Common use of Authorized Transfers Clause in Contracts

Authorized Transfers. You are liable for all Electronic Fund Transfers that you authorize, whether directly or indirectly. Unauthorized Transfers: Call +▇-▇▇▇-▇▇▇-▇▇▇▇ or email ▇▇▇▇▇▇▇@▇▇▇▇▇▇▇▇▇▇.▇▇▇ at once if you believe your Account, Your Card, Your Bank Account, or your PIN or other access information is lost or stolen or has been or may be subject to unauthorized Electronic Fund Transfers. Do so immediately to keep your possible losses to a minimum. You could lose all the money in your account(s). If you tell us within two (2) business days after learning of the loss or theft of your account access device, or after learning of any other unauthorized transfers from your account involving your account access device, you can lose no more than $50 if Electronic Fund Transfers are made without your permission. For these transactions, if you DO NOT tell us within two (2) business days after learning of the loss, theft or unauthorized use, and we can establish that we could have prevented the unauthorized transfer(s) if you had told us in time, you could lose as much as $500. Also, if your periodic account statement shows unauthorized transfers and you DO NOT tell us within sixty (60) days after the statement was delivered to you, you may not get back any money you lose after the sixty (60) day period if we can prove that we could have prevented the unauthorized transfer(s) if you had told us in time. If an extenuating circumstance (such as extended travel or hospitalization) prevents you from promptly notifying us of a suspected lost or stolen access device or of any other suspected unauthorized transfer(s), the time periods specified in this Section B may be extended for a reasonable period.

Authorized Transfers. You are liable for all Electronic Fund Transfers that you authorize, whether directly or indirectly. • Unauthorized Transfers: Call +▇-▇▇▇-▇▇▇-▇▇▇▇ or email ▇▇▇▇▇▇▇@▇▇▇▇▇▇▇▇▇▇.▇▇▇ Tell us at once if you believe your Account, Your Card, Your Bank Account, Mobile App Login ID or your PIN or other access information is password has been lost or stolen or if your Mobile App user account has been been, or may be have been, subject to unauthorized Unauthorized Electronic Fund Transfers. Do so Contact us immediately to keep your possible losses to a minimum. You could lose all the money in your account(s)Linked Account(s) and/or Exto Banking Account. • If you tell us within two four (24) business days after learning of the loss or theft of your account access device, Mobile App Login ID or password or after learning of any other unauthorized transfers from Unauthorized Electronic Fund Transfers associated with your account involving your account access deviceMobile App user account, you can lose no more than $50 if Electronic Fund Transfers are made without your permission50. For these transactionsHowever, if you DO NOT tell us within two four (24) business days after learning of the loss, theft or unauthorized useuse associated with your Mobile App user account, and we can establish that we could have prevented the unauthorized transfer(sUnauthorized Electronic Fund Transfer(s) if you had told us in time, you could lose as much as $500. Also, if • If your periodic account statement issued by your bank or financial institution shows unauthorized transfers Unauthorized Electronic Fund Transfers and you DO NOT tell us within sixty ninety (6090) days after the statement was delivered to you, you may not get back any money you lose after the sixty ninety (6090) day period if we can prove that we could have prevented the unauthorized transfer(s) if you had told us in time. If an extenuating circumstance (such as extended travel or hospitalization) prevents you from promptly notifying us of a suspected lost or stolen access device Mobile App Login ID or password or of any other suspected unauthorized transfer(sUnauthorized Electronic Fund Transfers(s), the time periods specified in this Section B 26.2 may be extended for a reasonable period.

Authorized Transfers. You are liable for all Electronic Fund Transfers that you authorize, whether directly or indirectly. Unauthorized Transfers: Call +▇-▇▇▇-▇▇▇-▇▇▇▇ or email ▇▇▇▇▇▇▇@▇▇▇▇▇▇▇▇▇▇.▇▇▇ Tell us at once if you believe your Account, Your Card, Your Bank Account, account or your PIN or other access information Access Information (as defined below) is lost or stolen or has been or may be subject to unauthorized Electronic Fund Transfers. Do so Support message us immediately to keep your possible losses to a minimum. You could lose all the money in your account(s). If you tell us within two (2) business days after learning of the loss or theft of your account access device, or after learning of any other unauthorized transfers from your account involving your account access device, you can lose no more than $50 if Electronic Fund Transfers are made without your permission. For these transactions, if you DO NOT tell us within two (2) business days after learning of the loss, theft or unauthorized use, and we can establish that we could have prevented the unauthorized transfer(s) if you had told us in time, you could lose as much as $500. Also, if your periodic account statement shows unauthorized transfers and you DO NOT tell us within sixty (60) days after the statement was delivered to you, you may not get back any money you lose after the sixty (60) day period if we can prove that we could have prevented the unauthorized transfer(s) if you had told us in time. If an extenuating circumstance (such as extended travel or hospitalization) prevents you from promptly notifying us of a suspected lost or stolen access device or of any other suspected unauthorized transfer(s), the time periods specified in this Section B may be extended for a reasonable period. Synapse Support: Bank services are provided through our banking software provider, Synapse. To report a complaint relating to the bank services, email ▇▇▇▇@▇▇▇▇▇▇▇▇▇.▇▇▇. Please contact us by emailing us at ▇▇▇▇▇▇▇@▇▇▇▇▇▇▇▇.▇▇▇ (1) if you believe a transaction receipt or a statement is wrong, or (2) if you need more information about a transaction on the receipt or statement. For consumer accounts, we must hear from you no later than sixty (60) days after we sent you the first statement on which the error or problem appeared. For business accounts, we must hear from you within one (1) business day of us sending you a receipt. Your inquiry must include: (x) your name, email associated with your account, and your account number (if available); (y) a description of the error or the transaction you are unsure about, and a clear explanation of why you believe there is an error or why you need more information; and (z) the dollar amount of the suspected error. If you tell us orally, we may require that you send us your inquiry via email within ten (10) business days.

Authorized Transfers. You are liable for all Electronic Fund Transfers that you authorize, whether directly or indirectly. • Unauthorized Transfers: Call +▇-▇▇▇-▇▇▇-▇▇▇▇ or email ▇▇▇▇▇▇▇@▇▇▇▇▇▇▇▇▇▇.▇▇▇ Tell us at once if you believe your Account, Your Card, Your Bank Account, Mobile App Login ID or your PIN or other access information is password has been lost or stolen or if your Mobile App user account has been been, or may be have been, subject to unauthorized Unauthorized Electronic Fund Transfers. Do so Contact us immediately to keep your possible losses to a minimum. You could lose all the money in your account(s)Linked Account(s) and/or Arrow Banking Account. • If you tell us within two four (24) business days after learning of the loss or theft of your account access device, Mobile App Login ID or password or after learning of any other unauthorized transfers from Unauthorized Electronic Fund Transfers associated with your account involving your account access deviceMobile App user account, you can lose no more than $50 if Electronic Fund Transfers are made without your permission50. For these transactionsHowever, if you DO NOT tell us within two four (24) business days after learning of the loss, theft or unauthorized useuse associated with your Mobile App user account, and we can establish that we could have prevented the unauthorized transfer(sUnauthorized Electronic Fund Transfer(s) if you had told us in time, you could lose as much as $500. Also, if • If your periodic account statement issued by your bank or financial institution shows unauthorized transfers Unauthorized Electronic Fund Transfers and you DO NOT tell us within sixty ninety (6090) days after the statement was delivered to you, you may not get back any money you lose after the sixty ninety (6090) day period if we can prove that we could have prevented the unauthorized transfer(s) if you had told us in time. If an extenuating circumstance (such as extended travel or hospitalization) prevents you from promptly notifying us of a suspected lost or stolen access device Mobile App Login ID or password or of any other suspected unauthorized transfer(sUnauthorized Electronic Fund Transfers(s), the time periods specified in this Section B 26.2 may be extended for a reasonable period.