Common use of Liability for Unauthorized Access Clause in Contracts

Liability for Unauthorized Access. You are responsible for all transfers you authorize under this Agreement. If you permit other persons to use the Online Home Banking service or your personal identification information, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell us at once if you believe anyone has used your personal identification information or accessed your accounts through Online Home Banking without your authorization. Telephoning is the best way of keeping your possible losses down. If you tell us within two (2) business days, you can lose no more than fifty dollars ($50.00) if someone accesses your accounts without your permission. If you do not tell us within two (2) business days after you learn of the unauthorized use of your account or personal identification information, and we can prove that we could have stopped someone from accessing your account without your permission if you had told us, you could lose as much as five hundred dollars ($500.00). In any event your liability for unauthorized line of credit transactions through Online Home Banking is fifty dollars ($50.00). Also, if your statement shows Online Home Banking transfers that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may not get back any money lost after the sixty days (60) if we can prove that we could have stopped someone from making the transfers if you had told us in time. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periods. If you believe that someone has used your personal identification information or has transferred or may transfer money from your account without your permission, call the Credit Union at: 372-8776 or 800-844-8776 during business hours or write the Credit Union at: Bar-Cons Federal Credit Union ▇▇▇▇ ▇ ▇▇▇▇ ▇▇ Columbus IN 47201 Our business days are Monday through Friday. Holidays are not included. There are certain charges for Online Home Banking services as set forth on the Credit Union’s Fee Schedule. From time to time, the charges may be changed. We will notify you of any changes as required by law. If you request a transfer or check withdrawal from your line of credit account, such transactions may be subject to charges under the terms and conditions of your loan agreement. The Online Home Banking service is free to members. Transfers, withdrawals, and ▇▇▇▇ payments transacted through Online Home Banking will be recorded on your periodic statement. You will receive a statement monthly unless there is no transaction in a particular month. In any case, you will receive a statement at least quarterly. We will disclose information to third parties about your account or the transfers you make:

Liability for Unauthorized Access. You are responsible for all transfers and ▇▇▇▇ payments you authorize under this Agreement. If you permit other persons to use the Online Home Banking service or your personal identification informationaccess credentials, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell us at once if you believe anyone has used your personal identification information or accessed your accounts through Online Home Banking without your authorization. Telephoning is the The best way of keeping to mitigate your possible potential losses downis to contact us immediately by phone at ▇▇▇-▇▇▇-▇▇▇▇ during regular business hours or 800-445-4483 during or after regular business hours. You may also contact us in-person at any branch during regular business hours or by writing to SELCO community Credit Union, ▇.▇. ▇▇▇ ▇▇▇▇, ▇▇▇▇▇▇▇▇▇▇▇, ▇▇▇▇▇▇ ▇▇▇▇▇-▇▇▇▇ (we request that you call us as well). If you tell notify us within two (2) business daysdays after learning of the loss or theft of your access credentials or any unauthorized use of your account(s) through Online Banking, you can cannot lose no more than fifty dollars ($50.00) if someone accesses your accounts without your permission). If you do not tell fail to notify us within two (2) business days after you learn of the loss or theft of your access credentials or any unauthorized use of your account or personal identification informationaccount(s) through Online Banking, and we can prove that we could have stopped someone from accessing your account without your permission if you had told us, you could lose as much as five hundred dollars ($500.00). In any event your liability for unauthorized line of credit transactions through Online Home Banking is fifty dollars ($50.00). Also, if your statement shows Online Home Banking transfers that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may not get back any money lost after the sixty days (60) if we can prove that we could have stopped someone from making the transfers if you had told us in time. If a good reason (such as a hospital stay) kept you from telling us, we will SELCO may extend the time periods. If you believe that someone has used your personal identification information or has transferred or may transfer money from your account without your permission, call the Credit Union at: 372-8776 or 800-844-8776 during business hours or write the Credit Union at: Bar-Cons Federal Credit Union ▇▇▇▇ ▇ ▇▇▇▇ ▇▇ Columbus IN 47201 Our business days are Monday through Friday. Holidays are not included. There are certain charges for Online Home Banking services as set forth on the Credit Union’s Fee Schedule. From time to time, the charges may be changed. We will notify you of any changes as required by law. If you request a transfer or check withdrawal from your line of credit account, such transactions may be subject to charges under the terms and conditions of your loan agreement. The Online Home Banking service is free to members. Transfers, withdrawals, and ▇▇▇▇ payments transacted through Online Home Banking will be recorded on your periodic statement. You will receive a statement monthly unless there is no transaction in a particular month. In any case, you will receive a statement at least quarterly. We will disclose information to third parties about your account or the transfers you make:.

Liability for Unauthorized Access. You are responsible for all transfers and bill payments you authorize under this Agreement. If you permit other persons to use the Online Home Banking service Money Manager Service or your personal identification informationUsername and Password, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell us at once AT ONCE if you believe anyone has used your personal identification information Username or Password or accessed your accounts through Online Home Banking Money Manager without your authorization. This also applies if you believe your Password has been lost or stolen. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within two (2) business daysdays after you learn of the loss or theft, you can lose no more than fifty dollars (the lesser of $50.00) 50 or the amount of unauthorized EFTs that occur if someone accesses used your accounts Password without your permission. If Also, if you do not NOT tell us within two (2) business days after you learn of the unauthorized use loss or theft of your account or personal identification informationPassword, and we can prove that we could have stopped someone from accessing using your account Password without your permission if you had told us, you could lose as much as five hundred dollars ($500.00). In any event your liability for unauthorized line of credit transactions through Online Home Banking is fifty dollars ($50.00)500. Also, if your statement shows Online Home Banking transfers that you did not make, 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 days (60) if we can prove that we could have stopped someone from making taking the transfers money if you had told us in time. If a good reason (such as a long trip or hospital stay) kept you from telling us, we will extend the time periodsperiod. If you believe that someone has used your personal identification information or has transferred or may transfer money from your account without your permission, call the Credit Union at: 372us at (▇▇▇) ▇▇▇-8776 or 800-844-8776 during business hours or write the Credit Union at: Bar-Cons Federal Credit Union ▇▇▇▇ ▇ ▇▇▇▇ ▇▇ Columbus IN 47201 Our business days are Monday through Fridayor write us at United Community Bank, P.O. Box 167, Milford, IA 51351-0167. Holidays are not included. There are certain charges for Online Home Banking services In case of errors or questions about your electronic transfers, call or write us at the telephone number or address listed above in this disclosure, as set forth soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the Credit Union’s Fee Schedule. From time to time, the charges may be changedstatement or receipt. We will notify must hear from you of any changes as required by law. If you request a transfer no later than 60 days after we sent the FIRST statement on which the problem or check withdrawal from your line of credit account, such transactions may be subject to charges under the terms and conditions of your loan agreement. The Online Home Banking service is free to members. Transfers, withdrawals, and ▇▇▇▇ payments transacted through Online Home Banking will be recorded on your periodic statement. You will receive a statement monthly unless there is no transaction in a particular month. In any case, you will receive a statement at least quarterly. We will disclose information to third parties about your account or the transfers you make:error appeared.

Liability for Unauthorized Access. You are responsible for all transfers and bill payments you authorize under this Agreement. If you permit other persons to use the Online South Metro Federal Credit Union Home Banking service Service or your personal identification informationAccess Code, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell us at once if you believe anyone has used your personal identification information access code or accessed your accounts through Online South Metro Federal Credit Union Home Banking Service without your authorization. Telephoning is the best way of keeping your possible losses down. If you tell us within two (2) business days, you can lose no not more than fifty dollars ($50.00) if someone accesses your accounts without your permission. If you do not tell us within two (2) business days after you learn of the unauthorized use of your account or personal identification informationAccess Code, and we can prove that we could have stopped someone from accessing your account without your permission if you had told us, you could lose as much as five hundred dollars ($500.00). In any event your liability for unauthorized line of credit transactions through Online South Metro Federal Credit Union Home Banking Service is fifty dollars ($50.00). Also, if your statement shows Online South Metro Federal Credit Union Home Banking Service transfers that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may not get back any money lost after the sixty days (60) if we can prove that we could have stopped someone from making the transfers if you had told us in time. If a good reason (such as a hospital stay) kept you from telling us, we will may extend the time periods. If you believe that unauthorized access has occurred or someone has used your personal identification information Access Code or has transferred or may transfer money from your account without your permission, call the Credit Union SMFCU at: 372▇▇▇-8776 ▇▇▇-▇▇▇▇ or 800E-844-8776 during business hours mail us at: ▇▇▇▇▇▇▇▇▇▇▇▇▇@▇▇▇▇▇▇▇▇.▇▇▇ or write the Credit Union SMFCU at: Bar-Cons South Metro Federal Credit Union ▇▇▇▇ ▇ ▇▇▇▇▇▇ ▇▇▇▇▇ Columbus IN 47201 ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇▇, ▇▇ ▇▇▇▇▇ BUSINESS DAYS - Our business days are Monday through Friday, excluding Federal holidays. Holidays are not included. FEES AND CHARGES - There are certain charges for Online South Metro Federal Credit Union Home Banking services Service as set forth on the Credit Union’s SMFCU's Fee Schedule. From time to time, the charges may be changed. We will notify you of any changes as required by law. If you request a transfer or check withdrawal from your line of credit account, such transactions may be subject to charges under the terms and conditions of your loan agreement. The Online Home Banking service is free to members. PERIODIC STATEMENTS - Transfers, withdrawals, and ▇▇▇▇ bill payments transacted through Online South Metro Federal Credit Union Home Banking Service will be recorded on your periodic statement. You will receive a statement monthly unless there is no transaction in a particular month. In any case, you will receive a statement at least quarterly. Additionally, through South Metro Federal Credit Union Home Banking Service, you can view all your share savings and checking transaction activity at any time. ACCOUNT INFORMATION DISCLOSURE - We will disclose information to third parties about your account or the transfers you make:: As necessary to complete transfers and bill payments. To verify the existence of sufficient funds to cover specific transactions upon the request of a payee or a third party, such as a credit bureau or merchant. To comply with government agency or court orders. If you give us your written permission.

Liability for Unauthorized Access. You are responsible for all transfers and ▇▇▇▇ payments you authorize under this Agreement. If you permit other persons to use the Online Home Banking service Financial Services or your personal identification informationaccess code, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell us at once if you believe anyone has used your personal identification information access code or accessed your accounts through Online Home Banking Financial Services without your authorization. Telephoning us at (▇▇▇) ▇▇▇-▇▇▇▇ is the best way of keeping your possible losses down. If you tell us within two (2) business days, you can lose no not more than fifty dollars ($50.00) if someone accesses your accounts without your permission. If you do not tell us within two (2) business days after you learn of the unauthorized use of your account or personal identification informationaccess code, and we can prove that we could have stopped someone from accessing your account without your permission if you had told us, you could lose as much as five hundred dollars ($500.00). In any event your liability for unauthorized line of credit transactions through Online Home Banking Financial Services is fifty dollars ($50.00). Also, if your statement shows Online Home Banking Financial Service transfers that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may not get back any money lost after the sixty days (60) days if we can prove that we could have stopped someone from making the transfers if you had told us in time. If a good reason reason, (such as i.e. a hospital stay) kept you from telling us, we will extend the time periods. If you believe that someone has used your personal identification information access code or has transferred or may transfer money from your account without your permission, call the Credit Union at: 372-8776 or 800-844-8776 during business hours or write the Credit Union at: Bar-Cons Federal Credit Union ▇▇▇▇ ▇ ▇▇▇▇ ▇▇ Columbus IN 47201 Our business days are Monday through FridayUnion. Holidays are not included. There are certain charges for Online Home Banking services as set forth on the Credit Union’s Fee Schedule. From time • As necessary to time, the charges may be changed. We will notify you of any changes as required by law. If you request a transfer or check withdrawal from your line of credit account, such transactions may be subject to charges under the terms and conditions of your loan agreement. The Online Home Banking service is free to members. Transfers, withdrawals, complete transfers and ▇▇▇▇ payments transacted through Online Home Banking will be recorded on your periodic statementpayments. You will receive • To verify the existence of sufficient funds to cover specific transactions upon the request of a statement monthly unless there is no transaction in payee or a particular monththird party, such as a credit bureau or merchant. In any case, • To comply with government agency or court orders. • If you will receive a statement at least quarterly. We will disclose information to third parties about your account or the transfers you make:give us written permission.

Liability for Unauthorized Access. You are responsible for all transfers you authorize under this Agreement. If you permit other persons to use the Online Home Banking service or your personal identification informationpassword, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell us at once if you believe anyone has used your personal identification information password or accessed your accounts through Online Home Banking without your authorization. Telephoning is the best way of keeping your possible losses down. If you tell us within two (2) business days, you can lose no not more than fifty dollars ($50.00) if someone accesses your accounts without your permission. If you do not tell us within two (2) business days after you learn of the unauthorized use of your account or personal identification informationpassword, and we can prove that we could have stopped someone from accessing your account without your permission if you had told us, you could lose as much as five hundred dollars ($500.00). In any event your liability for unauthorized line of credit transactions through Online Home Banking is fifty dollars ($50.00). Also, if your statement shows Online Home Banking transfers that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may not get back any money lost after the sixty days (60) if we can prove that we could have stopped someone from making the transfers if you had told us in time. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periods. If you believe that someone has used your personal identification information password or has transferred or may transfer money from your account without your permission, call the Credit Union at: 372(▇▇▇)▇▇▇-8776 or 800-844-8776 during business hours or write the Credit Union at: Bar-Cons Federal Credit Union ▇▇▇▇ ▇ ▇▇▇▇ ▇▇ Columbus IN 47201 Our business days are Monday through Friday. Holidays are not included. There are certain charges for Online Home Banking services as set forth on the Credit Union’s 's Fee Schedule. From time to time, the charges may be changed. We will notify you of any changes as required by law. If you request a transfer or check withdrawal from your line of credit account, such transactions may be subject to charges under the terms and conditions of your loan agreement. The Online Home Banking service is free to members. Transfers, withdrawals, and ▇▇▇▇ payments transacted through Online Home Banking will be recorded on your periodic statement. You will receive a statement monthly unless there is no transaction in a particular month. In any case, you will receive a statement at least quarterly. We will disclose information to third parties about your account or the transfers you make:: • To verify the existence of sufficient funds to cover specific transactions upon the request of a payee or a third party, such as a credit bureau or merchant. • To comply with government agency or court orders. • If you give us your written permission.

Liability for Unauthorized Access. You are responsible for all transfers you authorize under this Agreement. If you permit other persons to use the Online Home Banking service or your personal identification informationPIN, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell us at once if you believe anyone has used your personal identification information PIN or accessed your accounts through Online Home Banking without your authorization. Telephoning is the best way of keeping your possible losses down. If you tell us within two (2) business days, you can lose no not more than fifty dollars ($50.00) if someone accesses your accounts without your permission. If you do not tell us within two (2) business days after you learn of the unauthorized use of your account or personal identification informationPIN, and we can prove that we could have stopped someone from accessing your account without your permission if you had told us, you could lose as much as five hundred dollars ($500.00). In any event your liability for unauthorized line of credit transactions through Online Home Banking is fifty dollars ($50.00). Also, if your statement shows Online Home Banking transfers that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may not get back any money lost after the sixty days (60) if we can prove that we could have stopped someone from making the transfers if you had told us in time. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periods. If you believe that someone has used your personal identification information PIN or has transferred or may transfer money from your account without your permission, call the Credit Union at: 372• (▇▇▇) ▇▇▇-8776 ▇▇▇▇, Ext. 1 or 800• ▇▇▇-844▇▇▇-8776 ▇▇▇▇, Ext., during business hours or hours. • Or write the Credit Union at: Bar-Cons Federal First Florida Credit Union ▇▇▇ ▇▇▇▇ ▇ ▇▇▇▇▇▇▇▇▇▇▇▇, ▇▇▇▇▇▇▇ ▇▇▇▇▇ Columbus IN 47201 Street Our business days are Monday through Friday. Holidays are not included. There are certain charges for Online Home Banking services as set forth on the Credit Union’s 's Fee Schedule. From time to time, the charges may be changed. We will notify you of any changes as required by law. If you request a transfer or check withdrawal from your line of credit account, such transactions may be subject to charges under the terms and conditions of your loan agreement. The Online Home Banking service is free to members. Transfers, withdrawals, and ▇▇▇▇ bill payments transacted through Online Home Banking will be recorded on your periodic statement. You will receive a statement monthly unless there is no transaction in a particular month. In any case, you will receive a statement at least quarterly. We will disclose information to third parties about your account or the transfers you make:: • To verify the existence of sufficient funds to cover specific transactions upon the request of a payee or a third party, such as a credit bureau or merchant. • To comply with government agency or court orders. • If you give us your written permission.

Liability for Unauthorized Access. You are responsible for all transfers you authorize under this Agreement. If you permit other persons to use the Online Home Banking service or your personal identification informationpassword, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell us at once if you believe anyone has used your personal identification information password or accessed your accounts through Online Home Banking without your authorization. Telephoning is the best way of keeping your possible losses down. If you tell us within two (2) business days, you can lose no not more than fifty dollars ($50.00) if someone accesses your accounts without your permission. If you do not tell us within two (2) business days after you learn of the unauthorized use of your account or personal identification informationpassword, and we can prove that we could have stopped someone from accessing your account without your permission if you had told us, you could lose as much as five hundred dollars ($500.00). In any event your liability for unauthorized line of credit transactions through Online Home Banking is fifty dollars ($50.00). Also, if your statement shows Online Home Banking transfers that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may not get back any money lost after the sixty days (60) if we can prove that we could have stopped someone from making the transfers if you had told us in time. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periods. If you believe that someone has used your personal identification information password or has transferred or may transfer money from your account without your permission, call the Credit Union at: 372(▇▇▇)▇▇▇-8776 or 800-844-8776 during business hours or write the Credit Union at: Bar-Cons Federal Credit Union ▇▇▇▇ ▇ ▇▇▇▇ ▇▇ Columbus IN 47201 Our business days are Monday through Friday. Holidays are not included. There are certain charges for Online Home Banking services as set forth on the Credit Union’s 's Fee Schedule. From time to time, the charges may be changed. We will notify you of any changes as required by law. If you request a transfer or check withdrawal from your line of credit account, such transactions may be subject to charges under the terms and conditions of your loan agreement. The Online Home Banking service is free to members. Transfers, withdrawals, and ▇▇▇▇ bill payments transacted through Online Home Banking will be recorded on your periodic statement. You will receive a statement monthly unless there is no transaction in a particular month. In any case, you will receive a statement at least quarterly. We will disclose information to third parties about your account or the transfers you make:: • To verify the existence of sufficient funds to cover specific transactions upon the request of a payee or a third party, such as a credit bureau or merchant. • To comply with government agency or court orders. • If you give us your written permission. ▇▇▇.▇▇▇▇▇▇▇▇.▇▇▇ ▇▇▇-▇▇▇-▇▇▇▇

Liability for Unauthorized Access. You are responsible for all transfers and online ▇▇▇▇ payments you authorize authorized under this Agreement. First Resource Bank undertakes no obligation to monitor transactions through INTERNET BANKING which use valid passwords to determine that they are made on your behalf. If you permit other persons to use the Online Home Banking service INTERNET BANKING or your personal identification informationpassword, you are responsible for any transactions they authorize or conduct on any of your accountsAccounts and such persons will be deemed to be your authorized user. However, tell us at once if you believe anyone has used your personal identification information password or accessed your accounts Accounts through Online Home Banking INTERNET BANKING without your authorization. Telephoning Such notification will include all customer names and account numbers that were accessed, method of access (if known), notifications to law enforcement agencies, estimated damage, actions taken since breach was detected and planned future actions. Immediately changing your password and telephoning is the best way of keeping your possible losses down. If you tell a non-commercial customer tells us within two (2) business days, you such non- commercial customer can lose no not more than fifty dollars ($50.00) if someone accesses your accounts such non-commercial customer’s Account(s) without your permission. If you do a non-commercial customer does not tell us within two (2) business days after you learn such non-commercial customer learns of the unauthorized use of your account the Account or personal identification informationpassword, and we can prove that we could have stopped someone from accessing your account such non-commercial customer’s Account without your permission if you such non-commercial customer had told us, you such non-commercial customer could lose as much as five hundred dollars ($500.00). In any event your liability for unauthorized line of credit transactions through Online Home Banking is fifty dollars DISCLAIMER OF WARRANTY AND LIMITATION OF LIABILITY: WE MAKE NO WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING ANY IMPLIED WARRANTY OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, IN CONNECTION WITH INTERNET BANKING PROVIDED TO YOU UNDER THIS AGREEMENT. WE DO NOT AND CANNOT WARRANT THAT INTERNET BANKING WILL OPERATE WITHOUT ERRORS, OR THAT ANY OR ALL INTERNET BANKING WILL BE AVAILABLE AND OPERATIONAL AT ALL TIMES. EXCEPT AS SPECIFICALLY PROVIDED IN THIS AGREEMENT, OR OTHERWISE REQUIRED BY LAW, YOU AGREE THAT OUR OFFICERS, DIRECTORS, EMPLOYEES, AGENTS OR CONTRACTORS ARE NOT LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES UNDER OR BY REASON OF ANY SERVICES OR PRODUCTS PROVIDED UNDER THIS AGREEMENT OR BY REASON OF YOUR USE OF OR ACCESS TO INTERNET BANKING, INCLUDING LOSS OF PROFITS, REVENUE, DATA OR USE BY YOU OR ANY THIRD PARTY, WHETHER IN AN ACTION IN CONTRACT, TORT, WARRANTY OR ANY OTHER LEGAL THEORY. OTHER THAN RESULTING FROM FIRST RESOURCE BANK’S GROSS NEGLIGENCE OR WILLFUL MISCONDUCT, FIRST RESOURCE BANK WILL NOT BE LIABLE FOR ANY DAMAGE THAT YOU MAY SUFFER ARISING OUT OF THE USE OF, OR INABILITY TO USE, THE SERVICES OR PRODUCTS PROVIDED HEREUNDER. FIRST RESOURCE BANK WILL NOT BE LIABLE FOR UNAUTHORIZED ACCESS TO FIRST RESOURCE BANK’S TRANSMISSION FACILITIES OR PREMISE EQUIPMENT OR FOR UNAUTHORIZED ACCESS TO OR ALTERATION, THEFT OR DESTRUCTION OF YOUR DATA FILES, PROGRAMS, PROCEDURES OR INFORMATION THROUGH ACCIDENT, FRAUDULENT MEANS OR DEVICES, OR ANY OTHER METHOD, REGARDLESS OF WHETHER SUCH DAMAGE OCCURS AS A RESULT OF FIRST RESOURCE BANK’S GROSS NEGLIGENCE OR WILLFUL MISCONDUCT. IN NO EVENT SHALL THE LIABILITY OF FIRST RESOURCE BANK AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, CONTRACTORS AND AFFILIATES EXCEED THE GREATER OF (I) AMOUNTS PAID BY YOU FOR THE SERVICES PROVIDED TO YOU THROUGH INTERNET BANKING OR (II) $50.00)100. AlsoTHIS LIMITATION OF LIABILITY MAY NOT BE EFFECTIVE IN SOME STATES AND SHALL BE DEEMED AMENDED AS NECESSARY TO COMPLY WITH FEDERAL OR STATE LAW, if your statement shows Online Home Banking transfers that you did not makeAS APPLICABLE. IN NO EVENT SHALL FIRST RESOURCE BANK, tell us at onceITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS OR CONTRACTORS BE LIABLE TO YOU FOR ANY LOSSES OR DAMAGES OTHER THAN THE AMOUNT (OR AS OTHERWISE) DESCRIBED ABOVE. If you do not tell us within sixty (60) days after the statement was mailed to youALL OTHER DAMAGES, you may not get back any money lost after the sixty days (60) if we can prove that we could have stopped someone from making the transfers if you had told us in timeDIRECT OR INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE, RESULTING FROM ANY USE OF OUR WEBSITE OR MATERIALS ARE EXCLUDED EVEN IF FIRST RESOURCE BANK, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS OR CONTRACTORS HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periodsBusiness Days. If you believe that someone has used your personal identification information or has transferred or may transfer money from your account without your permission, call the Credit Union at: 372-8776 or 800-844-8776 during business hours or write the Credit Union at: Bar-Cons Federal Credit Union ▇▇▇▇ ▇ ▇▇▇▇ ▇▇ Columbus IN 47201 Our business days "Business Days" are generally Monday through Friday. Holidays are not includedincluded as Business Days. There are certain charges Stop-Payment Requests. You acknowledge that the stop payment feature of INTERNET BANKING is an alternate entry system for Online Home Banking services as set forth on the Credit Union’s Fee Schedule. From time to time, the charges may be changed. We will notify issuing stop payment orders between you of any changes as required by lawand First Resource Bank. If an immediate response is required, you should execute the stop payment request a transfer or check withdrawal from your line of credit account, such transactions may be subject by speaking to charges under the terms and conditions of your loan agreement. The Online Home Banking service is free to members. Transfers, withdrawals, and company personnel by phone (▇▇▇) ▇▇▇-▇▇▇▇ payments transacted through Online Home Banking will be recorded or in person. This feature applies only to the stop payment of paper checks you have written (non- electronically) on your periodic statementAccounts (not paper checks generated by the Online ▇▇▇▇ Payment service). You will receive a statement monthly unless there is no transaction in a particular month. In any caseWhen using INTERNET BANKING to stop payments, you will receive should follow the onscreen instructions. Prior to requesting a statement at least quarterlystop payment, you must first verify that the item has not already been posted to your Account. We will disclose information If a stopped item has already been paid prior to third parties about your account entry of the request or you do not provide us reasonable time to act, then we shall not be liable for any loss incurred by you arising from the transfers you make:event.

Liability for Unauthorized Access. You are responsible for all transfers and ▇▇▇▇ payments you authorize under this Agreement. If you permit other persons to use the Online Home Banking service or your personal identification informationaccess credentials, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell us at once if you believe anyone has used your personal identification information or accessed your accounts through Online Home Banking without your authorization. Telephoning is the The best way of keeping to mitigate your possible potential losses downis to contact us immediately by phone at ▇▇▇-▇▇▇-▇▇▇▇ during regular business hours or ▇▇▇-▇▇▇-▇▇▇▇ during or after regular business hours. You may also contact us in-person at any branch during regular business hours or by writing to SELCO community Credit Union, ▇.▇. ▇▇▇ ▇▇▇▇, ▇▇▇▇▇▇▇▇▇▇▇, ▇▇▇▇▇▇ ▇▇▇▇▇-▇▇▇▇ (we request that you call us as well). If you tell notify us within two (2) business daysdays after learning of the loss or theft of your access credentials or any unauthorized use of your account(s) through Online Banking, you can cannot lose no more than fifty dollars ($50.00) if someone accesses your accounts without your permission). If you do not tell fail to notify us within two (2) business days after you learn of the loss or theft of your access credentials or any unauthorized use of your account or personal identification informationaccount(s) through Online Banking, and we can prove that we could have stopped someone from accessing your account without your permission if you had told us, you could lose as much as five hundred dollars ($500.00). In any event your liability for unauthorized line of credit transactions through Online Home Banking is fifty dollars ($50.00). Also, if your statement shows Online Home Banking transfers that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may not get back any money lost after the sixty days (60) if we can prove that we could have stopped someone from making the transfers if you had told us in time. If a good reason (such as a hospital stay) kept you from telling us, we will SELCO may extend the time periods. If you believe that someone has used your personal identification information or has transferred or may transfer money from your account without your permission, call the Credit Union at: 372-8776 or 800-844-8776 during business hours or write the Credit Union at: Bar-Cons Federal Credit Union ▇▇▇▇ ▇ ▇▇▇▇ ▇▇ Columbus IN 47201 Our business days are Monday through Friday. Holidays are not included. There are certain charges for Online Home Banking services as set forth on the Credit Union’s Fee Schedule. From time to time, the charges may be changed. We will notify you of any changes as required by law. If you request a transfer or check withdrawal from your line of credit account, such transactions may be subject to charges under the terms and conditions of your loan agreement. The Online Home Banking service is free to members. Transfers, withdrawals, and ▇▇▇▇ payments transacted through Online Home Banking will be recorded on your periodic statement. You will receive a statement monthly unless there is no transaction in a particular month. In any case, you will receive a statement at least quarterly. We will disclose information to third parties about your account or the transfers you make:.

Liability for Unauthorized Access. You are responsible for all transfers you authorize under this Agreement. If you permit other persons to use the Online Home Banking service or your personal identification informationpassword, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell contact us at once if you believe anyone has used your personal identification information password or accessed your accounts through Online Home Banking without your authorization. Telephoning Contacting us by telephone is the best way of keeping to minimize your possible losses downlosses. If you tell contact us within two (2) business daysdays of someone accessing your accounts without your permission, you can lose no more than will only be liable for up to fifty dollars ($50.00) if someone accesses your accounts without your permission. of any losses.. If you do not tell contact us within two (2) business days after you learn of the unauthorized use of your account or personal identification informationPIN, and we can prove that we could have stopped someone from accessing your account without your permission if you had told us, you could lose as much as be liable for up to five hundred dollars ($500.00). In any event your Your liability for unauthorized line of credit transactions through Online Home Banking is fifty dollars ($50.00). Also, if If your statement shows Online Home Banking transfers that you did not make, tell please contact us at onceimmediately. If you do not tell contact us within sixty (60) days after the statement was mailed to you, you may not get back be able to recover any money lost after the sixty days (60) of your losses if we can prove that we could have stopped someone from making the transfers if you had told contacted us in timea timely manner. If a good reason (such as a hospital stay) kept you from telling us, we will We may extend the time periodsnotification timeframe if there are extenuating circumstances. If you believe that someone has used your personal identification information or has transferred or may transfer money from your account without your permission, call the Credit Union at: 372-8776 or 800-844-8776 330.724.9391 during regular business hours or write the Credit Union atwrite: Bar-Cons Federal Goodyear Employees Credit Union ▇▇▇ ▇▇ ▇ ▇▇▇▇ ▇▇ Columbus IN 47201 ▇▇. Akron, Ohio 44306 Our business days are Monday through Friday. Saturday, Sunday and Federal Holidays are not included. There are certain charges for Online Home Banking services as set forth on the Credit Union’s Fee Schedule. From time to time, the charges may be changed. We will notify you of any changes as required by law. If you request a transfer or check withdrawal from your line of credit account, such transactions may be subject to charges under the terms and conditions of your loan agreement. The Online Home Banking service is free to membersconsidered business days. Transfers, withdrawals, and ▇▇▇▇ payments transacted through Online Home Banking will be recorded on your periodic statement. You If you do not sign up for free electronic statements there will receive be a statement monthly unless there is no transaction in a particular month. In any case, you will receive a statement at least quarterlycharge for paper statements. We will disclose information to third parties about your account or the transfers you make:: • When it is necessary to complete transfers or transactions, or to send notice of dishonor or non- payment. • To our accountants. • To credit union examiners. • To exchange, in the regular course of business credit information, with other financial institutions or commercial enterprises directly or through credit reporting agencies. • To furnish information to the appropriate law enforcement authorities when we have reason to believe we have been the victim of a crime. • To comply with government agencies, court orders, or to furnish information required by law. • To furnish information about existence of an account for judgment by a creditor of yours who has made a written request for such information. • When we are attempting to collect an obligation owed to us unless otherwise prohibited by law.

Liability for Unauthorized Access. You are responsible for all transfers you You authorize under this Agreement. If you You permit other persons to use the Online Home Digital Banking service or your personal identification informationYour User ID and Password, you You are responsible for any transactions they authorize or conduct on any of your Your accounts. However, tell us at once AT ONCE if you You believe anyone has used your personal identification information Your User ID and Password or accessed your Your accounts through Online Home Digital Banking without your Your authorization. Telephoning Calling Us is the best way of keeping your Your possible losses downto a minimum. You could lose all of the money in Your account (plus Your maximum overdraft line of credit, if applicable). If you You tell us Us within two (2) 2 business daysdays after You learn of the loss or theft of Your User ID and Password, you You can lose no more than fifty dollars ($50.00) 50.00 if someone accesses your Your accounts without your Your permission. If you You do not NOT tell us within two (2) 2 business days after you You learn of the unauthorized use loss or theft of your account or personal identification informationYour User ID and Password, and we We can prove that we We could have stopped someone from accessing your Your account without your Your permission if you You had told us, you You could lose as much as five hundred dollars ($500.00). In any event your liability for unauthorized line of credit transactions through Online Home Banking is fifty dollars ($50.00)500. Also, if your Your periodic statement shows Online Home Banking transfers that you You did not make, tell us Us at once. If you You do not tell us Us within sixty (60) 60 days after the statement was mailed delivered to youYou, you may not get back any money You lost after the sixty 60 days (60) if we We can prove that we We could have stopped someone from making taking the transfers money if you You had told us Us in time. If a good reason (such as a long trip or hospital stay) kept you You from telling usUs, we will We may extend the time periods. If you You believe Your accounts have been accessed without Your permission or that someone has used your personal identification information or has transferred or may transfer money from your Your account without your permission, call the Credit Union atYour permission contact us immediately. Email: 372-8776 or 800-844-8776 during business hours or write the Credit Union at: Bar-Cons Federal Credit Union ▇▇▇▇ ▇ ▇▇▇▇ ▇▇ Columbus IN 47201 Our business days are Monday through Friday. Holidays are not included. There are certain charges for Online Home Banking services as set forth on the Credit Union’s Fee Schedule. From time to time, the charges may be changed. We will notify you of any changes as required by law. If you request a transfer or check withdrawal from your line of credit account, such transactions may be subject to charges under the terms and conditions of your loan agreement. The Online Home Banking service is free to members. Transfers, withdrawals, and ▇▇▇▇▇▇▇▇@▇▇▇▇▇▇▇▇.▇▇▇ payments transacted through Online Home Banking will be recorded on your periodic statementOr visit one of our branches. You will receive Every day is a statement monthly unless there is no transaction in a particular month. In any casebusiness day except Saturdays, you will receive a statement at least quarterly. We will disclose information to third parties about your account or the transfers you make:Sundays, Federal and other credit union observed holidays.

Liability for Unauthorized Access. You are responsible for all transfers you authorize under this Agreement. If you permit other persons to use the Online Home Banking service or your personal identification information, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell us at once if you believe anyone has used your personal identification information or accessed your accounts through Online Home Banking without your authorization. Telephoning is the best way of keeping your possible losses down. If you tell us within two (2) business days, you can lose no more than fifty dollars ($50.00) if someone accesses your accounts without your permission. If you do not tell us within two (2) business days after you learn of the unauthorized use of your account or personal identification information, and we can prove that we could have stopped someone from accessing your account without your permission if you had told us, you could lose as much as five hundred dollars ($500.00). In any event your liability for unauthorized line of credit transactions through Online Home Banking is fifty dollars ($50.00). Also, if your statement shows Online Home Banking transfers that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may not get back any money lost after the sixty days (60) if we can prove that we could have stopped someone from making the transfers if you had told us in time. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periods. If you believe that someone has used your personal identification information or has transferred or may transfer money from your account without your permission, call the Credit Union at: 372-8776 or 800-844-8776 during business hours or Or write the Credit Union at: Bar-Cons Federal Credit Union ▇▇▇▇ ▇ ▇▇▇▇ ▇▇ Columbus IN 47201 Our business days are Monday through Friday. Holidays are not included. There are certain charges for Online Home Banking services as set forth on the Credit Union’s Fee Schedule. From time to time, the charges may be changed. We will notify you of any changes as required by law. If you request a transfer or check withdrawal from your line of credit account, such transactions may be subject to charges under the terms and conditions of your loan agreement. The Online Home Banking service is free to members. Transfers, withdrawals, and ▇▇▇▇ bill payments transacted through Online Home Banking will be recorded on your periodic statement. You will receive a statement monthly unless there is no transaction in a particular month. In any case, you will receive a statement at least quarterly. Member who are opting to enroll in e- notices and e-statements, will not receive paper form of these communications. If you require and printed paper statement, one can be obtained by calling the office. We will disclose information to third parties about your account or the transfers you make:

Liability for Unauthorized Access. You are responsible for all transfers and bill pays you authorize under this Agreement. If you permit other persons to use the your Online Home Banking service password or other means to access your personal identification informationaccount, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell us at once if you believe anyone has used your personal identification information Username and/or Password or accessed your accounts through Online Home Banking without your authorization. Telephoning is the best way of keeping If someone accesses your possible losses down. If account and completes one or more transfers from your account without your authorization, if you tell us within two (2) business daysdays after your learn of the unauthorized use, you can lose no not more than fifty dollars ($50.00) if someone accesses your accounts without your permission). If you do not tell us within two (2) business days after you learn of the unauthorized use of your account or personal identification informationaccount, and we can prove that we could have stopped someone from accessing your account and completing transfers without your permission if you had told us, you could lose as much as five hundred dollars ($500.00). In any event your liability for unauthorized line of credit transactions through Online Home Banking is fifty dollars ($50.00). Also, if your statement shows Online Home Banking transfers that you did not make, tell us at once. If you identify unauthorized transfers on your account statement, but you do not tell us within sixty (60) days after the statement (on which the first transfer appears) was mailed to you, you may not get back any money lost after the sixty days (60) days, if we can prove that we could have stopped someone from making the transfers if you had told us in time. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periods. If you believe that someone has used your personal identification information Password or has transferred or may transfer money from your account without your permissionauthorization, call the Credit Union at: 372(▇▇▇) ▇▇▇-8776 or 800-844-8776 during business hours or write the Credit Union at: Bar-Cons Federal Credit Union ▇▇▇▇ ▇ ▇▇▇▇ ▇▇ Columbus or toll free 888-855-MYCU (6928) or write us at: IU Credit Union PO Box 368 Bloomington, IN 47201 Our business days are Monday through Friday. Holidays are not included. There are certain charges for Online Home Banking services as set forth on the Credit Union’s Fee Schedule. From time to time, the charges may be changed. We will notify you of any changes as required by law. If you request a transfer or check withdrawal from your line of credit account, such transactions may be subject to charges under the terms and conditions of your loan agreement. The Online Home Banking service is free to members. Transfers, withdrawals, and ▇▇▇▇ payments transacted through Online Home Banking will be recorded on your periodic statement. You will receive a statement monthly unless there is no transaction in a particular month. In any case, you will receive a statement at least quarterly. We will disclose information to third parties about your account or the transfers you make:47402-0368

Liability for Unauthorized Access. You are responsible for all transfers you authorize under this Agreement. If you permit other persons to use the Online Home Banking service or your personal identification informationpassword, you are responsible for any transactions they authorize or conduct on any of your accounts. accounts (i.e. checking, shares , Visa, loans, etc.) However, tell us at once if you believe anyone has used your personal identification information password or accessed your accounts through Online Home Banking without your authorizationauthorization . Telephoning is the best way of keeping your possible losses down. Contact Valley Strong Credit Union at (▇▇▇) ▇▇▇-▇▇▇▇ / (▇▇▇) ▇▇▇-▇▇▇▇. If someone accesses your accounts or gains access to your user name and password without your permission, and you tell notify us within two (2) business days, you can lose no more than fifty dollars ($50.00) if someone accesses your accounts without your permission50). If you do not tell However, failure to notify us within two (2) business days after you learn of the learning of unauthorized use of your account or personal identification informationpassword may result in a loss of up to five hundred dollars ($500), and if we can prove that we could have stopped someone from accessing your account without your permission if you had told us, you could lose as much as five hundred dollars ($500.00)permission. In any event your liability for unauthorized line of credit transactions through Online Home Banking is fifty dollars ($50.0050.). Also, if your statement shows Online Home Banking transfers that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may not get back any money lost after the sixty days (60) if we can prove that we could have stopped someone from making the transfers if you had told us in time. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periods. If you believe that someone has used your personal identification information password or has transferred or may transfer money from your account without your permission, call the Credit Union us immediately at: 372(▇▇▇) ▇▇▇-8776 or 800-844-8776 during business hours or write the Credit Union at: Bar-Cons Federal Credit Union ▇▇▇▇ ▇ / (▇▇▇▇ ) ▇▇ Columbus IN 47201 ▇▇-▇▇▇▇. Or write us at: Valley Strong Credit Union P. 0. Box 9506 Bakersfield, CA 93389-9506 Business Days: Our business days are Monday through Friday. , between 9:00 a.m. and 5:00 p.m. Holidays are not included. Fees and Charges: There are certain charges for some Online Home Banking services as set forth on the Credit Union’s our Rate and Fee Schedule. From time to time, the charges may be changed. We will notify you of any changes as required by law. If you request a transfer or check withdrawal from your account or line of credit account, such transactions may be subject to charges under the terms and conditions of your loan agreement. The Online Home Banking service is free to members. Transfers, withdrawals, and ▇▇▇▇ payments transacted through Online Home Banking will be recorded on your periodic statement. You will receive a statement monthly unless there is no transaction in a particular month. In any case, you will receive a statement at least quarterly. We will disclose information to third parties about your account or the transfers you make:.

Liability for Unauthorized Access. You are responsible for all transfers you authorize under this Agreement. If you permit other persons to use the Online Home Banking service or your personal identification informationpassword, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell contact us at once if you believe anyone has used your personal identification information password or accessed your accounts through Online Home Banking without your authorization. Telephoning Contacting us by telephone is the best way of keeping to minimize your possible losses downlosses. If you tell contact us within two (2) business daysdays of someone accessing your accounts without your permission, you can lose no more than will only be liable for up to fifty dollars ($50.00) if someone accesses your accounts without your permission. of any losses.. If you do not tell contact us within two (2) business days after you learn of the unauthorized use of your account or personal identification informationPIN, and we can prove that we could have stopped someone from accessing your account without your permission if you had told us, you could lose as much as be liable for up to five hundred dollars ($500.00). In any event your Your liability for unauthorized line of credit transactions through Online Home Banking is fifty dollars ($50.00). Also, if If your statement shows Online Home Banking transfers that you did not make, tell please contact us at onceimmediately. If you do not tell contact us within sixty (60) days after the statement was mailed to you, you may not get back be able to recover any money lost after the sixty days (60) of your losses if we can prove that we could have stopped someone from making the transfers if you had told contacted us in timea timely manner. If a good reason (such as a hospital stay) kept you from telling us, we will We may extend the time periodsnotification timeframe if there are extenuating circumstances. If you believe that someone has used your personal identification information PIN or has transferred or may transfer money from your account without your permission, call the Credit Union at: 372-8776 888.436.1847 during regular business hours, email at ▇▇▇▇▇▇▇▇▇▇▇▇▇▇@▇▇▇▇.▇▇▇, or 800-844-8776 during business hours or write the Credit Union atwrite: Bar-Cons Federal Northeast Credit Union ▇▇ ▇▇▇ ▇ ▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇, ▇▇ Columbus IN 47201 ▇▇▇▇▇. Our business days are Monday through Friday. Saturday, Sunday and Federal Holidays are not includedconsidered business days. There are certain charges for Online Home Banking services as set forth on the Credit Union’s 's Fee Schedule. From time Fees and charges are subject to time, the charges may be changedchange. We will notify you of any changes as required by law. If you request a transfer or check withdrawal from your line of credit account, such transactions may be subject to charges under the terms and conditions of your loan agreement. The Online Home Banking service is free to members. Transfers, withdrawals, and ▇▇▇▇ payments transacted through Online Home Banking will be recorded on your periodic statement. You will receive a statement monthly unless there is no transaction in a particular monthmonthly. In any case, you will receive a statement at least quarterlyYou may also sign up for free electronic statements. We will disclose information to third parties about your account or the transfers you make:: • When it is necessary to complete transfers or transactions, or to send notice of dishonor or non-payment. • To our accountants. • To credit union examiners. • To exchange, in the regular course of business credit information, with other financial institutions or commercial enterprises directly or through credit reporting agencies. • To furnish information to the appropriate law enforcement authorities when we have reason to believe we have been the victim of a crime. • To comply with government agencies, court orders, or to furnish information required by law. • To furnish information about existence of an account for judgment by a creditor of yours who has made a written request for such information. • When we are attempting to collect an obligation owed to us unless otherwise prohibited by law.

Liability for Unauthorized Access. You are responsible for all transfers transactions you authorize using ▇▇▇▇ Pay under this Agreement. If you permit other persons to use the Online Home Banking service or your personal identification informationpassword, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell us at once if you believe anyone has used your personal identification information or password and accessed your accounts through Online Home Banking without your authorization. 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 applicable). If you tell us within two (2) business days, you can lose no more than fifty dollars ($50.00) 50 if someone accesses accessed your accounts account without your permission. If you do not NOT tell us within with two (2) business days after you learn of the unauthorized use of your account or personal identification informationpassword, and we can prove that we could have stopped someone from accessing your account without your permission if you had told us, you could lose as much as five hundred dollars ($500.00)500. In any event your liability for unauthorized line of credit transactions through Online Home Banking is fifty dollars ($50.00). Also, if If your statement shows Online Home Banking transfers ▇▇▇▇ Payment transactions that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to youyou or was available to you online if you have requested Electronic Statements, you may not get back any money you lost after the sixty 60 days (60) if we can prove that we could have stopped someone from making taking the transfers money if you had told us in time. If a good reason (such as a hospital stay) kept you from telling us, we will may extend the time periods. If you believe your password has been lost or stolen or that someone has used your personal identification information or has transferred or may transfer money from your account without your permission, call : o Call (▇▇▇) ▇▇▇-▇▇▇▇ during normal business hours o Contact us electronically at ▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇@▇▇▇▇▇▇▇▇▇▇.▇▇▇ (email messages received during normal business hours will be handled the same day. All other email messages will be handled the next business day.) o Write to the Credit Union at: 372-8776 or 800-844-8776 during business hours or write the Credit Union at: Bar-Cons Federal Ventura County Credit Union ▇▇ ▇▇▇ ▇ ▇▇▇▇ ▇▇▇▇▇▇▇, ▇▇ Columbus IN 47201 Our business days are Monday ▇▇▇▇▇-▇▇▇▇ • Security of Password. Access to ▇▇▇▇ Pay is obtained through Friday. Holidays are not included. There are certain charges for Online Home Banking services as set forth on the Credit Union’s Fee ScheduleOnline Banking. From time Your password is confidential and should not be disclosed to time, the charges may be changedthird parties or recorded. We will notify You are responsible for safekeeping your password. You agree not to disclose or otherwise make your password available to anyone not authorized by you of any changes as required by lawto sign on your accounts. If you request a transfer authorize anyone to have or check withdrawal from use your line of credit accountpassword, such transactions you understand that person may be subject to charges under the terms and conditions of your loan agreement. The Online Home Banking service is free to members. Transfers, withdrawals, and use ▇▇▇▇ payments transacted through Online Home Banking Pay to review your account information and make account transactions. Therefore, we are entitled to act on transaction instructions received using your password and you agree that the use of your password will have the same effect as your signature authorizing transactions. If you authorize anyone to use your access code in any manner that authority will be recorded on considered unlimited in amount and manner until you specifically revoke such authority by notifying the Credit Union and changing your periodic statementpassword immediately. You are responsible for any transactions made by such persons until you notify us that transactions and access by that person are no longer authorized and your password is changed. If you fail to maintain or change the security of these passwords and the Credit Union suffers a loss, we may terminate your ▇▇▇▇ Pay immediately. • Fees. Currently there are no fees to use ▇▇▇▇ Pay to make payments. The Credit Union reserves the right to charge and/or change fees for this service in the future. You will receive a statement monthly unless there is no transaction in a particular month. In any case, you will receive a statement at least quarterly. We will disclose information twenty-one (21) days prior notice before we begin to third parties about your account or the transfers you make:charge and/or change a fee for using this service.

Liability for Unauthorized Access. You are responsible for all transfers you authorize under this Agreement. If you permit other persons to use the Online Home Banking service or your personal identification informationpassword, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell contact us at once if you believe anyone has used your personal identification information password or accessed your accounts through Online Home Banking without your authorization. Telephoning Contacting us by telephone is the best way of keeping to minimize your possible losses downlosses. If you tell contact us within two (2) business daysdays of someone accessing your accounts without your permission, you can lose no more than will only be liable for up to fifty dollars ($50.00) if someone accesses your accounts without your permission. of any losses.. If you do not tell contact us within two (2) business days after you learn of the unauthorized use of your account or personal identification informationPIN, and we can prove that we could have stopped someone from accessing your account without your permission if you had told us, you could lose as much as be liable for up to five hundred dollars ($500.00). In any event your Your liability for unauthorized line of credit transactions through Online Home Banking is fifty dollars ($50.00). Also, if If your statement shows Online Home Banking transfers that you did not make, tell please contact us at onceimmediately. If you do not tell contact us within sixty (60) days after the statement was mailed to you, you may not get back be able to recover any money lost after the sixty days (60) of your losses if we can prove that we could have stopped someone from making the transfers if you had told contacted us in timea timely manner. If a good reason (such as a hospital stay) kept you from telling us, we will We may extend the time periodsnotification timeframe if there are extenuating circumstances. If you believe that someone has used your personal identification information or has transferred or may transfer money from your account without your permission, call the Credit Union at: 372-8776 330.724.9391 during regular business hours, or 800-844-8776 during business hours or write the Credit Union atwrite: Bar-Cons Federal Goodyear Employees Credit Union ▇▇▇ ▇▇ ▇ ▇▇▇▇ ▇▇ Columbus IN 47201 ▇▇. Akron, Ohio 44306 Our business days are Monday through Friday. Saturday, Sunday and Federal Holidays are not includedconsidered business days. There are certain charges for Online Home Banking services as set forth on the Credit Union’s 's Fee Schedule. From time Fees and charges are subject to time, the charges may be changedchange. We will notify you of any changes as required by law. If you request a transfer or check withdrawal from your line of credit account, such transactions may be subject to charges under the terms and conditions of your loan agreement. The Online Home Banking service is free to members. Transfers, withdrawals, and ▇▇▇▇ payments transacted through Online Home Banking will be recorded on your periodic statement. You If you do not sign up for free electronic statements there will receive be a statement monthly unless there is no transaction in a particular month. In any case, you will receive a statement at least quarterlycharge for paper statements. We will disclose information to third parties about your account or the transfers you make:: • When it is necessary to complete transfers or transactions, or to send notice of dishonor or non- payment. • To our accountants. • To credit union examiners. • To exchange, in the regular course of business credit information, with other financial institutions or commercial enterprises directly or through credit reporting agencies. • To furnish information to the appropriate law enforcement authorities when we have reason to believe we have been the victim of a crime. • To comply with government agencies, court orders, or to furnish information required by law. • To furnish information about existence of an account for judgment by a creditor of yours who has made a written request for such information. • When we are attempting to collect an obligation owed to us unless otherwise prohibited by law.

Liability for Unauthorized Access. You are liable for all transfers made via your passwords that you authorize or allow. If you permit someone else to use your password(s), 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, password(s), or other means of identification. We reserve the right to block access to the services to maintain or restore security to your Banking Services and our systems if we reasonably believe your password(s) has been or may be obtained or are being used or may be used by an unauthorized person(s). You will bear the liability or the risk of any error or loss of data, information, transactions or other losses which may be due to the failure of your computer system or third-party communications provider on which you may rely. If your statement shows transfers that you did not make, tell us AT ONCE by calling 260.490.8328 or 800.825.3641 during normal business hours or write: ▇.▇. ▇▇▇ ▇▇▇▇, ▇▇▇▇ ▇▇▇▇▇, Indiana, 46801. You should also call this number or write to this address if you believe a transfer has been made using the information from your account without your permission. You are responsible for all transfers you authorize under this Agreement. If you permit other persons to use the Online Home Banking service Services or your personal identification informationaccess code, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell us at once if you believe anyone has used your personal identification information access code or accessed your accounts through Online Home Banking Services without your authorization. Telephoning is the best way of keeping your possible losses down. If you tell us within two (2) business days, you can lose no not more than fifty dollars ($50.00) 50 if someone accesses your accounts without your permission. If you do not tell us within two (2) business days after you learn of the unauthorized use of your account or personal identification informationaccess code, and we can prove that we could have stopped someone from accessing your account without your permission if you had told us, you could lose as much as five hundred dollars ($500.00). In any event your liability for unauthorized line of credit transactions through Online Home Banking is fifty dollars ($50.00)500. Also, if your statement shows Online Home Banking Services transfers that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may not get back any money lost after the sixty days (60) if we can prove that we could have stopped someone from making the transfers if you had told us in time. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periods. If you believe that someone has used your personal identification information access code or has transferred or may transfer money from your account without your permission, call the Credit Union at: 372-8776 3Rivers at ▇▇▇.▇▇▇.▇▇▇▇ or 800-844-8776 800.825.3641 during normal business hours or write the Credit Union atto: Bar-Cons Federal Credit Union ▇.▇. ▇▇▇ ▇▇▇▇ ▇ ▇, ▇▇▇▇ ▇▇ Columbus IN 47201 Our business days are Monday through Friday. Holidays are not included. There are certain charges for Online Home Banking services as set forth on the Credit Union’s Fee Schedule. From time to time, the charges may be changed. We will notify you of any changes as required by law. If you request a transfer or check withdrawal from your line of credit account, such transactions may be subject to charges under the terms and conditions of your loan agreement. The Online Home Banking service is free to members. Transfers, withdrawals, and ▇▇▇▇ payments transacted through Online Home Banking will be recorded on your periodic statement. You will receive a statement monthly unless there is no transaction in a particular month. In any case▇, you will receive a statement at least quarterly. We will disclose information to third parties about your account or the transfers you make:Indiana, 46801.

Liability for Unauthorized Access. You are responsible for all transfers you authorize under this Agreement. If you permit other persons to use the Online Home Banking service or your personal identification information, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell us at once if you believe anyone has used your personal identification information or accessed your accounts through Online Home Banking without your authorization. Telephoning is the best way of keeping your possible losses down. If you tell us within two (2) business days, you can lose no more than fifty dollars ($50.00) if someone accesses your accounts without your permission. If you do not tell us within two (2) business days after you learn of the unauthorized use of your account or personal identification information, and we can prove that we could have stopped someone from accessing your account without your permission if you had told us, you could lose as much as five hundred dollars ($500.00). In any event your liability for unauthorized line of credit transactions through Online Home Banking is fifty dollars ($50.00). Also, if your statement shows Online Home Banking transfers that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may not get back any money lost after the sixty days (60) if we can prove that we could have stopped someone from making the transfers if you had told us in time. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periods. If you believe that someone has used your personal identification information or has transferred or may transfer money from your account without your permission, call the Credit Union at: 372-8776 or 800▇▇▇-844▇▇▇-8776 ▇▇▇▇ during business hours or write the Credit Union at: Bar-Cons Federal Credit Union ▇▇▇▇ ▇ ▇▇▇▇ ▇▇ Columbus IN 47201 Our business days are Monday through Friday. Holidays are not included. There are certain charges for Online Home Banking services as set forth on the Credit Union’s Fee Schedule. From time to time, the charges may be changed. We will notify you of any changes as required by law. If you request a transfer or check withdrawal from your line of credit account, such transactions may be subject to charges under the terms and conditions of your loan agreement. The Online Home Banking service is free to members. Transfers, withdrawals, and ▇▇▇▇ bill payments transacted through Online Home Banking will be recorded on your periodic statement. You will receive a statement monthly unless there is no transaction in a particular month. In any case, you will receive a statement at least quarterly. We will disclose information to third parties about your account or the transfers you make: