Common use of Liability for Unauthorized Transfers Clause in Contracts

Liability for Unauthorized Transfers. Tell us AT ONCE if you believe your debit card or security credentials have been lost or stolen, 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 down. If you do not notify us promptly, you could lose all the money in your account plus your maximum amount available through your participation in our Overdraft Transfer Service, if any. If you tell us within 2 business days after learning of the loss or theft of your debit card or security credentials, you can lose no more than $50 for unauthorized transactions if someone uses your debit card or security credentials to access your account without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft or your debit card or security credentials, and we can prove we could have stopped someone from accessing your account without your permission if you had told us, you could lose as much as $500. We will make available to you monthly account statements for your checking and share accounts unless there are no transactions in a particular month. In any case we will make statements available to you at least quarterly. If your statement shows transfers that you did not make or authorize, including those made by debit card, security credentials or other means, tell us at once. If you do not tell us within 60 days after the statement reflecting the unauthorized transfer was made available 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. If you believe your debit card or security credentials have been lost or stolen, or if you believe a transfer has been made using information from your check without your permission, call our 24/7 Member Services or write to us at Card and ATM Services, using the telephone number or address included in Section IX - Contact Information.

Liability for Unauthorized Transfers. Tell us AT ONCE if you believe your debit card or security credentials have been lost or stolen, 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 down. If you do not notify us promptly, you could lose all the money in your account plus your maximum amount available through your participation in our Overdraft Transfer Service, if any. If you tell us within 2 business days after learning of the loss or theft of your debit card or security credentials, you can lose no more than $50 for unauthorized transactions if someone uses your debit card or security credentials to access your account without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft or your debit card or security credentials, and we can prove we could have stopped someone from accessing your account without your permission if you had told us, you could lose as much as $500. We will make available to you monthly account statements for your checking and share accounts unless there are no transactions in a particular month. In any case we will make statements available to you at least quarterly. If your statement shows transfers that you did not make or authorize, including those made by debit card, security credentials or other means, tell us at once. If you do not tell us within 60 days after the statement reflecting the unauthorized transfer was made available 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. If you believe your debit card or security credentials have been lost or stolen, or if you believe a transfer has been made using information from your check without your permission, call our 24/7 Member Services or write to us at Card and ATM Services, using the telephone number or address included in Section IX VIII - Contact Information.

Liability for Unauthorized Transfers. Tell us AT ONCE if you believe your debit card or security credentials have been lost or stolen, 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 down. If you do not notify us promptly, you could lose all the money in your account plus your maximum amount available through your participation in our Overdraft Transfer Service, if any. If you tell us within 2 business days after learning of the loss or theft of your debit card or security credentials, you can lose no more than $50 for unauthorized transactions if someone uses your debit card or security credentials to access your account without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft or your debit card or security credentials, and we can prove we could have stopped someone from accessing your account without your permission if you had told us, you could lose as much as $500. We will make available to you monthly account statements for your checking and share accounts unless there are no transactions in a particular month. In any case we will make statements available to you at least quarterly. If your statement shows transfers that you did not make or authorize, including those made by debit card, security credentials or other means, tell us at once. If you do not tell us within 60 days after the statement reflecting the unauthorized transfer was made available 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. If you believe your debit card or security credentials have been lost or stolen, or if you believe a transfer has been made using information from your check without your permission, call our 24/7 Member Services or write to us at Card and ATM Cardholder Services, using the telephone number or address included in Section IX VIII - Contact Information.

Liability for Unauthorized Transfers. Tell us AT ONCE if you believe your debit card or security credentials have been lost or stolen, 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 down. If you do not notify us promptly, you could lose all the money in your account plus your maximum amount available through your participation in our Overdraft Transfer Service, if any. If you tell us within 2 two (2) business days after learning of the loss or theft of your debit card or security credentialsdays, you can lose no more than $50 for unauthorized transactions if someone uses used your debit card or security credentials to personal access your account code without your permission. (If you do NOT believe your personal access code has been lost or stolen, and you tell us within 2 two (2) business days after you learn of the loss or theft, you can lose no more than $50 if someone used your personal access code without your permission.) If you DON’T tell us within two (2) business days after you learn of the loss or theft or of your debit card or security credentials, personal access code and we can prove that we could have stopped someone from accessing using your account personal access code without your permission if you had you’d told us, you could lose as much as $500. We will make available to you monthly account statements for your checking and share accounts unless there are no transactions in a particular month. In any case we will make statements available to you at least quarterly. If Also, if your statement shows transfers that you did not make or authorize, including those made by debit card, security credentials or other meansdidn’t make, tell us at once. If you do not don’t tell us within 60 days after the statement reflecting the unauthorized transfer was made available mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have could’ve stopped someone from taking the money if you had you’d told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will we’ll extend the time periods. We are entitled to act upon instructions we receive with respect to the service under your Online Banking ID and Password and you are liable for all transactions made or authorized with the use of your Online Banking ID and Password. We have no responsibility for establishing the identity of any person who uses your Online Banking ID and Password. You agree that if you give your Online Banking ID and Password to anyone or fail to safeguard its secrecy, you do so at your own risk. If you believe authorize someone else to use your debit card First U.S. Online Banking password, you’re responsible for all transactions which that person initiates at any time, even if the amount of the transaction or security credentials have been lost or stolen, or if number of transactions exceeds what you believe a transfer has been made using information from your check without your permission, call our 24/7 Member Services or write to us at Card and ATM Services, using the telephone number or address included in Section IX - Contact Informationauthorized.

Liability for Unauthorized Transfers. Tell us AT ONCE if you believe your debit card ATM/Debit Card, PIN, Online/Mobile Banking Username and/or Password or security credentials have other means of account access (each, an “Access Device”) has been lost or stolen, or if you believe that an electronic fund transfer EFT has been made without your permission using information from your checkpermission. Telephoning is the best way of keeping your possible losses down. If you do not notify us promptly, you You could lose all the money in your account (plus your maximum amount available through your participation in our Overdraft Transfer Service, overdraft line of credit if anyyou have an overdraft line of credit). If you tell us within 2 business days Business Days after learning you learn of the loss or theft of your debit card or security credentialsAccess Device, you can lose no more than $50 for unauthorized transactions if someone uses used your debit card or security credentials to access your account Access Device without your permission. If you do NOT tell us within 2 business days Business Days after you learn of the loss or theft or of your debit card or security credentialsAccess Device, and we can prove we could have stopped someone from accessing using your account Access Device without your permission if you had told us, you could lose as much as $500. We will make available to you monthly account statements for your checking and share accounts unless there are no transactions in a particular month. In any case we will make statements available to you at least quarterly. If Also, if your statement shows transfers that you did not make or authorizemake, including those made by debit card, security credentials PIN or other means, tell us at once. If you do not tell us within 60 days after the statement reflecting the unauthorized transfer was made available 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. If NOTE: These liability rules are established by Regulation E, which implements the federal Electronic Fund Transfers Act. Our liability policy regarding unauthorized ATM/Debit Card transactions and unauthorized Online or Mobile Banking transactions on personal deposit accounts may give you believe your debit card or security credentials have been lost or stolenmore protection. For more information, or if please see the agreements you believe a transfer has been made using information from your check without your permissionreceived in connection with other EFT services, call our 24/7 Member Services or write to us at such as the Personal ATM/Debit Card and ATM ServicesAgreement, using the telephone number or address included in Section IX - Contact InformationOnline Banking Agreement, and/or the Mobile Banking Agreement.

Liability for Unauthorized Transfers. Tell us us, AT ONCE ONCE, if you believe your debit card ATM, VISA® Debit Card or security credentials have PIN has been lost or stolen, or if you believe an electronic fund transfer EFT has been made without your permission using information from your check. Telephoning Notifying us by telephone is the best way of keeping your possible losses down. If you do not notify us promptly, you You could lose all of the money in your account (plus your maximum amount any funds available through your participation in our Overdraft Transfer Service, if anyoverdraft protection). If you tell us within 2 two (2) business days (four (4) business days if your account was opened in Kansas) after learning you learn of the loss or theft of your debit card or security credentialsPIN, you can lose no more than a maximum of $50 for unauthorized transactions 50.00 if someone uses your debit card or security credentials to access your account and/or code without your permission. If you do NOT tell us within 2 two (2) business days (four (4) business days if your account was opened in Kansas) after you learn of the loss or theft or of your debit card or security credentialscode, and we can prove that we could have stopped someone from accessing using your account card or code without your permission if you had told us, you could lose as much as $500500.00 ($300.00 if your account was opened in Kansas). We will make available to VISA® rules limit your liability if you monthly account statements for report a lost or stolen VISA® Debit Card. For our Colorado clients, if your checking and share accounts unless there are VISA® Debit Card, ATM Card, or PIN is lost or stolen, you shall have no transactions in liability if the unauthorized use of your VISA® Debit Card, ATM Card, or PIN occurs at a particular month. In any case we will make statements available to you at least quarterlycommunications facility through no fault of yours. If we can establish the unauthorized transfer occurred as a result of your fault, you can lose the lesser of $50 or the amount of money, goods or services obtained by the authorized use of your VISA® Debit Card, ATM Card, or PIN at a communications facility. Also, if your statement shows transfers that any transfer you did not make or authorize, including those made by debit card, security credentials or other meansmake, tell us at once. If you do not tell us within 60 sixty (60) days after the statement reflecting the unauthorized transfer was made available mailed to you, you may not get back any money you lost after the 60 sixty (60) days if we can prove that we could have stopped someone from taking making the money unauthorized transfers if you had told us in time. If you believe 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 or write to us at the telephone number or address set forth below in the Agreement and Disclosure. 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 your debit card or security credentials have been lost or stolen, or if you believe a transfer has been made using information from your check without your permission, call our 24/7 Member Services or write to us at Card and ATM Services, using the telephone number or address included in Section IX - Contact Information.

Liability for Unauthorized Transfers. You are responsible for all transfers you authorize using the Electronic Banking Services. If you permit other persons to use your Electronic Banking Services or your Access Codes, you are responsible for any transactions they authorize from your Accounts. Tell us AT ONCE if you believe any of your debit card or security credentials have Access Codes has been lost or stolen. Telephoning, or if you believe an electronic fund transfer has been made without your permission using information from your check. Telephoning as provided in Section 14, is the best way of keeping your possible losses down. If you do not notify us promptly, you You could lose all the money in your account deposit accounts (plus your maximum amount available through your participation in our Overdraft Transfer Service, if anyoverdraft lines of credit). If you tell us within 2 two (2) business days after learning of the loss or theft of your debit card or security credentialsdays, you can lose no more than $50 for unauthorized transactions 50.00 from each deposit account if someone uses used your debit card or security credentials Access Codes to access your account deposit Account without your permission. If you do NOT tell us within 2 two (2) business days after you learn of the loss or theft or of any of your debit card or security credentialsAccess Codes, and we can prove we could have stopped someone from accessing using your account Access Codes without your permission if you had told us, you could lose as much as $500500.00 from each deposit account. We will make available to you monthly account statements for your checking and share accounts unless there are no transactions in a particular month. In any case we will make statements available to you at least quarterly. If Also, if your statement shows transfers from a deposit Account that you did not make or authorize, including those made by debit card, security credentials or other meansmake, tell us at once. If you do not tell us within 60 sixty (60) days after the statement reflecting the unauthorized transfer was made available 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 With regard to loan Accounts, refer to your Loan Agreement for any applicable limitations on your liability in connection with unauthorized use of your loan Accounts. Account Statements - We report your Online Banking, Online Cash Management, Mobile Banking and Telephone Transfer services transaction activity on monthly statements for your accounts. Contact in Event of Lost or a hospital stay) kept you from telling us, we will extend the time periods. Stolen Access Codes or Unauthorized Transactions - If you believe that any of your debit card or security credentials have Access Codes has been lost or stolen, stolen or if you believe a that someone transferred or may transfer has been made using information money from your check account without your permission, call us immediately at: (000) 000-0000 or (000) 000-0000 Or write us at: Electronic Banking Cashmere Valley Bank 000 X Xxxxx Xx, Suite 103 Wenatchee, WA 98801-8103 Our Liability - We will be responsible for your actual losses if they were directly caused by our 24/7 Member failure to complete a transfer to or from your Accounts on time or in the correct amount according to our agreements with you. However, there are some exceptions. We will not be liable, for instance: If, through no fault of ours, you do not have enough money in your Account to complete a transaction from that Account, or if withdrawals from any of your Accounts have been prohibited by a court order such as a garnishment or other legal process, or if that Account has been closed. If the transaction would go over the credit limit on your ODP Account. If you do not have an adequate credit limit in a credit account to complete a transaction from that Account, or if that account has been closed. If you have not properly followed your Electronic Banking instructions on how to make a transaction or if any of your equipment fails or malfunctions. If you have not given us complete, correct and current instructions so that we can complete a transaction. If you or the bank are unable to complete transactions due to power failure, failure of your internet provider or computer down time for maintenance. If we have reason to believe that a transaction has not been properly authenticated or is fraudulent. If you provide access to your User I.D. and Password to others. If the transaction is a result of your failure to have proper computer security software such as anti- virus and firewall software. If the Electronic Banking Services were not working properly and you knew or should have known about the breakdown when you attempted to authorize a transaction. If circumstances beyond our control prevent the completion of a transaction, despite reasonable precautions that we have taken. We will be responsible for acting only on those instructions sent through the Electronic Banking Services, which we actually receive. For other exceptions to our liability as stated in the Electronic Funds Transfer Agreement and Disclosure Statement. For any indirect, incidental, special or consequential damages if our failure was not intentional and resulted from a bona fide error, notwithstanding our procedures to avoid such error. Error Resolution - In case of errors or questions about your Electronic Banking Services, telephone us at: (000) 000-0000 or (000) 000-0000, write to us at Card Electronic Banking, Cashmere Valley Bank, 000 X Xxxxx Xx, Suite 103, Wenatchee WA 98801-8103, or email us at xxxxxxx@XxxxxxxxXxxxxxXxxx.xxx as soon as you can. If you think your statement is wrong or if you need more information about a transaction listed on the statement, we must hear from you no later than sixty (60) days after we sent the FIRST statement on which the problem or error appeared. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days. When you contact us, please provide the following information: Your name and ATM ServicesAccount number(s) Describe the error or the transfer you are unsure about and explain as clearly as you can why you believe it is an error or why you need more information Tell us the dollar amount of the suspected error We will determine whether an error occurred within ten (10) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10) business days for the amount you think is in error so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not credit your deposit Account. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation within three (3) business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation. Monthly Service Fees - There is currently no monthly or per transaction fees for our standard Electronic Banking Services other than the fees you pay your Internet Service Provider. The service charges and fees provided for in the Deposit Account and Loan Account Agreements will continue to apply. Existing and future charges may be based upon the overall costs of providing account services and may or may not be based upon the direct cost or expense associated with providing the particular service involved. The charges may be based on consideration of profit, competitive position, and deterrence of misuse of account privileges by customers, excessive use as we may from time to time determine, and the safety and soundness of the financial institution. We will notify you of the changes, to the extent required by law. Online Banking Account Inactivity – If your Online Banking account is inactive for 180 days, it will become inactive. Notice of inactivity will be mailed to you at that time. If you do not notify us to reactivate, your Online Banking account will be deleted at 365 days. If you are enrolled for E-Documents at the time the Online Banking Account is deleted, you will begin to receive Paper Statements. Acknowledgment of Commercially Reasonable Security Procedures – By using the telephone number Online Banking, you acknowledge and agree that this Agreement sets forth security procedures for electronic banking transactions that are commercially reasonable. You agree to be bound by instructions, whether authorized or address included unauthorized, which we implement in Section IX - Contact Informationcompliance with these procedures, unless you have given us prior notice of possible unauthorized use as described above (and we had a reasonable opportunity to act on such notice).

Liability for Unauthorized Transfers. Tell us AT ONCE if you believe your debit card or security credentials have been lost or stolen, 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 down. If you do not notify us promptly, you could lose all the money in your account plus your maximum amount available through your participation in our Overdraft Transfer Service, if any. If you tell us within 2 business days after learning of the loss or theft of your debit card or security credentials, you can lose no more than $50 for unauthorized transactions if someone uses your debit card or security credentials to access your account without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft or your debit card or security credentials, and we can prove we could have stopped someone from accessing your account without your permission if you had told us, you could lose as much as $500. We will make available to you monthly account statements for your checking and share accounts unless there are no transactions in a particular month. In any case we will make statements available to you at least quarterly. If your statement shows transfers that you did not make or authorize, including those made by debit card, security credentials or other means, tell us at once. If you do not tell us within 60 days after the statement reflecting the unauthorized transfer was made available 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. If you believe your debit card or security credentials have been lost or stolen, or if you believe a transfer has been made using information from your check without your permission, call our 24/7 Member Services us or write to us at Card and ATM Services, using the telephone number or address included in Section IX VIII - Contact Information.

Liability for Unauthorized Transfers. Tell us AT ONCE if If you believe think your debit card or security credentials have password has been lost or stolen, or if you believe an electronic fund transfer that someone has been made transferred money from your account without your permission using information from permission, immediately change your checkpassword and call HomeStreet Bank. Telephoning Phoning the bank is the best way of keeping to minimize your possible losses downlosses. If you do not notify us promptly, you could lose all the money in your account plus your maximum amount available through your participation in our Overdraft Transfer Service, if any. If you tell us within 2 two (2) business days after learning you learn of the loss or theft of your debit card or security credentialstheft, you can lose no more than $50 for unauthorized transactions if someone uses your debit card or security credentials to access your account password without your permission. If you do NOT tell us within 2 two (2) business days after you learn of the loss or theft or of your debit card or security credentialspassword, and we can prove establish that we could have stopped someone from accessing your account without your permission if you had told us, you could lose as much as $500. We will make available to you monthly account statements for your checking and share accounts unless there are no transactions in a particular month. In any case we will make statements available to you at least quarterly. If your statement or receipt shows transfers transfers, withdrawals, or purchases that you did not make or authorize, including those made by debit card, security credentials or other means, tell us at oncenotify HomeStreet Bank immediately. If you do not tell notify us within 60 days after the statement reflecting the unauthorized transfer was made available is sent to you, you may not get back recover any money you lost after the 60 days if we can prove establish that we could have stopped someone from taking the money if you had told notified us in time. If a good reason (such as a long trip or a hospital stay) kept extenuating circumstances delayed you from telling uscontacting the Bank, we these time periods will extend be extended for a reasonable period. Questions regarding unauthorized transfers or errors can be directed to your branch or the time periodsCustomer Service Center at the number listed in the “Contacting HomeStreet Bank” section of this Agreement. If Errors or Questions about Electronic Transfers Telephone or write to us immediately at the phone number or address shown on the last page of this Agreement, if you believe think your debit card statement or security credentials have been lost or stolenreceipt is incorrect, or if you believe need more information about a transfer shown on the statement or receipt. We must hear from you no later than 60 days after we sent you the FIRST statement on which the error or problem appeared. Notification should include the following: • Your name and account number; • A description of the error or the transfer you are unsure about, and a clear explanation as to why you believe it is an error, or why you need more information; and • The dollar amount of the suspected error and date on which it occurred. If you notify us verbally, we will require you to send us your complaint or question in writing within 10 business days to the address shown on the last page of this agreement. We will determine whether an error occurred within 10 business days after we hear from you (20 business days for new accounts*) and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days for point-of-sale transactions, foreign transactions, and transactions on new accounts*) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (20 business days for new accounts*) for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. We will tell you the results of our investigation within three (3) business days after completing it. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. If provisional credit was made and we decide no error was made, we will reverse the provisional credit and notify you. *An account is considered new if the electronic transfer occurs within the first 30 days after the first deposit to the account was made, unless each of you already has been made using information from your check without your permission, call our 24/7 Member Services or write to an established account with us at Card and ATM Services, using before the telephone number or address included in Section IX - Contact Informationaccount is opened.

Liability for Unauthorized Transfers. Tell us AT ONCE if you believe your debit card or security credentials have been lost or stolen, 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 down. If you do not notify us promptly, you could lose all the money in your account plus your maximum amount available through your participation in our Overdraft Transfer Service, if any. If you tell us within 2 business days after learning of the loss or theft of your debit card or security credentials, you can lose no more than $50 for unauthorized transactions if someone uses your debit card or security credentials to access your account without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft or your debit card or security credentials, and we can prove we could have stopped someone from accessing your account without your permission if you had told us, you could lose as much as $500. We will make available to you monthly account statements for your checking and share accounts unless there are no transactions in a particular month. In any case we will make statements available to you at least quarterly. If your statement shows transfers that you did not make or authorize, including those made by debit card, security credentials or other means, tell us at once. If you do not tell us within 60 days after the statement reflecting the unauthorized transfer was made available 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. If you believe your debit card or security credentials have been lost or stolen, or if you believe a transfer has been made using information from your check without your permission, call our 24/7 Member Services Virtual Branch or write to us at Card and ATM Cardholder Services, using the telephone number or address included in Section IX VIII - Contact Information.