we show that we could have stopped someone from taking the money if you would have 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. You must: • Tell us your name and account number(s). • Describe the error or transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. • Tell us the dollar amount of the suspected error. If you tell us orally, you must send us your complaint or questions in writing within ten (10) business days. We will tell you the results of our investigation within 1O 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or questions. If we decide to do this, we will re-credit your account within 10 business days for the amount you think is in error so that you will have use of the money during the time it takes us to complete our investigation. If you do not put your complaint or question in writing and/or we do not receive it within ten (10) business days, we may not re-credit your account. If we decide that there was not an error, we will send you a written explanation within three (3) business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation. If you believe your access code has been lost or stolen or that someone may or has fraudulently accessed your account without your permission, contact our Member Service Department at:: (▇▇▇) ▇▇▇-▇▇▇▇ or by mail at Landmark Credit Union, Attn: E-Channel Department., ▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇▇ ▇▇., ▇▇▇ ▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇. When you schedule a funds transfer using Online/Mobile Banking, you authorize us to withdraw the necessary funds from your account with us. We debit the amount of your funds transfer on the business day you instruct us to process the funds transfer between your accounts. Each instruction to us to withdraw or transfer from an account is an order to us to pay from that account on the specified date. We may charge funds transfer against the account even though the charge creates an overdraft or constitutes a draw against unavailable funds. If you overdraw your account, you agree to immediately pay us the overdrawn amount together with any applicable fees. See the Account Agreement for details. If the account is maintained in connection with an overdraft credit plan, any overdraft will be made in accordance with the agreement or rules governing that account rather than this Agreement.