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 account using information from your check to pay for purchases or pay bills. Electronic check conversion is a payment process in which a merchant or other payee (after obtaining your authorization) uses your check to gather routing, account, and check number information to initiate a one-time EFT. When information from your check is used to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day you make your payment. This type of EFT transaction involving a consumer account is covered by the Electronic Funds Transfer Act and this disclosure. 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 Electronic Funds Transfer Act and this disclosure. When a merchant re-presents a check electronically, that transaction is not covered by the Electronic Funds Transfer Act or this disclosure. A description of the transaction will appear on your statement. Liability for Unauthorized VISA Debit Card Transactions. The following limitations may be applicable to your accounts, except as provided by law: The zero liability limit described below only applies to debit cards that are United States issued VISA Consumer Cards or VISA Business Cards for transactions processed through a VISA network or, for ATM transactions, a Plus network. The zero liability limit described below does not apply to: (a) other types of VISA commercial debit cards that are not VISA Business Cards; (b) transactions using your personal identification number that are not processed through a VISA network; and (c) ATM transactions which are not sent over VISA or Plus networks. Tell us AT ONCE if you believe your VISA debit card has been lost or stolen or if you believe any unauthorized transactions have been made using your VISA debit card. Your liability for unauthorized VISA debit card transactions that are processed through a VISA or Plus network, as applicable, will be zero dollars ($0.00). However, to the extent allowed under applicable law (see for example the Liability for Unauthorized Transfers paragraph below) we may hold you liable for the entire amount of an unauthorized transaction if we find, based on substantial evidence, that you have been negligent or fraudulent in the handling of your deposit account or VISA debit card. For VISA Business Cards: An "unauthorized transaction" does not include any transaction allegedly conducted by (a) a business co-owner, (b) the cardholder or person authorized by the cardholder, or (c) any other person with an interest in or authority to transact business on the account. To notify us of lost or stolen cards, or of unauthorized transactions, call or write to us at the telephone number or address set forth in the Liability for Unauthorized Transfers paragraph below. This will help prevent unauthorized access to your account and minimize any inconvenience. Unless you have been grossly negligent or have engaged in fraud, you will not be liable for any unauthorized transactions using your lost or stolen VISA Debit Card. This additional limit on liability does not apply to ATM transactions or to transactions using your personal identification number which are not processed by VISA. VISA is a registered trademark of Visa in the United States and other countries. In addition to the limitations set forth above, the following limitations may be applicable to your accounts: Liability for Unauthorized Transfers. Tell us AT ONCE if you believe your card, ATM PIN, POS card or PIN, or online and/or mobile banking PIN 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). If you 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 $50.00 if someone used your card 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, and we can prove that 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 $500.00. Also, if your statement shows transfers that you did not make, including those made by card code or other such means, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may not get back any money lost after the sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If you believe that your card or code has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call (000) 000-0000, or write us at Peoples Bank & Trust,000 X Xxxxxx, Xxxx, XX 00000. You should also call the number or write this address if you believe a transfer has been made using the information from your check without your permission.

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 pay bills. Electronic returned check conversion is a payment process in which a merchant or other payee (after obtaining your authorization) uses your check to gather routing, account, and check number information to initiate a one-time EFT. When information from your check is used to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day you make your payment. This type of EFT transaction involving a consumer account is covered by the Electronic Funds Transfer Act and this disclosure. A description of the transaction will appear on your statement. Re-presented Check Transactions and Feescharge. You may authorize a merchant or other payee 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 Electronic Funds Transfer Act and this disclosure. When a merchant re-presents a check electronically, that transaction is not covered by the Electronic Funds Transfer Act or this disclosure. A description of the transaction will appear on your statement. Liability for Unauthorized VISA Debit Card Transactions. The following limitations may be applicable to your accounts, except as provided by law: The zero liability limit described below only applies to debit cards that are United States issued VISA Consumer Cards or VISA Business Cards for transactions processed through a VISA network or, for ATM transactions, a Plus network. The zero liability limit described below does not apply to: (a) other types of VISA commercial debit cards that are not VISA Business Cards; (b) transactions using your personal identification number that are not processed through a VISA network; and (c) ATM transactions which are not sent over VISA or Plus networks. Tell us AT ONCE if you believe your VISA debit card has been lost or stolen or if you believe any unauthorized transactions have been made using your VISA debit card. Your liability for unauthorized VISA debit card transactions that are processed through a VISA or Plus network, as applicable, will be zero dollars ($0.00). However, to the extent allowed under applicable law (see for example the Liability for Unauthorized Transfers paragraph below) we may hold you liable for the entire amount of an unauthorized transaction if we find, based on substantial evidence, that you have been negligent or fraudulent in the handling of your deposit account or VISA debit card. For VISA Business Cards: An "unauthorized transaction" does not include any transaction allegedly conducted by (a) a business co-owner, (b) the cardholder or person authorized by the cardholder, or (c) any other person with an interest in or authority to transact business on the account. To notify us of lost or stolen cards, or of unauthorized transactions, call or write to us at the telephone number or address set forth in the Liability for Unauthorized Transfers paragraph below. This will help prevent unauthorized access to your account and minimize any inconvenience. Unless you have been grossly negligent or have engaged in fraud, you will not be liable for any unauthorized transactions using your lost or stolen VISA Debit Card. This additional limit on liability does not apply to ATM transactions or to transactions using your personal identification number which are not processed by VISA. VISA is a registered trademark of Visa in the United States and other countries. In addition to the limitations set forth above, the following limitations may be applicable to your accounts: Liability for Unauthorized Transfers. Tell us AT ONCE if you believe your card, ATM PIN, POS card or PIN, or online and/or mobile banking PIN has been lost or stolen or if you believe that initiate an electronic fund transfer has been made without to collect a charge in the event a check is returned for insufficient funds. Purchases at Merchants: You may use any of your permission using information from your check. Telephoning is the best way of keeping your possible losses downCredit Union Debit Cards to make purchases at merchants that accept Visa® debit cards. You could lose all may use your Credit Union ATM Card and any of your Credit Union Debit Cards to make purchases by entering your PIN at participating merchants. You may also get cash from a merchant, if the money merchant permits. Purchases made with your card will result in debits to your account (plus “primary” checking account. These transactions will be itemized on your maximum overdraft line monthly statement, including the merchant name, location, the date of credit). If you tell us within two (2) business days after you learn purchase and the amount of the loss or theft purchase. Partial Debit Card Transactions: Some merchants may be enrolled in Visa’s Partial Authorization service. This means that if you chose ‘No’ to ATM and Debit Card Overdraft Coverage, your transaction may be approved for only part of your card or code, you can lose no more than $50.00 if someone used your card or code without your permissiontotal purchase amount. If you do NOT tell us within two (2) 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 if you had told us, you could lose as much as $500.00. Also, if your statement shows transfers that you did not make, including those made by card code or other such means, tell us at once. If This occurs when you do not tell us within sixty have a sufficient Available Balance, necessary to pay for the entire transaction, at the time of the purchase. Additionally, funds from your designated account(s) linked for Overdraft Protection (60if applicable) days after may be considered when determining the statement was mailed amount that is authorized. For example, if you attempt a $30.00 transaction when your account has an Available Balance of $20.00, your purchase may be approved for $20.00 instead of the entire transaction being declined. Returns at Merchants: Returns of purchases made with your Credit Union Debit Card may be limited to youa daily amount set at our discretion. Other Electronic Transactions: In addition to transactions initiated by using your Credit Union Debit Card, there are other electronic banking transactions that you may not get back any money lost after the sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in timearrange through your account. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If you believe that your card or code has been lost or stolen or that someone has transferred or may transfer money These include: • Telephone/personal computer activated transfers of funds from your account without your permissionaccounts with us to other accounts with us or to third parties. These include but are not limited to transfers made by telephone, call text, online and mobile banking. • Automatic transfer of funds between checking and savings accounts. • Automatic periodic payments to third parties or us from checking or savings accounts (000) 000-0000for example, monthly mortgage payments, installment loan payments, insurance payments, utility payments). • Direct deposit to checking or write us at Peoples Bank & Trust,000 X Xxxxxxsavings accounts (for example, Xxxxpayroll checks, XX 00000social security payments). You should also call the number or write this address if you believe a transfer has been made using the information • Electronic check conversions from your checking account using a blank, partial or fully completed personal check without at merchant locations. • Payments made to your permissionaccount through your Credit Union Debit Card. • You can also use any of your Credit Union Debit Cards to obtain a cash advance from your checking account at any Visa® member financial institution anywhere in the world.

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 pay bills. ▪ Electronic returned check conversion is a payment process in which a merchant or other payee (after obtaining your authorization) uses your check to gather routing, account, and check number information to initiate a one-time EFT. When information from your check is used to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day you make your payment. This type of EFT transaction involving a consumer account is covered by the Electronic Funds Transfer Act and this disclosure. A description of the transaction will appear on your statement. Re-presented Check Transactions and Feescharge. You may authorize a merchant or other payee to electronically initiate an electronic funds transfer to collect a fee associated with charge in the re-presentment of event a check that is returned due to for insufficient or unavailable funds. The resulting fee transaction if debited as an EFT Locality Bank Debit Card Transactions - You may access your checking account to purchase goods (in person, online, or by phone), pay for services (in person, online, or by phone), get cash from a consumer account is covered by merchant, if the Electronic Funds Transfer Act and this disclosure. When a merchant re-presents a check electronically, that transaction is not covered by the Electronic Funds Transfer Act or this disclosure. A description of the transaction will appear on your statement. Liability for Unauthorized VISA Debit Card Transactions. The following limitations may be applicable to your accounts, except as provided by law: The zero liability limit described below only applies to debit cards that are United States issued VISA Consumer Cards or VISA Business Cards for transactions processed through a VISA network or, for ATM transactions, a Plus network. The zero liability limit described below does not apply to: (a) other types of VISA commercial debit cards that are not VISA Business Cards; (b) transactions using your personal identification number that are not processed through a VISA network; and (c) ATM transactions which are not sent over VISA or Plus networks. Tell us AT ONCE if you believe your VISA debit card has been lost or stolen or if you believe any unauthorized transactions have been made using your VISA debit card. Your liability for unauthorized VISA debit card transactions that are processed through a VISA or Plus network, as applicable, will be zero dollars ($0.00). However, to the extent allowed under applicable law (see for example the Liability for Unauthorized Transfers paragraph below) we may hold you liable for the entire amount of an unauthorized transaction if we find, based on substantial evidence, that you have been negligent or fraudulent in the handling of your deposit account or VISA debit card. For VISA Business Cards: An "unauthorized transaction" does not include any transaction allegedly conducted by (a) a business co-owner, (b) the cardholder or person authorized by the cardholderpermits, or (c) any other person with an interest in or authority to transact business on the account. To notify us of lost or stolen cardsfrom a participating financial institution, or of unauthorized transactions, call or write to us at the telephone number or address set forth in the Liability for Unauthorized Transfers paragraph below. This and do anything that a participating merchant will help prevent unauthorized access to your account and minimize any inconvenience. Unless you have been grossly negligent or have engaged in fraud, you will not be liable for any unauthorized transactions using your lost or stolen VISA Debit Card. This additional limit on liability does not apply to ATM transactions or to transactions using your personal identification number which are not processed by VISA. VISA is a registered trademark of Visa in the United States and other countriesaccept. In addition to the limitations set forth above, using your debit card, each day you may: ▪ Make purchases up to $5,000 total per day at participating VISA® merchants. ▪ Withdraw cash at an ATM up to $500 per day Currency Conversion. When you use your VISA® Debit Card at a merchant that settles in currency other than US dollars, the following limitations charge will be converted into the US dollar amount. The currency conversion rate used to determine the transaction amount in US dollars is either a rate selected by VISA® from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate VISA® itself receives, or the government-mandated rate in effect for the applicable central processing date. The conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or posting date. Advisory Against Illegal Use. You agree not to use your card(s) for illegal gambling or other illegal purposes. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be applicable located. Cardholder Notice: As a member of the Pulse Network, Locality Bank’s VISA® branded debit cards allow transactions to your accounts: Liability for Unauthorized Transfersbe initiated without a PIN. Tell us AT ONCE Merchants must provide a clear way of choosing to make a VISA® Debit Card transaction if you believe your cardthey support this option. Transactions completed outside the VISA® network may not carry the same terms as those processed over the VISA® Network. Arrangements with other organizations - From time to time, ATM PIN, POS card or PIN, or online and/or mobile banking PIN has been lost or stolen or if you believe that an we may enter into arrangements with other electronic fund transfer has been made without system owners/operators of ATMs and/or retail organizations to enable you to use your permission using information ATM card in their ATMs. These organizations may impose transaction fees on transactions performed at their machines. Also, the types of transactions and services available through their machines may vary from your checkthose provided through Locality Bank’s ATMs. Telephoning is the best way Deposits of keeping your possible losses downany type will not be permitted at their machines. You could lose all the money in your account (plus your maximum overdraft line of credit)ATM Operator/Network Fees. If When you 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 $50.00 if someone used your card 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, and we can prove that we could have stopped someone from using your card or code without your permission if you had told use an ATM not owned by us, you could lose as much as $500.00. Also, may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if your statement shows transfers that you did not make, including those made by card code or other such means, tell us at once. If you do not tell us within sixty (60) days after complete a transaction). Fees incurred will be reimbursed by the statement was mailed Bank. • Refer to you, you the separate fee schedule for any ATM charges we may not get back any money lost after the sixty (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 or a hospital stay) kept you from telling us, we will extend the time periods. If you believe that your card or code has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call (000) 000-0000, or write us at Peoples Bank & Trust,000 X Xxxxxx, Xxxx, XX 00000. You should also call the number or write this address if you believe a transfer has been made using the information from your check without your permissionimpose.

Electronic Check Conversion. You may authorize a merchant or other payee to make a one-time electronic payment from your account using information from your check to pay for purchases or pay bills. Electronic check conversion is a payment process in which a merchant or other payee (after obtaining your authorization) uses your check to gather routing, account, and check number information to initiate a one-time EFT. When information from your check is used to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day you make your payment. This type of EFT transaction involving a consumer account is covered by the Electronic Funds Transfer Act and this disclosure. 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 Electronic Funds Transfer Act and this disclosure. When a merchant re-re- presents a check electronically, that transaction is not covered by the Electronic Funds Transfer Act or this disclosure. A description of the transaction will appear on your statement. Liability for Unauthorized VISA Debit Card Transactions. The following limitations may be applicable to your accounts, except as provided by law: Liability for Unauthorized MasterCard Debit Card Transactions on Cards Issued to Certain Consumers and Small Businesses. The zero liability limit described below only applies to a United States-issued MasterCard branded debit cards that are United States card issued VISA Consumer Cards to: (i) a natural person, or VISA Business Cards for transactions processed through (ii) a VISA network or, for ATM transactions, business or other entity only if the card is issued under a Plus network"small business" program described on MasterCard's website at xxx.xxxxxxxxxxxxxxxxxx.xxx. The zero liability limit described below does not apply to: if you are a business or an entity of any sort (acorporation, limited liability company, partnership, etc.) unless the card issued to you is a "small business" card described above. The zero-liability limit described below does not apply until your identity is registered by or on behalf of the card issuer. Under MasterCard's zero liability policy as described in the MasterCard Rules (as may be amended from time to time), the zero-liability limitation described below may not apply for other types of VISA commercial debit cards that are not VISA Business Cards; (b) transactions using your personal identification number that are not processed through a VISA network; and (c) ATM transactions which are not sent over VISA or Plus networksreasons. Tell us AT ONCE if you believe your VISA MasterCard debit card has been lost or stolen or if you believe any unauthorized transactions have been made using your VISA MasterCard debit card. Your liability for unauthorized VISA use of your debit card transactions that are processed through a VISA or Plus network, as applicable, with the MasterCard logo will be not exceed zero dollars ($0.00)) if the following conditions have been met: (i) you have exercised reasonable care in safeguarding your card from risk of loss or theft; and (ii) upon becoming aware of such loss or theft you promptly reported the loss or theft to us. HoweverIf the conditions set forth above have not been met, you may be liable for unauthorized transactions to the extent allowed under applicable law (for example, see for example the Liability for Unauthorized Transfers paragraph below) we may hold you liable for the entire amount of an unauthorized transaction if we find, based on substantial evidence, that you have been negligent or fraudulent in the handling of your deposit account or VISA debit card. For VISA Business Cards: An "unauthorized transaction" does not include any transaction allegedly conducted by (a) a business co-owner, (b) the cardholder or person authorized by the cardholder, or (c) any other person with an interest in or authority to transact business on the account). To notify us of lost or stolen cards, or of unauthorized transactions, call or write to us at the telephone number or address set forth in the Liability for Unauthorized Transfers paragraph below. This will help prevent unauthorized access to your account and minimize any inconvenience. Unless you have been grossly negligent or have engaged in fraud, you will not be liable for any unauthorized transactions using your lost or stolen VISA Debit Card. This additional limit on liability does not apply to ATM transactions or to transactions using your personal identification number which are not processed by VISA. VISA MasterCard is a registered trademark of Visa MasterCard Worldwide or its subsidiaries in the United States and other countriesStates. In addition to the limitations set forth above, the following limitations may be applicable to your accounts: Liability for Unauthorized Transfers. Tell us AT ONCE if you believe your card, ATM PIN, POS card or PIN, or online and/or mobile banking PIN 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). If you 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 $50.00 if someone used your card 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, and we can prove that 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 $500.00. Also, if your statement shows transfers that you did not make, including those made by card code or other such means, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may not get back any money lost after the sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If you believe that your card or code has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call (000) 000-0000, or write us at Peoples Bank & Trust,000 R BANK,0000 X XxxxxxXxxx Xxxxxx Xxxx, Xxxxx Xxxx, XX 00000. You should also call the number or write this address if you believe a transfer has been made using the information from your check without your permission.

Electronic Check Conversion. You may authorize a merchant or other payee to make a one-time one‐time electronic payment from your account using information from form your check to pay for purchases or pay bills. Electronic check conversion is a payment process in which a merchant or other payee (after obtaining your authorization) uses your check to gather routing, account, and check number information to initiate a one-time one‐time EFT. When information from your check is used to make an electronic fund transfer, funds may be withdrawn from form your account as soon as the same day you make your payment. This type of EFT transaction involving a consumer account is covered by the Electronic Funds Transfer Act and this disclosure. A description of the transaction will appear on your statement. Re-presented Check Re‐presented check Transactions and Fees. : You may authorize a merchant to electronically collect a fee associated with the re-presentment 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 Electronic Funds Transfer Act and this disclosure. When a merchant re-presents re‐presents a check electronically, that transaction is not covered by the Electronic Funds Transfer Act or this disclosure. A description of the transaction will appear on your statement. Liability for Unauthorized VISA Debit Card Transactions. transaction: The following limitations may be applicable to your accounts, except as provided by law: The zero liability limit described below only applies to debit cards that are United States issued VISA Consumer Cards or VISA Business Cards for transactions processed through a VISA network network, or, for ATM transactions, a Plus network. The zero liability limit described below does not NOT apply to: (a) other types of VISA commercial debit cards that are not VISA Business business Cards; (b) transactions using your personal identification number that are not processed through a VISA network; and (c) ATM transactions which are not sent over VISA or Plus networks. Tell us AT ONCE if you believe your VISA debit card has been lost or stolen or if you believe any unauthorized transactions have been made using your VISA debit card. Your liability for unauthorized VISA debit card transactions that are processed through a VISA or Plus network, as applicable, will be zero dollars ($0.00). However, to the extent allowed under applicable law (see for our example the Liability for Unauthorized unauthorized Transfers paragraph below) we may hold you liable for the entire amount of an unauthorized transaction if we find, based on substantial evidence, that you have been grossly negligent or fraudulent in the handling of your deposit account or tor VISA debit card. For VISA Business Cards: An "; (a) in order for unauthorized transaction to be covered by the zero liability limit described above you must notify us within sixty (60) calendar days of the mailing of the first statement showing the unauthorized transaction" ; and (b) an unauthorized transaction does not include any transaction allegedly conducted by (ai) a business co-ownerco‐owner, (bii) the cardholder or person authorized by the cardholder, or (ciii) any other person with an interest in or authority to transact business on the account. To notify us of lost or stolen cards, or of unauthorized transactions, call or write to us at the telephone number or address set forth in the Liability for Unauthorized Transfers paragraph below. This will help prevent unauthorized access to your account and minimize any inconvenience. Unless We may require you have been grossly negligent or have engaged to provide a written statement regarding an unauthorized VISA debit card transaction in fraud, you will not order for the zero liability limit escribed above to be liable for any unauthorized transactions using your lost or stolen VISA Debit Card. This additional limit on liability does not apply to ATM transactions or to transactions using your personal identification number which are not processed by VISAapplied. VISA is a registered trademark of Visa in the United States and other countries. In addition to the limitations set forth above, the following limitations may be applicable application to your accounts: Liability for Unauthorized Transfers. : Tell us AT ONCE if you believe your card, ATM PIN, POS card or PIN, or online and/or mobile banking PIN Online Bank password has been lost or stolen or if you believe that an electronic fund transfer has been made without your permission using information from form 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). If you 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 $50.00 if someone used your card 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, and we can prove that 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 $500.00. Also, if your statement shows transfers that you did not make, including those made by card code or other such means, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may not get back any money lost after the sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If you believe that your card or code has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call (000) 000-0000, or write us at Peoples Bank & Trust,000 X Xxxxxx, Xxxx, XX 00000. You should also call the number or write this address if you believe a transfer has been made using the information from your check without your permission.two

Electronic Check Conversion. You may authorize a merchant or other payee to make a one-time electronic payment from your account checking Account using information from your check to pay for purchases or pay bills. Electronic check conversion is a payment process in which a merchant or other payee (after obtaining your authorization) uses your check to gather routing, accountAccount, and check number information to initiate a one-time EFT. When information from your check is used to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day you make your payment. This type of EFT transaction involving a consumer account is covered by the Electronic Funds Transfer Act and this disclosureEFTA. 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 Account is covered by the Electronic Funds Transfer Act and this disclosureEFTA. When a merchant re-presents a check electronically, that transaction is not covered by the Electronic Funds Transfer Act or this disclosureEFTA. A description of the transaction will appear on your statement. Limitations of Liability for Unauthorized VISA Debit Card Transactions. The following limitations may be applicable to your accountsAccounts, except as provided by law: The zero liability limit described below only applies to debit cards that are United States issued VISA Consumer Cards or VISA Business Cards Visa® is a registered trademark of Visa International. Liability for transactions processed through a VISA network orUnauthorized Visa® Point of Sale Debit Card Transactions: Tell us, for ATM transactionsAT ONCE, a Plus network. The zero liability limit described below does not apply to: (a) other types of VISA commercial debit cards that are not VISA Business Cards; (b) transactions using your personal identification number that are not processed through a VISA network; and (c) ATM transactions which are not sent over VISA or Plus networks. Tell us AT ONCE if you believe your VISA debit card Card has been lost or stolen or if you believe of any unauthorized transactions have been made using your VISA debit cardtransactions. Your liability for unauthorized VISA debit card POS Card transactions that are processed through a VISA or Plus network, as applicable, will be take place on the Visa® system is zero dollars ($0.00). HoweverEffective October 17, 2014, zero liability coverage is extended to U.S. ATM transactions sent over the Visa® and Plus networks. We may require you to provide a written statement regarding claims of unauthorized POS Card transactions. These provisions limiting your liability apply only to cards issued in the United States. With respect to unauthorized transactions, these limits may be exceeded to the extent allowed under applicable law (see for example the Liability for Unauthorized Transfers paragraph belowparagraph) we may hold you liable for the entire amount of an unauthorized transaction only if we find, based on substantial evidence, that determine you have been were grossly negligent or fraudulent in the handling of your deposit account Account or VISA debit cardCard. For VISA Business Cards: An "unauthorized transaction" does not include any transaction allegedly conducted by (a) a business co-owner, (b) the cardholder or person authorized by the cardholder, or (c) any other person with an interest in or authority The same consumer liability limits shall apply to transact business on the accountInterlink and MoneyPass transactions. To notify us of lost or stolen cards, or of unauthorized transactions, call or write to us at the telephone number or address set forth in the Liability for Unauthorized Transfers paragraph below. This will help prevent unauthorized access to your account Account and minimize any inconvenience. Unless you have been grossly negligent or have engaged in fraud, you will not be liable for any unauthorized transactions using your lost or stolen VISA Debit Card. This additional limit on liability does not apply to ATM transactions or to transactions using your personal identification number which are not processed by VISA. VISA is a registered trademark of Visa in the United States and other countries. In addition to the limitations set forth above, the following limitations may be applicable to your accounts: Liability for Unauthorized Transfers. Tell us AT ONCE if you believe your card, ATM PIN, POS card or PIN, or online and/or mobile banking PIN 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). If you 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 $50.00 if someone used your card 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, and we can prove that 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 $500.00. Also, if your statement shows transfers that you did not make, including those made by card code or other such means, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may not get back any money lost after the sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If you believe that your card or code has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call (000) 000-0000, or write us at Peoples Bank & Trust,000 X Xxxxxx, Xxxx, XX 00000. You should also call the number or write this address if you believe a transfer has been made using the information from your check without your permission.

Electronic Check Conversion. You may authorize a merchant or other payee to make a one-time electronic payment from your account using information from your check to pay for purchases or pay bills. Electronic check conversion is a payment process in which a merchant or other payee (after obtaining your authorization) uses your check to gather routing, account, and check number information to initiate a one-time EFT. When information from your check is used to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day you make your payment. This type of EFT transaction involving a consumer account is covered by the Electronic Funds Transfer Act and this disclosure. 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 Electronic Funds Transfer Act and this disclosure. When a merchant re-presents a check electronically, that transaction is not covered by the Electronic Funds Transfer Act or and this disclosure. A description of the transaction will appear on your statement. Liability for Unauthorized VISA Debit Card Transactions. The following limitations may be applicable to your accounts, except as provided by law: The zero liability limit described below only applies to debit cards that are United States issued Liability for Unauthorized VISA Consumer Cards or VISA Business Cards for transactions processed through a VISA network or, for ATM transactions, a Plus network. The zero liability limit described below does not apply to: (a) other types Point of VISA commercial debit cards that are not VISA Business Cards; (b) transactions using your personal identification number that are not processed through a VISA network; and (c) ATM transactions which are not sent over VISA or Plus networksSale Debit Card Transactions. Tell us us, AT ONCE ONCE, if you believe your VISA point of sale debit card has been lost or stolen or if you believe of any unauthorized transactions have been made using your VISA debit cardtransactions. Your You liability for unauthorized VISA point of sale debit card transactions that are processed through a take place on the VISA or Plus network, as applicable, will be zero system is Zero dollars ($0.00). HoweverWe may require you to provide a written statement regarding claims of unauthorized VISA point of sale debit card transactions. These provisions limiting your liability do not apply to VISA commercial credit cards, ATM transactions, or PIN transactions not processed by VISA; and apply only to cards issued in the United States. With respect to unauthorized transactions, these limits may be exceeded to the extent allowed under applicable law (see for example the Liability for Unauthorized Transfers paragraph below) we may hold you liable for the entire amount of an unauthorized transaction only if we find, based on substantial evidence, determine that you have been were grossly negligent or fraudulent in the handling of your deposit account or VISA point of sale debit card. For VISA Business Cards: An "unauthorized transaction" does not include any transaction allegedly conducted by (a) a business co-ownerspecific restrictions, (b) the cardholder or person authorized by the cardholderlimitations, or (c) any and other person with an interest in or authority to transact business on the accountdetails see your Cardholder Agreement. To notify us of lost or stolen cards, or of unauthorized transactions, call or write to us at the telephone number or address set forth in the Liability for Unauthorized Transfers paragraph below. This will help prevent unauthorized access to your account and minimize any inconvenience. Unless you have been grossly negligent or have engaged in fraud, you will not be liable for any unauthorized transactions using your lost or stolen VISA Debit Card. This additional limit on liability does not apply to ATM transactions or to transactions using your personal identification number which are not processed by VISA. VISA is a registered trademark of Visa in the United States and other countriesInternational. In addition to the limitations set forth above, the following limitations may be applicable to your accounts: Liability for Unauthorized Transfers. Tell us AT ONCE if you believe your card, ATM PIN, POS card or PIN, or online and/or mobile banking Audio Response PIN 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). If you 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 $50.00 if someone used your card 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, and we can prove that 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 $500.00. Also, if your statement shows transfers that you did not make, including those made by card code or other such means, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may not get back any money lost after the sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If you believe that your card or code has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call (000) 000-0000, or write us at Peoples Bank & Trust,000 X XxxxxxWyoming Community Bank, 0000 X. Xxxxxxx Xxxx, Xxxxxxxx XX 00000. You should also call the number or write this the address if you believe a transfer has been made using the information from your check without your permission. Business Days. For purpose of these electronic funds transfer disclosures, our business days are Monday through Friday. Holidays are not included. Stop Payments on ATM, POS, or Debit Card Transactions. You may not place a stop payment order on ay ATM, POS, or dibit card transaction. Documentation Periodic Statement. You will get a monthly account statement from us, unless there are no transactions in a particular month. In any case you will get a statement quarterly. You will get a quarterly statement from us on your savings account if this is the only account you maintain and the only possible electronic transfer to or from the account is a preauthorized deposit. Terminal Receipt. You can get a receipt at the time you make a transfer to or from your account using one of our ATMs or a POS terminal. However, receipts for transactions of $15.00 or less may not always be available. Direct Deposits. If you have arranged to have direct deposits made to your account at least once every sixty (60) days from the same person or company, you can call us at (000) 000-0000 to find out whether or not the deposit has been made.

Electronic Check Conversion. You may authorize a merchant or other payee to make a one-time electronic payment from your account using information from your check to pay for purchases or pay bills. Electronic check conversion is a payment process in which a merchant or other payee (after obtaining your authorization) uses your check to gather routing, account, and check number information to initiate a one-time EFT. When information from your check is used to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day you make your payment. This type of EFT transaction involving a consumer account is covered by the Electronic Funds Transfer Act and this disclosure. 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 Electronic Funds Transfer Act and this disclosure. When a merchant re-presents a check electronically, that transaction is not covered by the Electronic Funds Transfer Act or this disclosure. A description of the transaction will appear on your statement. Liability for Unauthorized VISA Debit Card Transactions. The following limitations may be applicable to your accounts, except as provided by law: The zero liability limit described below only applies to debit cards that are United States issued VISA Consumer Cards or VISA Business Cards for transactions processed through a VISA network or, for ATM transactions, a Plus network. The zero liability limit described below does not apply to: (a) other types of VISA commercial debit cards that are not VISA Business Cards; (b) transactions using your personal identification number that are not processed through a VISA network; and (c) ATM transactions which are not sent over VISA or Plus networks. Tell us AT ONCE if you believe your VISA debit card has been lost or stolen or if you believe any unauthorized transactions have been made using your VISA debit card. Your liability for unauthorized VISA debit card transactions that are processed through a VISA or Plus network, as applicable, will be zero dollars ($0.00). However, to the extent allowed under applicable law (see for example the Liability for Unauthorized Transfers paragraph below) we may hold you liable for the entire amount of an unauthorized transaction if we find, based on substantial evidence, that you have been negligent or fraudulent in the handling of your deposit account or VISA debit card. For VISA Business Cards: An "unauthorized transaction" does not include any transaction allegedly conducted by (a) a business co-owner, (b) the cardholder or person authorized by the cardholder, or (c) any other person with an interest in or authority to transact business on the account. To notify us of lost or stolen cards, or of unauthorized transactions, call or write to us at the telephone number or address set forth in the Liability for Unauthorized Transfers paragraph below. This will help prevent unauthorized access to your account and minimize any inconvenience. Unless you have been grossly negligent or have engaged in fraud, you will not be liable for any unauthorized transactions using your lost or stolen VISA Debit Card. This additional limit on liability does not apply to ATM transactions or to transactions using your personal identification number which are not processed by VISA. VISA is a registered trademark of Visa in the United States and other countries. In addition to the limitations set forth above, the following limitations may be applicable to your accounts: Liability for Unauthorized Transfers. Tell us AT ONCE if you believe your card, ATM PIN, POS card or PIN, Audio Response PIN, or online and/or mobile banking PIN 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). If you 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 $50.00 if someone used your card 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, and we can prove that 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 $500.00. Also, if your statement shows transfers that you did not make, including those made by card code or other such means, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may not get back any money lost after the sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If you believe that your card or code has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call (000) 000-0000, or write us at Peoples Bank & Trust,000 X XxxxxxFIRST COMMUNITY BANK, Xxxx000 XXX XXXXXX, Xxxxxxxxxxx, XX 00000. You should also call the number or write this address if you believe a transfer has been made using the information from your check without your permission.

Electronic Check Conversion. You may authorize a merchant or other payee to make a one-time electronic payment from your account using information from your check to pay for purchases or pay bills. Electronic check conversion is a payment process in which a merchant or other payee (after obtaining your authorization) uses your check to gather routing, account, and check number information to initiate a one-time EFT. When information from your check is used to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day you make your payment. This type of EFT transaction involving a consumer account is covered by the Electronic Funds Transfer Act and this disclosure. 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 reRe-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 Electronic Funds Transfer Act and this disclosure. When a merchant re-presents a check electronically, that transaction is not covered by the Electronic Funds Transfer Act or this disclosure. A description of the transaction will appear on your statement. Liability for Unauthorized VISA Debit Card Transactions. The following limitations may be applicable to your accounts, except as provided by law: The zero liability limit described below only applies to debit cards that are United States issued Liability for Unauthorized VISA Consumer Cards or VISA Business Cards for transactions processed through a VISA network or, for ATM transactions, a Plus network. The zero liability limit described below does not apply to: (a) other types Point of VISA commercial debit cards that are not VISA Business Cards; (b) transactions using your personal identification number that are not processed through a VISA network; and (c) ATM transactions which are not sent over VISA or Plus networksSale Debit Card Transactions. Tell us us, AT ONCE ONCE, if you believe your VISA point of sale debit card has been lost or stolen or if you believe of any unauthorized transactions have been made using your VISA debit cardtransactions. Your liability for unauthorized VISA point of sale debit card transactions that are processed through a take place on the VISA or Plus network, as applicable, will be zero dollars system is Fifty Dollars ($0.0050.00). HoweverWe may require you to provide a written statement regarding claims of unauthorized VISA point of sale debit card transactions. These provisions limiting your liability do not apply to VISA commercial credit cards, ATM transactions, or PIN transactions not processed by VISA; and apply only to cards issued in the United States. With respect to unauthorized transactions, these limits may be exceeded to the extent allowed under applicable law (see for example the Liability for Unauthorized Transfers paragraph below) we may hold you liable for the entire amount of an unauthorized transaction only if we find, based on substantial evidence, determine that you have been were grossly negligent or fraudulent in the handling of your deposit account or VISA point of sale debit card. For VISA Business Cards: An "unauthorized transaction" does not include any transaction allegedly conducted by (a) a business co-ownerspecific restrictions, (b) the cardholder or person authorized by the cardholderlimitations, or (c) any and other person with an interest in or authority to transact business on the accountdetails see your Cardholder Agreement. To notify us of lost or stolen cards, or of unauthorized transactions, call or write to us at the telephone number or address set forth in the Liability for Unauthorized Transfers paragraph below. This will help prevent unauthorized access to your account and minimize any inconvenience. Unless you have been grossly negligent or have engaged in fraud, you will not be liable for any unauthorized transactions using your lost or stolen VISA Debit Card. This additional limit on liability does not apply to ATM transactions or to transactions using your personal identification number which are not processed by VISA. VISA is a registered trademark of Visa in the United States and other countriesInternational. In addition to the limitations set forth above, the following limitations may be applicable to your accounts: If the account holder is a natural person and the account is used primarily for personal, family or household transactions, the account will be considered a "Consumer Account". Liability for Unauthorized TransfersTransfers (Consumer Accounts). Tell us AT ONCE if you believe your card, ATM PIN, POS card or PIN, or online and/or mobile banking Audio Response PIN 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). If you 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 $50.00 if someone used your card 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, and we can prove that 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 $500.00. Also, if your statement shows transfers that you did not make, including those made by card code or other such means, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may not get back any money lost after the sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If you believe that your card or code has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call (000) 000-0000, or write us at Peoples Bank & Trust,000 X Xxxxxx, Main Xxxxxx Xxxx, XX 0000000000 Xxxxxxxxx Xxxx, Xxxxxxx Xxxxx, and MI 48025. You should also call the number or write this address if you believe a transfer has been made using the information from your check without your permission. Liability for Unauthorized Transfers (Non-Consumer Accounts). Tell us AT ONCE if you believe your card, ATM PIN, POS card or PIN, or Audio Response PIN has been lost or stolen. You will not be liable for any unauthorized use of your card or code that occurs after you notify us of the loss or theft of your card or code. You may be liable, however, for the entire amount of an unauthorized use that occurs before you notify us: * If you or an authorized user write the PIN on the card. * If you or an authorized user keep the PIN with the card. * If you or an authorized user voluntarily permit the PIN and the card to come into the possession of a person who makes or causes to be made an unauthorized use. If you fail to notify us of an unauthorized use within 30 days after you receive a statement on your authorized account showing the unauthorized use, you will be liable for a subsequent unauthorized use that could have been prevented by timely notification. If you believe that your card or code has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, contact us at the phone number or address listed in the Liability for Unauthorized Transfers (Consumer Accounts) paragraph.

Electronic Check Conversion. You may authorize a merchant or other payee to make a one-time electronic payment from your account using information from your check to pay for purchases or pay bills. Electronic check conversion is a payment process in which a merchant or other payee (after obtaining your authorization) uses your check to gather routing, account, and check number information to initiate a one-time EFT. When information from your check is used to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day you make your payment. This type of EFT transaction involving a consumer account is covered by the Electronic Funds Transfer Act and this disclosure. 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-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 Electronic Funds Transfer Act and this disclosure. When a merchant re-presents a check electronically, that transaction is not covered by the Electronic Funds Transfer Act or this disclosure. A description of the transaction will appear on your statement. Liability for Unauthorized VISA Debit Card Transactions. The following limitations may be applicable to your accounts, except as provided by law: Liability for Unauthorized MasterCard Debit Card Transactions on Cards Issued to Certain Consumers and Small Businesses. The zero liability limit described below only applies to a United States-issued MasterCard branded debit cards that are United States card issued VISA Consumer Cards to: (i) a natural person, or VISA Business Cards for transactions processed through (ii) a VISA network or, for ATM transactions, business or other entity only if the card is issued under a Plus network"small business" program described on MasterCard's website at xxx.xxxxxxxxxxxxxxxxxx.xxx. The zero liability limit described below does not apply to: if you are a business or an entity of any sort (acorporation, limited liability company, partnership, etc.) unless the card issued to you is a "small business" card described above. The zero-liability limit described below does not apply until your identity is registered by or on behalf of the card issuer. Under MasterCard's zero liability policy as described in the MasterCard Rules (as may be amended from time to time), the zero-liability limitation described below may not apply for other types of VISA commercial debit cards that are not VISA Business Cards; (b) transactions using your personal identification number that are not processed through a VISA network; and (c) ATM transactions which are not sent over VISA or Plus networksreasons. Tell us AT ONCE if you believe your VISA MasterCard debit card has been lost or stolen or if you believe any unauthorized transactions have been made using your VISA MasterCard debit card. Your liability for unauthorized VISA use of your debit card transactions that are processed through a VISA or Plus network, as applicable, with the MasterCard logo will be not exceed zero dollars ($0.00)) if the following conditions have been met: (i) you have exercised reasonable care in safeguarding your card from risk of loss or theft; and (ii) upon becoming aware of such loss or theft you promptly reported the loss or theft to us. HoweverIf the conditions set forth above have not been met, you may be liable for unauthorized transactions to the extent allowed under applicable law (for example, see for example the Liability for Unauthorized Transfers paragraph below) we may hold you liable for the entire amount of an unauthorized transaction if we find, based on substantial evidence, that you have been negligent or fraudulent in the handling of your deposit account or VISA debit card. For VISA Business Cards: An "unauthorized transaction" does not include any transaction allegedly conducted by (a) a business co-owner, (b) the cardholder or person authorized by the cardholder, or (c) any other person with an interest in or authority to transact business on the account). To notify us of lost or stolen cards, or of unauthorized transactions, call or write to us at the telephone number or address set forth in the Liability for Unauthorized Transfers paragraph below. This will help prevent unauthorized access to your account and minimize any inconvenience. Unless you have been grossly negligent or have engaged in fraud, you will not be liable for any unauthorized transactions using your lost or stolen VISA Debit Card. This additional limit on liability does not apply to ATM transactions or to transactions using your personal identification number which are not processed by VISA. VISA MasterCard is a registered trademark of Visa MasterCard Worldwide or its subsidiaries in the United States and other countriesStates. In addition to the limitations set forth above, the following limitations may be applicable to your consumer accounts: Liability for Unauthorized Transfers. Tell us AT ONCE if you believe your card, ATM PIN, POS card or PIN, or online and/or mobile banking PIN 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). If you 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 $50.00 if someone used your card 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, and we can prove that 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 $500.00. Also, if your statement shows transfers that you did not make, including those made by card code or other such means, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may not get back any money lost after the sixty (60) days if we can prove that we could have stopped someone from taking the takingthe money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If you believe that your card or code has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call (000) 000-0000, or write us at Peoples Bank & Trust,000 X Continental Bank,15 Xxxx Xxxxx Xxxxxx, Xxxxx 000, Xxxx Xxxx Xxxx, XX 00000. You should also call the number or write this address if you believe a transfer has been made using the information from your check without your permission. The above limitations do not apply to business accounts, unless otherwise required by law. You accept responsibility for implementing commercially reasonable security measures to safeguard your business account card, ATM PIN, or POS card or PIN, Audio Response PIN, or online and/or mobile banking PIN from unauthorized use. If you authorize employees, agents, or others to use your card or code, you shall be liable for transactions conducted by such additional users. You are responsible for promptly examining your statement each statement period and reporting any unauthorized transaction within a reasonable time, not to exceed Sixty (60) calendar days after the statement is made available. If you believe that your card or code has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call (000) 000-0000.

Electronic Check Conversion. You may authorize a merchant or other payee to make a one-time electronic payment from your account using information from your check to to: (1) pay for purchases or purchases; and (2) pay bills. Electronic check conversion is ATM Transactions You may access your account(s) by ATM using your debit card and Personal Identification Number to: > Get cash withdrawals from your checking and/or savings account(s) that are linked to the card, not to exceed the maximum limit set per day, generally $500; > Get information about the account balance of your checking and/or savings account(s); > Deposit funds into your checking or savings account(s) using only Proponent proprietary ATMs; and/or > Transfer funds between two or more accounts that you own that are linked to the card. ATM Fees and Charges We do not charge you for using your Proponent debit card at ATMs operated by us. We may charge you a payment process fee for using your Proponent debit card at an ATM operated by another financial institution, as disclosed in which the Rate and Fee Schedule. You may be charged by another financial institution or network for using your Proponent ATM/Visa Debit card at their machine(s). Their fee(s) can be instantly taken out of the Proponent account linked to the debit card you used. ATM Safety You agree to exercise discretion when using ATMs. If there are any suspicious circumstances, do not use the ATM. If you notice anything suspicious while transacting business at the ATM, cancel the transaction, pocket your card and leave. Be careful when using the ATM and be aware of the surroundings, especially at night or in isolated areas. Park near the ATM in a welllighted area. At night, have someone accompany you whenever possible. Do not approach a dark ATM. Do not accept assistance from anyone while using the ATM. Don’t display your cash; pocket it and count it later in the safety of your office or home. Be sure to save your transaction slips. Check them against your statements regularly. Prepare deposits at home to minimize your time at the ATM. Make sure you safeguard your PIN – do not write it on your card or carry it in your wallet or purse. Always secure your card just like you would your cash, checks, and credit cards. Report all crimes to the ATM operator and local law enforcement officials immediately. We do not guarantee your safety while using the ATM. Debit Card Transactions You may access your checking account(s) to purchase goods and pay for services at most merchants displaying the VISA logo. We are not responsible if a merchant or financial institution does not accept your card. Unless otherwise provided, you may not exceed $500 in ATM withdrawal transactions and/or payments per day, or $2,000 per day for Point of Sale transactions. Some of these services may not be available at all terminals. Please also see Limitations on Frequency of Transfers section regarding limitations that apply to ATM and debit card transfers. Foreign Debit Card Transactions Payments must be made in US dollars for transactions you conduct in any other payee country. The merchant bank, foreign financial institution or card association will convert the foreign transaction into US dollars (after obtaining your authorization) uses your check to gather routing, account, and check number information to initiate a one-time EFTunder the applicable Exchange rules of Visa International). When information from your check is used to make an electronic fund transfer, funds Since the conversion date may be withdrawn different from your account the transaction date and the posting date, the Exchange rate may be different from the rates in effect on those dates. You agree to pay the converted dollar amount to us, as soon well as the same day you make your paymentVisa International Service Assessment (ISA) charges that are imposed. This type of EFT transaction involving a consumer account is covered by the Electronic Funds Transfer Act and this disclosure. A description of The exchange rate between the transaction will appear on your statementcurrency and the billing currency used for processing international transactions is: A rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives, or the governmentmandated rate in effect for the applicable central processing date. Re-presented Check Transactions Transaction Limitations – Money Market 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 Electronic Funds Transfer Act and this disclosure. When a merchant re-presents a check electronically, that transaction is not covered by the Electronic Funds Transfer Act or this disclosure. A description of Savings Accounts Please see “Transaction Limitations” (page 6) for the transaction will appear on your statementlimitations applicable to these accounts. Liability for Unauthorized VISA Debit Card Transactions. The following Additional limitations may be applicable to your accounts, except as provided by law: The zero liability limit described below only applies to debit cards that are United States issued VISA Consumer Cards or VISA Business Cards for transactions processed through a VISA network or, for ATM transactions, a Plus network. The zero liability limit described below does not apply to: (a) other types of VISA commercial debit cards imposed at terminals that are not VISA Business Cards; (b) transactions using owned or operated by us. When you use your personal identification number that are not processed through card at certain merchant locations, a VISA network; and (c) ATM transactions which are not sent over VISA hold may be placed on your account by an amount equal to or Plus networks. Tell us AT ONCE if you believe your VISA debit card has been lost or stolen or if you believe any unauthorized transactions have been made using your VISA debit card. Your liability for unauthorized VISA debit card transactions that are processed through a VISA or Plus network, as applicable, will be zero dollars ($0.00). However, to the extent allowed under applicable law (see for example the Liability for Unauthorized Transfers paragraph below) we may hold you liable for the entire amount of an unauthorized transaction if we find, based on substantial evidence, that you have been negligent or fraudulent in the handling excess of your deposit account or VISA debit cardultimate transaction. For VISA Business Cards: An "unauthorized transaction" does not include any transaction allegedly conducted by (a) a business co-owner, (b) the cardholder or person authorized by the cardholder, or (c) any other person with an interest in or authority to transact business on the account. To notify us of lost or stolen cards, or of unauthorized transactions, call or write to us at the telephone number or address set forth in the Liability for Unauthorized Transfers paragraph below. This will help prevent unauthorized access to your account and minimize any inconvenience. Unless you have been grossly negligent or have engaged in fraud, you The funds held will not be liable available to you for any unauthorized transactions using your lost or stolen VISA Debit Cardother purpose. This additional limit Any excess will be released later when the transaction is settled through the system. Applying for EFT Services Any authorized signer on liability does not an account may apply to ATM transactions or to transactions using your personal identification number which are not processed by VISAfor electronic fund transfer services on behalf of all of you. VISA is a registered trademark of Visa in the United States and other countries. In addition to the limitations set forth above, the following limitations may be applicable to your accounts: Liability for Unauthorized Transfers. Tell us AT ONCE if you believe your card, ATM PIN, POS card or PIN, or online and/or mobile banking PIN has been lost or stolen or if you believe that Once an electronic fund transfer has been made without your permission using information from your check. Telephoning service is the best way of keeping your possible losses down. You could lose all the money in established, any authorized signer on your account (plus your maximum overdraft line of credit). If you tell us within two (2) business days after you learn may act alone in conducting electronic fund transactions, regardless of the loss or theft number of your card or code, you can lose no more than $50.00 if someone used your card or code without your permission. If you do NOT tell us within two (2) business days after you learn of required signers indicated on 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 if you had told us, you could lose as much as $500.00. Also, if your statement shows transfers that you did not make, including those made by card code or other such means, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may not get back any money lost after the sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If you believe that your card or code has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call (000) 000-0000, or write us at Peoples Bank & Trust,000 X Xxxxxx, Xxxx, XX 00000. You should also call the number or write this address if you believe a transfer has been made using the information from your check without your permissionapplication.

Electronic Check Conversion. You may authorize a merchant or other payee to make a one-time electronic payment from your account using information from your check to pay for purchases or pay bills. Electronic check conversion is a payment process in which a merchant or other payee (after obtaining your authorization) uses your check to gather routing, account, and check number information to initiate a one-time EFT. When information from your check is used to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day you make your payment. This type of EFT transaction involving a consumer account is covered by the Electronic Funds Transfer Act and this disclosure. 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 Electronic Funds Transfer Act and this disclosure. When a merchant re-presents a check electronically, that transaction is not covered by the Electronic Funds Transfer Act or this disclosure. A description of the transaction will appear on your statement. Liability for Unauthorized VISA Debit Card Transactions. The following limitations may be applicable to your accounts, except as provided by law: Liability for Unauthorized MasterCard Debit Card Transactions on Cards Issued to Certain Consumers and Small Businesses. The zero liability limit described below only applies to a United States-issued MasterCard branded debit cards that are United States card issued VISA Consumer Cards to: (i) a natural person, or VISA Business Cards for transactions processed through (ii) a VISA network or, for ATM transactions, business or other entity only if the card is issued under a Plus network"small business" program described on MasterCard's website at xxx.xxxxxxxxxxxxxxxxxx.xxx. The zero liability limit described below does not apply to: if you are a business or an entity of any sort (acorporation, limited liability company, partnership, etc.) unless the card issued to you is a "small business" card described above. The zero liability limit described below does not apply until your identity is registered by or on behalf of the card issuer. Under MasterCard's zero liability policy as described in the MasterCard Rules (as may be amended from time to time), the zero liability limitation described below may not apply for other types of VISA commercial debit cards that are not VISA Business Cards; (b) transactions using your personal identification number that are not processed through a VISA network; and (c) ATM transactions which are not sent over VISA or Plus networksreasons. Tell us AT ONCE if you believe your VISA MasterCard debit card has been lost or stolen or if you believe any unauthorized transactions have been made using your VISA MasterCard debit card. Your liability for unauthorized VISA use of your debit card transactions that are processed through a VISA or Plus network, as applicable, with the MasterCard logo will be not exceed zero dollars ($0.00)) if the following conditions have been met: (i) you have exercised reasonable care in safeguarding your card from risk of loss or theft; and (ii) upon becoming aware of such loss or theft you promptly reported the loss or theft to us. HoweverIf the conditions set forth above have not been met, you may be liable for unauthorized transactions to the extent allowed under applicable law (for example, see for example the Liability for Unauthorized Transfers paragraph below) we may hold you liable for the entire amount of an unauthorized transaction if we find, based on substantial evidence, that you have been negligent or fraudulent in the handling of your deposit account or VISA debit card. For VISA Business Cards: An "unauthorized transaction" does not include any transaction allegedly conducted by (a) a business co-owner, (b) the cardholder or person authorized by the cardholder, or (c) any other person with an interest in or authority to transact business on the account). To notify us of lost or stolen cards, or of unauthorized transactions, call or write to us at the telephone number or address set forth in the Liability for Unauthorized Transfers paragraph below. This will help prevent unauthorized access to your account and minimize any inconvenience. Unless you have been grossly negligent or have engaged in fraud, you will not be liable for any unauthorized transactions using your lost or stolen VISA Debit Card. This additional limit on liability does not apply to ATM transactions or to transactions using your personal identification number which are not processed by VISA. VISA MasterCard is a registered trademark of Visa MasterCard Worldwide or its subsidiaries in the United States and other countriesStates. In addition to the limitations set forth above, the following limitations may be applicable to your accounts: Liability for Unauthorized Transfers. Tell us AT ONCE if you believe your card, ATM PIN, POS card or PIN, Audio Response PIN, or online and/or mobile banking PIN 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). If you 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 $50.00 if someone used your card 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, and we can prove that 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 $500.00. Also, if your statement shows transfers that you did not make, including those made by card code or other such means, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may not get back any money lost after the sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If you believe that your card or code has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call (000) 000-0000, or write us at Peoples Bank & Trust,000 X XxxxxxCitizens Bank,000 X. Xxxxxxxx, XxxxXxxxxxxxxx, XX 00000. You should also call the number or write this address if you believe a transfer has been made using the information from your check without your permission.

Electronic Check Conversion. You may authorize a merchant or other payee to make a one-time electronic payment from your account using information from your check to pay for purchases or pay bills. Electronic check conversion is a payment process in which a merchant me rchant or other payee (after obtaining your authorization) uses your check to gather routing, account, and check number information to initiate a one-time EFT. When information from your check is used to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day you make your payment. This type of EFT transaction involving a consumer account is covered by the Electronic Funds Transfer Act and this disclosure. 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 fundsfunds . The resulting fee transaction if debited as an EFT from a consumer account is covered by the Electronic Funds Transfer Act and this disclosure. When a merchant re-presents a check electronically, that transaction is not covered by the Electronic Funds Transfer Act or this disclosure. A description of the transaction will appear on your statement. Liability for Unauthorized VISA Debit Card Transactions. The following limitations Electronic Fund Transfers Initiated by Third parties: You may be applicable authorize a third party to your accounts, except as provided by law: The zero liability limit described below only applies to debit cards that are United States issued VISA Consumer Cards or VISA Business Cards for transactions processed through a VISA network or, for ATM transactions, a Plus network. The zero liability limit described below does not apply to: (a) other types of VISA commercial debit cards that are not VISA Business Cards; (b) transactions using your personal identification number that are not processed through a VISA network; and (c) ATM transactions which are not sent over VISA or Plus networks. Tell us AT ONCE if you believe your VISA debit card has been lost or stolen or if you believe any unauthorized transactions have been made using your VISA debit card. Your liability for unauthorized VISA debit card transactions that are processed through a VISA or Plus network, as applicable, will be zero dollars ($0.00). However, to the extent allowed under applicable law (see for example the Liability for Unauthorized Transfers paragraph below) we may hold you liable for the entire amount of an unauthorized transaction if we find, based on substantial evidence, that you have been negligent or fraudulent in the handling of your deposit account or VISA debit card. For VISA Business Cards: An "unauthorized transaction" does not include any transaction allegedly conducted by (a) a business co-owner, (b) the cardholder or person authorized by the cardholder, or (c) any other person with an interest in or authority to transact business on the account. To notify us of lost or stolen cards, or of unauthorized transactions, call or write to us at the telephone number or address set forth in the Liability for Unauthorized Transfers paragraph below. This will help prevent unauthorized access to initiate electronic fund transfers between your account and minimize any inconveniencethe third party's account. Unless you have been grossly negligent These transfers to make or have engaged in fraud, you will not receive payment may be liable for any unauthorized transactions using your lost one-time occurrences or stolen VISA Debit Cardmay recur as directed by you. This additional limit on liability does not apply to ATM transactions These transfers may use the Automated Clearing House (ACH) or to transactions using your personal identification number which are not processed by VISAother payments network . VISA is a registered trademark of Visa in the United States and other countries. In addition Your authorization to the limitations set forth abovethird party to make these transfers can occur in a number of ways . For example, the following limitations may be applicable your authorization to your accounts: Liability for Unauthorized Transfers. Tell us AT ONCE if you believe your card, ATM PIN, POS card or PIN, or online and/or mobile banking PIN has been lost or stolen or if you believe that convert a check to an electronic fund transfer has been made without or to electronically pay a returned check charge can occur when a merchant provides you with notice and you go forward with the transaction (typically , at the point of purchase, a merchant will post a sign and print the notice on a receipt). In all cases, these third party transfers will require you to provide the third party with your permission using account number and financial institution information. This information can be found on your check as well as on a deposit or withdrawal slip. Thus, you should only provide your financial institution and account information (whether over the phone, the Internet, or via some other method) to trusted third parties whom you have authorized to initiate these electronic fund transfers. Examples of these transfers include, but are not limited to: *Preauthorized credits: You may make arrangements for certain direct deposits to be accepted into your checking or savings. *Preauthorized payments: You may make arrangements to pay certain recurring bills 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). If you tell us within two (2) business days after you learn of the loss checking or theft of your card or code, you can lose no more than $50.00 if someone used your card 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, and we can prove that 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 $500.00. Also, if your statement shows transfers that you did not make, including those made by card code or other such means, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may not get back any money lost after the sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If you believe that your card or code has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call (000) 000-0000, or write us at Peoples Bank & Trust,000 X Xxxxxx, Xxxx, XX 00000. You should also call the number or write this address if you believe a transfer has been made using the information from your check without your permissionsavings.

Electronic Check Conversion. You may authorize a merchant or other payee to make a one-time electronic payment from your account using information from your check to pay for purchases or pay bills. Electronic check conversion is a payment process in which a merchant or other payee (after obtaining your authorization) uses your check to gather routing, account, and check number information to initiate a one-time EFT. When information from your check is used to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day you make your payment. This type of EFT transaction involving a consumer account is covered by the Electronic Funds Transfer Act and this disclosure. 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 fundsfunds . The resulting fee transaction if debited as an EFT from a consumer account is covered by the Electronic Funds Transfer Act and this disclosure. When a merchant re-presents a check electronically, that transaction is not covered by the Electronic Funds Transfer Act or this disclosure. A description of the transaction will appear on your statement. Liability for Unauthorized VISA Debit Card Transactions. The following limitations may be applicable to your accounts, except as provided by law: Liability for Unauthorized MasterCard Debit Card Transactions on Cards Issued to Certain Consumers and Small Businesses. The zero liability limit described below only applies to a United States-issued MasterCard branded debit cards that are United States card issued VISA Consumer Cards to: (i) a natural person, or VISA Business Cards for transactions processed through (ii) a VISA network or, for ATM transactions, business or other entity only if the card is issued under a Plus network"small business" program described on MasterCard's website at www .xxxxxxxxxxxxxxxxxx.xxx. The zero liability limit described below does not apply to: if you are a business or an entity of any sort (acorporation, limited liability company, partnership, etc.) unless the card issued to you is a "small business" card described above. The zero liability limit described below does not apply until your identity is registered by or on behalf of the card issuer. Under MasterCard's zero liability policy as described in the MasterCard Rules (as may be amended from time to time). the zero liability limitation described below may not apply for other types of VISA commercial debit cards that are not VISA Business Cards; (b) transactions using your personal identification number that are not processed through a VISA network; and (c) ATM transactions which are not sent over VISA or Plus networksreasons. Tell us AT ONCE if you believe your VISA MasterCard debit card has been lost or stolen or if you believe any unauthorized transactions have been made using your VISA MasterCard debit card. Your liability for unauthorized VISA use of your debit card transactions that are processed through a VISA or Plus network, as applicable, with the MasterCard logo will be not exceed zero dollars ($0.00)) if the following conditions have been met: (i) you have exercised reasonable care in safeguarding your card from risk of loss or theft; and (ii) upon becoming aware of such loss or theft you promptly reported the loss or theft to us. HoweverIf the conditions set forth above have not been met, you may be liable for unauthorized transactions to the extent allowed under applicable law (for example, see for example the Liability for Unauthorized Transfers paragraph below) we may hold you liable for the entire amount of an unauthorized transaction if we find, based on substantial evidence, that you have been negligent or fraudulent in the handling of your deposit account or VISA debit card. For VISA Business Cards: An "unauthorized transaction" does not include any transaction allegedly conducted by (a) a business co-owner, (b) the cardholder or person authorized by the cardholder, or (c) any other person with an interest in or authority to transact business on the account. To notify us of lost or stolen cards, or of unauthorized transactions, call or write to us at the telephone number or address set forth in the Liability for Unauthorized Transfers paragraph below. This will help prevent unauthorized access to your account and minimize any inconvenience. Unless you have been grossly negligent or have engaged in fraud, you will not be liable for any unauthorized transactions using your lost or stolen VISA Debit Card. This additional limit on liability does not apply to ATM transactions or to transactions using your personal identification number which are not processed by VISA. VISA MasterCard is a registered trademark of Visa in the MasterCard Worldwide or its subsidiaries inthe United States and other countriesStates. In addition to the limitations set forth above, the following limitations may be applicable to your accounts: Liability for Unauthorized Transfers. Tell us AT ONCE if you believe your card, ATM PIN, POS card or PIN, or online and/or mobile banking PIN 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 allthe money in your account (plus your maximum overdraft line of credit). If you tell us within two (2) business days after you learn of the loss or theft of your card or code, you can lose no more than $50.00 if someone used your card 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, and we can prove that 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 $500.00. Also, if your statement shows transfers that you did not make, ,including those made by card code or other such means, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may not get back any money lost after the sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, ,we will extend the time periods. If you believe that your card or code has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call (000) 000-0000, or write us at Peoples Bank & Trust,000 X PEOPLES EXCHANGE BANK,0000 00xx Xxxxxx, XxxxXxxxxxxxxx, XX 00000. You should also call the number or write this address if you believe a transfer has been made using the information from your check without your permission. Illegal Transactions. You may not use your ATM, POS, or Debit Card, or other access device for any illegal or unlawful transaction, and we may decline to authorize any transaction that we believe poses an undue risk of illegality or unlawfulness. Notwithstanding the foregoing, we may collect on any debt arising out of any illegal or unlawful transaction. Business Days. For purposes of these electronic funds transfer disclosures, our business days are Monday through Friday. Holidays are not included. Stop Payments on ATM, POS, or Debit Card Transactions. You may not place a stop payment order on any ATM, POS, or debit card transaction. Documentation.

Electronic Check Conversion. You may authorize a merchant or other payee to make a one-time electronic payment from your account using information from your check to pay for purchases or pay bills. Electronic check conversion is a payment process in which a merchant or other payee (after obtaining your authorization) uses your check to gather routing, account, account and check number information to initiate a one-time EFT. When information from your check is used to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day when you make your payment. This type of EFT transaction involving a consumer account is covered by the Electronic Funds Transfer Act and this disclosure. 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 Electronic Funds Transfer Act and this disclosure. When a merchant re-presents a check electronically, that transaction is not covered by the Electronic Funds Transfer Act or this disclosure. A description of the transaction will appear on your statement. Liability for Unauthorized VISA Debit Card Transactions. The following limitations may be applicable to your accounts, except as provided by law: The zero liability limit described below only applies to debit cards that are United States issued Liability for Unauthorized VISA Consumer Cards or VISA Business Cards for transactions processed through a VISA network or, for ATM transactions, a Plus network. The zero liability limit described below does not apply to: (a) other types Point of VISA commercial debit cards that are not VISA Business Cards; (b) transactions using your personal identification number that are not processed through a VISA network; and (c) ATM transactions which are not sent over VISA or Plus networksSale Debit Card Transactions. Tell us us, AT ONCE ONCE, if you believe your VISA point of sale debit card has been lost or stolen or if you believe of any unauthorized transactions have been made using your VISA debit cardtransactions. Your liability for unauthorized VISA point of sale debit card transactions transaction that are processed through a take place on the VISA or Plus network, as applicable, will be zero system is Zero dollars ($0.00). HoweverWe may require you to provide a written statement regarding claims of unauthorized VISA point of sale debit card transactions. These provisions limiting your liability do not apply to VISA commercial credit cards, ATM transactions, or PIN transactions not processed by VISA; and apply only to cards issued in the United States. With respect to unauthorized transactions, these limits may be exceeded to the extent allowed under applicable law (see for example the Liability for Unauthorized Transfers paragraph below) we may hold you liable for the entire amount of an unauthorized transaction only if we find, based on substantial evidence, determine that you have been were grossly negligent or fraudulent in the handling of your deposit account or VISA point of sale debit card. For VISA Business Cards: An "unauthorized transaction" does not include any transaction allegedly conducted by (a) a business co-ownerspecific restrictions, (b) the cardholder or person authorized by the cardholderlimitations, or (c) any and other person with an interest in or authority to transact business on the accountdetails see your Cardholder Agreement. To notify us of lost or stolen cards, or of unauthorized transactions, call or write to us at the telephone number or address set forth in the Liability for Unauthorized Transfers paragraph below. This will help prevent unauthorized access to your account and minimize any inconvenience. Unless you have been grossly negligent or have engaged in fraud, you will not be liable for any unauthorized transactions using your lost or stolen VISA Debit Card. This additional limit on liability does not apply to ATM transactions or to transactions using your personal identification number which are not processed by VISA. VISA is a registered trademark of Visa in the United States and other countriesInternational. In addition to the limitations set forth above, the following limitations may be applicable to your accounts: Liability for Unauthorized Transfers. Tell us AT ONCE if you believe your cardCard, ATM PIN, POS card or PIN, Audio Response PIN, or online and/or mobile banking PIN 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). If you 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 $50.00 if someone used your card or code 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 card or code, and we can prove that 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 $500.00. Also, if your statement shows transfers that you did not make, including those made by card card, code or other such means, tell us at once. If you do not tell us within sixty (60) 60 days after the statement was mailed to you, you may not get back any money you lost after the sixty (60) 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 or a hospital stay) kept you from telling us, we will extend the time periods. If you believe that your card or code has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call (000) 000-0000, or write us at Peoples Bank & Trust,000 X XxxxxxAmerican Bank, N.A., 0000 Xxxxxxxxxx 00 Xxxxx, Xxxx, XX Xxxxx 00000. You should also call the number or write this address if you believe a transfer has been made using the information from your you check without your permission.

Electronic Check Conversion. You may authorize a merchant or other payee to make a one-time electronic payment from your account using information from your check to pay for purchases or pay bills. Electronic check conversion is a payment process in which a merchant or other payee (after obtaining your authorization) uses your check to gather routing, account, and check number information to initiate a one-time electronic funds transfer (EFT). When information from your check is used to make an electronic fund funds transfer, funds may be withdrawn from your account as soon as the same day you make your payment. This type of EFT transaction involving a consumer account is covered by the Electronic Funds Transfer Act and this disclosure. 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 transaction, if debited as an EFT from a consumer account account, is covered by the Electronic Funds Transfer Act and this disclosure. When a merchant re-presents a check electronically, that transaction is not covered by the Electronic Funds Transfer Act or this disclosure. A description of the transaction will appear on your statement. Liability for Unauthorized VISA Debit Card Transactions. The following limitations may be applicable to your accounts, except as provided by law: Liability for Unauthorized MasterCard Debit Card Transaction on Cards Issued to Certain Consumer and Small Businesses: The zero liability limit described below only applies to debit cards that are a United States States- issued VISA Consumer Cards MasterCard branded debt card issued to : (i) a natural person, or VISA Business Cards for transactions processed through (ii) a VISA network or, for ATM transactions, business or other entity only if the card is issued under a Plus network“small business:” program described on MasterCard’s website at xxxx.xxxxxxxxxxxxxxxxxx.xxx. The zero liability limit described below does not apply to: if you are a business or an entity of any sort (acorporation, limited liability company, partnership, etc.) unless the card issued to you is a “small business” card described above. The zero liability limit described below does not apply until your identity is registered by or on behalf of the card issuer. Under MasterCard’s zero liability policy as described in the MasterCard Rules (as may be amended from time to time), the zero liability limitation described below may not apply for other types of VISA commercial debit cards that are not VISA Business Cards; (b) transactions using your personal identification number that are not processed through a VISA network; and (c) ATM transactions which are not sent over VISA or Plus networksreasons. Tell us AT ONCE if you believe your VISA MasterCard debit card has been lost or stolen or if you believe any unauthorized transactions have been made using your VISA MasterCard debit card. Your liability for unauthorized VISA use of your debit card transactions that are processed through a VISA or Plus network, as applicable, with the MasterCard logo will be not exceed zero dollars ($0.00)) if the following conditions have been met: (i) you have exercised reasonable care in safeguarding your card from risk of loss or theft; and (II) upon becoming aware of such loss or theft you promptly reported the loss or theft to us. HoweverIf the conditions set forth above have not been met, you may be liable for unauthorized transactions to the extent allowed under applicable law (for example, see for example the Liability for Unauthorized Transfers paragraph below) we may hold you liable for the entire amount of an unauthorized transaction if we find, based on substantial evidence, that you have been negligent or fraudulent in the handling of your deposit account or VISA debit card. For VISA Business Cards: An "unauthorized transaction" does not include any transaction allegedly conducted by (a) a business co-owner, (b) the cardholder or person authorized by the cardholder, or (c) any other person with an interest in or authority to transact business on the account). To notify us of lost or stolen cards, or of unauthorized transactions, call or write to us at the telephone number or address set forth in the Liability for Unauthorized Transfers paragraph below. This will help prevent unauthorized access to your account and minimize any inconvenience. Unless Currency Conversion. If you have been grossly negligent or have engaged effect a transaction with your debit card in fraudcurrency other than U.S. Dollars, you MasterCard will not be liable convert the charge into a U.S. Dollar amount. The MasterCard currency conversion procedure is based on rates observed in the wholesale market or, where applicable, on government-mandated rates. The currency conversion rate MasterCard generally uses is the rate for any unauthorized transactions using your lost or stolen VISA Debit Cardthe applicable currency that is in effect on the day the transaction occurred. This additional limit However, in limited situations, particularly where MasterCard transaction processing is being delayed, MasterCard may instead use the rate for the applicable currency in effect on liability does not apply to ATM transactions or to transactions using your personal identification number which are not processed by VISAthe day the transaction is processed. VISA MasterCard charges us an Issuer Foreign Transaction Fee regardless of whether there is a registered trademark currency conversion. A Foreign Transaction is a transaction processed through the Global Clearing Management System or the MasterCard Debit Switch in which the country of Visa in the United States and other countriesmerchant is different from the country of the cardholder. • MasterCard will charge you a Currency Conversion fee based on the criteria described above. • We may charge you Foreign Transaction Fee. The fee we charge you is disclosed separately. In addition to the limitations set forth above, the following limitations may be applicable to your accounts: Liability for Unauthorized Transfers. Tell us AT ONCE if you believe your card, ATM PIN, POS card or PIN, Audio Response PIN, or online Online and/or mobile banking PIN 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 of the money in your account (plus your maximum overdraft line of credit). If you tell us within two sixty (260) business days after you learn of the loss or theft of your card or codereceive a statement that shows any transfers that you did not make, you can lose no more than $50.00 if your card is lost or stolen and someone used your card 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, and we can prove that 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 $500.00. Also, if your statement shows transfers that you did not make, including those made by card code or other such means, tell us at once. If It you do not tell us within sixty (60) days after you received the statement was mailed to youstatement, you may not get back any money lost after the sixty (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 or a hospital stay) kept you from telling us, we will extend the time periods. If you believe that your card or code has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, permission call (000) 000-0000, or write us at Peoples Bank & Trust,000 X XxxxxxFIRST NATIONAL BANK OF MILACA, XxxxATTN: Resolution Dept. P.O. BOX 38, XX 00000MILACA, MN 56353. You should also call the number or write this address if you believe a transfer has been made using the information from your check without your permission. The above limitations do not apply to business accounts, unless otherwise required by law. You accept responsibility for implementing commercially reasonable security measures to safeguard your business account card, ATM PIN, or POS card or PIN, Audio Response PIN, or online and/or mobile banking PIN from unauthorized use. If you authorize employees, agents, or others to use your card or code, you shall by liable for transactions conducted by such additional users. You are responsible for promptly examining your statement each statement period and reporting any unauthorized transaction with in a reasonable time, not to exceed Sixty (60) calendar days after the statement is made available. If you believe that your card or code has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call (00) 000-0000.

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 to: • Pay for purchases or pay purchases. • Pay bills. Electronic check conversion Limitations on Frequency of ATM Transactions and Cash Withdrawal Limits Frequency-of-use limitations are imposed on ATM transactions for security reasons and for the protection of your account. They are not disclosed for this reason and may be changed at any time. You will be denied the use of your ATM or debit card if: • You exceed the daily ATM withdrawal or purchase limit; • You do not have sufficient available funds in your account; • You do not enter your correct PIN; or • You exceed the limit on the number of times you can use your card each day. The receipt provided by the ATM or merchant terminal will notify you of the denial. There is a payment process in limit on the number of such denials permitted, beyond which a merchant the machine may retain your ATM or other payee (after obtaining debit card. The number of attempts that will cause the retention of your authorization) uses ATM or debit card is also not disclosed for security reasons. Debit Card Transactions and Daily Limits Consistent with applicable law, you may use your check debit card to gather routing, account, purchase goods and check number information to initiate a one-time EFT. When information from your check is used to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day you make your payment. This type of EFT transaction involving a consumer account is covered services and/or obtain cash where permitted by the Electronic Funds Transfer Act and this disclosuremerchant, from any merchant who accepts Vis ® Debit Card. A description The merchant may require your signature instead of your PIN to authorize the transaction will appear on your statement. Re-presented Check Transactions and Feespurchase request. You may authorize a also use your debit card with your PIN at any merchant location where ATM cards are accepted to electronically collect a fee associated with purchase goods and services and/or obtain cash where permitted by the re-presentment of a check that is returned due to insufficient or unavailable fundsmerchant. The resulting fee transaction amount of all purchases, including any cash obtained, will be deducted from your checking account. If you use your debit card number without presenting your card (such as for a mail order, telephone, or Internet purchase), the legal effect will be the same as if debited as an EFT from a consumer account is covered by you used the Electronic Funds Transfer Act and this disclosurecard itself. When a merchant re-presents a check electronicallyFor security reasons, that transaction is not covered by we may limit the Electronic Funds Transfer Act amount or this disclosure. A description number of the transaction will appear transactions you can make on your statement. Liability for Unauthorized VISA Debit Card Transactions. The following limitations may be applicable to your accounts, except as provided by law: The zero liability limit described below only applies to debit cards that are United States issued VISA Consumer Cards or VISA Business Cards for transactions processed through a VISA network or, for ATM transactions, a Plus network. The zero liability limit described below does not apply to: (a) other types of VISA commercial debit cards that are not VISA Business Cards; (b) transactions using your personal identification number that are not processed through a VISA network; and (c) ATM transactions which are not sent over VISA or Plus networks. Tell us AT ONCE if you believe your VISA debit card has been lost or stolen or if you believe any unauthorized transactions have been made using your VISA debit card. Your liability for unauthorized VISA You may not use your debit card transactions that are processed for online gambling or any illegal transaction. When you make a purchase through a VISA or Plus the debit card network, as applicable, will be zero dollars ($0.00). However, to the extent allowed under applicable law (see for example the Liability for Unauthorized Transfers paragraph below) we may place a hold you liable for on the entire funds in your checking account that may be necessary to cover the amount of an unauthorized transaction if we findthe transaction. (Please see “Preauthorization Holds,” below, based on substantial evidencefor additional information.) Dollar limitations vary according to account type and access device and are detailed in the following table: Account Type ATM Card Debit Card ATM ATM Point of Sale OnePoint Checking $500/day $500/day $1,500/day OnePoint Savings $500/day Not Offered Premium Money Market $500/day Not Offered Business Checking, that 24 Hour Business Checking, BusinessChecking Plus $500/day $500/day $1,500/day Account Type ATM Card HSA Debit Card ATM ATM Point of Sale Health SavingsAccount $500/day $500/day $1,500/day Account Type ATM Card Prime Access Debit Card ATM ATM Point ofSale Home Equity Lines of Credit, Personal Line of Credit Not Offered $500/day $1,500/day Rules of Card Association (Visa) If you report the loss or theft of your Visa debit card within two (2) business days of when you discover the loss or theft of the card, and you have been negligent or fraudulent in the handling of your deposit account or VISA debit card. For VISA Business Cards: An "unauthorized transaction" does not include any transaction allegedly conducted by (a) a business co-owner, (b) the cardholder or person authorized by the cardholder, or (c) any other person with an interest in or authority to transact business on the account. To notify us of lost or stolen cards, or of unauthorized transactions, call or write to us at the telephone number or address set forth in the Liability for Unauthorized Transfers paragraph below. This will help prevent unauthorized access to your account and minimize any inconvenience. Unless you have been grossly negligent or have not engaged in fraud, you will not be liable for any unauthorized transactions using your lost or stolen VISA Debit Card. This additional limit on liability does not apply to ATM transactions or to transactions using your personal identification number which are not processed by VISA. VISA is a registered trademark of Visa in the United States and other countries. In addition to the limitations set forth above, the following limitations may be applicable to your accounts: Liability for Unauthorized Transfers. Tell us AT ONCE if you believe your debit card, ATM PIN, POS card or PIN, or online and/or mobile banking PIN 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)when used for signature-based point-of-sale transactions. If you tell do not advise us within two (2) business days after days, your liability is the lesser of $50 or the amount of money, property, labor or services obtained by the unauthorized use before notification to us. Processing Procedures – Visa Debit Card If you learn of the loss or theft of have a Visa debit card, new procedures are in effect that may impact you when you use your card or codeat certain merchants. In the past, transactions were processed as Visa debit transactions unless you can lose no more than $50.00 if someone used your card or code without your permissionentered a PIN. If you do NOT tell us within two (2) 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 if you had told us, you could lose as much as $500.00. AlsoNow, if your statement shows transfers that you did not make, including those made by card code or other such means, tell us at once. If you do not tell enter a PIN, transactions may be processed as either a Visa debit transaction or a transaction processed by another network listed on the back of your card. Merchants are responsible for providing you with a clear way of choosing to make a Visa debit transaction, if they support the option. If a network other than Visa is used when making a transaction without a PIN, different terms may apply. Certain protections and rights described in this Agreement are applicable only to Visa debit transactions and do not apply to transactions processed by another network. Preauthorization Holds When your debit card or other network enhancement feature related to the card is used at a point-of-sale location to obtain goods or services or obtain cash, the merchant may attempt to obtain preauthorization from us within sixty for the transaction. We place a 10-business-day hold on your account for the amount of the preauthorization request, which may vary in some cases from the amount of the actual purchase, depending on the merchant’s request. If the preauthorization request varies from the amount of the actual transaction, payment of the transaction may not remove the hold, which will remain on the account until the end of the tenth business day. This hold may affect the availability of funds from your checking account to pay checks or for other Electronic Fund Transfers. We will not be responsible for damages for wrongful dishonor of any items that are not paid because of the hold. Preauthorized Debits or Credits You may arrange to have certain recurring payments automatically deposited (60credited) days after to your account. Examples of this service include the statement was mailed direct deposit of Social Security and other government payments, and the direct deposit of your payroll. You may arrange to youhave certain recurring withdrawals automatically paid (debited) from your account. For example, you may not get back any money lost after arrange to have insurance premiums paid automatically. These preauthorized transfers are governed by federal regulations pertaining to Electronic Fund Transfer services that entitle you to certain protections. Requests for these services must be authorized by you, in writing, to the sixty (60) days if we can prove that we could have stopped someone from taking Originator of the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If you believe that your card or code has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call (000) 000-0000, or write us at Peoples Bank & Trust,000 X Xxxxxx, Xxxx, XX 00000. You should also call the number or write this address if you believe a transfer has been made using the information from your check without your permissiontransaction prior to becoming effective.

Electronic Check Conversion. You Some point-of-sale terminals may authorize a merchant or other payee to make provide you the option of initiating a one-time electronic payment automatic debit from your account using Account by authorizing the merchant to obtain the necessary information from a check drawn on your Deposit Account. A check used in this way is treated as an EFT and is not a negotiable instrument in its own right. The check cannot be subsequently used and should be voided. ATM Transfers Types of transfers and dollar limitations – You may access your Account(s) by ATM using your Mastercard® Business Debit Card and personal identification number (PIN) to: • Get cash withdrawals from Checking, Statement Savings and Money Market Accounts – the standard daily limit for cash withdrawals is the available balance in your Account up to your card’s predetermined authorized daily limit; • Transfer funds between Checking, Statement Savings and Money Market Accounts linked to your card; • Get information about the Account(s) balances for your Checking, Statement Savings and/or Money Market Account(s) linked to your card; • Charge point-of-sale purchases to your Checking Account. Note: Some of these services may not be available at all terminals. Mastercard® Business Debit Card Transactions Types of transactions and dollar limitations – You may access your Checking Account through the Mastercard® network using your Mastercard® Business Debit Card to: • Purchase goods or pay for purchases services; • Get cash from a merchant, if the merchant permits, or pay billsfrom a participating financial institution. Electronic check conversion is Your standard daily limits are the available balance in your Checking Account up to your card’s predetermined authorized daily limit. These transactions will be automatically deducted from your Checking Account. You may use your Mastercard® Business Debit Card at any location that accepts Mastercard®. YOU ARE RESPONSIBLE FOR RESOLVING ALL DISPUTES CONCERNING THE PURCHASE OF GOODS OR SERVICES WITH THE MERCHANT WHO ACCEPTED THE CARD. Holds When you use your card to make a payment process in which purchase from a merchant or other payee (after obtaining your authorization) uses your check to gather routing, accountmerchant, and check number information to initiate the merchant seeks authorization for the transaction, we may place a one-time EFThold on your Account for the amount of the transaction. When information from your check is used to make Authorization requests for certain merchants may include an electronic fund transfer, funds may be withdrawn from your account as soon as the same day you make your payment. This type of EFT transaction involving a consumer account is covered by the Electronic Funds Transfer Act and this disclosure. A description amount in excess 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 Electronic Funds Transfer Act and this disclosure. When a merchant re-presents a check electronically, that transaction is not covered by the Electronic Funds Transfer Act or this disclosure. A description of the transaction will appear on your statement. Liability for Unauthorized VISA Debit Card Transactions. The following limitations may be applicable to your accounts, except as provided by law: The zero liability limit described below only applies to debit cards that are United States issued VISA Consumer Cards or VISA Business Cards for transactions processed through a VISA network oramount (e.g., for ATM transactionsgratuity at restaurants or additional services at hotels), in which case we will place a Plus networkhold on the authorized amount, though your Account will only be debited for the actual transaction amount. The zero liability limit described below does not apply to: (a) other types of VISA commercial debit cards that are not VISA Business Cards; (b) transactions using your personal identification number that are not processed through a VISA network; and (c) ATM transactions which are not sent over VISA or Plus networks. Tell us AT ONCE if you believe your VISA debit card has been lost or stolen or if you believe any unauthorized transactions have been made using your VISA debit card. Your liability for unauthorized VISA debit card transactions that are processed through a VISA or Plus network, as applicable, This hold will be zero dollars ($0.00). However, removed from your Account upon the sooner to occur of: 1) when the extent allowed under applicable law (see for example the Liability for Unauthorized Transfers paragraph below) we may hold you liable for the entire actual transaction amount of an unauthorized transaction if we find, based on substantial evidence, that you have been negligent is debited from your Account; or fraudulent in the handling of your deposit account or VISA debit card. For VISA Business Cards: An "unauthorized transaction" does not include any transaction allegedly conducted by (a2) a business co-owner, time period of approximately three days after the authorization. Minimum Account Balance We do not require you to maintain a minimum balance in any Account as a condition of using an access device (b) the cardholder or person authorized by the cardholder, or (c) any other person with an interest in or authority to transact business on the account. To notify us of lost or stolen cards, or of unauthorized transactions, call or write to us at the telephone number or address set forth in the Liability for Unauthorized Transfers paragraph below. This will help prevent unauthorized access to your account and minimize any inconvenience. Unless you have been grossly negligent or have engaged in fraud, you will not be liable for any unauthorized transactions using your lost or stolen VISA Debit Card. This additional limit on liability does not apply to ATM transactions or to transactions using your personal identification number which are not processed by VISA. VISA is a registered trademark of Visa in the United States and other countries. In addition to the limitations set forth above, the following limitations may be applicable to your accounts: Liability for Unauthorized Transfers. Tell us AT ONCE if you believe your card, ATM PIN, POS card or PIN, or online and/or mobile banking PIN 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). If you 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 $50.00 if someone used your card 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, and we can prove that 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 $500.00. Also, if your statement shows transfers that you did not make, including those made by card code or other such means, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may not get back any money lost after the sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time. If perform a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If you believe that your card or code has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call (000) 000-0000, or write us at Peoples Bank & Trust,000 X Xxxxxx, Xxxx, XX 00000. You should also call the number or write this address if you believe a transfer has been made using the information from your check without your permissiontransaction.

Electronic Check Conversion. You may authorize a merchant or other payee to make a one-time electronic payment from your account using information from your check to pay for purchases or pay bills. Electronic check conversion is a payment process in which a merchant or other payee (after obtaining your authorization) uses your check to gather routing, account, and check number information to initiate a one-time EFT. When information from your check is used to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day you make your payment. This type of EFT transaction involving a consumer account is covered by the Electronic Funds Transfer Act and this disclosure. 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 Electronic Funds Transfer Act and this disclosure. When a merchant re-presents a check electronically, that transaction is not covered by the Electronic Funds Transfer Act or this disclosure. A description of the transaction will appear on your statement. Liability for Unauthorized VISA Debit Card Transactions. The following limitations may be applicable to your accounts, except as provided by law: Liability for Unauthorized MasterCard Debit Card Transactions on Cards Issued to Certain Consumers and Small Businesses. The zero liability limit described below only applies to a United States-issued MasterCard branded debit cards that are United States card issued VISA Consumer Cards to: (i) a natural person, or VISA Business Cards for transactions processed through (ii) a VISA network or, for ATM transactions, business or other entity only if the card is issued under a Plus network"small business" program described on MasterCard's website at xxx.xxxxxxxxxxxxxxxxxx.xxx. The zero liability limit described below does not apply to: if you are a business or an entity of any sort (acorporation, limited liability company, partnership, etc.) unless the card issued to you is a "small business" card described above. The zero liability limit described below does not apply until your identity is registered by or on behalf of the card issuer. Under MasterCard's zero liability policy as described in the MasterCard Rules (as may be amended from time to time), the zero liability limitation described below may not apply for other types of VISA commercial debit cards that are not VISA Business Cards; (b) transactions using your personal identification number that are not processed through a VISA network; and (c) ATM transactions which are not sent over VISA or Plus networksreasons. Tell us AT ONCE if you believe your VISA MasterCard debit card has been lost or stolen or if you believe any unauthorized transactions have been made using your VISA MasterCard debit card. Your liability for unauthorized VISA use of your debit card transactions that are processed through a VISA or Plus network, as applicable, with the MasterCard logo will be not exceed zero dollars ($0.00)) if the following conditions have been met: (i) you have exercised reasonable care in safeguarding your card from risk of loss or theft; and (ii) upon becoming aware of such loss or theft you promptly reported the loss or theft to us. HoweverIf the conditions set forth above have not been met, you may be liable for unauthorized transactions to the extent allowed under applicable law (for example, see for example the Liability for Unauthorized Transfers paragraph below) we may hold you liable for the entire amount of an unauthorized transaction if we find, based on substantial evidence, that you have been negligent or fraudulent in the handling of your deposit account or VISA debit card. For VISA Business Cards: An "unauthorized transaction" does not include any transaction allegedly conducted by (a) a business co-owner, (b) the cardholder or person authorized by the cardholder, or (c) any other person with an interest in or authority to transact business on the account). To notify us of lost or stolen cards, or of unauthorized transactions, call or write to us at the telephone number or address set forth in the Liability for Unauthorized Transfers paragraph below. This will help prevent unauthorized access to your account and minimize any inconvenience. Unless you have been grossly negligent or have engaged in fraud, you will not be liable for any unauthorized transactions using your lost or stolen VISA Debit Card. This additional limit on liability does not apply to ATM transactions or to transactions using your personal identification number which are not processed by VISA. VISA MasterCard is a registered trademark of Visa MasterCard Worldwide or its subsidiaries in the United States and other countriesStates. In addition to the limitations set forth above, the following limitations may be applicable to your accounts: Liability for Unauthorized Transfers. Tell us AT ONCE if you believe your card, ATM PIN, POS card or PIN, or online and/or mobile banking PIN 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). If you 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 $50.00 if someone used your card 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, and we can prove that 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 $500.00. Also, if your statement shows transfers that you did not make, including those made by card code or other such means, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may not get back any money lost after the sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If you believe that your card or code has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call (000) 000-0000, or write us at Peoples Bank & Trust,000 X Xxxxxx, Xxxx, XX 00000. You should also call the number or write this address if you believe a transfer has been made using the information from your check without your permission.sixty

Electronic Check Conversion. You may authorize a merchant or other payee to make a one-time electronic payment from your account using information from your check to pay for purchases or pay bills. Electronic check conversion is a payment process in which a merchant or other payee (after obtaining your authorization) uses your check to gather routing, account, and check number information to initiate a one-time electronic funds transfer (EFT). When information from your check is used to make an electronic fund funds transfer, funds may be withdrawn from your account as soon as the same day you make your payment. This type of EFT transaction involving a consumer account is covered by the Electronic Funds Transfer Act and this disclosure. 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 transaction, if debited as an EFT from a consumer account account, is covered by the Electronic Funds Transfer Act and this disclosure. When a merchant re-presents a check electronically, that transaction is not covered by the Electronic Funds Transfer Act or this disclosure. A description of the transaction will appear on your statement. Liability for Unauthorized VISA Debit Card Transactions. The following limitations may be applicable to your accounts, except as provided by law: Liability for Unauthorized MasterCard Debit Card Transaction on Cards Issued to Certain Consumer and Small Businesses: The zero liability limit described below only applies to debit cards that are a United States States- issued VISA Consumer Cards MasterCard branded debt card issued to : (i) a natural person, or VISA Business Cards for transactions processed through (ii) a VISA network or, for ATM transactions, business or other entity only if the card is issued under a Plus network“small business:” program described on MasterCard’s website at xxxx.xxxxxxxxxxxxxxxxxx.xxx. The zero liability limit described below does not apply to: if you are a business or an entity of any sort (acorporation, limited liability company, partnership, etc.) unless the card issued to you is a “small business” card described above. The zero liability limit described below does not apply until your identity is registered by or on behalf of the card issuer. Under MasterCard’s zero liability policy as described in the MasterCard Rules (as may be amended from time to time), the zero liability limitation described below may not apply for other types of VISA commercial debit cards that are not VISA Business Cards; (b) transactions using your personal identification number that are not processed through a VISA network; and (c) ATM transactions which are not sent over VISA or Plus networksreasons. Tell us AT ONCE if you believe your VISA MasterCard debit card has been lost or stolen or if you believe any unauthorized transactions have been made using your VISA MasterCard debit card. Your liability for unauthorized VISA use of your debit card transactions that are processed through a VISA or Plus network, as applicable, with the MasterCard logo will be not exceed zero dollars ($0.00)) if the following conditions have been met: (i) you have exercised reasonable care in safeguarding your card from risk of loss or theft; and (II) upon becoming aware of such loss or theft you promptly reported the loss or theft to us. HoweverIf the conditions set forth above have not been met, you may be liable for unauthorized transactions to the extent allowed under applicable law (for example, see for example the Liability for Unauthorized Transfers paragraph below) we may hold you liable for the entire amount of an unauthorized transaction if we find, based on substantial evidence, that you have been negligent or fraudulent in the handling of your deposit account or VISA debit card. For VISA Business Cards: An "unauthorized transaction" does not include any transaction allegedly conducted by (a) a business co-owner, (b) the cardholder or person authorized by the cardholder, or (c) any other person with an interest in or authority to transact business on the account). To notify us of lost or stolen cards, or of unauthorized transactions, call or write to us at the telephone number or address set forth in the Liability for Unauthorized Transfers paragraph below. This will help prevent unauthorized access to your account and minimize any inconvenience. Unless Currency Conversion. If you have been grossly negligent or have engaged effect a transaction with your debit card in fraudcurrency other than U.S. Dollars, you MasterCard will not be liable convert the charge into a U.S. Dollar amount. The MasterCard currency conversion procedure is based on rates observed in the wholesale market or, where applicable, on government-mandated rates. The currency conversion rate MasterCard generally uses is the rate for any unauthorized transactions using your lost or stolen VISA Debit Cardthe applicable currency that is in effect on the day the transaction occurred. This additional limit However, in limited situations, particularly where MasterCard transaction processing is being delayed, MasterCard may instead use the rate for the applicable currency in effect on liability does not apply to ATM transactions or to transactions using your personal identification number which are not processed by VISAthe day the transaction is processed. VISA MasterCard charges us an Issuer Foreign Transaction Fee regardless of whether there is a registered trademark currency conversion. A Foreign Transaction is a transaction processed through the Global Clearing Management System or the MasterCard Debit Switch in which the country of Visa in the United States and other countriesmerchant is different from the country of the cardholder.  MasterCard will charge you a Currency Conversion fee based on the criteria described above.  We may charge you Foreign Transaction Fee. The fee we charge you is disclosed separately. In addition to the limitations set forth above, the following limitations may be applicable to your accounts: Liability for Unauthorized Transfers. Tell us AT ONCE if you believe your card, ATM PIN, POS card or PIN, Audio Response PIN, or online Online and/or mobile banking PIN 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 of the money in your account (plus your maximum overdraft line of credit). If you tell us within two sixty (260) business days after you learn of the loss or theft of your card or codereceive a statement that shows any transfers that you did not make, you can lose no more than $50.00 if your card is lost or stolen and someone used your card 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, and we can prove that 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 $500.00. Also, if your statement shows transfers that you did not make, including those made by card code or other such means, tell us at once. If It you do not tell us within sixty (60) days after you received the statement was mailed to youstatement, you may not get back any money lost after the sixty (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 or a hospital stay) kept you from telling us, we will extend the time periods. If you believe that your card or code has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, permission call (000) 000-0000, or write us at Peoples Bank & Trust,000 X XxxxxxFIRST NATIONAL BANK OF MILACA, XxxxATTN: Resolution Dept. P.O. BOX 38, XX 00000MILACA, MN 56353. You should also call the number or write this address if you believe a transfer has been made using the information from your check without your permission. The above limitations do not apply to business accounts, unless otherwise required by law. You accept responsibility for implementing commercially reasonable security measures to safeguard your business account card, ATM PIN, or POS card or PIN, Audio Response PIN, or online and/or mobile banking PIN from unauthorized use. If you authorize employees, agents, or others to use your card or code, you shall by liable for transactions conducted by such additional users. You are responsible for promptly examining your statement each statement period and reporting any unauthorized transaction with in a reasonable time, not to exceed Sixty (60) calendar days after the statement is made available. If you believe that your card or code has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call (00) 000-0000.

Electronic Check Conversion. You may authorize a merchant or other payee to make a one-time electronic payment from your account using information from your check to pay for purchases or pay bills. Electronic check conversion is a payment process in which a merchant or other payee (after obtaining your authorization) uses your check to gather routing, account, and check number information to initiate a one-time electronic funds transfer (EFT). When information from your check is used to make an electronic fund funds transfer, funds may be withdrawn from your account as soon as the same day you make your payment. This type of EFT transaction involving a consumer account is covered by the Electronic Funds Transfer Act and this disclosure. 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 transaction, if debited as an EFT from a consumer account account, is covered by the Electronic Funds Transfer Act and this disclosure. When a merchant re-presents a check electronically, that transaction is not covered by the Electronic Funds Transfer Act or this disclosure. A description of the transaction will appear on your statement. Liability for Unauthorized VISA Debit Card Transactions. The following limitations may be applicable to your accounts, except as provided by law: Liability for Unauthorized MasterCard Debit Card Transaction: The zero liability limit described below only applies to debit cards that are a United States States- issued VISA Consumer Cards MasterCard branded debt card issued to : (i) a natural person, or VISA Business Cards for transactions processed through (ii) a VISA network or, for ATM transactions, business or other entity only if the card is issued under a Plus network“small business:” program described on MasterCard’s website at xxxx.xxxxxxxxxxxxxxxxxx.xxx. The zero liability limit described below does not apply to: if you are a business or an entity of any sort (acorporation, limited liability company, partnership, etc.) unless the card issued to you is a “small business” card described above. The zero liability limit described below does not apply until your identity is registered by or on behalf of the card issuer. Under MasterCard’s zero liability policy as described in the MasterCard Rules (as may be amended from time to time), the zero liability limitation described below may not apply for other types of VISA commercial debit cards that are not VISA Business Cards; (b) transactions using your personal identification number that are not processed through a VISA network; and (c) ATM transactions which are not sent over VISA or Plus networksreasons. Tell us AT ONCE if you believe your VISA MasterCard debit card has been lost or stolen or if you believe any unauthorized transactions have been made using your VISA MasterCard debit card. Your liability for unauthorized VISA use of your debit card transactions that are processed through a VISA or Plus network, as applicable, with the MasterCard logo will be not exceed zero dollars ($0.00)) if the following conditions have been met: (i) you have exercised reasonable care in safeguarding your card from risk of loss or theft; and (II) upon becoming aware of such loss or theft you promptly reported the loss or theft to us. HoweverIf the conditions set forth above have not been met, you may be liable for unauthorized transactions to the extent allowed under applicable law (for example, see for example the Liability for Unauthorized Transfers paragraph below) we may hold you liable for the entire amount of an unauthorized transaction if we find, based on substantial evidence, that you have been negligent or fraudulent in the handling of your deposit account or VISA debit card. For VISA Business Cards: An "unauthorized transaction" does not include any transaction allegedly conducted by (a) a business co-owner, (b) the cardholder or person authorized by the cardholder, or (c) any other person with an interest in or authority to transact business on the account). To notify us of lost or stolen cards, or of unauthorized transactions, call or write to us at the telephone number or address set forth in the Liability for Unauthorized Transfers paragraph below. This will help prevent unauthorized access to your account and minimize any inconvenience. Unless Currency Conversion. If you have been grossly negligent effect a transaction with your debit card in currency other than U.S. Dollars, MasterCard will convert the charge into a U.S. Dollar amount. The MasterCard currency conversion procedure includes use of either a government-mandated exchange rate, or have engaged a wholesale exchange rate selected by MasterCard. The exchange rate MasterCard uses will be a rate in fraud, you will not be liable for any unauthorized transactions using your lost or stolen VISA Debit Cardeffect on the day of the transaction is processed. This additional limit rate may differ from the rate in effect on liability does not apply the date of purchase or the date the transaction was posted to ATM transactions or to transactions using your personal identification number which are not processed by VISAaccount. VISA MasterCard charges us an Issuer Foreign Transaction Fee regardless of whether there is a registered trademark currency conversion. A Foreign Transaction is a transaction processed through the Global Clearing Management System or the MasterCard Debit Switch in which the country of Visa in the United States and other countriesmerchant is different from the country of the cardholder. • MasterCard will charge you a Currency Conversion fee based on one of the formulas above. • We charge you a Foreign Transaction Fee of 150 basis points (1.5% of the transaction). In addition to the limitations set forth above, the following limitations may be applicable to your accounts: Liability for Unauthorized Transfers. Tell us AT ONCE if you believe your card, ATM PIN, POS card or PIN, Audio Response PIN, or online Online and/or mobile banking PIN 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 of the money in your account (plus your maximum overdraft line of credit). If you tell us within two sixty (260) business days after you learn of the loss or theft of your card or codereceive a statement that shows any transfers that you did not make, you can lose no more than $50.00 if your card is lost or stolen and someone used your card 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, and we can prove that 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 $500.00. Also, if your statement shows transfers that you did not make, including those made by card code or other such means, tell us at once. If It you do not tell us within sixty (60) days after you received the statement was mailed to youstatement, you may not get back any money lost after the sixty (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 or a hospital stay) kept you from telling us, we will extend the time periods. If you believe that your card or code has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, permission call (000) 000-0000, or write us at Peoples Bank & Trust,000 X XxxxxxFIRST NATIONAL BANK OF MILACA, XxxxATTN: Resolution Dept. P.O. BOX 38, XX 00000MILACA, MN 56353. You should also call the number or write this address if you believe a transfer has been made using the information from your check without your permission.

Electronic Check Conversion. You may authorize a merchant or other payee to make a one-time electronic payment from your account using information from your check to pay for purchases or pay bills. Electronic check conversion is a payment process in which a merchant or other payee (after obtaining your authorization) uses your check to gather routing, account, and check number information to initiate a one-time EFT. When information from your check is used to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day you make your payment. This type of EFT transaction involving a consumer account is covered by the Electronic Funds Transfer Act and this disclosure. 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 Electronic Funds Transfer Act and this disclosure. When a merchant re-presents a check electronically, that transaction is not covered by the Electronic Funds Transfer Act or this disclosure. A description of the transaction will appear on your statement. Liability for Unauthorized VISA Debit Card Transactions. The following limitations may be applicable to your accounts, except as provided by law: Liability for Unauthorized MasterCard Debit Card Transactions on Cards Issued to Certain Consumers and Small Businesses. The zero liability limit described below only applies to a United States-issued MasterCard branded debit cards that are United States card issued VISA Consumer Cards to: (i) a natural person, or VISA Business Cards for transactions processed through (ii) a VISA network or, for ATM transactions, business or other entity only if the card is issued under a Plus network"small business" program described on MasterCard's website at xxx.xxxxxxxxxxxxxxxxxx.xxx. The zero liability limit described below does not apply to: if you are a business or an entity of any sort (acorporation, limited liability company, partnership, etc.) unless the card issued to you is a "small business" card described above. The zero liability limit described below does not apply until your identity is registered by or on behalf of the card issuer. Under MasterCard's zero liability policy as described in the MasterCard Rules (as may be amended from time to time), the zero liability limitation described below may not apply for other types of VISA commercial debit cards that are not VISA Business Cards; (b) transactions using your personal identification number that are not processed through a VISA network; and (c) ATM transactions which are not sent over VISA or Plus networksreasons. Tell us AT ONCE if you believe your VISA MasterCard debit card has been lost or stolen or if you believe any unauthorized transactions have been made using your VISA MasterCard debit card. Your liability for unauthorized VISA use of your debit card transactions that are processed through a VISA or Plus network, as applicable, with the MasterCard logo will be not exceed zero dollars ($0.00)) if the following conditions have been met: (i) you have exercised reasonable care in safeguarding your card from risk of loss or theft; and (ii) upon becoming aware of such loss or theft you promptly reported the loss or theft to us. HoweverIf the conditions set forth above have not been met, you may be liable for unauthorized transactions to the extent allowed under applicable law (for example, see for example the Liability for Unauthorized Transfers paragraph below) we may hold you liable for the entire amount of an unauthorized transaction if we find, based on substantial evidence, that you have been negligent or fraudulent in the handling of your deposit account or VISA debit card. For VISA Business Cards: An "unauthorized transaction" does not include any transaction allegedly conducted by (a) a business co-owner, (b) the cardholder or person authorized by the cardholder, or (c) any other person with an interest in or authority to transact business on the account). To notify us of lost or stolen cards, or of unauthorized transactions, call or write to us at the telephone number or address set forth in the Liability for Unauthorized Transfers paragraph below. This will help prevent unauthorized access to your account and minimize any inconvenience. Unless you have been grossly negligent or have engaged in fraud, you will not be liable for any unauthorized transactions using your lost or stolen VISA Debit Card. This additional limit on liability does not apply to ATM transactions or to transactions using your personal identification number which are not processed by VISA. VISA MasterCard is a registered trademark of Visa MasterCard Worldwide or its subsidiaries in the United States and other countriesStates. In addition to the limitations set forth above, the following limitations may be applicable to your consumer accounts: Liability for Unauthorized Transfers. Tell us AT ONCE if you believe your card, ATM PIN, POS card or PIN, or online and/or mobile banking PIN 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). If you 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 $50.00 if someone used your card 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, and we can prove that 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 $500.00. Also, if your statement shows transfers that you did not make, including those made by card code or other such means, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may not get back any money lost after the sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If you believe that your card or code has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call (000) 000-0000, or write us at Peoples Bank & Trust,000 X Continental Bank,15 Xxxx Xxxxx Xxxxxx, Xxxxx 000, Xxxx Xxxx Xxxx, XX 00000. You should also call the number or write this address if you believe a transfer has been made using the information from your check without your permission. The above limitations do not apply to business accounts, unless otherwise required by law. You accept responsibility for implementing commercially reasonable security measures to safeguard your business account card, ATM PIN, or POS card or PIN, Audio Response PIN, or online and/or mobile banking PIN from unauthorized use. If you authorize employees, agents, or others to use your card or code, you shall be liable for transactions conducted by such additional users. You are responsible for promptly examining your statement each statement period and reporting any unauthorized transaction within a reasonable time, not to exceed Sixty (60) calendar days after the statement is made available. If you believe that your card or code has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call (000) 000-0000.

Electronic Check Conversion. You Some Point-of Purchase terminals may authorize a merchant or other payee to make provide you the option of initiating a one-time electronic payment automatic debit from your Account by authorizing the merchant to obtain the necessary information from a check drawn on your Deposit Account. A check used in this way is treated as an EFT and is not a negotiable instrument in its own right. The check cannot be subsequently used and should be voided. ATM Transfers: Types of transfers and dollar limitations – You may access your Account(s) by ATM using your MasterCard Business Debit card and personal identification number (PIN) to: • Get cash withdrawals from Checking, Statement Savings and Money Market Accounts – the standard daily limit for cash withdrawals is the available balance in your Account up to your card’s predetermined authorized daily limit; • Transfer funds between Checking, Statement Savings and Money Market Accounts linked to your card; • Get information about the Account(s) balances for your Checking, Statement Savings, and/or Money Market Account(s) linked to your card; • Charge point of sale purchases to your Checking Account. Note: Some of these services may not be available at all terminals. MasterCard Business Debit Card Transactions: Types of transactions and dollar limitations – You may access your Checking Account through the MasterCard network using your MasterCard Business Debit Card to: • Purchase goods or pay for services; • Get cash from a merchant, if the merchant permits, or from a participating financial institution. Your standard daily limits are the available balance in your Checking Account up to your card’s predetermined authorized daily limit. These transactions will be automatically deducted from your Checking Account. You may use your MasterCard Business Debit Card at any location that accepts MasterCard. YOU ARE RESPONSIBLE FOR RESOLVING ALL DISPUTES CONCERNING THE PURCHASE OF GOODS OR SERVICES WITH THE MERCHANT WHO ACCEPTED THE CARD. Holds: When you use your card to make a purchase from a merchant, and the merchant seeks authorization for the transaction, we may place a hold on your Account for the amount of the transaction. Authorization requests for certain merchants may include an amount in excess of the transaction amount (e.g., for gratuity at restaurants or additional services at hotels), in which case we will place a hold on the authorized amount, though your account will only be debited for the actual transaction amount. This hold will be removed from your account using information upon the sooner to occur of: 1) when the actual transaction amount is debited from your check to pay for purchases account; or pay bills. Electronic check conversion is a payment process in which a merchant or other payee (after obtaining your authorization) uses your check to gather routing, account, and check number information to initiate a one-time EFT. When information from your check is used to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day you make your payment. This type of EFT transaction involving a consumer account is covered by the Electronic Funds Transfer Act and this disclosure. 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 Electronic Funds Transfer Act and this disclosure. When a merchant re-presents a check electronically, that transaction is not covered by the Electronic Funds Transfer Act or this disclosure. A description of the transaction will appear on your statement. Liability for Unauthorized VISA Debit Card Transactions. The following limitations may be applicable to your accounts, except as provided by law: The zero liability limit described below only applies to debit cards that are United States issued VISA Consumer Cards or VISA Business Cards for transactions processed through a VISA network or, for ATM transactions, a Plus network. The zero liability limit described below does not apply to: (a) other types of VISA commercial debit cards that are not VISA Business Cards; (b) transactions using your personal identification number that are not processed through a VISA network; and (c) ATM transactions which are not sent over VISA or Plus networks. Tell us AT ONCE if you believe your VISA debit card has been lost or stolen or if you believe any unauthorized transactions have been made using your VISA debit card. Your liability for unauthorized VISA debit card transactions that are processed through a VISA or Plus network, as applicable, will be zero dollars ($0.00). However, to the extent allowed under applicable law (see for example the Liability for Unauthorized Transfers paragraph below) we may hold you liable for the entire amount of an unauthorized transaction if we find, based on substantial evidence, that you have been negligent or fraudulent in the handling of your deposit account or VISA debit card. For VISA Business Cards: An "unauthorized transaction" does not include any transaction allegedly conducted by (a2) a business co-owner, time period of approximately three days after the authorization. Minimum Account Balance: We do not require you to maintain a minimum balance in any Account as a condition of using an access device (b) the cardholder or person authorized by the cardholder, or (c) any other person with an interest in or authority to transact business on the account. To notify us of lost or stolen cards, or of unauthorized transactions, call or write to us at the telephone number or address set forth in the Liability for Unauthorized Transfers paragraph below. This will help prevent unauthorized access to your account and minimize any inconvenience. Unless you have been grossly negligent or have engaged in fraud, you will not be liable for any unauthorized transactions using your lost or stolen VISA Debit Card. This additional limit on liability does not apply to ATM transactions or to transactions using your personal identification number which are not processed by VISA. VISA is a registered trademark of Visa in the United States and other countries. In addition to the limitations set forth above, the following limitations may be applicable to your accounts: Liability for Unauthorized Transfers. Tell us AT ONCE if you believe your card, ATM PIN, POS card or PIN, ) to perform a transaction. Charges for Electronic Funds Transfers A fee will be imposed for each transaction you conduct at an ATM that we do not own or online and/or mobile banking PIN 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 operate (plus your maximum overdraft line of creditplease see Fee Schedule). If you tell us within two (2) business days after you learn of the loss Such transactions are referred to as “foreign” ATM transactions. There will be no fees assessed when using an ATM owned or theft of your card operated by Brookline Bank or code, you can lose no more than $50.00 if someone used your card 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, and we can prove that 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 $500.00. Also, if your statement shows transfers that you did not make, including those made by card code or other such means, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may not get back any money lost after the sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If you believe that your card or code has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call (000) 000-0000, or write us at Peoples Bank & Trust,000 X Xxxxxx, Xxxx, XX 00000. You should also call the number or write this address if you believe a transfer has been made using the information from your check without your permissionRhode Island.