Common use of Liability Disclosure Clause in Contracts

Liability Disclosure. (a) Tell us AT ONCE if you believe your Card or your PINs have been lost or stolen or if you believe there have been unauthorized transfers to or from your account 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.) Subject to limitations in paragraph 3(b), below, if you tell us within two business days after you learn of the loss or theft of your Card or your PINs, you can lose no more than $50.00 if someone used your Card or your PINs without your permission. But, if you do NOT tell us within two business days after you learn of the loss or theft of your Card or your PINs and we can prove we could have stopped someone from using your Card or your PINs 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, PIN or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had 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. (b) Additional Limit on Liability for Visa® Check Card. Unless you have been negligent or have engaged in fraud, you will not be liable for any unauthorized transactions using your lost or stolen Visa® Check Card. This additional limit on liability does not apply to ATM transactions outside of the U.S., to ATM transactions not sent over Visa or Plus Networks, or to transactions using your Personal Identification Number which are not processed by Visa®. Visa is a registered trademark of Visa International Service Association. (c) Your liability for unauthorized transactions made using your Card is further limited, and any applicable conditions to these limitations on your liability for unauthorized transactions using your Card are, as follows: If a loss is reported on a PIN transaction within 60 days after the statement was mailed.

Liability Disclosure. (a) Tell us AT ONCE if you believe your Card or your PINs have been lost or stolen or if you believe there have been unauthorized transfers to or from your account 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.) Subject to limitations in paragraph 3(b), below, if you tell us within two business days after you learn of the loss or theft of your Card or your PINs, you can lose no more than $$ _50.00 _ if someone used your Card or your PINs without your permission. But, if you do NOT tell us within two business days after you learn of the loss or theft of your Card or your PINs and we can prove we could have stopped someone from using your Card or your PINs without your permission if you had told us, you could lose as much as $500.00_500.00 . Also, if your statement shows transfers that you did not make, including those made by Card, PIN or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had 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. (b) Additional Limit on Liability for Visa® Check Card. Unless you have been negligent or have engaged in fraud, you will not be liable for any unauthorized transactions using your lost or stolen Visa® Check Card. This additional limit on liability does not apply to ATM transactions outside of the U.S., to ATM transactions not sent over Visa or Plus Networks, or to transactions using your Personal Identification Number which are not processed by Visa®. Visa is a registered trademark of Visa International Service Association. (c) Your liability for unauthorized transactions made using your Card is further limited, and any applicable conditions to these limitations on your liability for unauthorized transactions using your Card areCard, are as follows: If a loss is reported on a PIN transaction within 60 days after the statement was mailed.N/A

Liability Disclosure. (a) Tell us AT ONCE if If you believe your Card Log-in ID, Password or SAC or your PINs have CEFCU-accessible Smart Phone has been lost or stolen or if you believe there have been unauthorized transfers to or from your account stolen, or if you believe that someone has transferred or may transfer money from your CEFCU account without your permission, or if you believe 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 downpermission, call us immediately at 309.633.7000 or ▇.▇▇▇.▇▇▇.▇▇▇▇. You could lose all of the money in your account (plus your maximum overdraft line of credit.) Subject to limitations in paragraph 3(b)may also write us at CEFCU, belowPost Office Box 1715, if you tell us within two business days after you learn of the Peoria, Illinois 61656-1715. You will have no loss or theft of your Card or your PINs, you can lose no more than $50.00 if someone used your Card Login ID, Password or SAC to access CEFCU My Pay or your PINs CEFCU-accessible Smart Phone to access CEFCU My Pay without your permission. ButHowever, if you do NOT tell us within two business days after you learn of the loss or theft of your Card or your PINs and we can prove we could have stopped someone from using your Card or your PINs without your permission if you had told us, you could lose as much as $500.00there may be one exception. Also, if If your statement shows transfers that you did not make, including those made by Card, PIN or other means, tell us at once. If you do not tell us within 60 sixty (60) days after the statement was mailed or transmitted to you, you may not get back any money you lost after the 60 sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (reason, such as a long trip or a hospital stay) , kept you from telling us, we will extend the time periods. (b) Additional Limit . If more than one person is authorized by you to use your Login ID, Password or SAC or your CEFCU- accessible Smart Phone and Login ID or Password to access CEFCU My Pay to initiate My Pay Transfers with respect to an account maintained in the names of more than one Member, and one of such persons initiates a My Pay Transfer which causes loss to CEFCU which that person does not reimburse to CEFCU, CEFCU may debit any other account maintained with CEFCU by that person or by any other person named as a Member on that account for the purpose of reimbursing CEFCU that unreimbursed loss. To the extent this Liability for Visa® Check Card. Unless you have been negligent or have engaged in fraud, you will not be liable for any unauthorized transactions using your lost or stolen Visa® Check CardDisclosure is inconsistent with the provisions of Items 18 and 19 of this Agreement. This additional limit on liability does not apply to ATM transactions outside of the U.S.disclosure governs your liability. Telephone us at ▇▇▇.▇▇▇.▇▇▇▇ or ▇.▇▇▇.▇▇▇.▇▇▇▇ or write us at CEFCU, to ATM transactions not sent over Visa or Plus NetworksPost Office Box 1715, or to transactions using your Personal Identification Number which are not processed by Visa®. Visa is a registered trademark of Visa International Service Association. (c) Your liability for unauthorized transactions made using your Card is further limitedPeoria, and any applicable conditions to these limitations on your liability for unauthorized transactions using your Card areIllinois 61656-1715, as follows: If soon as you can if you think your statement, receipt or confirmation is wrong or if you need more information about a loss is reported transfer listed on a PIN transaction within 60 the statement, receipt or confirmation. We must hear from you no later than sixty (60) days after we mailed or transmitted the FIRST statement was mailedon which the problem or error appeared.

Liability Disclosure. (a) You are responsible for all EFT transactions you authorize. If you permit someone else to use an EFT service, your MasterCard Debit Card or your PIN, you are responsible for any transactions they authorize or conduct on any of your accounts. In order to maintain secure communications and reduce fraud, you agree to protect the security of your numbers, codes, marks, signs, passwords, or other means of identification. We reserve the right to block access to the services to maintain or restore security to GTE Financial and our systems; if we reasonably believe your access codes have been or may be obtained or are being used or may be used by an unauthorized person(s). Tell us AT ONCE if you believe your Card or your PINs have card has been lost or stolen or if you believe there have been unauthorized transfers to someone has used your card or from PIN or otherwise accessed your account or if you believe that an electronic fund transfer has been made accounts without your permission using information from your checkauthority. 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.) Subject to limitations in paragraph 3(b). If a transaction was made with your card or card number without your permission, below, if your liability for an unauthorized transaction is determined as follows. If you tell us within two business days after you learn of the loss or theft of your Card or your PINscard, you can lose no more than $50.00 50 if someone used your Card or your PINs card without your permission. But, if If you do NOT tell us within the two business days after you learn of the loss or theft of your Card or your PINs and we can prove we could have stopped someone from using your Card or your PINs card without your permission if you had told us, you could lose as much as $500.00500. Also, if your statement shows transfers that you did not make, including those made by Card, PIN or other means, tell us at onceAT ONCE. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking making the money transfers 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. (b) Additional Limit on Liability for Visa® Check Card. Unless you have believe your card has been negligent or have engaged in fraud, you will not be liable for any unauthorized transactions using your lost or stolen Visa® Check Cardor that someone has transferred or may transfer money from your account without permission, call ▇▇▇.▇▇▇.▇▇▇▇ or 1.888.871.2690 ext. This additional limit on liability does not apply to ATM transactions 40401 outside of the U.S.Hillsborough County. You can also write GTE Financial, to ATM transactions not sent over Visa or Plus NetworksP. O. Box 172599, or to transactions using your Personal Identification Number which are not processed by Visa®. Visa is a registered trademark of Visa International Service AssociationTampa, Florida, 33672-0599. (c) Your liability for unauthorized transactions made using your Card is further limited, and any applicable conditions to these limitations on your liability for unauthorized transactions using your Card are, as follows: If a loss is reported on a PIN transaction within 60 days after the statement was mailed.