Common use of Consumer Liability Clause in Contracts

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. 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). 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. If you notify us about an unauthorized transaction involving your Cash and Check Debit Card, HSA Debit Card, or Business 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 Cash and Check Debit Card, HSA Debit Card, or Business Debit Card. The zero liability provisions do not apply to PIN-based or PIN-less debit transactions not processed by the Visa® Network, including ATM transactions. Your liability for unauthorized transactions with your Cash and Check Debit Card, HSA Debit Card, or Business Debit Card that involve PIN-based or PIN-less debit transactions not processed by the Visa® Network, including ATM transactions, are described under “Consumer Liability” above.

Consumer Liability. The Customers are responsible for any EFT transaction that the Customers make with their card and PIN. The Customer are also responsible for any EFT transaction made by someone else to whom the Customer has given their card or PIN. Tell us at once AT ONCE if you believe your Debit Card 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). Also, if your monthly statement shows EFT transactions made with your card and PIN that you did not make (or give someone permission to make for you), tell us AT ONCE. If you tell us within two (2) business days after you learn of the loss or theft of learning that your Debit Card or PIN, you can lose no more than fifty dollars ($50) if someone used your Debit Card card or PIN without your permissionhave been lost or stolen, the liability shall not exceed the lessor of $50 or the amount of unauthorized transfers. If the consumer exceeds the two (2) business day limit, the Customers liability still will not exceed $500. 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). 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 notify us within sixty (60) days after we mail your statement covering the statement period in which an unauthorized transfer was transmitted to youmade, you may not receive back be liable for up to the entire amount of any money loss. If ▇▇▇▇ would have been able to have prevented a loss if you lost after had notified Helm prior to the expiration of such sixty (60) days, and thereforeday period, you could lose will be liable for all the money such losses. Helm may, in your account (plus your maximum overdraft line of creditits sole discretion, if applicable), extend this time limit if we can prove determine, in our sole discretion, that we could have stopped someone from taking the money had you given us notice in time. If such a delay was for a good reason (such as a long trip or hospital stay) keeps you from giving ). Additional limits on liability for VISA Debit Card. Unless the noticeCustomer has been grossly negligent or have engaged in fraud, we the Customer will extend not be liable for any unauthorized transactions using their lost or stolen Visa card. This additional limit on liability does not apply to ATM transactions or to transactions using the time periodsCustomers Personal Identification Number which are not processed by Visa. Visa is a registered trademark of Visa International Service Association. Contact in Event of Unauthorized Transfer. If you notify us about an unauthorized transaction involving believe your Cash card and Check Debit CardPIN has been lost or stolen or that someone has or may use them to withdraw money from your deposit Account without your permission, HSA Debit Cardtelephone the number or write to the address listed in this brochure, or Business Debit Card, and located under 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 Cash and Check Debit Card, HSA Debit Card, or Business Debit Card. The zero liability provisions do not apply to PIN-based or PIN-less debit transactions not processed by the Visa® Network, including ATM transactions. Your liability for unauthorized transactions with your Cash and Check Debit Card, HSA Debit Card, or Business Debit Card that involve PIN-based or PIN-less debit transactions not processed by the Visa® Network, including ATM transactions, are described under “Consumer Liability” aboveError Resolution Procedures For Electronic Transfer.

Consumer Liability. You agree to use a security procedure described in this Section ("Security Procedure") when you initiate a remittance. You will use a username and a password, and/or such other security and authentication methods as we may require from time to time. We may require you to answer security questions, use random number generators, or one-time passcodes. The purpose of the Security Procedure is to verify the authenticity of a remittance delivered to us in your name and not to detect errors in the transmission or content of a remittance. You agree the Security Procedure is commercially reasonable and, in view of your requirements, is a satisfactory method of verifying the authenticity of emittances. You agree you are bound by any remittance, whether or not authorized, issued in your name and accepted by us in compliance with the Security Procedure. Tell us at once AT ONCE if you believe any of your Debit Card or PIN or Internet banking access code security credentials issued by us (username, password, answers to challenge questions and similar information) has been lost or stolen, or if you believe that an electronic fund transfer a remittance has been made without your permission using information from the Service or your checksecurity credentials. 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 2 Business Days after you learn of the loss or theft of your Debit Card or PINsecurity credentials, you can lose no more than fifty dollars ($50) 50.00 if someone used your Debit Card or PIN security credentials without your permission. If you do not NOT tell us within two (2) business days 2 Business Days after you learn of the loss or theft of your Debit Card or PIN security credentials, and we can prove we could have stopped someone from using your Debit Card or PIN security credentials without your permission if you had given us noticetold us, you can could lose as much as five hundred dollars ($500)500.00. If Also, if your financial institution statement shows transfers remittances that you did not make, including those made by card, code, code or other means, tell us at once. If you do not tell us within sixty (60) 60 days after the such statement was transmitted mailed to you, you may not receive get 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), 60 days if we can prove that we could have stopped someone from taking the money if you had you given told us notice in time. If a good reason (such as a long trip or a hospital stay) keeps kept you from giving the noticetelling us, we will extend the time periods. If you notify us about an unauthorized transaction involving your Cash and Check Debit Card, HSA Debit Card, or Business 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 Cash and Check Debit Card, HSA Debit Card, or Business Debit Card. The zero liability provisions do not apply to PIN-based or PIN-less debit transactions not processed by the Visa® Network, including ATM transactions. Your liability for unauthorized transactions with your Cash and Check Debit Card, HSA Debit Card, or Business Debit Card that involve PIN-based or PIN-less debit transactions not processed by the Visa® Network, including ATM transactions, are described under “Consumer Liability” above.

Consumer Liability. Generally. Tell us at once AT ONCE if you believe your BFSFCU Visa Debit Card (card), your Audio Response System, or PIN Visa® Debit Card PINs, Digital Banking access codes, or Internet banking any other access code has been lost lost, stolen or stolencompromised, or if you believe that an electronic fund transfer has been made without your permission using information from your check, or if your account statement shows transfers that you did not authorize. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account plus your maximum available Line of Credit limit. If you tell us within two (2) 2 business days after you learn of the loss loss, theft or theft compromise of your Debit Card or card, PIN, and/or access codes, you can lose no more than fifty dollars ($50) 50 if someone used your Debit Card or card, PIN and/or access codes without your permission. If you do not NOT tell us within two (2) 2 business days after you learn of the loss loss, theft, or theft compromise of your Debit Card or card, PIN and/or access codes, and we can prove we could have stopped someone from using your Debit Card or card, PIN and/or access codes without your permission if you had given us noticetold us, you can could lose as much as five hundred dollars ($500). If your statement shows transfers that you did not make, including those made by card, PIN, access code, or other means, tell us at once. If you do not tell us within sixty (60) 60 days after the FIRST statement was transmitted mailed or made available to you, you may not receive get 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), 60 days if we can prove that we could have stopped someone from taking the money if you had you given told us notice in time. If a good reason (such as a long trip or hospital stay) keeps kept you from giving the noticetelling us, we will may extend the time periods. If you notify us about an unauthorized transaction involving furnish your Cash and Check BFSFCU Debit Card, HSA your ARS or Visa Debit CardCard PINs, Digital Banking access codes, or Business Debit Cardany other access codes, and you authorize another person (such as a family member or co-worker) who exceeds the unauthorized transaction took place on the Visa® Networkauthority given, zero liability will be imposed on you are fully liable for the unauthorized transactiontransfers unless you have provided us with prior notification that transfers by that person, whether for a specified purpose or any purpose, are no longer authorized. We may increase the limit of Account holders must regularly review their periodic statements for any errors and if you are an Digital Banking user, whenever you access Digital Banking and review your liability transaction history, or when you review Alerts regarding your accounts, you should review your transactions for such accuracy. (See Electronic Fund Transfers Disclosure located on ▇▇▇▇▇▇.▇▇▇ in its entirety for more information). Additional Limit on Liability for BFSFCU Visa Debit Card - Unless you have been negligent or have engaged in fraud, you will not be liable for any unauthorized transactions if we reasonably determine, based on substantial evidence, that you were grossly negligent using your lost or fraudulent in the handling of your account or your Cash and Check Debit Card, HSA Debit Card, or Business stolen BFSFCU Visa Debit Card. The zero This additional limit on liability provisions do does not apply to PIN-based ATM transactions or PIN-less debit to transactions using your personal identification number which are not processed by the Visa® Network. Attention: Member Relations Bank-Fund Staff Federal Credit Union ▇▇▇▇ ▇ ▇▇, including ATM transactions. Your liability for unauthorized transactions with ▇▇, ▇▇▇▇▇ ▇▇▇ Washington, DC 20006-2406 USA • if you believe your Cash and Check Debit Cardcard, HSA Debit CardPIN, or Business Debit Card that involve PIN-based access codes have been lost, stolen or PIN-less debit transactions not processed by compromised, and/or • if you believe a transaction has been made using the Visa® Network, including ATM transactions, are described under “Consumer Liability” aboveinformation from your checking account without your permission.

Consumer Liability. Generally. Tell us at once AT ONCE if you believe your BFSFCU ATM or Visa Debit Card, your ARS, ATM, or Visa Debit Card PINs, Online Banking or PIN Mobile Banking access codes, or Internet banking any other access code has been lost lost, stolen or stolencompromised, or if you believe that an electronic fund transfer trans- fer has been made without your permission using information from your check, or if your account statement shows transfers that you did not authorize. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account plus your maximum Overdraft Protection limit. If you tell us within two (2) 2 business days after you learn of the loss loss, theft or theft compromise of your Debit Card or card, PIN, and/or access codes, you can lose no more than fifty dollars ($50) 50 if someone used your Debit Card or card, PIN and/or access codes without your permission. If you do not NOT tell us within two (2) 2 business days after you learn of the loss loss, theft, or theft compromise of your Debit Card or card, PIN and/or access codes, and we can prove we could have stopped someone from using your Debit Card or card, PIN and/or access codes without your permission if you had given us noticetold us, you can could lose as much as five hundred dollars ($500). If your statement shows transfers that you did not make, including includ- ing those made by card, code, PIN or other means, tell us at once. If you do not tell us within sixty (60) 60 days after the FIRST statement was transmitted mailed or made available to you, you may not receive get 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), 60 days if we can prove that we could have stopped someone from taking the money if you had you given told us notice in time. If a good reason (such as a long trip or hospital stay) keeps kept you from giving the noticetelling us, we will may extend the time periods. You will be liable for loss or misuse of the card if you authorize another person (such as a family member or co-worker) to use your card and that person exceeds the authority you give them. If you do not notify us about at once of the unauthorized activity you may be financially liable for a portion or all of the unauthorized transfers and ATM transactions conducted, including but not limited to withdrawals from your account(s). Account holders must regularly review their monthly statements for any errors and if you are an unauthorized Online Banking user, whenever you access Online Banking and review your transaction involving your Cash and Check Debit Card, HSA Debit Cardhistory, or Business Debit Cardwhen you access Mobile Banking and review Alerts regard- ing your accounts, and the unauthorized you should review for 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 Cash and Check Debit Card, HSA Debit Card, or Business Debit Card. The zero liability provisions do not apply to PIN-based or PIN-less debit transactions not processed by the Visa® Network, including ATM transactions. Your liability for unauthorized transactions with your Cash and Check Debit Card, HSA Debit Card, or Business Debit Card that involve PIN-based or PIN-less debit transactions not processed by the Visa® Network, including ATM transactions, are described under “Consumer Liability” aboveaccuracy.

Consumer Liability. Tell us at once AT ONCE if you believe your Debit Prepaid Card or PIN or Internet banking access code information has been lost compromised or stolen, or if you believe that an electronic fund transfer someone has been made initiated or may initiate a transaction on your Prepaid Card account without your permission using information from your checkinformation. 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 Prepaid Card or PINinformation, you can lose no more than fifty dollars ($50) 50 if someone used your Debit Prepaid 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 Debit Prepaid Card or PIN information, and we can prove we could have stopped someone from using your Debit Prepaid Card or PIN without your permission if you had given us noticetold us, you can could lose as much as five hundred dollars ($500). For unauthorized Prepaid Card transactions of California resident cardholders, your liability will continue to be limited to $50, provided you comply with the notification period described in the following paragraph. If your statement Prepaid Card transaction history shows transfers a transaction(s) that you did not make, including those made by card, code, or other means, tell us at onceAT ONCE. If you do not tell us within sixty (60) 60 days after the statement earlier of the date you a.) electronically accessed your Prepaid Card transaction history on which the unauthorized transaction was transmitted to youreflected, or b.) otherwise requested and received a written transaction history from us in which the unauthorized transaction is first reflected , you may will not receive back any money you lost a refund for losses 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), 60 days if we can prove that we could have stopped someone from taking the money if you had you given told us notice in time. If a good reason (such as a long trip or a hospital stay) keeps kept you from giving the noticetelling us, we will extend the time periods. If In addition to and notwithstanding the above, in all cases you notify us about will be liable for any losses related to an unauthorized transaction involving that is not reported to us within 120 days of the date the transaction occurred, regardless of if you accessed or viewed your Cash and Check Debit Card, HSA Debit Card, or Business 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 Cash and Check Debit Card, HSA Debit Card, or Business Debit Card. The zero liability provisions do not apply to PIN-based or PIN-less debit transactions not processed by the Visa® Network, including ATM transactions. Your liability for unauthorized transactions with your Cash and Check Debit Card, HSA Debit Card, or Business Debit Card that involve PIN-based or PIN-less debit transactions not processed by the Visa® Network, including ATM transactions, are described under “Consumer Liability” abovehistory.

Consumer Liability. Generally. Tell us at once if you believe your Debit Card or ATM/check card and/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 the information from your check. Telephoning is the best way of keeping your possible losses down. If you tell us within two You could lose all of the money in your account (2) business days after you learn plus your maximum overdraft line of credit). We will be liable for all unauthorized transfers unless the unauthorized transfer was due to the loss or theft of your Debit Card card and/or PIN. If due to the loss or theft of your card and/or PIN, and you notify us within 60 days of when the unauthorized transfer appears on the statement you can lose no more than fifty dollars ($50) 50 if someone used your Debit Card or card and/or PIN without your permission. If you do not tell NOT notify us within two (2) business 60 days after you learn of the loss or theft of unauthorized transfer appears on your Debit Card or PIN statement, and we can prove that we could have stopped someone from using your Debit Card or card and/or PIN without your permission if you had given told us noticewithin 2 days of when you discover the loss or theft of your card and/or PIN, you can could lose as much as five hundred dollars ($500)500 for unauthorized transfers that appear on the statement. If Also, if your statement shows transfers that you did not make, including those made by card, code, PIN or other means, tell us at once. If you do not tell us within sixty (60) 60 days after the statement was transmitted mailed to you, you may not receive get 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), 60 days if we can prove that we could have stopped someone from taking the money if you had you given told us notice in time. If a good reason (such as a long trip or a hospital stay) keeps kept you from giving the noticetelling us, we will extend the time periods. If you notify us about an Additional Limits on Liability for The Bank Cash & Check Card. You will not be liable for any unauthorized transaction involving transactions using your The Bank Cash and Check Debit CardCard if: (i) you can demonstrate that you have exercised reasonable care in safeguarding your card from the risk of loss or theft, HSA Debit Cardand (ii) upon becoming aware of a loss or theft, you promptly report the loss or Business Debit Cardtheft to us. Mastercard is a registered trademark, 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 circles design is a trademark 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 Cash and Check Debit Card, HSA Debit Card, or Business Debit Card. The zero liability provisions do not apply to PIN-based or PIN-less debit transactions not processed by the Visa® Network, including ATM transactions. Your liability for unauthorized transactions with your Cash and Check Debit Card, HSA Debit Card, or Business Debit Card that involve PIN-based or PIN-less debit transactions not processed by the Visa® Network, including ATM transactions, are described under “Consumer Liability” aboveMastercard International Incorporated.

Consumer Liability. Generally. Tell us at once if you believe your Debit Card or ATM card and/or PIN or Internet banking access code check card and/or PIN has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using the information from your check. Telephoning is the best way of keeping your possible losses down. If you tell us within two You could lose all of the money in your account (2) business days after you learn plus your maximum overdraft line of credit). We will be liable for all unauthorized transfers unless the unauthorized transfer was due to the loss or theft of your Debit Card card and/or PIN. If due to the loss or theft of your card and/or PIN, and you notify us within 60 days of when the unauthorized transfer appears on the statement you can lose no more than fifty dollars ($50) 50 if someone used your Debit Card or card and/or PIN without your permission. If you do not tell NOT notify us within two (2) business 60 days after you learn of the loss or theft of unauthorized transfer appears on your Debit Card or PIN statement, and we can prove that we could have stopped someone from using your Debit Card or card and/or PIN without your permission if you had given told us noticewithin 2 days of when you discover the loss or theft of your card and/or PIN, you can could lose as much as five hundred dollars ($500)500 for unauthorized transfers that appear on the statement. If Also, if your statement shows transfers that you did not make, including those made by card, code, PIN or other means, tell us at once. If you do not tell us within sixty (60) 60 days after the statement was transmitted mailed to you, you may not receive get 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), 60 days if we can prove that we could have stopped someone from taking the money if you had you given told us notice in time. If a good reason (such as a long trip or a hospital stay) keeps kept you from giving the noticetelling us, we will extend the time periods. If you notify us about an Additional Limits on Liability for The Bank Cash & Check Card. You will not be liable for any unauthorized transaction involving transactions using your The Bank Cash and Check Debit CardCard if: (i) you can demonstrate that you have exercised reasonable care in safeguarding your card from the risk of loss or theft, HSA Debit Cardand (ii) upon becoming aware of a loss or theft, you promptly report the loss or Business Debit Cardtheft to us. Mastercard is a registered trademark, 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 circles design is a trademark 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 Cash and Check Debit Card, HSA Debit Card, or Business Debit Card. The zero liability provisions do not apply to PIN-based or PIN-less debit transactions not processed by the Visa® Network, including ATM transactions. Your liability for unauthorized transactions with your Cash and Check Debit Card, HSA Debit Card, or Business Debit Card that involve PIN-based or PIN-less debit transactions not processed by the Visa® Network, including ATM transactions, are described under “Consumer Liability” aboveMastercard International Incorporated.

Consumer Liability. Generally. Tell us at once AT ONCE if you believe your BFSFCU ATM or Visa Debit Card (card), your ARS, ATM, or PIN Visa Debit Card PINs, Online Banking or Internet banking Mobile Banking access codes, or any other access code has been lost lost, stolen or stolencompromised, or if you believe that an electronic fund transfer has been made without your permission using information infor- mation from your check, or if your account statement shows transfers that you did not authorize. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account plus your maximum Overdraft Protection limit. If you tell us within two (2) 2 business days after you learn of the loss loss, theft or theft compromise of your Debit Card or card, PIN, and/or access codes, you can lose no more than fifty dollars ($50) 50 if someone used your Debit Card or card, PIN and/or access codes without your permission. If you do not NOT tell us within two (2) 2 business days after you learn of the loss loss, theft, or theft compromise of your Debit Card or card, PIN and/or access codes, and we can prove we could have stopped someone from using your Debit Card or card, PIN and/or access codes without your permission if you had given us noticetold us, you can could lose as much as five hundred dollars ($500). If your statement shows transfers that you did not make, including includ- ing those made by card, code, PIN or other means, tell us at once. If you do not tell us within sixty (60) 60 days after the FIRST statement was transmitted mailed or made available to you, you may not receive get 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), 60 days if we can prove that we could have stopped someone from taking the money if you had you given told us notice in time. If a good reason (such as a long trip or hospital stay) keeps kept you from giving the noticetelling us, we will may extend the time periods. If Account holders must regularly review their monthly statements for any errors and if you notify us about are an unauthorized Online Banking user, whenever you access Online Banking and review your transaction involving your Cash and Check Debit Card, HSA Debit Cardhistory, or Business Debit Cardwhen you access Mobile Banking and review Alerts regard- ing your accounts, and the unauthorized you should review for 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 Cash and Check Debit Card, HSA Debit Card, or Business Debit Card. The zero liability provisions do not apply to PIN-based or PIN-less debit transactions not processed by the Visa® Network, including ATM transactions. Your liability for unauthorized transactions with your Cash and Check Debit Card, HSA Debit Card, or Business Debit Card that involve PIN-based or PIN-less debit transactions not processed by the Visa® Network, including ATM transactions, are described under “Consumer Liability” aboveaccuracy.

Consumer Liability. Generally. Tell us at once if you believe your Debit Card or ATM card and/or PIN or Internet banking access code check card and/or PIN has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using the information from your check. Telephoning is the best way of keeping your possible losses down. If you tell us within two You could lose all of the money in your account (2) business days after you learn plus your maximum overdraft line of credit). We will be liable for all unauthorized transfers unless the unauthorized transfer was due to the loss or theft of your Debit Card card and/or PIN. If due to the loss or theft of your card and/or PIN, and you notify us within 60 days of when the unauthorized transfer appears on the statement you can lose no more than fifty dollars ($50) 50 if someone used your Debit Card or card and/or PIN without your permission. If you do not tell NOT notify us within two (2) business 60 days after you learn of the loss or theft of unauthorized transfer appears on your Debit Card or PIN statement, and we can prove that we could have stopped someone from using your Debit Card or card and/or PIN without your permission if you had given told us noticewithin 2 days of when you discover the loss or theft of your card and/or PIN, you can could lose as much as five hundred dollars ($500)500 for unauthorized transfers that appear on the statement. If Also, if your statement shows transfers that you did not make, including those made by card, code, PIN or other means, tell us at once. If you do not tell us within sixty (60) 60 days after the statement was transmitted mailed to you, you may not receive get 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), 60 days if we can prove that we could have stopped someone from taking the money if you had you given told us notice in time. If a good reason (such as a long trip or a hospital stay) keeps kept you from giving the noticetelling us, we will extend the time periods. If you notify us about an Additional Limits on Liability for The Bank Cash & Check Card. You will not be liable for any unauthorized transaction involving transactions using your The Bank Cash and Check Debit Card, HSA Debit Card, or Business Debit Card, and the unauthorized transaction took place on the Visa® Network, zero liability will be imposed on Card if: (i) 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, can demonstrate that you were grossly negligent have exercised reasonable care in safeguarding your card from the risk of loss or fraudulent in theft, and (ii) upon becoming aware of a loss or theft, you promptly report the handling of your account loss or your Cash and Check Debit Card, HSA Debit Card, or Business Debit Card. The zero liability provisions do not apply theft to PIN-based or PIN-less debit transactions not processed by the Visa® Network, including ATM transactions. Your liability for unauthorized transactions with your Cash and Check Debit Card, HSA Debit Card, or Business Debit Card that involve PIN-based or PIN-less debit transactions not processed by the Visa® Network, including ATM transactions, are described under “Consumer Liability” aboveus.

Consumer Liability.  Generally. Tell us at once AT ONCE if you believe think your Debit Card or PIN or Internet banking access card and/or code has been lost or stolenlost, 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). 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 You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within 2 business days after your learn of the loss or theft of your card and/or code, you can lose no more than $50 if applicable)someone used your card and/or code without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft of your card and/or code, and we can prove we could have stopped someone from using your card and/or code without your permission if you have told us, you could lose as much as $50. Also if your statement shows transfers that you did not make, including those made by card, code or other means, tell us at once. If you do dot tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had you given told us notice in time. If a good reason (such as a long trip or a hospital stay) keeps kept you from giving the noticetelling us, we will extend the time periods. If you notify us about an unauthorized transaction involving your Cash and Check  Additional Limits of Liability for MasterMoneyTM Debit Card, HSA when used for point-of-sale transactions. You will not be liable for any unauthorized transactions using your MasterMoneyTM Debit Card, when used for point- of-sale transactions if: (i) you can demonstrate that you have exercised reasonable care in safeguarding your card from the risk of loss or Business Debit Cardtheft, (ii) you have not reported to us two or more incidents of unauthorized use with the prior twelve-month period, and (iii) your account is in good standing. If any of these conditions are not met, your liability is the lesser of $50 or the amount of money, property, labor or services obtained by the unauthorized transaction took place on use before notification to us. "Unauthorized use" means the Visa® Network, zero liability will be imposed on you for the unauthorized transaction. We may increase the limit use of your liability MasterMoneyTM debit card by a person, other than you, who does not have actual, implied, or apparent authority for such unauthorized transactions if we reasonably determineuse, based and from which you receive no benefit. This additional limitation on substantial evidence, that you were grossly negligent or fraudulent in the handling of your account or your Cash and Check Debit Card, HSA Debit Card, or Business Debit Card. The zero liability provisions do does not apply to PIN-based transactions or PIN-less debit transactions not processed by the Visa® Network, including ATM transactions. Your liability for unauthorized transactions with your Cash and Check Debit Card, HSA Debit Card, or Business Debit Card that involve PIN-based or PIN-less debit transactions not processed by the Visa® Network, including ATM transactions, are described under “Consumer Liability” aboveMasterCard.

Consumer Liability. Tell us at once AT ONCE if you believe your Debit Card debit card or PIN or Internet internet banking access code has been lost or stolen, 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 limiting your possible losses downlosses. If you tell us within two (2) business days after you learn of the loss or theft of your Debit Card debit card or PIN, you can lose no more than fifty dollars ($50) if someone used your Debit Card 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 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). If 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 lose after the sixty (60) days, 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. If you notify us about an unauthorized transaction involving Important notification time frames and other requirements and terms relating to your Cash and Check Debit Card, HSA Debit Card, or Business 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 Cash and Check Debit Card, HSA Debit Card, or Business Debit Card. The zero liability provisions do not apply to PIN-based or PIN-less debit transactions not processed by the Visa® Network, including ATM transactions. Your liability for unauthorized transactions with are stated in the Electronic Fund Transfer Disclosure at: ▇▇▇▇▇://▇▇▇.▇▇▇▇▇▇▇▇▇▇.▇▇▇/About/Resources/Notices- Disclosures/Electronic-Fund-Transfer-Disclosure. Notification should be made as soon as possible if you think your Cash statement or receipt is wrong or if you need more information about a transaction listed on the statement or receipt. You must contact Ameris Bank no later than sixty (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: i. Your name and Check Debit Card, HSA Debit Cardaccount number (if any). ii. A description of the error and transfer in question. iii. An explanation as to why you believe it is an error, or Business Debit Card why you need more information. iv. The dollar amount involved, the dollar amount of the suspected error. • If through no fault of ours, you do not have enough money in your account to make the transfer. • If the transfer would result in your exceeding the credit limit on your line of credit, if you have one. • If the electronic terminal was not working properly and you knew about the breakdown before you started the transfer. • If circumstances beyond our control (such as fire or flood, computer or machine breakdown, or failure or interruption of communications facilities) prevent the transfer, despite reasonable precautions we have taken. • If we have terminated our Agreement with you. • When your debit card has been reported lost or stolen or we have reason to believe that involve PIN-based something is wrong with a transaction. • If we receive inaccurate or PIN-less debit transactions incomplete information needed to complete a transaction. • In the case of preauthorized transfers, we will not processed by be liable where there is a breakdown of the Visa® Network, including ATM transactions, system which would normally handle the transfer. • If the funds in the account are described under “Consumer Liability” abovesubject to legal action preventing a transfer to or from your account.

Consumer Liability. Tell us at once You are responsible for all transactions you authorize using Bill Payment Services under this Agreement. If you permit other persons to use your Bill Payment Service or Password, you are responsible for any transactions they authorize or conduct on any of your accounts, even if that amount exceeds what you have authorized. If you believe that someone has debited or transferred or may transfer money from your Debit Card or PIN or Internet banking access code has been lost or stolenaccount without your permission, or if you believe that an electronic fund transfer your account has been made without compromised in some fashion, or if you believe your permission using information from your check. Telephoning is the best way of keeping your possible losses downPassword has been lost, stolen or compromised call us or write us immediately. If you tell permit someone to have access to your Password and that person uses your Password, we will treat this as though you have authorized the person to use your Password. You must then give us within two (2) written notice revoking the person’s authority to use your Password, and this notice will only be effective as to transactions made after midnight on the next business days after you learn of day following the loss or theft business day on which we received the written notice. You will be liable for fraudulent use of your Debit Card or PIN, you can lose no more than fifty dollars ($50) if someone used Password on 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 account in any situation where we can prove we could have stopped someone from using your Debit Card demonstrate that you acted alone or PIN without your permission if you had given us notice, you can lose as much as five hundred dollars ($500)with others in an attempt to defraud us. If your periodic statement shows transfers you did not make, including those made by card, codean unauthorized transfer, or other meansif you identify any errors or discrepancies in your statement or transaction record, tell or if you need any information about a transaction listed on the statement or transaction record please notify us at once. If you do not tell us within sixty (60) days after the statement was transmitted mailed to youyou or when your eStatement was made available for your review on our website, you may not receive get 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), days if we can prove that we could have stopped someone from taking doing the money transfers / transactions if you had you given told us notice in time. You must notify the credit union within sixty (60) days after we have sent the first statement on which the problem or error appeared or when your eStatement was made available for your review on our website. If a good reason we do not receive notification within the sixty (such as a long trip or hospital stay60) keeps days and obtain completed documents and affidavits necessary to investigate your claim, you from giving may face unlimited liability for all unauthorized transfers made after the notice, we will extend sixty (60) day period and before notice is given to the time periodscredit union. If you notify us about an verbally, we may require that you send us your complaint or question in writing within ten (10) business days. To report unauthorized transaction involving activity: Call: (▇▇▇) ▇▇▇-▇▇▇▇ or (▇▇▇) ▇▇▇-▇▇▇▇ Or Write: Credit Union of Denver PO Box 261420  Tell us your Cash and Check Debit Card, HSA Debit Card, or Business Debit Card, name and the unauthorized transaction took place on number of the Visa® Network, zero liability will be imposed on you for account used to pay the unauthorized transactionbill. We may increase  Tell us 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 applicable payee name and account number.  Tell us the handling of your account or your Cash date the payment was sent and Check Debit Card, HSA Debit Card, or Business Debit Cardthe payment amount. The zero liability provisions do not apply  Tell us the bill pay confirmation number.  Arrange to PIN-based or PIN-less debit transactions not processed by complete and submit to the Visa® Network, including ATM transactions. Your liability for unauthorized transactions with your Cash Credit Union all required documents and Check Debit Card, HSA Debit Card, or Business Debit Card that involve PIN-based or PIN-less debit transactions not processed by affidavits within the Visa® Network, including ATM transactions, are described under “Consumer Liability” aboverequired time frames (as applicable).

Consumer Liability. Tell You agree to notify us at once AT ONCE if you believe your Debit Card or PIN or Internet banking access code password 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 us at ▇▇▇- ▇▇▇-▇▇▇▇ promptly is the best way of keeping your to protect yourself from possible losses downlosses. If you never tell us, you could lose all of the money in your account (plus your maximum overdraft line of credit or Overdraft Privilege). However, if you tell us within two (2) 2 business days that someone used your password without your permission, you can lose no more than $50. If you do NOT tell us within 2 business days after you learn of the loss or theft of your Debit Card or PINpassword, 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 password without your permission if you had given us noticetold us, you can could lose as much as five hundred dollars ($500). You can see a complete statement of all your POPMoney transfers completed or pending at any time by clicking on the Activity tab. If your statement shows transfers that you did not make, including those made by card, code, or other means, tell notify us at onceAT ONCE. If you do not tell us within sixty (60) 60 days after the statement transfer was transmitted posted to youyour statement, you may not receive get back any money you lost after the sixty (60) 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 if you had you given told us notice in time. The Service will process requests for transfers on business days until 5 p.m. EST. Our business days are Monday through Friday. Holidays and Bank Holidays are not included. You may access POPMoney within the Service to transfer funds from one of your Accounts to an account of a Recipient. You may send POPMoney to a Recipient via a text message to their mobile telephone number or an email message to their email address, or by providing us with the recipient’s account number and bank routing number. POPMoney transfers are limited to an aggregate of $2,000 for next day delivery and $5,000 for standard delivery. This means $2,000/$5,000 (next day/standard delivery) in total for outstanding outbound and incoming POPMoney transfers relating to all of your accounts. You may make up to $5,000/$15,000 (next day/standard delivery) in POPMoney transfers (outbound payments to others or receipt of incoming funds to your account from others) within a rolling 30-day period. We may from time to time for security and risk management reasons modify the limit, the frequency and the dollar amount of transfers you can make using our Service. We reserve the right to change from time to time the dollar amount of POPMoney transfers you are permitted to make using our Service. Additionally, there are limits to the number of transfers you can make from your Tidemark FCU savings account. Please refer to your copy of the account disclosures provided to you when you opened your account. Generally, POPMoney transfers are completed within 3 business days. If the POPMoney transfer is initiated by sending an email or mobile phone text message to the Recipient, the Recipient must respond by providing their bank routing number and checking account number to the Service within 10 business days. If the Recipient fails to respond timely with the required information, the POPMoney transfer will be cancelled/voided. You may make one-time POPMoney transfers to Recipients or you may establish recurring/scheduled transfers to a good reason (such as Recipient. You may cancel a long trip or hospital stay) keeps you from giving recurring POPMoney transfer until 5 p.m. EST on the notice, we will extend business day the time periodstransfer is scheduled to be made by accessing POPMoney in our Online Banking website. If you notify need to stop a POPMoney transfer after it is sent, please contact us about an unauthorized transaction involving at ▇▇▇-▇▇▇-▇▇▇▇ and we will attempt to retrieve it for you. However, we may be unable to stop the payment. Without limiting the foregoing, in the event that your Cash use of the POPMoney Service has been suspended and Check Debit Cardreinstated as provided herein (see "Suspension and Reinstatement of POPMoney Service" below), HSA Debit Cardyou understand and agree that your use of the Service thereafter may be subject to lower dollar amount limitations than would otherwise be permitted by us. We reserve the right to decline to effect/complete any POPMoney transfer, to submit funds transfer instructions or orders, or Business 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 to carry out any change or fraudulent in the handling of your account or your Cash and Check Debit Card, HSA Debit Card, or Business Debit Card. The zero liability provisions do not apply to PIN-based or PIN-less debit transactions not processed by the Visa® Network, including ATM transactions. Your liability for unauthorized transactions with your Cash and Check Debit Card, HSA Debit Card, or Business Debit Card that involve PIN-based or PIN-less debit transactions not processed by the Visa® Network, including ATM transactions, are described under “Consumer Liability” abovecancellation requests.

Consumer Liability. Generally. Tell us at once AT ONCE if you believe your BFSFCU Visa Debit Card (card), your Audio Response System, or PIN Visa® Debit Card PINs, Digital Banking access codes, or Internet banking any other access code has been lost lost, stolen or stolencompromised, or if you believe that an electronic fund transfer has been made without your permission using information from your check, or if your account statement shows transfers that you did not authorize. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account plus your maximum available Line of Credit limit. If you tell us within two (2) 2 business days after you learn of the loss loss, theft or theft compromise of your Debit Card or card, PIN, and/or access codes, you can lose no more than fifty dollars ($50) 50 if someone used your Debit Card or card, PIN and/or access codes without your permission. If you do not NOT tell us within two (2) 2 business days after you learn of the loss loss, theft, or theft compromise of your Debit Card or card, PIN and/or access codes, and we can prove we could have stopped someone from using your Debit Card or card, PIN and/or access codes without your permission if you had given us noticetold us, you can could lose as much as five hundred dollars ($500). If your statement shows transfers that you did not make, including those made by card, PIN, access code, or other means, tell us at once. If you do not tell us within sixty (60) 60 days after the FIRST statement was transmitted mailed or made available to you, you may not receive get 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), 60 days if we can prove that we could have stopped someone from taking the money if you had you given told us notice in time. If a good reason (such as a long trip or hospital stay) keeps kept you from giving the noticetelling us, we will may extend the time periods. If you notify us about an unauthorized transaction involving furnish your Cash and Check BFSFCU Debit Card, HSA your ARS or Visa Debit CardCard PINs, Digital Banking access codes, or Business Debit Cardany other access codes, and you authorize another person (such as a family member or co-worker) who exceeds the unauthorized transaction took place on the Visa® Networkauthority given, zero liability will be imposed on you are fully liable for the unauthorized transactiontransfers unless you have provided us with prior notification that transfers by that person, whether for a specified purpose or any purpose, are no longer authorized. We may increase the limit of Account holders must regularly review their periodic statements for any errors and if you are an Digital Banking user, whenever you access Digital Banking and review 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 Cash and Check Debit Card, HSA Debit Cardtransaction history, or Business Debit Cardwhen you review Alerts regarding your accounts, you should review your transactions for accuracy. The zero liability provisions do not apply to (See Electronic Fund Transfers Disclosure located on ▇▇▇▇▇▇.▇▇▇ in its entirety for more information). Attention: Member Relations Bank-Fund Staff Federal Credit Union ▇▇▇▇ ▇ ▇▇, ▇▇, ▇▇▇▇▇ ▇▇▇ Washington, DC 20006-2406 USA  if you believe your card, PIN-based or PIN-less debit transactions not processed by the Visa® Network, including ATM transactions. Your liability for unauthorized transactions with your Cash and Check Debit Card, HSA Debit Card, or Business Debit Card that involve PIN-based access codes have been lost, stolen or PIN-less debit transactions not processed by compromised, and/or  if you believe a transaction has been made using the Visa® Network, including ATM transactions, are described under “Consumer Liability” aboveinformation from your checking account without your permission.

Consumer Liability. Tell Lost or Stolen Password/Unauthorized Transfers – The following determines your liability for any unauthorized electronic fund transfer (“EFT”) or any series of related unauthorized EFTs. Call us AT ONCE at once (▇▇▇) ▇▇▇-▇▇▇▇ if you believe your Debit Card or PIN or Internet banking access code password has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your checkOnline Banking. Telephoning is the best way of keeping your possible losses down. You could lose all of the money in your account plus your maximum overdraft protection amount available. If you tell us believe that your password has been lost or stolen, please use the password change feature within Online Banking to change your password. As a general rule, it is a good practice to change your password on a periodic basis. If you notify the Bank within two (2) business days after you learn learning that your password was lost or stolen, your liability will not exceed $50.00 or the amount of the loss unauthorized EFTs that occur before notification, whichever is less. Each owner is responsible for transactions conducted by individuals with whom User ID and/or Password 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 permissionother key information have been shared. If you do not tell us fail to notify the Bank within two (2) business days after you learn learning that your password was lost or stolen, your liability will not exceed the lesser of $500.00 or the loss total of: $50.00 or theft the amount of your Debit Card or PIN unauthorized EFTs that occur within the two (2) business days; plus The total of unauthorized EFTs which occur after the first two (2) days and we can prove we could before the customer gives notice to the Bank, provided the Bank establishes that these EFTs would not have stopped someone from using your Debit Card or PIN without your permission occurred had the Bank been notified within that two-day period. Also, if you had given us notice, you can lose as much as five hundred dollars ($500). If your statement shows transfers a transfer 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) You must report an unauthorized EFT that appears on your periodic statement, no later than 60 days after we send you the statement was transmitted to you, you may not receive back any money you lost avoid unlimited liability for all unauthorized transfers made after the sixty (60) days-day period. The consumer’s liability for unauthorized transfers before the statement is sent, and thereforeup to the 60 days following, you could lose all is determined based on the money in your account (plus your maximum overdraft line first two tiers of credit, if applicable), if we can prove that we could have stopped someone from taking the money had you given us notice in timeliability as stated above. If a good reason (such as a long trip or hospital stay) keeps you from giving the noticeyour delay in notifying us was due to extenuating circumstances, we will may at our discretion extend the time periods. If you notify us about an unauthorized transaction involving your Cash and Check Debit Card, HSA Debit Card, or Business 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 Cash and Check Debit Card, HSA Debit Card, or Business Debit Card. The zero liability provisions do not apply to PIN-based or PIN-less debit transactions not processed by the Visa® Network, including ATM transactions. Your liability for unauthorized transactions with your Cash and Check Debit Card, HSA Debit Card, or Business Debit Card that involve PIN-based or PIN-less debit transactions not processed by the Visa® Network, including ATM transactions, are described under “Consumer Liability” frames specified above.

Consumer Liability. Generally Tell us at once if you believe your Debit Card or ATM/check card and/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 the information from your check. Telephoning is the best way of keeping your possible losses down. If you tell us within two You could lose all of the money in your account (2) business days after you learn plus your maximum overdraft line of credit). We will be liable for all unauthorized transfers unless the unauthorized transfer was due to the loss or theft of your Debit Card card and/or PIN. If due to the loss or theft of your card and/or PIN, and you notify us within 60 days of when the unauthorized transfer appears on the statement you can lose no more than fifty dollars ($50) 50 if someone used your Debit Card or card and/or PIN without your permission. If you do not tell NOT notify us within two (2) business 60 days after you learn of the loss or theft of unauthorized transfer appears on your Debit Card or PIN statement, and we can prove that we could have stopped someone from using your Debit Card or card and/or PIN without your permission if you had given told us noticewithin 2 days of when you discover the loss or theft of your card and/or PIN, you can could lose as much as five hundred dollars ($500)500 for unauthorized transfers that appear on the statement. If Also, if your statement shows transfers that you did not make, including those made by card, code, PIN or other means, tell us at once. If you do not tell us within sixty (60) 60 days after the statement was transmitted mailed to you, you may not receive get 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), 60 days if we can prove that we could have stopped someone from taking the money if you had you given told us notice in time. If a good reason (such as a long trip or a hospital stay) keeps kept you from giving the noticetelling us, we will extend the time periods. If you notify us about an Additional Limits on Liability for The Bank Cash & Check Card. You will not be liable for any unauthorized transaction involving transactions using your The Bank Cash and Check Debit CardCard if: (i) you can demonstrate that you have exercised reasonable care in safeguarding your card from the risk of loss or theft, HSA Debit Cardand (ii) upon becoming aware of a loss or theft, you promptly report the loss or Business Debit Cardtheft to us. Mastercard is a registered trademark, 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 circles design is a trademark 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 Cash and Check Debit Card, HSA Debit Card, or Business Debit Card. The zero liability provisions do not apply to PIN-based or PIN-less debit transactions not processed by the Visa® Network, including ATM transactions. Your liability for unauthorized transactions with your Cash and Check Debit Card, HSA Debit Card, or Business Debit Card that involve PIN-based or PIN-less debit transactions not processed by the Visa® Network, including ATM transactions, are described under “Consumer Liability” aboveMastercard International Incorporated.

Consumer Liability. Tell us at once AT ONCE if you believe your Debit Card debit card or PIN or Internet internet banking access code has been lost or stolen, 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 debit card or PIN, PIN you can lose no more than fifty dollars ($50) if someone used your Debit Card 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 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). If 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. If you notify us about an unauthorized transaction involving Important notification time frames and other requirements and terms relating to your Cash and Check Debit Card, HSA Debit Card, or Business 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 Cash and Check Debit Card, HSA Debit Card, or Business Debit Card. The zero liability provisions do not apply to PIN-based or PIN-less debit transactions not processed by the Visa® Network, including ATM transactions. Your liability for unauthorized transactions with are stated in the Electronic Fund Transfer Disclosure. Notification should be made as soon as possible if you think your Cash statement or receipt is wrong or if you need more information about a transaction listed on the statement or receipt. You must contact Ameris Bank no later than sixty (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: i Your name and Check Debit Card, HSA Debit CardAccount number (if any). ii A description of the error and transfer in question. iii An explanation as to why you believe it is an error, or Business Debit Card why you need more information. iv The dollar amount involved; the dollar amount of the suspected error. • If through no fault of ours, you do not have enough money in your account to make the transfer. • If the transfer would result in your exceeding the credit limit on your line of credit, if you have one. • If the electronic terminal was not working properly and you knew about the breakdown before you started the transfer. • If circumstances beyond our control (such as fire or flood, computer or machine breakdown, or failure or interruption of communications facilities) prevent the transfer, despite reasonable precautions we have taken. • If we have terminated our Agreement with you. • When your debit card has been reported lost or stolen or we have reason to believe that involve PIN-based something is wrong with a transaction. • If we receive inaccurate or PIN-less debit transactions incomplete information needed to complete a transaction. • In the case of preauthorized transfers, we will not processed by be liable where there is a breakdown of the Visa® Network, including ATM transactions, system which would normally handle the transfer. • If the funds in the account are described under “Consumer Liability” abovesubject to legal action preventing a transfer to or from your Account.

Consumer Liability. Tell us at once if you believe your Debit Card or PIN or Internet banking Online 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). 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 Card comes with Zero Liability Card Protection for unauthorized transactions that you report promptly. With Zero Liability Card Protection, if your card is ever lost or stolen and used without your permission, you must tell us immediately. If you do, you may not be responsible for unauthorized transactions made using your Card. If you notify us about an unauthorized transaction involving your Cash and Check Debit Card, HSA Debit Card, or Business Debit Card, and the unauthorized transaction took place within 60 days of when the first Account statement showing the unauthorized transaction was delivered, you will be protected for your losses on the Visa® NetworkAccount. If you notify us about the unauthorized transaction after 60 days, zero liability will be imposed on we may not reimburse you for the unauthorized transactiontransactions. We You may increase be required to provide documentation to support your claim, including an affidavit of unauthorized use and a police report. In addition, we will consider whether any negligence on the limit part of your liability for such the cardholder has contributed to the transaction in question. The Following are not considered to be unauthorized transactions if we reasonably determineunder Zero Liability protection, based which means you are liable for any transaction: By a cardholder or person authorized by a cardholder, or other person with an interest in or authority to transact business on substantial evidence, that the Account. By a person you were grossly negligent or fraudulent in the handling of have authorized to use your account or your Cash and Check Debit Card, HSA Debit Cardeven if that person has exceeded the authority you gave. A merchant has processed in error, or Business Debit Cardyou are unhappy with goods or services you purchased. In these cases, first contact the merchant to resolve the situation. That resulted from inadequate internal controls in your organization. If you suspect that your Card has been lost or stolen, or that an unauthorized transaction has been made with the Card issued to you, notify us as soon as possible. The zero liability provisions do not apply to PIN-based or PIN-less debit transactions not processed by sooner you notify us, the Visa® Networksooner we can protect the linked Accounts. A delay in reporting the unauthorized transaction may affect your Zero Liability protection, including ATM transactions. Your liability for unauthorized transactions with your Cash and Check Debit Card, HSA Debit Card, or Business Debit Card that involve PIN-based or PIN-less debit transactions not processed by the Visa® Network, including ATM transactions, are described under “Consumer Liability” as defined above.

Consumer Liability. Generally. Tell us at once if you believe your Debit Card or PIN or Internet banking access card and/or 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 You could lose all of the money in your account (2) business days after you learn plus your maximum overdraft line of credit). We will be liable for all unauthorized transfers unless the unauthorized transfer was due to the loss or theft of your Debit Card card and/or code. If due to the loss or PINtheft of your card and/or code, and you notify us within 60 days of when the unauthorized transfer appears on the statement you can lose no more than fifty dollars ($50) 50 if someone used your Debit Card or PIN card and/or code without your permission. If you do not tell NOT notify us within two (2) business 60 days after you learn of the loss or theft of unauthorized transfer appears on your Debit Card or PIN statement, and we can prove that we could have stopped someone from using your Debit Card or PIN card and/or code without your permission if you had given told us noticewithin 2 days of when you discover the loss or theft of your card and/or code, you can could lose as much as five hundred dollars ($500)500 for unauthorized transfers that appear on the statement. If Also, if your statement shows transfers that you did not make, including those made by card, code, code or other means, tell us at once. If you do not tell us within sixty (60) 60 days after the statement was transmitted mailed to you, you may not receive get 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), 60 days if we can prove that we could have stopped someone from taking the money if you had you given told us notice in time. If a good reason (such as a long trip or a hospital stay) keeps kept you from giving the noticetelling us, we will extend the time periods. If you notify us about an unauthorized transaction involving your Cash and Check • Additional Limits on Liability for Mastercard®-branded Debit Card. You will not be liable for any unauthorized transactions using your Mastercard®-branded Debit Card if: (i) you can demonstrate that you have exercised reasonable care in safeguarding your card from the risk of loss or theft, HSA Debit Cardand (ii) upon becoming aware of a loss or theft, you promptly report the loss or Business Debit Cardtheft to us. Mastercard is a registered trademark, 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 circles design is a trademark 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 Cash and Check Debit Card, HSA Debit Card, or Business Debit Card. The zero liability provisions do not apply to PIN-based or PIN-less debit transactions not processed by the Visa® Network, including ATM transactions. Your liability for unauthorized transactions with your Cash and Check Debit Card, HSA Debit Card, or Business Debit Card that involve PIN-based or PIN-less debit transactions not processed by the Visa® Network, including ATM transactions, are described under “Consumer Liability” aboveMastercard International Incorporated.

Consumer Liability. ⚫ Generally. Tell us at once AT ONCE if you believe think your Debit Card or PIN or Internet banking access card and/or code has been lost or stolenlost, 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). 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 You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within 2 business days after your learn of the loss or theft of your card and/or code, you can lose no more than $50 if applicable)someone used your card and/or code without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft of your card and/or code, and we can prove we could have stopped someone from using your card and/or code without your permission if you have told us, you could lose as much as $50. Also if your statement shows transfers that you did not make, including those made by card, code or other means, tell us at once. If you do dot tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had you given told us notice in time. If a good reason (such as a long trip or a hospital stay) keeps kept you from giving the noticetelling us, we will extend the time periods. If you notify us about an unauthorized transaction involving your Cash and Check ⚫ Additional Limits of Liability for MasterMoneyTM Debit Card, HSA when used for point-of-sale transactions. You will not be liable for any unauthorized transactions using your MasterMoneyTM Debit Card, when used for point-of-sale transactions if: (i) you can demonstrate that you have exercised reasonable care in safeguarding your card from the risk of loss or Business Debit Cardtheft, (ii) you have not reported to us two or more incidents of unauthorized use with the prior twelve-month period, and (iii) your account is in good standing. If any of these conditions are not met, your liability is the lesser of $50 or the amount of money, property, labor or services obtained by the unauthorized transaction took place on use before notification to us. "Unauthorized use" means the Visa® Network, zero liability will be imposed on you for the unauthorized transaction. We may increase the limit use of your liability MasterMoneyTM debit card by a person, other than you, who does not have actual, implied, or apparent authority for such unauthorized transactions if we reasonably determineuse, based and from which you receive no benefit. This additional limitation on substantial evidence, that you were grossly negligent or fraudulent in the handling of your account or your Cash and Check Debit Card, HSA Debit Card, or Business Debit Card. The zero liability provisions do does not apply to PIN-based transactions or PIN-less debit transactions not processed by the Visa® Network, including ATM transactions. Your liability for unauthorized transactions with your Cash and Check Debit Card, HSA Debit Card, or Business Debit Card that involve PIN-based or PIN-less debit transactions not processed by the Visa® Network, including ATM transactions, are described under “Consumer Liability” aboveMasterCard.