Common use of Electronic Check Conversion Clause in Contracts

Electronic Check Conversion. You may authorize a merchant or other payee to make a one-time electronic payment from your checking account using information from your check to pay for purchases or to pay bills. Consumer’s Liability for Unauthorized Transfers: Tell us AT ONCE if you believe your Community Bank ATM card, debit card, Access ID, Personal Identification Number (PIN) or similar card or code has been lost, stolen or learned by an unauthorized person. Also, tell us AT ONCE if you believe an electronic fund transfer has been made without your permission using information from your check. The best way to keep your possible losses down is to call us immediately. Your losses could include all of the money in your account plus, if you have an overdraft protection plan linked to your account, any transfers from another account or any advances on a line of credit. If you tell us within two business days after you learn of the loss or theft of your card or code, you can lose no more than $50 for an unauthorized electronic funds transfer or a series of related unauthorized transfers should someone use your card or code without your permission. If you do NOT tell us within two business days after you learn of the loss or theft of your card or code and we can prove we could have stopped someone from using your card or code without your permission if you had told us, you could lose as much as $500. Also, if your statement shows transfers you did not make, including those made by card, code or other means, tell us at once. If you do not tell us in writing 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 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, deployment or a hospital stay) kept you from telling us, we may extend the time periods. Remember to sign your card. This ensures your signature is the one applicable to your card. Do not write your PIN on your card or carry the PIN with you. This reduces the possibility of someone using your card without your permission if it is lost or stolen. Note: These liability rules are established by Regulation E, which does not apply to organizational deposit accounts. For personal deposit accounts, our liability policy regarding unauthorized debit card or ATM card transactions and unauthorized Online Banking transactions, may give you more protection, provided you report the transactions promptly. Please see the agreement you receive with your ATM or debit card and the Online Banking agreement. Please note if you give, or make reasonably available, your card, PIN or other access device or code to anyone, you may be liable for any use made of such until you advise us that such person is not authorized to use them. Contact in Event of Unauthorized Transfer and Lost or Stolen Card, PIN or Access Code If you believe your card is lost or stolen, your PIN or access code has been learned by an unauthorized person, or someone has transferred or may transfer money from your account without 81 your permission, notify us immediately by calling the number listed below.

Electronic Check Conversion. You may authorize a merchant or other payee to make a one-time electronic payment from your checking account Account using information from your check to pay for purchases or to pay bills. Consumer’s Fees and Charges: • We do not charge for any pre-authorized EFTs. • We will charge $35.00 for each stop-payment order. If you initiate the stop payment order through Digital Banking, then the fee is reduced to $25. In addition to the limitations set forth above, the following limitations may be applicable to your Accounts: Liability for Unauthorized Transfers: . You have a critical role when it comes to detecting errors and in protecting your Account from fraud and fraudulent activity. You are responsible for safeguarding your checkbook, check stock, ATM or VISA debit cards, any PIN or Access Device used to access your Account, and all your Digital Banking credentials and passwords. Tell us AT ONCE if you believe your Community Bank ATM card, or VISA debit card, PIN or Access ID, Personal Identification Number (PIN) or similar card or code Device has been lostlost or stolen, stolen or learned by an unauthorized person. Also, tell us AT ONCE if you believe your Digital Banking credentials have been stolen or compromised, or if you believe that an electronic fund transfer EFT (Electronic Funds Transfer) has been made without your permission using information from your check. The best way to keep your possible losses down is to call us immediately. Your losses could include all of the money in your account plus, if you have an overdraft protection plan linked to your account, any transfers from another account or any advances on a line of creditconsent. If you tell us within two (2) business days after you learn of a loss or theft of your card, Access Device, or PIN, you can lose a maximum of $50.00 if someone uses your card and/or code without your permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your card or code, you can lose no more than $50 for an unauthorized electronic funds transfer or a series of related unauthorized transfers should someone use your card or code without your permission. If you do NOT tell us within two business days after you learn of the loss or theft of your card or code and we can prove that we could have stopped someone from using your card or code without your permission consent if you had told us, you could lose as much as $500500.00. VISA rules limit your liability if you report a lost or stolen VISA debit card immediately. Also, if your statement shows transfers any transfer that you did not make, including those made by card, code make or other meansauthorize, tell us at once. If you do not tell us in writing within 60 sixty (60) days after the statement was mailed is made available to you, you may not get back any money you lost after the 60 sixty (60) days if we can prove that we could have stopped someone from taking making the money unauthorized transfers if you had told us in time. If a good reason (such as a long trip, deployment or a hospital stay) kept you from telling us, we may extend the time periods. Remember to sign believe that your card. This ensures your signature is the one applicable to your card. Do not write your PIN on your card or carry the PIN with you. This reduces the possibility of someone using your card without your permission if it is lost or stolen. Note: These liability rules are established by Regulation E, which does not apply to organizational deposit accounts. For personal deposit accounts, our liability policy regarding unauthorized debit card or ATM card transactions and unauthorized Online Banking transactions, may give you more protection, provided you report the transactions promptly. Please see the agreement you receive with your ATM or debit card and the Online Banking agreement. Please note if you give, or make reasonably available, your card, PIN or other access device or code to anyone, you may be liable for any use made of such until you advise us that such person is not authorized to use them. Contact in Event of Unauthorized Transfer and Lost or Stolen Card, PIN or Access Code If you believe your card is has been lost or stolen, your PIN stolen or access code has been learned by an unauthorized person, or that someone has transferred or may transfer money from your account Account without 81 your permission, notify call 0.000.000.0000 or write to us immediately by calling at: Card Management Dept., P.O. Box 26365, Kansas City, MO 64196. If sufficient, exigent circumstances caused your delay in notifying us of an unauthorized transaction, we may consider extending the number listed belowtime periods set forth above. While we may use fraud detection systems to review Items or other debits presented on your Account, you agree that our use of such systems does not excuse your primary obligation to review all transactions on your Account, on a timely and frequent basis, for accuracy. In using these fraud detection systems, we may return or refuse to pay Items or debits that reasonably appear to be fictitious, forged, counterfeit, altered, improperly endorsed, missing endorsements, improperly encoded or otherwise irregular. You agree that our refusal to pay these Items or to return the suspicious Items or debits, even if the suspicious activity was detected using fraud detection systems, will not be considered wrongful. We will not be liable for refusing to honor Items, debits, or other instructions or transactions if we believe in good faith that the signature appearing on such Items or instructions is not genuine or if other facts surrounding the transaction suggest fraud or suspicious activity.

Electronic Check Conversion. You may authorize a merchant or other payee to make a one-time electronic payment from your checking account using information from your check to pay for purchases or to pay bills. Consumer’s Liability for Unauthorized Transfers: Tell us AT ONCE if you believe your Community Bank ATM card, debit card, Access ID, Personal Identification Number (PIN) or similar card or code has been lost, stolen or learned by an unauthorized person. Also, tell us AT ONCE if you believe an electronic fund transfer has been made without your permission using information from your check. The best way to keep your possible losses down is to call us immediately. Your losses could include all of the money in your account plus, if you have an overdraft protection plan linked to your account, any transfers from another account or any advances on a line of credit. If you tell us within two business days after you learn of the loss or theft of your card or code, you can lose no more than $50 for an unauthorized electronic funds transfer or a series of related unauthorized transfers should someone use your card or code without your permission. If you do NOT tell us within two business days after you learn of the loss or theft of your card or code and we can prove we could have stopped someone from using your card or code without your permission if you had told us, you could lose as much as $500. Also, if your statement shows transfers you did not make, including those made by card, code or other means, tell us at once. If you do not tell us in writing 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 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, deployment or a hospital stay) kept you from telling us, we may extend the time periods. Remember to sign your card. This ensures your signature is the one applicable to your card. Do Remember, do not write your PIN on your card or carry the PIN with you. This reduces the possibility of someone using your card without your permission if it is lost or stolen. Note: These liability rules are established by Regulation E, which does not apply to organizational deposit accounts. For personal deposit accounts, our liability policy regarding unauthorized debit card or ATM card transactions and unauthorized Online Banking transactions, may give you more protection, provided you report the transactions promptly. Please see the agreement you receive with your ATM or debit card and the Online Banking agreement. Please note if you give, or make reasonably available, your card, PIN or other access device or code to anyone, you may be liable for any use made of such until you advise us that such person is not authorized to use them. Contact in Event of Unauthorized Transfer and Lost or Stolen Card, PIN or Access Code If you believe your card is lost or stolen, your PIN or access code has been learned by an unauthorized person, or someone has transferred or may transfer money from your account without 81 your permission, notify us immediately by calling the number listed below.

Electronic Check Conversion. You may authorize or consent to have a merchant merchant, other business or other payee use your checks, to make create a one-time electronic payment from your checking account using information from your check Account Fees and Charges: • We do not charge for any preauthorized EFTs. Stop Payment Rights. If you have told us in advance to pay for purchases or to pay bills. Consumer’s Liability for Unauthorized Transfers: Tell us AT ONCE if you believe your Community Bank ATM card, debit card, Access ID, Personal Identification Number (PIN) or similar card or code has been lost, stolen or learned by an unauthorized person. Also, tell us AT ONCE if you believe an make regular electronic fund transfer transfers out of your Account(s), you can stop any of these payments. Here's how: Call us or write us at the telephone number or address set forth above, in time for us to receive your request three (3) business days or more before the payment is scheduled to be made. If you call, we may also require you to put your request in writing and get it to us within fourteen (14) days after your call. If we require you to put your request in writing and send it to us within fourteen (14) days and you do not do so, then your oral stop payment order will cease fourteen (14) days after it has been made without your permission using information from your checkand we may make the payment if the person or organization demands it. The best way We will charge you $30.00 for each stop payment order you give. Note: If you want to keep your possible losses down is to call us immediately. Your losses could include all of stop these preauthorized payments permanently, you must notify the money in your account plus, if person or organization you have an overdraft protection plan linked told us to your accountpay. A stop request, any transfers from another account or any advances on a line of creditwhich we receive, will only stop the particular payment to which it applies. If you tell instruct us within two business days after to stop these payments permanently we will do so, but we may require you learn of the loss or theft to send us a copy of your notice to the person or organization you told us to pay. MasterCard® Automatic Billing Updater: Your debit card or code, you can lose no more than $50 for an unauthorized electronic funds transfer or a series of related unauthorized transfers should someone use your card or code without your permissionis enabled with the Automatic Billing Updater feature. If you do NOT tell us within two business days after provided your Debit MasterCard® account number for a preauthorized transfer MasterCard’s Automatic Billing Updater is a service that participating merchants and service providers can use to retrieve cardholder account changes or updates, like new debit card numbers or card expiration dates. This helps promote as little disruption as possible for your account-on-file transactions and automated payments. Account-on-file transactions are payments processed using a card number you learn of have stored with a merchant or service provider. Automated payments are recurring payments you set up with a merchant or service provider. Automatic Billing Updater is only available to participating merchants, and the loss merchant chooses the frequency at which it checks for updated payment information. Even if the merchant or theft of service provider participates in Automatic Billing Updater, when your card information changes, to avoid late payments, you must check with your merchant or code and we can prove we could have stopped someone from using service provider to ensure your card or code without your permission if you had told us, you could lose as much as $500. Also, if your statement shows transfers you did not make, including those made by card, code or other means, tell us at once. If you do not tell us in writing 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 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, deployment or a hospital stay) kept you from telling us, we may extend the time periods. Remember to sign your card. This ensures your signature information is the one applicable to your card. Do not write your PIN on your card or carry the PIN with you. This reduces the possibility of someone using your card without your permission if it is lost or stolen. Note: These liability rules are established by Regulation E, which does not apply to organizational deposit accounts. For personal deposit accounts, our liability policy regarding unauthorized debit card or ATM card transactions and unauthorized Online Banking transactions, may give you more protection, provided you report the transactions promptly. Please see the agreement you receive with your ATM or debit card and the Online Banking agreement. Please note if you give, or make reasonably available, your card, PIN or other access device or code to anyone, you may be liable for any use made of such until you advise us that such person is not authorized to use them. Contact in Event of Unauthorized Transfer and Lost or Stolen Card, PIN or Access Code If you believe your card is lost or stolen, your PIN or access code has been learned by an unauthorized person, or someone has transferred or may transfer money from your account without 81 your permission, notify us immediately by calling the number listed belowupdated.

Electronic Check Conversion. You may authorize a merchant or other payee to make a one-time electronic payment from your checking account using information from your check to pay for purchases or to pay bills. Consumer’s Liability for Unauthorized Transfers: Tell us AT ONCE if you believe your Community Bank ATM card, debit card, Access ID, Personal Identification Number (PIN) or similar card or code has been lost, stolen or learned by an unauthorized person. Also, tell us AT ONCE if you believe an electronic fund transfer has been made without your permission using information from your check. The best way to keep your possible losses down is to call us immediately. Your losses could include all of the money in your account plus, if you have an overdraft protection plan linked to your account, any transfers from another account or any advances on a line of credit. If you tell us within two business days after you learn of the loss or theft of your card or code, you can lose no more than $50 for an unauthorized electronic funds transfer or a series of related unauthorized transfers should someone use your card or code without your permission. If you do NOT tell us within two business days after you learn of the loss or theft of your card or code and we can prove we could have stopped someone from using your card or code without your permission if you had told us, you could lose as much as $500. Also, if your statement shows transfers you did not make, including those made by card, code or other means, tell us at once. If you do not tell us in writing 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 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, deployment or a hospital stay) kept you from telling us, we may extend the time periods. Remember to sign your card. This ensures your signature is the one applicable to your card. Do not write your PIN on your card or carry the PIN with you. This reduces the possibility of someone using your card without your permission if it is lost or stolen. Note: These liability rules are established by Regulation E, which does not apply to organizational deposit accounts. For personal deposit accounts, our liability policy regarding unauthorized debit card or ATM card transactions and unauthorized Online Banking transactions, may give you more protection, provided you report the transactions promptly. Please see the agreement you receive with your ATM or debit card and the Online Banking agreement. Please note if you give, or make reasonably available, your card, PIN or other access device or code to anyone, you may be liable for any use made of such until you advise us that such person is not authorized to use them. them.‌ Contact in Event of Unauthorized Transfer and Lost or Stolen Card, PIN or Access Code If you believe your card is lost or stolen, your PIN or access code has been learned by an unauthorized person, or someone has transferred or may transfer money from your account without 81 your permission, notify us immediately by calling the number listed below.

Electronic Check Conversion. You may authorize a merchant or other payee to make a one-time electronic payment from your checking account Account using information from your check to pay for purchases or to pay bills. Consumer’s Electronic check conversation is a payment process in which a merchant (after obtaining your authorization) uses your check to gather routing, Account, and check number information to initiate a one-time EFT. This type of EFT transaction involving a consumer account is covered by the EFTA. A description of the transaction will appear on your statement. Re-presented Check Transactions and Fees: You may authorize a merchant to electronically collect a fee associated with the re-presentment of a check that is returned due to insufficient or unavailable funds. The resulting fee transaction if debited as an EFT from a consumer Account is covered by the EFTA. When a merchant re-presents a check electronically, that transaction is not covered by the EFTA. A description of the transaction will appear on your statement. Consumer Cardholder Liability for Unauthorized Transfers: Tell us Bank AT ONCE if you believe your Community Bank ATM cardCard, debit cardCard number, Access ID, Personal Identification Number (PIN) or similar card or code PIN has been lostlost or stolen, stolen or learned by an unauthorized person. Also, tell us AT ONCE if you believe that an electronic fund transfer EFT has been made without your permission using information from your check. The Telephoning is the best way to keep your possible losses down is to call us immediatelydown. Your losses You could include lose all of the money in your account plus, if you have an Account (plus your maximum overdraft protection plan linked to your account, any transfers from another account or any advances on a line of credit). If you tell us Bank within two (2) business days after you learn of the loss or theft of your card Card, Card number, or codePIN, you can lose no more than fifty dollars ($50 for an unauthorized electronic funds transfer 50.00) if someone used your Card or a series of related unauthorized transfers should someone use your card or code PIN without your permission. If you do NOT tell us Bank within two (2) business days after you learn of the loss or theft of your card Card, Card number, or code PIN, and we the Bank can prove we it could have stopped someone from using your card Card, Card number or code PIN without your permission if you had told usthe Bank, you could lose as much as five hundred dollars ($500500.00). Also, if your statement shows transfers you did not make, including those made by cardCard, code or other means, tell us the Bank at once. If you do not tell us in writing the Bank within 60 sixty (60) days after the statement was mailed or made available (in the case of electronic statements) to you, you may not get back any money you lost after the 60 sixty (60) days if we the Bank can prove we it could have stopped someone from taking the money if you had told us the Bank in time. If a good reason (such as a long trip, deployment trip or a hospital stay) kept you from telling usthe Bank, we may Bank will extend the time periods. Remember to sign your card. This ensures your signature is the one applicable to your card. Do not write your PIN on your card or carry the PIN with you. This reduces the possibility of someone using your card without your permission if it is lost or stolen. Note: These liability rules are established by Regulation E, which does not apply to organizational deposit accounts. For personal deposit accounts, our liability policy regarding unauthorized debit card or ATM card transactions and unauthorized Online Banking transactions, may give you more protection, provided you report the transactions promptly. Please see the agreement you receive with your ATM or debit card and the Online Banking agreement. Please note if you give, or make reasonably available, your card, PIN or other access device or code to anyone, you may be liable for any use made of such until you advise us that such person is not authorized to use them. Contact in Event of Unauthorized Transfer and Lost or Stolen Card, PIN or Access Code If you believe your card is Card, Card number, or PIN has been lost or stolen, your PIN stolen or access code has been learned by an unauthorized person, or that someone has transferred or may transfer money from your account Account without 81 your permission, notify us contact the Bank immediately using the contact information provided in the Important Bank Contact Information section of this Agreement. You should also call or write the Bank if you believe a transaction has been made using information from your checks without your permission. Business Cardholder Liability Business Account holders are solely responsible for maintaining the security of its Card, Card numbers and PINs and their use by calling you and your employees and other agents. You shall be liable for the acts of your employees and agents related to your Card(s). If you provide another person with the means to perform transactions related to your Accounts using your Card, Card number and/or PIN, any resulting transactions will be treated as if they were performed and authorized by you. If you believe that an erroneous or unauthorized transaction has occurred using your Card(s), Card(s) number or PIN, or if a Card has been lost or stolen, or if you want to cancel Card issued to you or your authorized signer, you must immediately telephone Bank at the number listed belowprovided in the Important Bank Contact Information section of this Agreement. A Business Account holder generally will not be liable for Card transactions it did not make or authorize, provided that, such transactions occurred before the end of the 60-day period described herein. If your Account statement shows Card transactions that you did not make or authorize, tell the Bank at once. If you do not notify the Bank within sixty (60) days after the statement was mailed or made available (in the case of electronic statements) to you, you will be liable for any additional unauthorized Card transactions that occurred after the 60-day period and before you provided notice to the Bank if the Bank can prove it could have stopped those Card transactions had you promptly notified Bank). If do not notify the Bank within the sixty (60) days, you may not get back any money lost after the sixty (60) days if the Bank can prove Bank could have stopped someone from taking the money if you had told the Bank in time.

Electronic Check Conversion. You may authorize a merchant or other payee to make a one-time electronic payment from your checking account using information from your check to pay for purchases or to pay bills. Consumer’s Liability for Unauthorized Transfers: Transfers Tell us AT ONCE if you believe your Community Bank ATM cardCard, debit card, Access ID, Personal Identification Number (PIN) or similar card or code has been lost, stolen or learned by an unauthorized person. Also, tell us AT ONCE if you believe that an electronic fund transfer has been made without your permission using information from your check. The best way to keep your possible losses down is to call us immediately. Your losses could include all of the money in your account plus, if you have an overdraft protection plan linked to your account, any transfers from another account or any advances on a line of credit. If you tell us within two business days after you learn of the loss or theft of your card or code, you can lose no more than $50 for an unauthorized electronic funds transfer or a series of related unauthorized transfers should someone use your card or code without your permission. If you do NOT tell us within two business days after you learn of the loss or theft of your card or code and we can prove we could have stopped someone from using your card or code without your permission if you had told us, you could lose as much as $500. 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 not tell us in writing 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 told us in time. If a good reason (such as a long trip, deployment deployment, or a hospital stay) kept you from telling us, we may extend the time periods. Remember to sign your card. This ensures that your signature is the one applicable to your card. Do Remember, do not write your PIN on your card or carry the PIN with you. This reduces the possibility of someone using your card without your permission if it is lost or stolen. Note: These liability rules are established by Regulation E, which does not apply to organizational deposit accounts. For personal deposit accounts, our liability policy regarding unauthorized debit card or ATM card transactions Card transactions, and unauthorized Online Banking transactions, may give you more protection, provided you report the transactions promptly. Please see the agreement you receive with your ATM or debit card and the Online Banking agreement. Please note that if you give, or make reasonably available, your card, PIN or other access device or code to anyone, you may be liable for any use made of such until you advise us that such person is not authorized to use them. Contact in Event of Unauthorized Transfer Transfer; and Lost or Stolen Card, PIN or Access Code If you believe your card is lost or stolen, your PIN or access code has been learned by an unauthorized person, or that someone has transferred or may transfer money from your account without 81 your permission, notify us immediately by calling the number listed below.

Electronic Check Conversion. You may authorize a merchant or other payee to make a one-time electronic payment from your checking account Account using information from your check to pay for purchases or to pay bills. Consumer’s Fees and Charges: • We do not charge for any pre-authorized EFTs. • We will charge $35.00 for each stop-payment order. If you initiate the stop payment order through Digital Banking, then the fee is redunced to $25. In addition to the limitations set forth above, the following limitations may be applicable to your Accounts: Liability for Unauthorized Transfers: . You have a critical role when it comes to detecting errors and in protecting your Account from fraud and fraudulent activity. You are responsible for safeguarding your checkbook, check stock, ATM or VISA debit cards, any PIN or Access Device used to access your Account, and all your Digital Banking credentials and passwords. Tell us AT ONCE if you believe your Community Bank ATM card, or VISA debit card, PIN or Access ID, Personal Identification Number (PIN) or similar card or code Device has been lostlost or stolen, stolen or learned by an unauthorized person. Also, tell us AT ONCE if you believe your Digital Banking credentials have been stolen or compromised, or if you believe that an electronic fund transfer EFT (Electronic Funds Transfer) has been made without your permission using information from your check. The best way to keep your possible losses down is to call us immediately. Your losses could include all of the money in your account plus, if you have an overdraft protection plan linked to your account, any transfers from another account or any advances on a line of creditconsent. If you tell us within two (2) business days after you learn of a loss or theft of your card, Access Device, or PIN, you can lose a maximum of $50.00 if someone uses your card and/or code without your permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your card or code, you can lose no more than $50 for an unauthorized electronic funds transfer or a series of related unauthorized transfers should someone use your card or code without your permission. If you do NOT tell us within two business days after you learn of the loss or theft of your card or code and we can prove that we could have stopped someone from using your card or code without your permission consent if you had told us, you could lose as much as $500500.00. VISA rules limit your liability if you report a lost or stolen VISA debit card immediately. Also, if your statement shows transfers any transfer that you did not make, including those made by card, code make or other meansauthorize, tell us at once. If you do not tell us in writing within 60 sixty (60) days after the statement was mailed is made available to you, you may not get back any money you lost after the 60 sixty (60) days if we can prove that we could have stopped someone from taking making the money unauthorized transfers if you had told us in time. If a good reason (such as a long trip, deployment or a hospital stay) kept you from telling us, we may extend the time periods. Remember to sign believe that your card. This ensures your signature is the one applicable to your card. Do not write your PIN on your card or carry the PIN with you. This reduces the possibility of someone using your card without your permission if it is lost or stolen. Note: These liability rules are established by Regulation E, which does not apply to organizational deposit accounts. For personal deposit accounts, our liability policy regarding unauthorized debit card or ATM card transactions and unauthorized Online Banking transactions, may give you more protection, provided you report the transactions promptly. Please see the agreement you receive with your ATM or debit card and the Online Banking agreement. Please note if you give, or make reasonably available, your card, PIN or other access device or code to anyone, you may be liable for any use made of such until you advise us that such person is not authorized to use them. Contact in Event of Unauthorized Transfer and Lost or Stolen Card, PIN or Access Code If you believe your card is has been lost or stolen, your PIN stolen or access code has been learned by an unauthorized person, or that someone has transferred or may transfer money from your account Account without 81 your permission, notify call 0.000.000.0000 or write to us immediately by calling at: Card Management Dept., P.O. Box 26365, Kansas City, MO 64196. If sufficient, exigent circumstances caused your delay in notifying us of an unauthorized transaction, we may consider extending the number listed belowtime periods set forth above. While we may use fraud detection systems to review Items or other debits presented on your Account, you agree that our use of such systems does not excuse your primary obligation to review all transactions on your Account, on a timely and frequent basis, for accuracy. In using these fraud detection systems, we may return or refuse to pay Items or debits that reasonably appear to be fictitious, forged, counterfeit, altered, improperty endorsed, missing endorsements, improperty encoded or otherwise irregular. You agree that our refusal to pay these Items or to return the suspicious Items or debits, even if the suspicious activity was detected using fraud detection systems, will not be considered wrongful. We will not be liabile for refusing to honor Items, debits, or other instructions or transactions if we believe in good faith that the signature appearing on such Items or instructions is not genuine or if other facts surrounding the transaction suggest fraud or suspicious activity.

Electronic Check Conversion. You may authorize a merchant or other payee to make a one-time electronic payment from your checking account funds transfer using information from a check (e.g., our routing number and your check to pay for purchases or to pay bills. Consumer’s account number) Liability for Unauthorized TransfersTransactions According to Regulation E: Tell us AT ONCE if you believe your Community Bank ATM card, debit cardcard number, Access ID, Personal Identification Number (PIN) or similar card or code PIN has been lostlost or stolen, stolen or learned by an unauthorized person. Alsootherwise compromised, tell us AT ONCE or if you believe than an electronic fund transfer has been made without your permission using information from your check. The Contacting us immediately is the best way to keep of keeping your possible losses down is to call us immediatelydown. Your losses You could include lose all of the money in your account plus(plus funds in your overdraft limit balance, if you have an overdraft protection plan and in any line of credit or other account linked to your account, any transfers from another account or any advances on a line of credit). If you tell us within two business Business days after you learn of the loss or theft of your card, card number, or codePIN, you can lose no more than $50 for an unauthorized electronic funds transfer or a series of related unauthorized transfers should if someone use used your card or code credentials without your permission. If you do NOT tell us within two business Business days after you learn of the loss or theft of your card, card number, or code PIN, and we can prove we could have stopped someone from using your card or code credentials without your permission if had you had told us, you could lose as much as up to $500. Also, if your account statement shows transfers that you did not makemake or authorize, including those made by your card, code PIN, or other means, tell us at once. If you do not tell notify us in writing within 60 days after the statement was mailed or otherwise made available to you, you may not get back will be liable for any money you lost additional unauthorized transactions that occurred after the 60 days 60-day period and before you provided notice to us (if we can prove that we could have stopped someone from taking the money if those transactions had you had told us in timepromptly notified us). This will apply even to unauthorized transactions that occur shortly before you notify us. If a good reason (such as a long trip, deployment extended travel or a hospital stayhospitalization) kept you from telling us, we may will extend the time periods. Remember to sign your card. This ensures your signature is the one applicable to your card. Do not write your PIN on your Zero Liability Protection- for debit card or carry the PIN transactions from consumer accounts: Your card comes with you. This reduces the possibility of someone using your card without your permission if it is lost or stolen. Note: These liability rules are established by Regulation EZero Liability protection, which does not apply to organizational deposit provides you with more coverage than what Regulation E requires for cards accessing consumer accounts. For personal deposit accounts, our liability policy regarding unauthorized debit card Visit xxxxxxxxxxxx.xxx or ATM card transactions and unauthorized Online Banking transactions, may give you more protection, provided you report the transactions promptly. Please see the agreement you receive with your ATM or debit card and the Online Banking agreement. Please note if you give, or make reasonably available, your card, PIN or other access device or code to anyone, you may be liable contact us for any use made of such until you advise us that such person is not authorized to use themadditional information. Contact in the Event of Unauthorized Transfer and Lost or Stolen Card, PIN or Access Code Transfer: If you believe your card, card is number, or PIN has been lost or stolen, your PIN or access code otherwise compromised use the information in the How to Contact Us section to let us know. You should also use the same contact information if you believe a transfer has been learned by an unauthorized person, or someone has transferred or may transfer money made using the information from your account check without 81 your permission, notify us immediately by calling the number listed below.