Common use of CONSUMER LIABILITY FOR UNAUTHORIZED TRANSFERS Clause in Contracts

CONSUMER LIABILITY FOR UNAUTHORIZED TRANSFERS. Liability for Unauthorized Transfers. Tell us AT ONCE if you believe any access device or PIN has been lost or stolen. 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 you tell us within two (2) business days, you can lose no more than $50.00 if someone used your 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 Card or PIN, and we can establish that we could have stopped someone from using your Card or PIN without your permission if you had told us, you could lose as much as $500.00. 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 statement was mailed to you, you may not get back any money lost after the sixty (60) days if we can establish 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. If you believe that your card or code has been lost or stolen or that someone has transferred or may transfer money from your Account without your permission, call or write to us at the telephone number or address set forth in the Rate and Fee Schedule. BUSINESS DAYS and DAILY “CUT-OFF” LIMITS: Please see page one of the Rate and Fee Schedule. CONFIDENTIALITY: We will disclose information to third parties about your account as permitted by law or the transfers you make: 1. where it is necessary for completing transfers; or 2. in order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; or 3. in order to comply with government agency or court orders; or 4. if you give us your written permission; or 5. according to our privacy pledge, which generally permits us to share information with companies that perform marketing or other services on our behalf.

CONSUMER LIABILITY FOR UNAUTHORIZED TRANSFERS. Liability for Unauthorized Transfers. Tell us AT ONCE if you believe any access device or PIN has been lost or stolen. 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 you tell us within two (2) business days, you can lose no more than $50.00 if someone used your 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 Card or PIN, and we can establish that we could have stopped someone from using your Card or PIN without your permission if you had told us, you could lose as much as $500.00. 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 statement was mailed to you, you may not get back any money lost after the sixty (60) days if we can establish 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. If you believe that your card or code has been lost or stolen or that someone has transferred or may transfer money from your Account without your permission, call or write to us at the telephone number or address set forth in the Rate and Fee Schedule. Special Rule for Debit VISA® Purchases: For Debit VISA® card purchases, you will generally have no liability for unauthorized purchases. However, if we determine that the unauthorized transactions occurred because of your gross negligence or fraud, these special limitations on liability may not apply, up to $500. BUSINESS DAYS and DAILY “CUT-OFF” LIMITS: Please see page one of the Rate and Fee Schedule. CONFIDENTIALITY: We will disclose information to third parties about your account as permitted by law or the transfers you make: 1. where it is necessary for completing transfers; or 2. in order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; or 3. in order to comply with government agency or court orders; or 4. if you give us your written permission; or 5. according to our privacy pledge, which generally permits us to share information with companies that perform marketing or other services on our behalf.

CONSUMER LIABILITY FOR UNAUTHORIZED TRANSFERS. Liability for Unauthorized Transfers. Tell us AT ONCE if If you are a Consumer customer and believe any access device one or PIN more of your Security Credentials or Cards has been lost or stolen. 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 , and you tell us within two (2) business daysBusiness Days after you learn of the loss or theft, you can lose no more than $50.00 50 for unauthorized transactions using your Card. However, if someone used your Card or PIN without your permission. If you do NOT tell us within two (2) business days Business Days after you learn of the loss or theft of your Card Security Credentials or PINCard, and we can establish that prove we could have stopped someone from using your Security Credentials or Card or PIN without your permission if you had told us, you Consumer customers could lose as much as $500.00500 from the unauthorized transactions. AlsoLosses could include not only the money in your Account, if but also advances on any credit line or savings account associated with your Account to provide overdraft protection. We will send you a monthly Account statement for your checking and savings accounts unless there are no transfers in a particular month. In any case, we will send you a statement for your checking and savings Accounts at least quarterly. (For customers who have elected to receive e-Statements, those statements will be delivered electronically. See the above subsection titled “Services Available Through Online Banking,” “Statements, including e-Statements.”) The statement will show all transfers and payments you initiated through Online Banking. If your statement shows transfers or payments that you did not make, including those made by use of your Security Credentials or Cards, tell us at once. If you are a Consumer customer and you do not tell us within sixty (60) 60 days after the statement documenting the electronic funds transfer was mailed made available to you, you may not get back any money you lost after the sixty (60) 60 days if we can establish prove that we could have stopped someone from taking the money if you had told us in time. If However, if a good reason (such as a long trip or a hospital stay) kept you from telling us, we will may extend the time periods. If you believe that your card or code has been lost or stolen or that someone has transferred or may transfer money from your Account without your permission, call or write to us at the telephone number or address set forth in the Rate and Fee Schedule. BUSINESS DAYS and DAILY “CUT-OFF” LIMITS: Please see page one of the Rate and Fee Schedule. CONFIDENTIALITY: We will disclose information to third parties about your account as permitted by law or the transfers you make: 1. where it is necessary for completing transfers; or 2. in order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; or 3. in order to comply with government agency or court orders; or 4. if you give us your written permission; or 5. according to our privacy pledge, which generally permits us to share information with companies that perform marketing or other services on our behalf.

CONSUMER LIABILITY FOR UNAUTHORIZED TRANSFERS. Liability for Unauthorized Transfers. Transfers Tell us AT ONCE if you believe any access device or PIN has been lost or stolen. 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 you tell us within two (2) business days, you can lose no more than $50.00 if someone used your 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 Card or PIN, and we can establish that we could have stopped someone from using your Card or PIN without your permission if you had told us, you could lose as much as $500.00. 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 statement was mailed to you, you may not get back any money lost after the sixty (60) days if we can establish 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. If you believe that your card or code has been lost or stolen or that someone has transferred or may transfer money from your Account without your permission, call or write to us at the telephone number or address set forth in the Rate and Fee Schedule. Special Rule for Debit VISA® Purchases: For Debit VISA® card purchases, you will generally have no liability for unauthorized purchases. However, if we determine that the unauthorized transactions occurred because of your gross negligence or fraud, these special limitations on liability may not apply, up to $500. BUSINESS DAYS and DAILY “CUT-OFF” LIMITS: Please see page one of the Rate and Fee Schedule. CONFIDENTIALITY: We will disclose information to third parties about your account as permitted by law or the transfers you make: 1. where it is necessary for completing transfers; or 2. in order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; or 3. in order to comply with government agency or court orders; or 4. if you give us your written permission; or 5. according to our privacy pledge, which generally permits us to share information with companies that perform marketing or other services on our behalf.

CONSUMER LIABILITY FOR UNAUTHORIZED TRANSFERS. Liability for Unauthorized TransfersIn an effort to minimize your loss, you must contact a customer service representative immediately if your Access ID and/or password are lost, stolen, or misplaced, or if an unauthorized transfer appears on your statement. Tell You can reach a customer service representative by calling (000)000-0000 or 0-000-000-0000 between 8 a.m. and 8 p.m. Eastern Standard Time Monday through Friday, or 8 a.m. to 5 p.m. on Saturdays, except any legal holiday. You may also write to us AT ONCE at Customer Service Center, Electronic Banking Department, 0000 X. Xxxxx Xxxxxx, Xxxxxxxxx, XX 00000. If someone initiates FNB Online account transactions without your permissible, the maximum you can lose is $50,00 if you believe any access device or PIN has been lost or stolen. 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 you tell notify us within two (2) business daysBusiness Days after learning that your Access ID and/or password was lost, you can lose no more than $50.00 if someone used stolen or that an unauthorized account access has occurred by viewing your Card or PIN without your permissionFNB Online history log. If you do NOT tell not notify us within two (2) business days after you learn of the loss or theft of your Card or PIN, and we can establish show that we could have stopped prevented someone from using your Card or PIN without your permission if account, then the maximum you had told us, you could can lose as much as is $500.00. Also, if If your deposit account statement(s) and/or line of credit billing statement shows transfers show any Transfers or Bill Payments that you did not makemake or authorize, tell you must notify us at once. You can notify us in any of the following ways: by calling (000) 000-0000 or 0-000-000-0000; by bringing your statement(s) with you to a branch office; or by writing to us at the address shown on your statement. If you do not tell notify us within sixty (60) calendar days after the statement was mailed to you, you may not get back any money lost after the sixty (60) days if we can establish prove that we could have stopped someone from taking making the money transfers if you had told us in time. If a good reason (reason, such as a long trip hospital stay or a hospital stay) an extended trip, kept you from telling usreviewing your statements and notifying us of the unauthorized use, we will may extend the these time periods. If you believe that your card IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS Call us at 000-000-0000 or code has been lost or stolen or that someone has transferred or may transfer money from your Account without your permission0-000-000-0000, call or write to us at the telephone number or address set forth in the Rate and Fee Schedule. BUSINESS DAYS and DAILY “CUT-OFF” LIMITS: Please see page one of the Rate and Fee Schedule. CONFIDENTIALITY: We will disclose information to third parties about shown on your account as permitted by law or the transfers you make: 1. where it is necessary for completing transfers; or 2. in order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; or 3. in order to comply with government agency or court orders; or 4. statement immediately if you give us think an amount, date, etc. on your written permission; statement is wrong or 5if you need more information about Transfer listed on your deposit account statement or FNB Online access history data. according We must hear from you no later than sixty (60) calendar days after we sent you the FIRST statement on which the problem or error appeared. You must do the following to our privacy pledge, which generally permits us to share information with companies that perform marketing or other services on our behalf.report an error:

CONSUMER LIABILITY FOR UNAUTHORIZED TRANSFERS. Liability for Unauthorized Transfers. Transfers- Tell us AT ONCE if you believe any access device or PIN has been lost or stolen. 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 you tell us within two (2) business days, you can lose no more than $50.00 if someone used your 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 Card or PIN, and we can establish that we could have stopped someone from using your Card or PIN without your permission if you had told us, you could lose as much as $500.00. 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 statement was mailed to you, you may not get back any money lost after the sixty (60) days if we can establish 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. If you believe that your card or code has been lost or stolen or that someone has transferred or may transfer money from your Account without your permission, call or write to us at the telephone number or address set forth in the Rate and Fee Schedule. Special Rule for Debit VISA® Purchases: For Debit VISA® card purchases, you will generally have no liability for unauthorized purchases. However, if we determine that the unauthorized transactions occurred because of your gross negligence or fraud, these special limitations on liability may not apply, up to $500. BUSINESS DAYS and DAILY “CUT-OFF” LIMITS: Please see page one of the Rate and Fee Schedule. CONFIDENTIALITY: We will disclose information to third parties about your account as permitted by law or the transfers you make: 1. where it is necessary for completing transfers; or 2. in order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; or 3. in order to comply with government agency or court orders; or 4. if you give us your written permission; or 5. according to our privacy pledge, which generally permits us to share information with companies that perform marketing or other services on our behalf.or

CONSUMER LIABILITY FOR UNAUTHORIZED TRANSFERS. Liability for Unauthorized Transfers. Tell us AT ONCE if you believe any access device or PIN has been lost or stolen. 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 you tell us within two (2) business days, you can lose no more than $50.00 if someone used your 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 Card or PIN, and we can establish that we could have stopped someone from using your Card or PIN without your permission if you had told us, you could lose as much as $500.00. 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 statement was mailed to you, you may not get back any money lost after the sixty (60) days if we can establish 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. If you believe that your card or code has been lost or stolen or that someone has transferred or may transfer money from your Account without your permission, call or write to us at the telephone number or address set forth in the Rate and Fee Schedule. Special Rule for Debit VISA® Purchases: For Debit VISA® card purchases, you will generally have no liability for unauthorized purchases. However, if we determine that the unauthorized transactions occurred because of your negligence or fraud, these special limitations on liability may not apply, up to $500. BUSINESS DAYS and DAILY “CUT-OFF” LIMITS: Please see page one of the Rate and Fee Schedule. CONFIDENTIALITY: We will disclose information to third parties about your account as permitted by law or the transfers you make: 1. where it is necessary for completing transfers; or 2. in order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; or 3. in order to comply with government agency or court orders; or 4. if you give us your written permission; or 5. according to our privacy pledge, which generally permits us to share information with companies that perform marketing or other services on our behalf.

CONSUMER LIABILITY FOR UNAUTHORIZED TRANSFERS. Liability for Unauthorized Transfers. Tell us AT ONCE if you believe any access device your Access Credentials, Emerald Card, Emerald Card number, or PIN has been lost or stolen, or if you believe that an electronic fund transfer has been made from your Card Account without your permission. 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)Card Account. If you tell us within two (2) business days2 Business Days after you learn of the loss or theft of your Access Credentials, Emerald Card, Emerald Card number, or PIN, you can lose no more than $50.00 50 if someone used your Access Credentials or Emerald Card or PIN without your permission. If you do NOT tell us within two (2) business days 2 Business Days after you learn of the loss or theft of your Access Credentials, Emerald Card, Emerald Card number, or PIN, and we can establish that prove we could have stopped someone from using your Access Credentials or Emerald Card or PIN without your permission if you had told us, you could lose as much as $500.00500. Also, if your statement electronic or written history shows transfers that 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) 60 days after you electronically access your Card Account (if the statement was mailed to youunauthorized transfer could be viewed in your electronic history) or we sent the first written history reflecting the unauthorized transfer, whichever is earlier, you may not get back any money you lost after the sixty (60) 60 days if we can establish 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. If you believe that your card or code has been lost or stolen or that someone has transferred or may transfer money from your Account without your permission, call or write to us at the telephone number or address set forth in the Rate and Fee Schedule. BUSINESS DAYS and DAILY “CUT-OFF” LIMITS: Please see page one of the Rate and Fee Schedule. CONFIDENTIALITY: We will disclose information to third parties about your account as permitted by law or the transfers you make: 1. where it is necessary for completing transfers; or 2. in order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; or 3. in order to comply with government agency or court orders; or 4. if you give us your written permission; or 5. according to our privacy pledge, which generally permits us to share information with companies that perform marketing or other services on our behalf.