Common use of LIABILITY FOR UNAUTHORIZED USE Clause in Contracts

LIABILITY FOR UNAUTHORIZED USE. Telephone Us at once at the telephone number shown in this Agreement or write to Us at the address shown in this Agreement, if You believe Your Card or PIN have been lost or stolen or if you believe that an electronic fund transfer has been made without Your permission using information from Your check. Telephoning is the best way of keeping Your possible losses down. You could lose all of the money in Your Account (plus Your maximum overdraft line of credit, if applicable). If You tell us within 2 business days after You learn of the loss or theft of Your Card or PIN, You can lose no more than $50 if someone uses Your Card or PIN without Your permission. If You fail to tell Us within 2 business days after You learn of the loss or theft of Your Card or PIN and We can prove that We could have stopped someone from using Your Card or PIN without Your permission if You had told Us, then You could lose as much as $500. Additionally, if Your periodic statement shows transactions that You did not make, You will tell Us at once. If You fail to tell Us within 60 days after We mail You the periodic statement, You could lose the entire Account balance if We can prove We could have stopped someone from taking Your money if You had given Us notice in time. If a valid reason (such as a long trip or hospital stay) keeps You from giving Us notice, We will extend the time periods. Exception: You will have no liability for unauthorized use for Your VISA Debit Card as long as You report the loss or theft of Your VISA Debit Card within 2 business days. These exceptions do not apply to: (a) transactions that originate at an ATM; or (b) transactions that originate from Your gross negligence; or (c) transactions that originate from Your fraudulent use of Your VISA Debit Card; or (d) transactions processed through non-VISA networks without cardholder PIN validation. IN CASE OF ERRORS OR IF YOU HAVE QUESTIONS ABOUT ELECTRONIC TRANSFERS. Telephone Us at the telephone number shown in this Agreement, or write to Us at the address shown in this Agreement as soon as You can, if You think Your statement or receipt is wrong or if You need more information about a transaction listed on the statement or receipt. We must hear from You no later than 60 days after We send You the first statement on which the problem or error appeared.

LIABILITY FOR UNAUTHORIZED USE. Telephone Us at once at the telephone number shown in this Agreement or write to Us at the address shown in this Agreement, if You believe Your Card or PIN have been lost or stolen or if you You believe that an electronic fund transfer has been made without Your permission using information from Your check. Telephoning is the best way of keeping Your possible losses down. You could lose all of the money in Your Account (plus Your maximum overdraft line of credit, if applicable). If You tell us Us within 2 business days after You learn of the loss or theft of Your Card or PIN, You can lose no more than $50 50.00 if someone uses Your Card or PIN without Your permission. If You fail to tell Us within 2 business days after You learn of the loss or theft of Your Card or PIN and We can prove that We could have stopped someone from using Your Card or PIN without Your permission if You had told Us, then You could lose as much as $500500.00. Additionally, if Your periodic statement shows transactions that You did not make, You will tell Us at once. If You fail to tell Us within 60 days after We mail You the periodic statement, You could lose may not get back any money You lost after the entire Account balance 60 days if We can prove We could have stopped someone from taking Your money if You had given Us notice in time. If a valid reason (such as a long trip or hospital stay) keeps You from giving Us notice, We will extend the time periods. Exception: You will have no liability for unauthorized use for of Your VISA Debit Card as long as You report the loss or theft of Your VISA Debit Card within 2 business days. These exceptions do not apply to: (a) transactions that originate at an ATM; or (b) transactions that originate from Your gross negligence; or (c) transactions that originate from Your fraudulent use of Your VISA Debit Card; or (d) transactions processed through non-VISA networks without cardholder PIN validation. IN CASE OF ERRORS OR IF YOU HAVE QUESTIONS ABOUT ELECTRONIC TRANSFERS. Telephone Us at the telephone number shown in this Agreement, or write to Us at the address shown in this Agreement as soon as You can, if You think Your statement or receipt is wrong or if You need more information about a transaction listed on the statement or receipt. We must hear from You no later than 60 days after We send You the first statement on which the problem or error appeared.

LIABILITY FOR UNAUTHORIZED USE. Telephone Us at once at the telephone number shown in this Agreement (000) 000-0000, or write to Us at the address shown in this AgreementP.O. Box 6015, Pasadena, CA 91102-6015, ATTENTION: Electronic Services Department, if You believe Your Card or PIN have has been lost or stolen stolen, or if you You believe that an electronic fund transfer has been made without Your permission using information from Your check. Telephoning is the best way of keeping Your possible losses down. You could lose all of the money in Your Account (plus Your maximum overdraft line of creditprotection, if applicable). If You tell us Us within 2 two business days after You learn of the loss or theft of Your Card or PIN, You can lose no more than $50 50.00 if someone uses Your Card or PIN without Your permission. If You fail to tell Us within 2 two business days after You learn of the loss or theft of Your Card or PIN and We can prove that We could have stopped someone from using Your Card or PIN without Your permission if You had told Us, then You could lose as much as $500500.00. Additionally, if Your periodic statement shows transactions transfers that You did not make, including those made by Card, PIN or other means, You will tell Us at once. If You fail to tell Us within 60 days after We mail You the first periodic statementstatement on which the transfer appears, You could lose may not get back any money You lost after the entire Account balance 60 days if We can prove We could have stopped someone from taking Your money if You had given Us notice in time. If a valid reason (such as a long trip or hospital stay) keeps You from giving Us notice, We will extend the time periods. Exception: You will have no liability for unauthorized use for of Your VISA Debit Card as long as You report the loss or theft of Your VISA Debit Card within 2 two business days. If You report such loss or theft after two business days, or provide proper notification of other unauthorized VISA Debit Card transactions, Your liability for unauthorized use will not exceed $50.00. These exceptions do not apply to: (a) transactions that originate at an ATM; or (b) transactions that originate from Your gross negligence; or (c) transactions that originate from Your fraudulent use of Your VISA Debit Card; or (d) transactions processed through non-VISA networks (e.g. ACCEL/Exchange, Debit MasterCard, COOP, NYCE, PULSE and STAR) without cardholder PIN validation. IN CASE OF ERRORS OR IF YOU HAVE QUESTIONS ABOUT ELECTRONIC TRANSFERS. Telephone Us at the telephone number shown in this Agreement(000) 000-0000, or write to Us at the address shown in this Agreement P.O. Box 6015, Pasadena, CA 91102-6015, ATTENTION: Electronic Services Department, as soon as You can, if You think Your statement or receipt is wrong or if You need more information about a transaction listed on the statement or receipt. We must hear from You no later than 60 days after We send You the first statement on which the problem or error appeared.

LIABILITY FOR UNAUTHORIZED USE. Telephone Us at once at the telephone number shown in this Agreement (000) 000-0000, or write to Us at the address shown in this AgreementP.O. Box 660077, Dallas, TX 75266-0077 if You believe Your Card or PIN have been lost or stolen or if you believe that an electronic fund transfer has been made without Your permission using information from Your check. Telephoning is the best way of keeping Your possible losses down. You could lose all of the money in Your Account (plus Your maximum overdraft line of credit, if applicable). If You tell us within 2 business days after You learn of the loss or theft of Your Card or PIN, You can lose no more than $50 50.00 if someone uses Your Card or PIN without Your permission. If You fail to tell Us within 2 business days after You learn of the loss or theft of Your Card or PIN and We can prove that We could have stopped someone from using Your Card or PIN without Your permission if You had told Us, then You could lose as much as $500500.00. AdditionallyAlso, if Your periodic statement shows transactions transfers that You did not make, including those made by Card, PIN or other means, You will tell Us at once. If You fail to do not tell Us within 60 days after We mail You the periodic statementstatement was mailed to You, You could lose may not get back any money You lost after the entire Account balance 60 days if We can prove that We could have stopped someone from taking Your the money if You had given told Us notice in time. If a valid reason (such as a long trip or hospital stay) keeps You from giving Us notice, We will extend the time periods. Exception: You will have no liability for unauthorized use for Your VISA Debit Card as long as You report the loss or theft of Your VISA Debit Card within 2 business days. These exceptions do not apply to: (a) transactions that originate at an ATM; or (b) transactions that originate from Your gross negligence; or (c) transactions that originate from Your fraudulent use of Your VISA Debit Card; or (d) transactions processed through non-VISA networks without cardholder PIN validation. IN CASE OF ERRORS OR IF YOU HAVE QUESTIONS ABOUT ELECTRONIC TRANSFERS. Telephone Us at the telephone number shown in this Agreement(000) 000-0000, or write to Us at the address shown in this Agreement P.O. Box 660077, Dallas, TX 75266-0077 as soon as You can, if You think Your statement or receipt is wrong or if You need more information about a transaction listed on the statement or receipt. We must hear from You no later than 60 days after We send You the first statement on which the problem or error appeared.

LIABILITY FOR UNAUTHORIZED USE. Telephone Us at once at the telephone number shown in this Agreement (000) 000-0000 or write to Us at the address shown in this Agreement, Agreement if You believe Your Card Card, PIN or PIN Access Code have been lost or stolen stolen, or if you believe that an electronic fund transfer has been made without Your permission using information from Your check. Telephoning is the best way of keeping Your possible losses down. You could lose all of the money in Your Account (plus Your maximum overdraft line of credit, if applicable). If You tell us within 2 business days after You learn of the loss or theft of Your Card or PIN, You can lose no more than $50 50.00 if someone uses Your Card or PIN without Your permission. If You fail to tell Us within 2 business days after You learn of the loss or theft of Your Card or PIN and We can prove that We could have stopped someone from using Your Card or PIN without Your permission if You had told Us, then You could lose as much as $500500.00. Additionally, if Your periodic statement shows transactions transfers that You did not make, including those made by Card, PIN or other means, You will tell Us at once. If You fail to tell Us within 60 days after We mail You the first periodic statementstatement on which the transfer appears, You could lose the entire Account balance if We can prove We could have stopped someone from taking Your money if You had given Us notice in time. If a valid reason (such as a long trip or hospital stay) keeps You from giving Us notice, We will extend the time periods. Exception: You will have no liability for unauthorized use for Your VISA Debit Card as long as You report the loss or theft of Your VISA Debit Card within 2 business days. If You report such loss or theft after 2 business days, or provide proper notification of other unauthorized VISA Debit Card transactions, Your liability for unauthorized use will not exceed $50.00. These exceptions do not apply to: (a) to transactions that originate originating at an ATM; ATM or (b) transactions that originate from Your gross negligence; or (c) transactions that originate from Your negligence and/or fraudulent use of Your VISA Debit Card; . If the provisions of this paragraph provide greater protection to You than the prior paragraph, then this paragraph supercedes the prior paragraph. As used in this Agreement "communications facility" means an attended or unattended electronic information processing device, other than an ordinary telephone instrument, located in the State of Colorado separate and apart from Our facilities and through which You may engage in transactions by means of either instant transmission (don-line) transactions processed of electronic impulses to and from Us or Our data processing agent or the recording of electronic impulses or other indicia of a transaction for delayed transmission (off-line) to Us or Our data processing agent. Such a device located on Our premises shall be a communications facility if such device is utilized by the account holders of other financial institutions. With respect to any Card or other access device We have issued to You for use at a communications facility, if Your Card or other access device is lost or stolen and subsequently used by an unauthorized person, You shall only be liable for the lesser of 50 dollars or the amount of money, goods, or services obtained by the unauthorized use prior to Your notice to Us of the theft or loss, of Your Card or other access device. If the unauthorized use occurs through non-VISA networks without cardholder PIN validationno fault of Your own, no liability shall be imposed on You. IN CASE OF ERRORS OR IF YOU HAVE QUESTIONS ABOUT ELECTRONIC TRANSFERS. Telephone Call Us at the telephone number shown in this Agreement, (000) 000-0000 or write to Us at the address shown in this Agreement 2735 Dublin Boulevard, Colorado Springs, Colorado 80918 as soon as You can, if You think Your statement or receipt is wrong or if You need more information about a transaction listed on the statement or receipt. We must hear from You no later than 60 days after We send You the first statement on which the problem or error appeared.

LIABILITY FOR UNAUTHORIZED USE. Telephone Us at once at the telephone number shown in this Agreement Agreement, or write to Us at the address shown in this Agreement, Agreement if You believe Your Card or PIN have been lost or stolen stolen, or if you believe that an electronic fund transfer has been made without Your permission using information from Your check. Telephoning is the best way of keeping Your possible losses down. You could lose all of the money in Your Account (plus Your maximum overdraft line of credit, if applicable). If You tell us within 2 two business days after You learn of the loss or theft of Your Card or PIN, You can lose no more than $50 50.00 if someone uses Your Card or PIN without Your permission. If You fail to tell Us within 2 two business days after You learn of the loss or theft of Your Card or PIN and We can prove that We could have stopped someone from using Your Card or PIN without Your permission if You had told Us, then You could lose as much as $500500.00. Additionally, if Your periodic statement shows transactions transfers that You did not make, including those made by Card, PIN or other means, You will tell Us at once. If You fail to tell Us within 60 days after We mail You the first periodic statementstatement on which the transfer appears, You could lose the entire Account balance if We can prove We could have stopped someone from taking Your money if You had given Us notice in time. If a valid reason (such as a long trip or hospital stay) keeps You from giving Us notice, We will extend the time periods. Exception: You will have no liability for unauthorized use for Your VISA Debit Check Card as long as You report the loss or theft of Your VISA Debit Check Card within 2 two business days. If You report such loss or theft after two business days, or provide proper notification of other unauthorized VISA Check Card transactions, Your liability for unauthorized use will not exceed $50.00. These exceptions do not apply to: (a) to transactions that originate originating at an ATM; ATM or (b) transactions that originate from Your gross negligence; or (c) transactions that originate from Your negligence and/or fraudulent use of Your VISA Debit Check Card; or (d) transactions processed through non-VISA networks without cardholder PIN validation. IN CASE OF ERRORS OR IF YOU HAVE QUESTIONS ABOUT ELECTRONIC TRANSFERS. Telephone Us at the telephone number shown in this Agreement, or write to Us at the address shown in this Agreement as soon as You can, if You think Your statement or receipt is wrong or if You need more information about a transaction listed on the statement or receipt. We must hear from You no later than 60 days after We send You the first statement on which the problem or error appeared.

LIABILITY FOR UNAUTHORIZED USE. Telephone Us at once at the telephone number shown in this Agreement or write to Us at the address shown in this Agreement, Agreement if You believe Your Card or PIN have been lost or stolen or if you You believe that an electronic fund transfer has been made without Your permission using information from Your check. Telephoning is the best way of keeping Your possible losses down. You could lose all of the money in Your Account (plus Your maximum overdraft line of credit, if applicable). If You tell us Us within 2 two business days after You learn of the loss or theft of Your Card or PIN, You can lose no more than $50 50.00 if someone uses Your Card or PIN without Your permission. If You fail to tell Us within 2 two business days after You learn of the loss or theft of Your Card or PIN and We can prove that We could have stopped someone from using Your Card or PIN without Your permission if You had told Us, then You could lose as much as $500500.00. AdditionallyAlso, if Your periodic statement shows transactions transfers that You did not make, including those made by Card, PIN or other means, You will tell Us at once. If You fail to do not tell Us within 60 days after We mail You the periodic statementstatement was mailed to You, You could lose may not get back any money You lost after the entire Account balance 60 days if We can prove that We could have stopped someone from taking Your the money if You had given told Us notice in time. If a valid reason (such as a long trip or hospital stay) keeps You from giving Us notice, We will extend the time periods. Exception: You will have no liability for unauthorized use for of Your VISA Debit Card as long as You report the loss or theft of Your VISA Debit Card within 2 two business days. These exceptions do not apply to: (a) transactions that originate at an ATM; or (b) transactions that originate from Your gross negligence; or (c) transactions that originate from Your fraudulent use of Your VISA Debit Card; or (d) transactions processed through non-VISA networks without cardholder PIN validation. IN CASE OF ERRORS OR IF YOU HAVE QUESTIONS ABOUT ELECTRONIC TRANSFERS. Telephone Us at the telephone number shown in this Agreement, or write to Us at the address shown in this Agreement as soon as You can, if You think Your statement or receipt is wrong or if You need more information about a transaction listed on the statement or receipt. We must hear from You no later than 60 days after We send You the first statement on which the problem or error appeared.

LIABILITY FOR UNAUTHORIZED USE. Telephone Us at once at the telephone number shown in this Agreement or write to Us at the address shown in this AgreementUnder Visa’s Zero Liability Policy, if You believe Your Card or PIN you have been lost or stolen or if you believe that an electronic fund transfer has been made without Your permission using information from Your check. Telephoning is the best way of keeping Your possible losses down. You could lose liability protection for all of your card transactions that take place on the money in Your Account (plus Your maximum overdraft line Visa system unless you are guilty of creditgross negligence or fraud. Should someone steal your card or your card number or otherwise obtain and use your card or your card number without your permission, if applicable)you pay nothing for their activity unless you were grossly negligent or acted fraudulently. If You you notice unauthorized activity on your account, promptly contact us to report it. It is important to continually monitor your monthly statement to identify any unauthorized transactions. We may impose greater liability on you if we reasonably determine that the unauthorized transaction was caused by your gross negligence or fraudulent action - which may include your delay for an unreasonable time in reporting unauthorized transactions. In any case, you must immediately notify the credit union of loss, theft or unauthorized use of your card or your card number. Notice of unauthorized use may originally be oral, but must be followed by written notice. Notice must be given to: 0-000-000-0000 PSCU Service Centers, Inc. Customer Service X.X. Xxx 00000 Xxxxx, Xxxxxxx 00000-0000 If you tell us within 2 two (2) business days after You you learn that your card or card number has been lost/stolen, you will not be liable for any losses on your account. If you do not tell us within two (2) business days after you learn of the loss or theft of Your Card or PINyour card and there has been unauthorized use of your card, You can lose no more than liability will not exceed $50 if someone uses Your Card or PIN without Your permission50. If You fail to tell Us within 2 BUSINESS DAYS. Our business days after You learn of the loss or theft of Your Card or PIN and We can prove that We could have stopped someone from using Your Card or PIN without Your permission if You had told Us, then You could lose as much as $500are Monday through Friday. Additionally, if Your periodic statement shows transactions that You did Holidays are not make, You will tell Us at onceincluded. If You fail to tell Us within 60 days after We mail You the periodic statement, You could lose the entire Account balance if We can prove We could have stopped someone from taking Your money if You had given Us notice in time. If a valid reason (such as a long trip or hospital stay) keeps You from giving Us notice, We will extend the time periods. Exception: You will have no liability for unauthorized use for Your VISA Debit Card as long as You report the loss or theft of Your VISA Debit Card within 2 business days. These exceptions do not apply to: (a) transactions that originate at an ATM; or (b) transactions that originate from Your gross negligence; or (c) transactions that originate from Your fraudulent use of Your VISA Debit Card; or (d) transactions processed through non-VISA networks without cardholder PIN validation. IN CASE APPLICATION OF ERRORS OR IF YOU HAVE QUESTIONS ABOUT ELECTRONIC TRANSFERS. Telephone Us at the telephone number shown in this Agreement, or write to Us at the address shown in this Agreement as soon as You can, if You think Your statement or receipt is wrong or if You need more information about a transaction listed on the statement or receiptPAYMENTS. We must hear from You no later than 60 days after We send You the first statement on which the problem may allocate payments to amounts due in any manner or error appearedorder chosen by us, provided we comply with any applicable laws or regulations.

LIABILITY FOR UNAUTHORIZED USE. Telephone Us at once at the telephone number shown in this Agreement or write to Us at the address shown in this Agreement, Agreement if You believe Your Card Card, PIN or PIN Access Code have been lost or stolen stolen, or if you You believe that an electronic fund transfer has been made without Your permission using information from Your check. Telephoning is the best way of keeping Your possible losses down. You could lose all of the money in Your Account (plus Your maximum overdraft line of credit, if applicable). If You tell us Us within 2 two business days after You learn of the loss or theft of Your Card or PIN, You can lose no more than $50 50.00 if someone uses Your Card or PIN without Your permission. If You fail to tell Us within 2 two business days after You learn of the loss or theft of Your Card or losses down. You could lose all of the money in Your Account (plus Your maximum PIN and We can prove that We could have stopped someone from using Your Card or PIN without Your permission if You had told Us, then You could lose as much as $500500.00. Additionally, if Your periodic statement shows transactions transfers that You did not make, including those made by Card, PIN or other means, You will tell Us at once. If You fail to tell Us within 60 days after We mail You the first periodic statementstatement on which the transfer appears, You could lose the entire Account balance if We can prove We could have stopped someone from taking Your money if You had given Us notice in time. If a valid reason (such as a long trip or hospital stay) keeps You from giving Us notice, We will extend the time periods. Exception: You will have no liability for unauthorized use for of Your VISA Debit CME MasterCard Great Card as long as You report the loss or theft of Your VISA Debit CME MasterCard Great Card within 2 two business days. If You report such loss or theft after two business days, or provide proper notification of other unauthorized CME MasterCard Great Card transactions, Your liability for unauthorized use will not exceed $50.00. These exceptions do not apply to: (a) to transactions that originate originating at an ATM; ATM or (b) transactions that originate from Your gross negligence; or (c) transactions that originate from Your negligence and/or fraudulent use of Your VISA Debit CME MasterCard Great Card; or (d) transactions processed through non-VISA networks without cardholder PIN validation. IN CASE OF ERRORS OR IF YOU HAVE QUESTIONS ABOUT ELECTRONIC TRANSFERS. Telephone Call Us at the telephone number shown in this Agreement, Agreement or write to Us at the address shown in this Agreement as soon as You can, if You think Your statement or receipt is wrong or if You need more information about a transaction listed on the statement or receipt. We must hear from You no later than 60 days after We send You the first statement on which the problem or error appeared.

LIABILITY FOR UNAUTHORIZED USE. Telephone Us at once at the telephone number shown in this Agreement 000.000.0000 or write to Us at the address shown in this Agreement0000 X Xxxxxxx Xxxxxx, Xxxxxxxx, XX 00000 if You believe Your Card or PIN have been lost or stolen or if you You believe that an electronic fund transfer has been made without Your permission using information from Your check. Telephoning is the best way of keeping Your possible losses down. You could lose all of the money in Your Account (plus Your maximum overdraft line of credit, if applicable). If You tell us Us within 2 business days after You learn of the loss or theft of Your Card or PIN, You can lose no more than $50 50.00 if someone uses Your Card or PIN without Your permission. If You fail to tell Us within 2 business days after You learn of the loss or theft of Your Card or PIN and We can prove that We could have stopped someone from using Your Card or PIN without Your permission if You had told Us, then You could lose as much as $500500.00. AdditionallyAlso, if Your periodic statement shows transactions transfers that You did not make, including those made by Card, PIN or other means, You will tell Us at once. If You fail to do not tell Us within 60 days after We mail You the periodic statementstatement was mailed to You, You could lose may not get back any money You lost after the entire Account balance 60 days if We can prove that We could have stopped someone from taking Your the money if You had given told Us notice in time. If a valid reason (such as a long trip or hospital stay) keeps You from giving Us notice, We will extend the time periods. Exception: You will have no liability for unauthorized use for of Your VISA Debit Card as long as You report the loss or theft of Your VISA Debit Card within 2 business days. These exceptions do not apply to: (a) transactions that originate at an ATM; or (b) transactions that originate from Your gross negligence; or (c) transactions that originate from Your fraudulent use of Your VISA Debit Card; or (d) transactions processed through non-VISA networks without cardholder PIN validation. IN CASE OF ERRORS OR IF YOU HAVE QUESTIONS ABOUT ELECTRONIC ELECTRONIC‌‌‌‌‌‌‌ TRANSFERS. Telephone Us at the telephone number shown in this Agreement000.000.0000, or write to Us at the address shown in this Agreement 0000 X Xxxxxxx Xxxxxx, Xxxxxxxx, XX 00000 as soon as You can, if You think Your statement or receipt is wrong or if You need more information about a transaction listed on the statement or receipt. We must hear from You no later than 60 days after We send You the first statement on which the problem or error appeared.

LIABILITY FOR UNAUTHORIZED USE. Telephone Us at once at the telephone number shown in this Agreement Agreement, or write to Us at the address shown in this Agreement, Agreement if You believe Your Card or PIN have been lost or stolen stolen, or if you You believe that an electronic fund transfer has been made without Your permission using information from Your check. Telephoning is the best way of keeping Your possible losses down. You could lose all of the money in Your Account (plus Your maximum overdraft line of credit, if applicable). If You tell us Us within 2 two business days after You learn of the loss or theft of Your Card or PIN, You can lose no more than $50 50.00 if someone uses Your Card or PIN without Your permission. If You fail to tell Us within 2 two business days after You learn of the loss or theft of Your Card or PIN and We can prove that We could have stopped someone from using Your Card or PIN without Your permission if You had told Us, then You could lose as much as $500500.00. Additionally, if Your periodic statement shows transactions transfers that You did not make, including those made by Card, PIN or other means, You will tell Us at once. If You fail to tell Us within 60 days after We mail You the first periodic statementstatement on which the transfer appears, You could lose may not get back any money You lost after the entire Account balance 60 days if We can prove We could have stopped someone from taking Your money if You had given Us notice in time. If a valid reason (such as a long trip or hospital stay) keeps You from giving Us notice, We will extend the time periods. Exception: You will have no liability for unauthorized use for of Your VISA Mastercard Debit Card as long as You report the loss or theft of Your VISA Mastercard Debit Card within 2 two business days. If You report such loss or theft after two business days, or provide proper notification of other unauthorized Mastercard Debit Card transactions, Your liability for unauthorized use will not exceed $50.00. These exceptions do not apply to: (a) transactions that originate at an ATM; or (b) transactions that originate from Your gross negligence; or (c) transactions that originate from Your fraudulent use of Your VISA Mastercard Debit Card; or (d) transactions processed through non-VISA Mastercard networks without cardholder PIN validation. IN CASE OF ERRORS OR IF YOU HAVE QUESTIONS ABOUT ELECTRONIC TRANSFERS. Telephone Us at the telephone number shown in this Agreement, or write to Us at the address shown in this Agreement as soon as You can, if You think Your statement or receipt is wrong or if You need more information about a transaction listed on the statement or receipt. We must hear from You no later than 60 days after We send You the first statement on which the problem or error appeared.

LIABILITY FOR UNAUTHORIZED USE. Telephone Us at once at the telephone number shown in this Agreement (000) 000-0000, or write to Us at the address shown in this Agreement, Agreement if You believe Your Card or PIN have been lost or stolen stolen, or if you believe that an electronic fund transfer has been made without Your permission using information from Your check. Telephoning is the best way of keeping Your possible losses down. You could lose all of the money in Your Account (plus Your maximum overdraft line of credit, if applicable). If You tell us within 2 two business days after You learn of the loss or theft of Your Card or PIN, You can lose no more than $50 50.00 if someone uses Your Card or PIN without Your permission. If You fail to tell Us within 2 two business days after You learn of the loss or theft of Your Card or PIN and We can prove that We could have stopped someone from using Your Card or PIN without Your permission if You had told Us, then You could lose as much as $500500.00. Additionally, if Your periodic statement shows transactions transfers that You did not make, including those made by Card, PIN or other means, You will tell Us at once. If You fail to tell Us within 60 days after We mail You the first periodic statementstatement on which the transfer appears, You could lose the entire Account balance if We can prove We could have stopped someone from taking Your money if You had given Us notice in time. If a valid reason (such as a long trip or hospital stay) keeps You from giving Us notice, We will extend the time periods. Exception: You will have no liability for unauthorized use for Your VISA Debit Card as long as You report the loss or theft of Your VISA Debit Card within 2 two business days. If You report such loss or theft after two business days, or provide proper notification of other unauthorized VISA Debit Card transactions, Your liability for unauthorized use will not exceed $50.00. These exceptions do not apply to: (a) to transactions that originate originating at an ATM; ATM or (b) transactions that originate from Your gross negligence; or (c) transactions that originate from Your negligence and/or fraudulent use of Your VISA Debit Card; or (d) transactions processed through non-VISA networks without cardholder PIN validation. IN CASE OF ERRORS OR IF YOU HAVE QUESTIONS ABOUT ELECTRONIC TRANSFERS. Telephone Us at the telephone number shown in this Agreement(000) 000-0000, or write to Us at ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE (continued) the address shown in this Agreement as soon as You can, if You think Your statement or receipt is wrong or if You need more information about a transaction listed on the statement or receipt. We must hear from You no later than 60 days after We send You the first statement on which the problem or error appeared.

LIABILITY FOR UNAUTHORIZED USE. Telephone Us at once at the telephone number shown in this Agreement (303) 471- 7625 or write to Us at the address shown in this Agreement0000 Xxxxxxxxx Xxxx, Xxxxxxxxx, XX 00000 if You believe Your Card or PIN have been lost or stolen or if you You believe that an electronic fund transfer has been made without Your permission using information from Your check. Telephoning is the best way of keeping Your possible losses down. You could lose all of the money in Your Account (plus Your maximum overdraft line of credit, if applicable). If You tell us Us within 2 two business days after You learn of the loss or theft of Your Card or PIN, You can lose no more than $50 50.00 if someone uses Your Card or PIN without Your permission. If You fail to tell Us within 2 two business days after You learn of the loss or theft of Your Card or PIN and We can prove that We could have stopped someone from using Your Card or PIN without Your permission if You had told Us, then You could lose as much as $500500.00. Additionally, if Your periodic statement shows transactions that You did not make, You will tell Us at once. If You fail to tell Us within 60 days after We mail You the periodic statement, You could lose the entire Account balance if We can prove We could have stopped someone from taking Your money if You had given Us notice in time. If a valid reason (such as a long trip or hospital stay) keeps You from giving Us notice, We will extend the time periods. Exception: You will have no liability for unauthorized use for of Your VISA Debit Card as long as You report the loss or theft of Your VISA Debit Card within 2 two business days. These exceptions do not apply to: (a) transactions that originate at an ATM; or (b) transactions that originate from Your gross negligence; or (c) transactions that originate from Your fraudulent use of Your VISA Debit Card; or (d) transactions processed through non-VISA networks without cardholder PIN validation. IN CASE OF ERRORS OR IF YOU HAVE QUESTIONS ABOUT ELECTRONIC TRANSFERS. Telephone Us at the telephone number shown in this Agreement, or write to Us at the address shown in this Agreement as soon as You can, if You think Your statement or receipt is wrong or if You need more information about a transaction listed on the statement or receipt. We must hear from You no later than 60 days after We send You the first statement on which the problem or error appeared.

LIABILITY FOR UNAUTHORIZED USE. Telephone Us at once at the telephone number shown in this Agreement or write to Us at the address shown in this Agreement, Agreement if You believe Your Card Card, PIN or PIN Access Code have been lost or stolen stolen, or if you believe that an electronic fund transfer has been made without Your permission using information from Your check. Telephoning is the best way of keeping Your possible losses down. You could lose all of the money in Your Account (plus Your maximum overdraft line of credit, if applicable). If You tell us within 2 two business days after You learn of the loss or theft of Your Card or PIN, You can lose no more than $50 50.00 if someone uses Your Card or PIN without Your permission. If You fail to tell Us within 2 two business days after You learn of the loss or theft of Your Card or PIN and We can prove that We could have stopped someone from using Your Card or PIN without Your permission if You had told Us, then You could lose as much as $500500.00. Additionally, if Your periodic statement shows transactions transfers that You did not make, including those made by Card, PIN or other means, You will tell Us at once. If You fail to tell Us within 60 days after We mail You the first periodic statementstatement on which the transfer appears, You could lose the entire Account balance if We can prove We could have stopped someone from taking Your money if You had given Us notice in time. If a valid reason (such as a long trip or hospital stay) keeps You from giving Us notice, We will extend the time periods. Exception: You will have no liability for unauthorized use for Your CME VISA Debit Great Card as long as You report the loss or theft of Your CME VISA Debit Great Card within 2 two business days. If You report such loss or theft after two business days, or provide proper notification of other unauthorized CME VISA Great Card transactions, Your liability for unauthorized use will not exceed $50.00. These exceptions do not apply to: (a) to transactions that originate originating at an ATM; ATM or (b) transactions that originate from Your gross negligence; or (c) transactions that originate from Your negligence and/or fraudulent use of Your CME VISA Debit Great Card; or (d) transactions processed through non-VISA networks without cardholder PIN validation. IN CASE OF ERRORS OR IF YOU HAVE QUESTIONS ABOUT ELECTRONIC TRANSFERS. Telephone Call Us at the telephone number shown in this Agreement, Agreement or write to Us at the address shown in this Agreement as soon as You can, if You think Your statement or receipt is wrong or if You need more information about a transaction listed on the statement or receipt. We must hear from You no later than 60 days after We send You the first statement on which the problem or error appeared.

LIABILITY FOR UNAUTHORIZED USE. Telephone Us at once at the telephone number shown in this Agreement (000) 000-0000 or write to Us at the address shown in this Agreement, Agreement if You believe Your Card Card, PIN or PIN Access Code have been lost or stolen stolen, or if you believe that an electronic fund transfer has been made without Your permission using information from Your check. Telephoning is the best way of keeping Your possible losses down. You could lose all of the money in Your Account (plus Your maximum overdraft line of credit, if applicable). If You tell us within 2 two business days after You learn of the loss or theft of Your Card or PIN, You can lose no more than $50 50.00 if someone uses Your Card or PIN without Your permission. If You fail to tell Us within 2 two business days after You learn of the loss or theft of Your Card or PIN and We can prove that We could have stopped someone from using Your Card or PIN without Your permission if You had told Us, then You could lose as much as $500500.00. Additionally, if Your periodic statement shows transactions transfers that You did not make, including those made by Card, PIN or other means, You will tell Us at once. If You fail to tell Us within 60 days after We mail You the first periodic statementstatement on which the transfer appears, You could lose may not get back any money You lost after the entire Account balance 60 days if We can prove We could have stopped someone from taking Your money if You had given Us notice in time. If a valid reason (such as a long trip or hospital stay) keeps You from giving Us notice, We will extend the time periods. Exception: You will have no liability for unauthorized use for of Your VISA Debit Card as long as You report the loss or theft of Your VISA Debit Card within 2 two business days. These exceptions do This exception does not apply to: (a) to transactions that originate at an ATM; or (b) transactions that originate resulting from Your gross negligence; or (c) transactions that originate from Your negligence and/or fraudulent use of Your VISA Debit Card; or (d) transactions processed through non-VISA networks without cardholder PIN validation. IN CASE OF ERRORS OR IF YOU HAVE QUESTIONS ABOUT ELECTRONIC TRANSFERS. Telephone Call Us at the telephone number shown in this Agreement, (000) 000-0000 or write to Us at the address shown in this Agreement as soon as You can, if You think Your statement or receipt is wrong or if You need more information about a transaction listed on the statement Our investigation. If We ask You to put Your complaint or receiptquestion in writing and We do not receive it within 10 business days, We may not credit Your Account. We must hear from will tell You no later than 60 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. You may ask for copies of the documents that We used in Our investigation. If We have credited Your Account with funds while investigating an error, We will charge Your Account for those funds if We conclude no error has occurred. In this provision, all references to 10 business days will be 20 business days if Your notice of error involves an electronic fund transfer that occurred within 30 days after the first statement on which deposit to Your Account was made and all references to 45 business days will be 90 business days if Your notice of error involves an electronic fund transfer that: (a) was not initiated within a state; (b) resulted from a point-of-sale debit card transaction; or (c) if Your notice of error involves an electronic fund transfer that occurred within 30 days after the problem or error appearedfirst deposit to Your Account was made.

LIABILITY FOR UNAUTHORIZED USE. Telephone Us at once at the telephone number shown in this Agreement (000) 000-0000 or write to Us at the address shown in this Agreement, Agreement if You believe Your Card Card, PIN or PIN Access Code have been lost or stolen stolen, or if you You believe that an electronic fund transfer has been made without Your permission using information from Your check. Telephoning is the best way of keeping Your possible losses down. You could lose all of the money in Your Account (plus Your maximum overdraft line of credit, if applicable). If You tell us Us within 2 two business days after You learn of the loss or theft of Your Card or PIN, You can lose no more than $50 50.00 if someone uses Your Card or PIN without Your permission. If You fail to tell Us within 2 two business days after You learn of the loss or theft of Your Card or PIN and We can prove that We could have stopped someone from using Your Card or PIN without Your permission if You had told Us, then You could lose as much as $500500.00. Additionally, if Your periodic statement shows transactions transfers that You did not make, including those made by Card, PIN or other means, You will tell Us at once. If You fail to tell Us within 60 days after We mail You the first periodic statementstatement on which the transfer appears, You could lose may not get back any money You lost after the entire Account balance 60 days if We can prove We could have stopped someone from taking Your money if You had given Us notice in time. If a valid reason (such as a long trip or hospital stay) keeps You from giving Us notice, We will extend the time periods. Exception: You will have no liability for unauthorized use for Your VISA Debit Card as long as You report the loss or theft of Your VISA Debit Card within 2 two business days. If You report such loss or theft after two business days, or provide proper notification of other unauthorized VISA Debit Card transactions, Your liability for unauthorized use will not exceed $50.00. These exceptions do not apply to: (a) to transactions that originate originating at an ATM; ATM or (b) transactions that originate from Your gross negligence; or (c) transactions that originate from Your negligence and/or fraudulent use of Your VISA Debit Check Card; or (d) transactions processed through non-VISA networks without cardholder PIN validation. IN CASE OF ERRORS OR IF YOU HAVE QUESTIONS ABOUT ELECTRONIC TRANSFERS. Telephone Call Us at the telephone number shown in this Agreement, (000) 000-0000 or write to Us at the address shown in this Agreement as soon as You can, if You think Your statement or receipt is wrong or if You need more information about a transaction listed on the statement or receipt. We must hear from You no later than 60 days after We send You the first statement on which the problem or error appeared.

LIABILITY FOR UNAUTHORIZED USE. Telephone Us at once at the telephone number shown in this Agreement (000) 000-0000 or (000) 000-0000, or write to Us at the address shown in this Agreement, Agreement if You believe Your Card or PIN have been lost or stolen stolen, or if you believe that an electronic fund transfer has been made without Your permission using information from Your check. Telephoning is the best way of keeping Your possible losses down. You could lose all of the money in Your Account (plus Your maximum overdraft line of credit, if applicable). If You tell us within 2 two business days after You learn of the loss or theft of Your Card or PIN, You can lose no more than $50 50.00 if someone uses Your Card or PIN without Your permission. If You fail to tell Us within 2 two business days after You learn of the loss or theft of Your Card or PIN and We can prove that We could have stopped someone from using Your Card or PIN without Your permission if You had told Us, then You could lose as much as $500500.00. Additionally, if Your periodic statement shows transactions transfers that You did not make, including those made by Card, PIN, or other means, You will tell Us at once. If You fail to tell Us within 60 days after We mail You the first periodic statementstatement on which the transfer appears, You could lose the entire Account balance if We can prove We could have stopped someone from taking Your money if You had given Us notice in time. If a valid reason (such as a long trip or hospital stay) keeps You from giving Us notice, We will extend the time periods. Exception: You will have no liability for the unauthorized use for Your VISA of a MasterCard Debit Card as long as You report the used reasonable care in safeguarding Your Card from loss or theft and, upon becoming aware of Your VISA Debit Card within 2 business dayssuch loss or theft, promptly report that loss or theft to the Credit Union. These exceptions do This exception does not apply toto a transaction conducted with a Card that is: (a) transactions that originate at issued to an ATMentity other than a natural person; or (b) issued for a commercial purpose, except to the extent that such exception shall apply to transactions that originate from Your gross negligenceconducted for a small-business program; or and (c) transactions issued to a person until such time as that originate from Your fraudulent use person's identity is registered by or on behalf of Your VISA Debit Card; or (d) transactions processed through non-VISA networks without cardholder PIN validationthe Credit Union in connection with such issuance, which registration may include customer identification program requirements. IN CASE OF ERRORS OR IF YOU HAVE QUESTIONS ABOUT ELECTRONIC TRANSFERS. Telephone Us at the telephone number shown in this Agreement(000) 000-0000 or (000) 000-0000, or write to Us at the address shown in this Agreement Agreement, or contact Us via e-mail at xxxxxxxxx@xxxxx.xxx, as soon as You can, if You think Your statement or receipt is wrong or if You need more information about a transaction listed on the statement or receipt. We must hear from You no later than 60 days after We send You the first statement on which the problem or error appeared.

LIABILITY FOR UNAUTHORIZED USE. Telephone Us at once at the telephone number shown in this Agreement Tell us AT ONCE if you believe your ATM or write to Us at the address shown in this Agreement, if You believe Your Debit Card or PIN any of your access codes have been lost or stolen stolen, or if you believe that an electronic fund transfer has been made without Your your permission using information from Your your check. Telephoning is the best way of keeping Your possible losses down. You could lose all of the money in Your Account (plus Your maximum overdraft line of credit, if applicable). If You tell By informing us within 2 business days after You you learn of the loss or theft of Your Card or PIN, You you can lose no more than $50 if someone uses Your Card or PIN used your password without Your your permission. If You fail to you do not tell Us us within 2 business days after You you learn of the loss or theft of Your Card or PIN your password and We we can prove that We we could have stopped someone from using Your Card or PIN your password without Your your permission if You you had told Usus, then You you could lose as much as $500. AdditionallyTelephoning is the best way of keeping your possible losses down. For cards with the Visa logo, if Your and PIN-less debit card transactions over Visa Networks (and the access codes associated with those cards): You will not be liable for any amount unless we can prove that you were negligent in the handling of your card. If you write your PIN on your Card or otherwise keep the PIN with the Card, you may be negligent. You should always save your terminal receipts, keep a record of your transactions, and reconcile your receipts with your periodic statements. If your statement shows transactions transfers that You you did not make, You will including those made by card, code or other means, tell Us us at once. If You fail to you do not tell Us us within 60 days after We mail You the periodic statementstatement was mailed to you, You could lose you may not get back any money you lost after the entire Account balance 60 days if We we can prove We that we could have stopped someone from taking Your the money if You you had given Us notice told us in time. If a valid good reason (such as a long trip or a hospital stay) keeps You kept you from giving Us noticetelling us, We will we may extend the time periods. Exception: You will have no liability are liable for unauthorized use for Your VISA Debit Card as long as You report the loss all transfers or theft of Your VISA Debit Card within 2 business dayspurchases made via your card(s), access code(s) or passwords that you authorize or allow. These exceptions do not apply to: (a) transactions that originate at an ATM; or (b) transactions that originate from Your gross negligence; or (c) transactions that originate from Your fraudulent use of Your VISA Debit Card; or (d) transactions processed through non-VISA networks without cardholder PIN validation. IN CASE OF ERRORS OR IF YOU HAVE QUESTIONS ABOUT ELECTRONIC TRANSFERS. Telephone Us at the telephone number shown in this AgreementIf you give your card, access code, or write password to Us at someone else, you are responsible for all transfers or purchases that that person makes with your card or via the address shown service that he or she accesses, even if that person uses the card or code in this Agreement as soon as a way that you did not anticipate or intend. You canmay revoke your permission for the other person to use your card by notifying us in writing, if You think Your statement and allowing us reasonable time to act on your notification. If you believe your card or receipt is wrong access code has been lost or if You need more information about a transaction listed on the statement or receipt. We must hear from You no later than 60 days after We send You the first statement on which the problem or error appeared.stolen, call:

LIABILITY FOR UNAUTHORIZED USE. Telephone Us at once at the telephone number shown in this Agreement (000) 000-0000 or (800) 952-PGCU or write to Us at the address shown in this Agreement, Agreement if You believe Your Card Card, PIN or PIN Access Code have been lost or stolen stolen, or if you You believe that an electronic fund transfer has been made without Your permission using information from Your check. Telephoning is the best way of keeping Your possible losses down. You could lose all of the money in Your Account (plus Your maximum overdraft line of credit, if applicable). If You tell us Us within 2 two business days after You learn of the loss or theft of Your Card or PIN, You can lose no more than $50 50.00 if someone uses Your Card or PIN without Your permission. If You fail to tell Us within 2 two business days after You learn of the loss or theft of Your Card or PIN and We can prove that We could have stopped someone from using Your Card or PIN without Your permission if You had told Us, then You could lose as much as $500500.00. Additionally, if Your periodic statement shows transactions transfers that You did not make, including those made by Card, PIN or other means, You will tell Us at once. If You fail to tell Us within 60 days after We mail You the first periodic statementstatement on which the transfer appears, You could lose the entire Account balance if We can prove We could have stopped someone from taking Your money if You had given Us notice in time. If a valid reason (such as a long trip or hospital stay) keeps You from giving Us notice, We will extend the time periods. Exception: You will have no liability for unauthorized use for Your VISA ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE (continued) Debit Card as long as You report the loss or theft of Your VISA Debit Card within 2 two business days. If You report such loss or theft after two business days, or provide proper notification of other unauthorized Debit Card transactions, Your liability for unauthorized use will not exceed $50.00. These exceptions do not apply to: (a) transactions that originate at an ATM; or (b) transactions that originate from Your gross negligence; or (c) transactions that originate from Your fraudulent use of Your VISA Debit Card; or (d) transactions processed through non-VISA networks (e.g. ACCEL/Exchange, Debit MasterCard, COOP, NYCE, PULSE and STAR) without cardholder PIN validation. IN CASE OF ERRORS OR IF YOU HAVE QUESTIONS ABOUT ELECTRONIC TRANSFERS. Telephone Call Us at the telephone number shown in this Agreement, (000) 000-0000 or (800) 952-PGCU or write to Us at the address shown in this Agreement as soon as You can, if You think Your statement or receipt is wrong or if You need more information about a transaction listed on the statement or receipt. We must hear from You no later than 60 days after We send You the first statement on which the problem or error appeared.

LIABILITY FOR UNAUTHORIZED USE. Telephone Us at once at You may be liable for the telephone number shown in this Agreement or write to Us at the address shown in this Agreement, if You believe Your Card or PIN have been lost or stolen or if you believe that an electronic fund transfer has been made without Your permission using information from Your check. Telephoning is the best way unauthorized use 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)your Card. If You tell us within 2 business days after You learn of you notice the loss or theft of Your your Card or PIN, You can lose no more than $50 if someone uses Your Card or PIN without Your permission. If You fail to tell Us within 2 business days after You learn of the loss or theft of Your Card or PIN and We can prove that We could have stopped someone from using Your Card or PIN without Your permission if You had told Us, then You could lose as much as $500. Additionally, if Your periodic statement shows transactions that You did not make, You will tell Us at once. If You fail to tell Us within 60 days after We mail You the periodic statement, You could lose the entire Account balance if We can prove We could have stopped someone from taking Your money if You had given Us notice in time. If a valid reason (such as a long trip or hospital stay) keeps You from giving Us notice, We will extend the time periods. Exception: You will have no liability for possible unauthorized use for Your VISA Debit Card as long as You report the loss or theft of Your VISA Debit Card within 2 business days. These exceptions do not apply toyour Card, you should call 1st Community Federal Credit Union at: (a000) transactions that originate 000-0000. You may also write to us at an ATM; or (b) transactions that originate from Your gross negligence; or (c) transactions that originate from Your fraudulent use 1st Community Federal Credit Union, 0000 Xxxxxxxxx XX., Xxx Xxxxxx, XX 00000. Although you may write to notify us of Your VISA Debit Card; or (d) transactions processed through non-VISA networks without cardholder PIN validation. IN CASE OF ERRORS OR IF YOU HAVE QUESTIONS ABOUT ELECTRONIC TRANSFERS. Telephone Us unauthorized use, calling us immediately at the telephone number shown above is the best way to keep your possible losses down. Under VISA’s zero liability policy, you will not be liable for unauthorized use of your VISA Card once you notify us orally or in this Agreementwriting of the loss, theft, or write possible unauthorized use. VISA’s zero liability policy does not apply if you are grossly negligent or fraudulent in the handling of your Account or your Card, nor does it apply in the case of cash advances obtained at an ATM. You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your notice to Us at us. In any case, your liability will not exceed $50.00. SECURITY: YOU SPECIFICALLY GRANT US A CONSENSUAL SECURITY INTEREST IN ALL INDIVIDUAL AND JOINT ACCOUNTS YOU HAVE WITH US NOW AND IN THE FUTURE TO SECURE REPAYMENT OF CREDIT EXTENSIONS MADE UNDER THIS AGREEMENT. THE GRANTING OF THIS SECURITY INTEREST IS A CONDITION FOR THE ISSUANCE OF ANY CARD THAT YOU MAY USE, DIRECTLY OR INDIRECTLY, TO OBTAIN EXTENSIONS OF CREDIT UNDER THIS AGREEMENT. YOU AUTHORIZE THE CREDIT UNION TO TAKE FUNDS AND APPLY IT TO WHAT YOU OWE IF YOU ARE IN DEFAULT Shares and deposits in an Individual Retirement Account or any other account that would lose special tax treatment under state or federal law if given as security are not subject to the address shown in this Agreement as soon as You can, if You think Your statement or receipt is wrong or if You need more information about a transaction listed on the statement or receipt. We must hear from You no later than 60 days after We send You the first statement on which the problem or error appearedsecurity interest you are giving.

LIABILITY FOR UNAUTHORIZED USE. Telephone Us at once at the telephone number shown in this Agreement (000) 000-0000 or write to Us at the address shown in this Agreement0000 Xxx Xxxxx Xxxx, Xxxxxxxxx, XX 00000 if You believe Your Card or PIN have been lost or stolen or if you You believe that an electronic fund transfer has been made without Your permission using information from Your check. Telephoning is the best way of keeping Your possible losses down. You could lose all of the money in Your Account (plus Your maximum overdraft line of credit, if applicable). If You tell us Us within 2 business days after You learn of the loss or theft of Your Card or PIN, You can lose no more than $50 50.00 if someone uses Your Card or PIN without Your permission. If You fail to tell Us within 2 business days after You learn of the loss or theft of Your Card or PIN and We can prove that We could have stopped someone from using Your Card or PIN without Your permission if You had told Us, then You could lose as much as $500500.00. AdditionallyAlso, if Your periodic statement shows transactions transfers that You did not make, including those made by Card, PIN or other means, You will tell Us at once. If You fail to do not tell Us within 60 days after We mail You the periodic statementstatement was mailed to You, You could lose may not get back any money You lost after the entire Account balance 60 days if We can prove that We could have stopped someone from taking Your the money if You had given told Us notice in time. If a valid reason (such as a long trip or hospital stay) keeps You from giving Us notice, We will extend the time periods. Exception: You will have no liability for unauthorized use for Your VISA MasterCard Debit Card as long as You report the loss or theft of Your VISA MasterCard Debit Card within 2 business days. These exceptions do not apply to: (a) transactions that originate at an ATM; or (b) transactions that originate from Your gross negligence; or (c) transactions that originate from Your fraudulent use of Your VISA MasterCard Debit Card; or (d) transactions processed through non-VISA non- MasterCard networks without cardholder PIN validation. IN CASE OF ERRORS OR IF YOU HAVE QUESTIONS ABOUT ELECTRONIC TRANSFERS. Telephone Us at the telephone number shown in this Agreement, (000) 000-0000 or write to Us at the address shown in this Agreement 0000 Xxx Xxxxx Xxxx, Xxxxxxxxx, XX 00000 as soon as You can, if You think Your statement or receipt is wrong or if You need more information about a transaction listed on the statement or receipt. We must hear from You no later than 60 days after We send You the first statement on which the problem or error appeared.

LIABILITY FOR UNAUTHORIZED USE. Telephone Us at once at the telephone number shown in this Agreement (000) 000-0000 or (000) 000-0000 or write to Us at the address shown in this Agreement, Agreement if You believe Your Card Card, PIN, or PIN Access Code have been lost or stolen stolen, or if you You believe that an electronic fund transfer has been made without Your permission using information from Your check. To report a lost or stolen Visa Debit Card, PIN, Access Code, or any combination thereof after hours, on weekends and holidays, Visa Debit Card Accountholders must call (000) 000-0000. When reporting a lost or stolen Card, PIN, Access Code, or any combination thereof, You must provide all pertinent information including, but not limited to, Your Card number. 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 Us within 2 two (2) business days after You learn of the loss or theft of Your Card or PIN, You can lose no more than $50 50.00 if someone uses Your Card or PIN without Your permission. If You fail to tell Us within 2 business days after You learn of the loss or theft of Your Card or PIN and We can prove that We could have stopped someone from using Your Card or PIN without Your permission if You had told Us, then You could lose as much as $500500.00. Additionally, if Your periodic statement shows transactions transfers that You did not make, including those made by Card, PIN or other means, You will tell Us at once. If You fail to tell Us within 60 days after We mail You the first periodic statementstatement on which the transfer appears, You could lose the entire Account balance if We can prove We could have stopped someone from taking Your money if You had given Us notice in time. If a valid reason (such as a long trip or hospital stay) keeps You from giving Us notice, We will extend the time periods. Exception: You will have no liability for unauthorized use for Your VISA Visa Debit Card as long as You report the loss or theft of Your VISA Visa Debit Card within 2 business days. If You report such loss or theft after 2 business days, or provide proper notification of other unauthorized Visa Debit Card transactions, Your liability for unauthorized use will not exceed $50.00. These exceptions do not apply to: (a) to transactions that originate originating at an ATM; ATM or (b) transactions that originate from Your gross negligence; or (c) transactions that originate from Your negligence and/or fraudulent use of Your VISA Visa Debit Card; or (d) transactions processed through non-VISA networks without cardholder PIN validation. IN CASE OF ERRORS ERRORS, OR IF YOU HAVE QUESTIONS ABOUT ELECTRONIC TRANSFERS. Telephone Call Us at the telephone number shown in this Agreement, (000) 000-0000 or (000) 000-0000 or write to Us at the address shown in this Agreement as soon as You can, can if You think Your statement or receipt is wrong or if You need more information about a transaction listed on the statement or receipt. We must hear from You no later than 60 days after We send You the first statement on which the problem or error appeared. • Tell Us Your name and Account number. • 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. If You tell Us orally, We may require that You send Us Your complaint or question in writing within 10 business days. We will determine whether an error occurred within 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 45 days to investigate Your complaint or question. If We decide to do this, We will credit Your Account within 10 business days 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 within three business days after completing Our investigation. 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 We have credited Your Account with funds while investigating an error, We will charge Your Account for those funds if We conclude no error has occurred. In this provision, all references to 10 business days will be 20 business days if Your notice of error involves an electronic fund transfer that occurred within 30 days after the first deposit to Your Account was made and all references to 45 business days will be 90 business days if Your notice of error involves an electronic fund transfer that: (a) was not initiated within a state; (b) resulted from a point-of-sale debit card transaction; or (c) if Your notice of error involves an electronic fund transfer that occurred within 30 days after the first deposit to Your Account was made.

LIABILITY FOR UNAUTHORIZED USE. Telephone Us at once at the telephone number shown in this Agreement or write to Us at the address shown in this Agreement, Agreement if You believe Your Card or PIN have been lost or stolen or if you believe that an electronic fund transfer has been made without Your permission using information from Your check. Telephoning is the best way of keeping Your possible losses down. You could lose all of the money in Your Account (plus Your maximum overdraft line of credit, if applicable). If You tell us within 2 business days after You learn of the loss or theft of Your Card or PIN, You can lose no more than $50 50.00 if someone uses Your Card or PIN without Your permission. If You fail to tell Us within 2 business days after You learn of the loss or theft of Your Card or PIN and We can prove that We could have stopped someone from using Your Card or PIN without Your permission if You had told Us, then You could lose as much as $500500.00. Additionally, if Your periodic statement shows transactions that You did not make, You will tell Us at once. If You fail to tell Us within 60 days after We mail You the periodic statement, You could lose the entire Account balance if We can prove We could have stopped someone from taking Your money if You had given Us notice in time. If a valid reason (such as a long trip or hospital stay) keeps You from giving Us notice, We will extend the time periods. Exception: You will have no liability for unauthorized use for Your VISA Debit Card MasterCard as long as You report the loss or theft of Your VISA Debit Card MasterCard within 2 business days. These exceptions do not apply to: (a) transactions that originate at an ATM; or (b) transactions that originate from Your gross negligence; or (c) transactions that originate from Your fraudulent use of Your VISA Debit CardMasterCard; or (d) transactions processed through non-VISA MasterCard networks without cardholder PIN validation. IN CASE OF ERRORS OR IF YOU HAVE QUESTIONS ABOUT ELECTRONIC TRANSFERS. Telephone Us at the telephone number shown in this Agreement, or write to Us at the address shown in this Agreement as soon as You can, if You think Your statement or receipt is wrong or if You need more information about a transaction listed on the statement or receipt. We must hear from You no later than 60 days after We send You the first statement on which the problem or error appeared.

LIABILITY FOR UNAUTHORIZED USE. Telephone Us at once at the telephone number shown in this Agreement (000) 000-0000 or VISA Card Services at (000) 000-0000, or write to Us at the address shown in this Agreement, if You believe Your Card or PIN have been lost or stolen or if you believe that an electronic fund transfer has been made without Your permission using information from Your check. Telephoning is the best way of keeping Your possible losses down. You could lose all of the money in Your Account (plus Your maximum overdraft line of credit, if applicable). If You tell us within 2 two business days after You learn of the loss or theft of Your Card or PIN, You can lose no more than $50 50.00 if someone uses Your Card or PIN without Your permission. If You fail to tell Us within 2 two business days after You learn of the loss or theft of Your Card or PIN and We can prove that We could have stopped someone from using Your Card or PIN without Your permission if You had told Us, then You could lose as much as $500500.00. Additionally, if Your periodic statement shows transactions that You did not make, You will tell Us at once. If You fail to tell Us within 60 days after We mail You the periodic statement, You could lose the entire Account balance if We can prove We could have stopped someone from taking Your money if You had given Us notice in time. If a valid reason (such as a long trip or hospital stay) keeps You from giving Us notice, We will extend the time periods. Exception: You will have no liability for unauthorized use for Your VISA Debit Card as long as You report the loss or theft of Your VISA Debit Card within 2 two business days. These exceptions do not apply to: (a) transactions that originate at an ATM; or (b) transactions that originate from Your gross negligence; or (c) transactions that originate from Your fraudulent use of Your VISA Debit Card; or (d) transactions processed through non-VISA networks without cardholder PIN validation. IN CASE OF ERRORS OR IF YOU HAVE QUESTIONS ABOUT ELECTRONIC TRANSFERS. Telephone Us at the telephone number shown in this Agreement(000) 000-0000 or VISA Card Services at (800) 289- 5939, or write to Us at the address shown in this Agreement as soon as You can, if You think Your statement or receipt is wrong or if You need more information about a transaction listed on the statement or receipt. We must hear from You no later than 60 days after We send You the first statement on which the problem or error appeared.

LIABILITY FOR UNAUTHORIZED USE. Telephone Us at once at the telephone number shown in this Agreement 000.000.0000 or write to Us at the address shown in this Agreement0000 X Xxxxxxx Xxxxxx, Xxxxxxxx, XX 00000 if You believe Your Card or PIN have been lost or stolen or if you You believe that an electronic fund transfer has been made without Your permission using information from Your check. Telephoning is the best way of keeping Your possible losses down. You could lose all of the money in Your Account (plus Your maximum overdraft line of credit, if applicable). If You tell us Us within 2 business days after You learn of the loss or theft of Your Card or PIN, You can lose no more than $50 50.00 if someone uses Your Card or PIN without Your permission. If You fail to tell Us within 2 business days after You learn of the loss or theft of Your Card or PIN and We can prove that We could have stopped someone from using Your Card or PIN without Your permission if You had told Us, then You could lose as much as $500500.00. AdditionallyAlso, if Your periodic statement shows transactions transfers that You did not make, including those made by Card, PIN or other means, You will tell Us at once. If You fail to do not tell Us within 60 days after We mail You the periodic statementstatement was mailed to You, You could lose may not get back any money You lost after the entire Account balance 60 days if We can prove that We could have stopped someone from taking Your the money if You had given told Us notice in time. If a valid reason (such as a long trip or hospital stay) keeps You from giving Us notice, We will extend the time periods. Exception: You will have no liability for unauthorized use for of Your VISA Debit Card as long as You report the loss or theft of Your VISA Debit Card within 2 business days. These exceptions do not apply to: (a) transactions that originate at an ATM; or (b) transactions that originate from Your gross negligence; or (c) transactions that originate from Your fraudulent use of Your VISA Debit Card; or (d) transactions processed through non-VISA networks without cardholder PIN validation. IN CASE OF ERRORS OR IF YOU HAVE QUESTIONS ABOUT ELECTRONIC TRANSFERS. Telephone Us at the telephone number shown in this Agreement000.000.0000, or write to Us at the address shown in this Agreement 0000 X Xxxxxxx Avenue, Redlands, CA 92374 as soon as You can, if You think Your statement or receipt is wrong or if You need more information about a transaction listed on the statement or receipt. We must hear from You no later than 60 days after We send You the first statement on which the problem or error appeared.

LIABILITY FOR UNAUTHORIZED USE. Telephone Us at once at the telephone number shown (000) 000-0000 in this Agreement Philadelphia or (800) 832-PFCU in other areas or write to Us at the address shown in this AgreementPhiladelphia Federal Credit Union, 00000 Xxxxxxxx Xxxx, Philadelphia, PA 19154-1003 if You believe Your Card or PIN have been lost or stolen stolen, or if you You believe that an electronic fund transfer has been made without Your permission using information from Your check. Telephoning is the best way of keeping Your possible losses down. You could lose all of the money in Your Account (plus Your maximum overdraft line of credit, if applicable). If You tell us Us within 2 two business days after You learn of the loss or theft of Your Card or PIN, You can lose no more than $50 50.00 if someone uses Your Card or PIN without Your permission. If You fail to tell Us within 2 two business days after You learn of the loss or theft of Your Card or PIN and We can prove that We could have stopped someone from using Your Card or PIN without Your permission if You had told Us, then You could lose as much as $500500.00. Additionally, if Your periodic statement shows transactions transfers that You did not make, including those made by Card, PIN or other means, You will tell Us at once. If You fail to tell Us within 60 days after We mail You the first periodic statementstatement on which the transfer appears, You could lose may not get back any money You lost after the entire Account balance 60 days if We can prove We could have stopped someone from taking Your money if You had given Us notice in time. If a valid reason (such as a long trip or hospital stay) keeps You from giving Us notice, We will extend the time periods. Exception: You will have no liability for unauthorized use for Your VISA Debit Check Card as long as You report the loss or theft of Your VISA Debit Check Card within 2 two business days. If You report such loss or theft after two business days, or provide proper notification of other unauthorized Check Card transactions, Your liability for ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE (continued) unauthorized use will not exceed $50.00. These exceptions do not apply to: (a) to transactions that originate originating at an ATM; ATM or (b) transactions that originate from Your gross negligence; or (c) transactions that originate from Your negligence and/or fraudulent use of Your VISA Debit Check Card; or (d) transactions processed through non-VISA networks without cardholder PIN validation. IN CASE OF ERRORS OR IF YOU HAVE QUESTIONS ABOUT ELECTRONIC TRANSFERS. Telephone Us at the telephone number shown once at (000) 000-0000 in this Agreement, Philadelphia or (800) 832- PFCU in other areas or write to Us at the address shown in this Agreement Philadelphia Federal Credit Union, 00000 Xxxxxxxx Xxxx, Philadelphia, PA 19154-1003 as soon as You can, if You think Your statement or receipt is wrong or if You need more information about a transaction listed on the statement or receipt. We must hear from You no later than 60 days after We send You the first statement on which the problem or error appeared.

LIABILITY FOR UNAUTHORIZED USE. Telephone Us at once at You will be liable for unauthorized use of your Card to the telephone number shown in this Agreement or write extent allowed by applicable federal and state law. You agree that if you give your PIN and/or debit card to Us at someone else to use, you are authorizing them to act on your behalf and you will be responsible for any use of the address shown in this Agreement, card by them. The following is a description of your liability for unauthorized use of your Card: Tell us AT ONCE if You you believe Your your Card or PIN have has been lost or stolen or if you believe that an electronic fund transfer has been made without Your permission using information from Your checkstolen. Telephoning is the best way of keeping Your your possible losses down. You could lose all of the money in Your Account (plus Your maximum overdraft line of credit, if applicable)your accounts. If You your Card has been lost or stolen and you tell us within 2 business days after You you learn of the loss or theft of Your Card or PINtheft, You you can lose no more than $50 if someone uses Your used your Card or PIN without Your your permission. If You fail to you do NOT tell Us us within 2 business days after You you learn of the loss or theft of Your Card or PIN your Card, and We we can prove that We we could have stopped someone from using Your your Card or PIN without Your your permission if You you had told Usus, then You you could lose as much as $500. AdditionallyAlso, if Your periodic our statement shows transactions transfers that You you did not make, You will tell Us us at once. If You fail to you do not tell Us us within 60 days after We mail You the periodic statementstatement was mailed to you, You could lose you may not get back any money you lost after the entire Account balance 60 days if We we can prove We that we could have stopped someone from taking Your the money if You you had given Us notice told us in time. If a valid good reason (such as a long trip or hospital stay) keeps You kept you from giving Us noticetelling us, We will we may extend the time periods. Exception: You will have no Your liability for unauthorized use for Your VISA Debit may be more limited in certain cases under applicable state law. If you believe that your Card as long as You report the loss has been lost or theft of Your VISA Debit Card within 2 business days. These exceptions do not apply to: (a) transactions stolen, or that originate someone has transferred or may transfer money from your designated accounts without your permission, call us at an ATM000-000-0000 or 0-000-000-0000; or (b) transactions that originate from Your gross negligence; or (c) transactions that originate from Your fraudulent use of Your VISA Debit Card; or (d) transactions processed through nonafter business hours at 000-VISA networks without cardholder PIN validation. IN CASE OF ERRORS OR IF YOU HAVE QUESTIONS ABOUT ELECTRONIC TRANSFERS. Telephone Us at the telephone number shown in this Agreement, 000-0000 or write to Us U1CU, Attn: Card Services, PO Box 467, Dayton, OH 45409. Possession of a U1 Visa debit card is a privilege which may be revoked at any time. U1 may not replace a lost or stolen debit card if the address shown lost or stolen card resulted in this Agreement as soon as You cana financial loss to the Credit Union. If a replacement card is issued for lost, if You think Your statement stolen or receipt is wrong or if You need more information about captured cards, your account may be assessed a transaction listed on fee for the statement or receiptreplacement card and for a PIN replacement. We must hear from You no later than 60 days after We send You the first statement on which the problem or error appearedSee General Fee Schedule.

LIABILITY FOR UNAUTHORIZED USE. Telephone Us at once at the telephone number shown in this Agreement (000) 000-0000 or write to Us at the address shown in this Agreement, Agreement if You believe Your Card Card, PIN or PIN Access Code have been lost or stolen stolen, or if you You believe that an electronic fund transfer has been made without Your permission using information from Your check. Telephoning is the best way of keeping Your possible losses down. You could lose all of the money in Your Account (plus Your maximum overdraft line of credit, if applicable). If You tell us Us within 2 two business days after You learn of the loss or theft of Your Card or PIN, You can lose no more than $50 50.00 if someone uses Your Card or PIN without Your permission. If You fail to tell Us within 2 two business days after You learn of the loss or theft of Your Card or PIN and We can prove that We could have stopped someone from using Your Card or PIN without Your permission if You had told Us, then You could lose as much as $500500.00. Additionally, if Your periodic statement shows transactions transfers that You did not make, including those made by Card, PIN or other means, You will tell Us at once. If You fail to tell Us within 60 days after We mail You the first periodic statementstatement on which the transfer appears, You could lose the entire Account balance if We can prove We could have stopped someone from taking Your money if You had given Us notice in time. If a valid reason (such as a long trip or hospital stay) keeps You from giving Us notice, We will extend the time periods. Exception: You will have no liability for unauthorized use for of Your VISA Mastercard Debit Card as long as You report the loss or theft of Your VISA Mastercard Debit Card within 2 two business days. If You report such loss or theft after two business days, or provide proper notification of other unauthorized Mastercard Debit Card transactions, Your liability for unauthorized use will not exceed $50.00. These exceptions do not apply to: (a) to transactions that originate originating at an ATM; ATM or (b) transactions that originate from Your gross negligence; or (c) transactions that originate from Your negligence and/or fraudulent use of Your VISA Mastercard Debit Card; or (d) transactions processed through non-VISA networks without cardholder PIN validation. IN CASE OF ERRORS OR IF YOU HAVE QUESTIONS ABOUT ELECTRONIC TRANSFERS. Telephone Call Us at the telephone number shown in this Agreement, (000) 000-0000 or write to Us at the address shown in this Agreement as soon as You can, if You think Your statement or receipt is wrong or if You need more information about a transaction listed on the statement or receipt. We must hear from You no later than 60 days after We send You the first statement on which the problem or error appeared.

LIABILITY FOR UNAUTHORIZED USE. Telephone Us at once at the telephone number shown in this Agreement or write to Us at the address shown in this Agreement, Agreement if You believe Your Card or PIN have been lost or stolen or if you believe that an electronic fund transfer has been made without Your permission using information from Your check. Telephoning is the best way of keeping Your possible losses down. You could lose all of the money in Your Account (plus Your maximum overdraft line of credit, if applicable). If You tell us within 2 two business days after You learn of the loss or theft of Your Card or PIN, You can lose no more than $50 50.00 if someone uses Your Card or PIN without Your permission. If You fail to tell Us within 2 two business days after You learn of the loss or theft of Your Card or PIN and We can prove that We could have stopped someone from using Your Card or PIN without Your permission if You had told Us, then You could lose as much as $500500.00. AdditionallyAlso, if Your periodic statement shows transactions transfers that You did not make, including those made by Card, PIN or other means, You will tell Us at once. If You fail to do not tell Us within 60 days after We mail You the periodic statementstatement was mailed to You, You could lose may not get back any money You lost after the entire Account balance 60 days if We can prove that We could have stopped someone from taking Your the money if You had given told Us notice in time. If a valid reason (such as a long trip or hospital stay) keeps You from giving Us notice, We will extend the time periods. Exception: You will have no liability for unauthorized use for Your VISA PFFCU Debit Card as long as You report the loss or theft of Your VISA PFFCU Debit Card within 2 two business days. These exceptions do not apply to: (a) transactions that originate at an ATM; or (b) transactions that originate from Your gross negligence; or (c) transactions that originate from Your fraudulent use of Your VISA PFFCU Debit Card; or (d) transactions processed through non-non- VISA networks without cardholder PIN validation. IN CASE OF ERRORS OR IF YOU HAVE QUESTIONS ABOUT ELECTRONIC TRANSFERS. Telephone Us at the telephone number shown in this Agreement, or write to Us at the address shown in this Agreement as soon as You can, if You think Your statement or receipt is wrong or if You need more information about a transaction listed on the statement or receipt. We must hear from You no later than 60 days after We send You the first statement on which the problem or error appeared.

LIABILITY FOR UNAUTHORIZED USE. Telephone Us at once at the telephone number shown in this Agreement or write to (719) 593-8600 xx (000) 003-1900, xx xxxxx xo Us at the address shown in this Agreement, Agreement if You believe Your Card or PIN have been lost or stolen stolen, or if you believe that an electronic fund transfer has been made without Your permission using information from Your check. Telephoning is the best way of keeping Your possible losses down. You could lose all of the money in Your Account (plus Your maximum overdraft line of credit, if applicable). If You tell us within 2 two business days after You learn of the loss or theft of Your Card or PIN, You can lose no more than $50 50.00 if someone uses Your Card or PIN without Your permission. If You fail to tell Us within 2 two business days after You learn of the loss or theft of Your Card or PIN and We can prove that We could have stopped someone from using Your Card or PIN without Your permission if You had told Us, then You could lose as much as $500500.00. Additionally, if Your periodic statement shows transactions transfers that You did not make, including those made by Card, PIN, or other means, You will tell Us at once. If You fail to tell Us within 60 days after We mail You the first periodic statementstatement on which the transfer appears, You could lose the entire Account balance if We can prove We could have stopped someone from taking Your money if You had given Us notice in time. If a valid reason (such as a long trip or hospital stay) keeps You from giving Us notice, We will extend the time periods. Exception: You will have no liability for the unauthorized use for Your VISA of a MasterCard Debit Card as long as You report the used reasonable care in safeguarding Your Card from loss or theft and, upon becoming aware of Your VISA Debit Card within 2 business dayssuch loss or theft, promptly report that loss or theft to the Credit Union. These exceptions do This exception does not apply toto a transaction conducted with a Card that is: (a) transactions that originate at issued to an ATMentity other than a natural person; or (b) issued for a commercial purpose, except to the extent that such exception shall apply to transactions that originate from Your gross negligenceconducted for a small-business program; or and (c) transactions issued to a person until such time as that originate from Your fraudulent use person's identity is registered by or on behalf of Your VISA Debit Card; or (d) transactions processed through non-VISA networks without cardholder PIN validationthe Credit Union in connection with such issuance, which registration may include customer identification program requirements. IN CASE OF ERRORS OR IF YOU HAVE QUESTIONS ABOUT ELECTRONIC TRANSFERS. Telephone Us at the telephone number shown in this Agreement(719) 593-8600 xx (000) 003-1900, or write to xx xxxxx xo Us at the address shown in this Agreement as soon as Agreement, or contact Us via e-mail at contactus@aaxxx.xxx, xx xxxx xx You can, if You think Your statement or receipt is wrong or if You need more information about a transaction listed on the statement or receipt. We must hear from You no later than 60 days after We send You the first statement on which the problem or error appeared.

LIABILITY FOR UNAUTHORIZED USE. Telephone Us at once at the telephone number shown in this Agreement (000) 000-0000 or (000) 000-0000 or write to Us at the address shown in this Agreement, Agreement if You believe Your Card Card, PIN, or PIN Access Code have been lost or stolen stolen, or if you You believe that an electronic fund transfer has been made without Your permission using information from Your check. To report a lost or stolen Visa Debit Card, PIN, Access Code, or any combination thereof after hours, on weekends and holidays, Visa Debit Card Accountholders must call (000) 000-0000. When reporting a lost or stolen Card, PIN, Access Code, or any combination thereof, You must provide all pertinent information including, but not limited to, Your Card number. 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 Us within 2 two (2) business days after You learn of the loss or theft of Your Card or PIN, You can lose no more than $50 50.00 if someone uses Your Card or PIN without Your permission. If You fail to tell Us within 2 business days after You learn of the loss or theft of Your Card or PIN and We can prove that We could have stopped someone from using Your Card or PIN without Your permission if You had told Us, then You could lose as much as $500500.00. Additionally, if Your periodic statement shows transactions transfers that You did not make, including those made by Card, PIN or other means, You will tell Us at once. If You fail to tell Us within 60 days after We mail You the first periodic statementstatement on which the transfer appears, You could lose the entire Account balance if We can prove We could have stopped someone from taking Your money if You had given Us notice in time. If a valid reason (such as a long trip or hospital stay) keeps You from giving Us notice, We will extend the time periods. Exception: You will have no liability for unauthorized use for Your VISA Visa Debit Card as long as You report the loss or theft of Your VISA Visa Debit Card within 2 business days. If You report such loss or theft after 2 business days, or provide proper notification of other unauthorized Visa Debit Card transactions, Your liability for unauthorized use will not exceed $50.00. These exceptions do not apply to: (a) to transactions that originate originating at an ATM; ATM or (b) transactions that originate from Your gross negligence; or (c) transactions that originate from Your negligence and/or fraudulent use of Your VISA Visa Debit Card; or (d) transactions processed through non-VISA networks without cardholder PIN validation. IN CASE OF ERRORS ERRORS, OR IF YOU HAVE QUESTIONS ABOUT ELECTRONIC TRANSFERS. Telephone Call Us at the telephone number shown in this Agreement, (000) 000-0000 or (000) 000-0000 or write to Us at the address shown in this Agreement as soon as You can, can if You think Your statement or receipt is wrong or if You need more information about a transaction listed on the statement or receipt. We must hear from You no later than 60 days after We send You the first statement on which the problem or error appeared. • Tell Us Your name and Account number. • 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. If You tell Us orally, We may require that You send Us Your complaint or question in writing within 10 business days. We will determine whether an error occurred within 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 45 days to investigate Your complaint or question. If We decide to do this, We will credit Your Account within 10 business days 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 within three business days after completing Our investigation. 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 We have credited Your Account with funds while investigating an error, We will charge Your Account for those funds if We conclude no error has occurred. In this provision, all references to 10 business days will be 20 business days if Your notice of error involves an electronic fund transfer that occurred within 30 days after the first deposit to Your Account was made and all references to 45 business days will be 90 business days if Your notice of error involves an electronic fund transfer that: (a) was not initiated within a state; (b) resulted from a point- of-sale debit card transaction; or (c) if Your notice of error involves an electronic fund transfer that occurred within 30 days after the first deposit to Your Account was made.

LIABILITY FOR UNAUTHORIZED USE. Telephone Us at once at the telephone number shown in this Agreement Agreement, or write to Us at the address shown in this Agreement, Agreement if You believe Your Card or PIN have been lost or stolen stolen. If You tell Us within two business days, You can lose no more than $50.00 if someone uses Your Card or PIN without Your permission, or if you believe that an electronic fund transfer has been made without Your permission using information from Your check. Telephoning is the best way of keeping Your possible losses down. You could lose all of the money in Your Account (plus Your maximum overdraft line of credit, if applicable). If You tell us within 2 two business days after You learn of the loss or theft of Your Card or PIN, You can lose no more than $50 50.00 if someone uses Your Card or PIN without Your permission. If You fail to tell Us within 2 two business days after You learn of the loss or theft of Your Card or PIN and We can prove that We could have stopped someone from using Your Card or PIN without Your permission if You had told Us, then You could lose as much as $500500.00. Additionally, if Your periodic statement shows transactions transfers that You did not make, including those made by Card, PIN or other means, You will tell Us at once. If You fail to tell Us within 60 days after We mail You the first periodic statementstatement on which the transfer appears, You could lose the entire Account balance if We can prove We could have stopped someone from taking Your money if You had given Us notice in time. If a valid reason (such as a long trip or hospital stay) keeps You from giving Us notice, We will extend the time periods. Exception: You will have no liability for unauthorized use for Your VISA Debit Card as long as You report the loss or theft of Your VISA Debit Card within 2 two business days. If You report such loss or theft after two business days, or provide proper notification of other unauthorized VISA Debit Card transactions, Your liability for unauthorized use will not exceed $50.00. These exceptions do not apply to: (a) to transactions that originate originating at an ATM; ATM or (b) transactions that originate from Your gross negligence; or (c) transactions that originate from Your negligence and/or fraudulent use of Your VISA Debit Card; or (d) transactions processed through non-VISA networks without cardholder PIN validation. IN CASE OF ERRORS OR IF YOU HAVE QUESTIONS ABOUT ELECTRONIC TRANSFERS. Telephone Us at the telephone number shown in this Agreement, or write to Us at the address shown in this Agreement as soon as You can, if You think Your statement or receipt is wrong or if You need ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE (continued) more information about a transaction listed on the statement or receipt. We must hear from You no later than 60 days after We send You the first statement on which the problem or error appeared.

LIABILITY FOR UNAUTHORIZED USE. Telephone Us at once at the telephone number shown in this Agreement or write to Us at the address shown in this Agreement, Agreement if You believe Your Card or PIN have been lost or stolen or if you believe that an electronic fund transfer has been made without Your permission using information from Your check. Telephoning is the best way of keeping Your possible losses down. You could lose all of the money in Your Account (plus Your maximum overdraft line of credit, if applicable). If You tell us Us within 2 two business days after You learn of the loss or theft of Your Card or PIN, You can lose no more than $50 50.00 if someone uses Your Card or PIN without Your permission. If You fail to tell Us within 2 two business days after You learn of the loss or theft of Your Card or PIN and We can prove that We could have stopped someone from using Your Card or PIN without Your permission if You had told Us, then You could lose as much as $500500.00. AdditionallyAlso, if Your periodic statement shows transactions transfers that You did not make, including those made by Card, PIN or other means, You will tell Us at once. If You fail to do not tell Us within 60 days after We mail You the periodic statementstatement was mailed to You, You could lose may not get back any money You lost after the entire Account balance 60 days if We can prove that We could have stopped someone from taking Your the money if You had given told Us notice in time. If a valid reason (such as a long trip or hospital stay) keeps You from giving Us notice, We will extend the time periods. Exception: You will have no liability for unauthorized use for Your VISA PFFCU Debit Card as long as You report the loss or theft of Your VISA PFFCU Debit Card within 2 two business days. These exceptions do not apply to: (a) transactions that originate at an ATM; or (b) transactions that originate from Your gross negligence; or (c) transactions that originate from Your fraudulent use of Your VISA PFFCU Debit Card; or (d) transactions processed through non-non- VISA networks without cardholder PIN validation. IN CASE OF ERRORS OR IF YOU HAVE QUESTIONS ABOUT ELECTRONIC TRANSFERS. Telephone Us at the telephone number shown in this Agreement, or write to Us at the address shown in this Agreement as soon as You can, if You think Your statement or receipt is wrong or if You need more information about a transaction listed on the statement or receipt. We must hear from You no later than 60 days after We send You the first statement on which the problem or error appeared.

LIABILITY FOR UNAUTHORIZED USE. Telephone Us at once at the telephone number shown in this Agreement or write to Us at the address shown in this Agreement, Agreement if You believe Your Card or PIN have been lost or stolen or if you You believe that an electronic fund transfer has been made without Your permission using information from Your check. Telephoning is the best way of keeping Your possible losses down. You could lose all of the money in Your Account (plus Your maximum overdraft line of credit, if applicable). If You tell us within 2 two business days after You learn of the loss or theft of Your Card or PIN, You can lose no more than $50 50.00 if someone uses Your Card or PIN without Your permission. If You fail to tell Us within 2 two business days after You learn of the loss or theft of Your Card or PIN and We can prove that We could have stopped someone from using Your Card or PIN without Your permission if You had told Us, then You could lose as much as $500500.00. Additionally, if Your periodic statement shows transactions that You did not make, You will tell Us at once. If You fail to tell Us within 60 days after We mail You the periodic statement, You could lose the entire Account balance if We can prove We could have stopped someone from taking Your money if You had given Us notice in time. If a valid reason (such as a long trip or hospital stay) keeps You from giving Us notice, We will extend the time periods. Exception: You will have no liability for unauthorized use for Your VISA Debit Check Card as long as You report the loss or theft of Your VISA Debit Check Card within 2 two business days. These exceptions do not apply to: (a) transactions that originate at an ATM; or (b) transactions that originate from Your gross negligence; or (c) transactions that originate from Your fraudulent use of Your VISA Debit Check Card; or (d) transactions processed through non-VISA networks without cardholder PIN validation. IN CASE OF ERRORS OR IF YOU HAVE QUESTIONS ABOUT ELECTRONIC TRANSFERS. Telephone Us at the telephone number shown in this Agreement, or write to Us at the address shown in this Agreement as soon as You can, if You think Your statement or receipt is wrong or if You need more information about a transaction listed on the statement or receipt. We must hear from You no later than 60 days after We send You the first statement on which the problem or error appeared.

LIABILITY FOR UNAUTHORIZED USE. Telephone Us at once at the telephone number shown in this Agreement (000) 000-0000 during regular business hours or at (000) 000-0000 after hours, on weekends and holidays, or write to Us at the address shown in this AgreementP.O. Box 14047, Madison, WI 53714-0047 if You believe Your Card or ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE (continued) PIN have been lost or stolen stolen, or if you You believe that an electronic fund transfer has been made without Your permission using information from Your check. Telephoning is the best way of keeping Your possible losses down. You could lose all of the money in Your Account (plus Your maximum overdraft line of credit, if applicable). If You tell us Us within 2 two business days after You learn of the loss or theft of Your Card or PIN, You can lose no more than $50 50.00 if someone uses Your Card or PIN without Your permission. If You fail to tell Us within 2 two business days after You learn of the loss or theft of Your Card or PIN and We can prove that We could have stopped someone from using Your Card or PIN without Your permission if You had told Us, then You could lose as much as $500500.00. Additionally, if Your periodic statement shows transactions transfers that You did not make, including those made by Card, PIN or other means, You will tell Us at once. If You fail to tell Us within 60 days after We mail You the first periodic statementstatement on which the transfer appears, You could lose the entire Account balance if We can prove We could have stopped someone from taking Your money if You had given Us notice in time. If a valid reason (such as a long trip or hospital stay) keeps You from giving Us notice, We will extend the time periods. Exception: You will have no liability for unauthorized use for of Your VISA Debit Card as long as You report the loss or theft of Your VISA Debit Card within 2 two business days. If You report such loss or theft after two business days, or provide proper notification of other unauthorized Card transactions, Your liability for unauthorized use will not exceed $50.00. These exceptions do not apply to: (a) transactions that originate at an ATM; or (b) transactions that originate from Your gross negligence; or (c) transactions that originate from Your fraudulent use of Your VISA Debit Card; or (d) transactions processed through non-VISA networks (e.g. ACCEL/Exchange, Debit MasterCard, COOP, NYCE, PULSE and STAR) without cardholder PIN validation. IN CASE OF ERRORS OR IF YOU HAVE QUESTIONS ABOUT ELECTRONIC TRANSFERS. Telephone Us at the telephone number shown in this Agreement(000) 000-0000 during regular business hours or at (000) 000-0000 after hours, on weekends and holidays, or write to Us at the address shown in this Agreement P.O. Box 14047, Madison, WI 53714-0047 as soon as You can, if You think Your statement or receipt is wrong or if You need more information about a transaction listed on the statement or receipt. We must hear from You no later than 60 days after We send You the first statement on which the problem or error appeared.

LIABILITY FOR UNAUTHORIZED USE. Telephone Us at once at the telephone number shown in this Agreement or write to Us at the address shown in this Agreement, if You believe Your Card or PIN have been lost or stolen or if you believe that an electronic fund transfer has been made without Your permission using information from Your check. Telephoning is the best way of keeping Your possible losses down. You could lose all of the money in Your Account (plus Your maximum overdraft line of credit, if applicable). If You tell us within 2 business days after You learn of the loss or theft of Your Card or PIN, You can lose no more than $50 if someone uses Your Card or PIN without Your permission. If You fail to tell Us within 2 business days after You learn of the loss or theft of Your Card or PIN and We can prove that We could have stopped someone from using Your Card or PIN without Your permission if You had told Us, then You could lose as much as $500. Additionally, if Your periodic statement shows transactions that You did not make, You will tell Us at once. If You fail to tell Us within 60 days after We mail You the periodic statement, You could lose the entire Account balance if We can prove We could have stopped someone from taking Your money if You had given Us notice in time. If a valid reason (such as a long trip or hospital stay) keeps You from giving Us notice, We will extend the time periods. Exception: You will have no liability for unauthorized use for Your VISA MasterCard Debit Card as long as You report the loss or theft of Your VISA MasterCard Debit Card within 2 business days. These exceptions do not apply to: (a) transactions that originate at an ATM; or (b) transactions that originate from Your gross negligence; or (c) transactions that originate from Your fraudulent use of Your VISA MasterCard Debit Card; or (d) transactions processed through non-VISA MasterCard networks without cardholder PIN validation. IN CASE OF ERRORS OR IF YOU HAVE QUESTIONS ABOUT ELECTRONIC TRANSFERS. Telephone Us at the telephone number shown in this Agreement, or write to Us at the address shown in this Agreement as soon as You can, if You think Your statement or receipt is wrong or if You need more information about a transaction listed on the statement or receipt. We must hear from You no later than 60 days after We send You the first statement on which the problem or error appeared.

LIABILITY FOR UNAUTHORIZED USE. The following applies to electronic funds transfers that debit a consumer’s Account, and does not apply to non- consumer Accounts. Telephone Us at once at the telephone number shown in this Agreement or write to Us at the address shown in this Agreement, (000) 000-0000 if You believe Your Card Card, PIN or PIN Access code have been lost or stolen or if you believe that an electronic fund transfer has been made without Your permission your permission. Also if your statement shows transfers that you did not make including those made by card, code or other means, TELL US AT ONCE. You should also call the number or write to the address listed above if you believe a transfer has been made using the information from Your check. Telephoning is the best way of keeping Your possible losses down. You could lose all of the money in Your Account (plus Your maximum overdraft line of credit, if applicable)your check without your permission. If You tell us Us within 2 business days after You learn of the loss or theft of Your Card or PINdays, You can lose no more than $50 if someone uses Your Card Card, PIN or PIN Access Code without Your permission. If You fail to tell Us within 2 business days after You learn of the loss or theft of Your Card Card, PIN, or PIN Access Code, and We can prove that We could have stopped someone from using Your Card Card, PIN or PIN Access Code without Your permission if You had told Us, then You could lose as much as $500. Additionally, if If Your periodic statement shows transactions transfers that You did not didn’t make, You will tell Us at once. If ; if You fail to tell Us within 60 days after We mail You the periodic statement, You could lose the entire Account balance if We can prove We could have stopped someone from taking Your money if You had given Us notice in time. If a valid reason (such as a long trip or hospital stay) keeps You from giving Us notice, We will extend the time periods. Exception: You will have no liability for unauthorized use for Your VISA Debit Card as long as You report the loss or theft of Your VISA Debit Card within two business days. If You report such loss or theft after 2 business days, or provide proper notification of other unauthorized Debit Card transactions. Your liability for unauthorized use will not exceed $500. These exceptions do not apply to: (a) to transactions that originate at an ATM; involving Your PIN or (b) transactions that originate from Your gross negligence; or (c) transactions that originate from Your negligence and/or fraudulent use of Your VISA Debit Card; or (d) transactions processed through non-VISA networks without cardholder PIN validation. IN CASE OF ERRORS OR IF YOU HAVE QUESTIONS ABOUT ELECTRONIC TRANSFERS. Telephone Us at the telephone number shown in this Agreement, or write to Us at the address shown in this Agreement as soon as You can, if You think Your statement or receipt is wrong or if You need more information about a transaction listed on the statement or receipt. We must hear from You no later than 60 days after We send You the first statement on which the problem or error appeared.

LIABILITY FOR UNAUTHORIZED USE. Telephone Us at once at the telephone number shown in this Agreement (000) 000-0000 or write to Us at the address shown in this Agreement0000 X, Xxxxxxxxx Xxxxxx, X.X. Box 167, Sparta, WI 54656 if You believe Your Card or PIN have been lost or stolen or if you You believe that an electronic fund transfer has been made without Your permission using information from Your check. Telephoning is the best way of keeping Your possible losses down. You could lose all of the money in Your Account (plus Your maximum overdraft line of credit, if applicable). If You tell us Us within 2 two business days after You learn of the loss or theft of Your Card or PIN, You can lose no more than $50 50.00 if someone uses Your Card or PIN without Your permission. If You fail to tell Us within 2 two business days after You learn of the loss or theft of Your Card or PIN and We can prove that We could have stopped someone from using Your Card or PIN without Your permission if You had told Us, then You could lose as much as $500500.00. AdditionallyAlso, if Your periodic statement shows transactions transfers that You did not make, including those made by Card, PIN or other means, You will tell Us at once. If You fail to do not tell Us within 60 days after We mail You the periodic statementstatement was mailed to You, You could lose may not get back any money You lost after the entire Account balance 60 days if We can prove that We could have stopped someone from taking Your the money if You had given told Us notice in time. If a valid reason (such as a long trip or hospital stay) keeps You from giving Us notice, We will extend the time periods. Exception: You will have no liability for unauthorized use for Your VISA Debit Card as long as You report the loss or theft of Your VISA Debit Card within 2 two business days. These exceptions do not apply to: (a) transactions that originate at an ATM; or (b) transactions that originate from Your gross negligence; or (c) transactions that originate from Your fraudulent use of Your VISA Debit Card; or (d) transactions processed through non-VISA networks without cardholder PIN validation. IN CASE OF ERRORS OR IF YOU HAVE QUESTIONS ABOUT ELECTRONIC TRANSFERS. Telephone Us at the telephone number shown in this Agreement(000) 000-0000, or write to Us at the address shown in this Agreement 0000 X, Xxxxxxxxx Xxxxxx, X.X. Box 167, Sparta, WI 54656 as soon as You can, if You think Your statement or receipt is wrong or if You need more information about a transaction listed on the statement or receipt. We must hear from You no later than 60 days after We send You the first statement on which the problem or error appeared.

LIABILITY FOR UNAUTHORIZED USE. Telephone Us at once at the telephone number shown Except as provided in this Agreement section, the Credit Union is liable to you for funds wrongly taken from your account by an unauthorized “electronic fund transfer.” However, you will be responsible for money taken from your account through an unauthorized “elec- tronic fund transfer” if you voluntarily give your Automated Teller Machine Card and/or Visa Debit Card, Touch Tone Teller, Home Financial Services, or write BillPay Plus account information or PIN(s) to Us at someone who takes money out of your account(s) without your permission. You will continue to be liable until you notify us that transfers by that person are no longer authorized. If we or any of our agents contact you regarding any transaction(s) and you verify the address shown in this Agreementtransaction(s) you agree we may rely on your verification; and that any such transaction(s) shall be deemed authorized by you. Tell us AT ONCE if you believe that your Automated Teller Machine Card and/or Visa Debit Card, if You believe Your Card Touch Tone Teller, Home Financial Services, or PIN have BillPay Plus account information has been lost or stolen stolen, if you believe that someone has learned your PIN(s), or if you believe that an “electronic fund transfer transfer” has been made without Your permission using information from Your checkyour check without your permission. You should also notify us immediately if you believe someone has gotten money out of your account(s) without your permission. Telephoning is the best way of keeping Your your possible losses down. You could lose all of the money in Your Account your account(s) plus the maximum limits of your lines-of-credit (plus Your maximum overdraft line of crediti.e. Visa credit card, if applicablePersonal Pocketbook, Home Equity, or Overdraft Protection). If You you tell us within 2 two (2) business days after You your learn of the loss or theft of Your your Automated Teller Machine Card and/or Visa Debit Card, Touch Tone Teller, Home Financial Services, or PINBillPay Plus account information, You or discover that someone has learned your PIN(s), you can lose no more than $50 50.00 if someone uses Your used your Automated Teller Machine Card and/or Visa Debit Card or PIN accessed your account(s) through Touch Tone Teller, Home Financial Services, or BillPay Plus without Your your permission. If You fail to you do NOT tell Us us within 2 two (2) “business days days” after You you learn of the loss or theft of Your your Automated Teller Machine Card and/or Visa Debit Card, or PIN your Touch Tone Teller, Home Financial Services, or BillPay Plus PIN(s), and We we can prove that We we could have stopped someone from using Your Card or PIN accessing your account(s) without Your your permission if You you had told Usus, then You you could lose as much as $500500.00. AdditionallyAlso, if Your periodic your statement shows transactions that You you did not make, You will including those made using any Card, code (PIN) or other means, tell Us us at once. If You fail to you do not tell Us us within 60 sixty (60) days after We the statement was mailed to you, or within sixty (60) days of the date that the e-mail You message was sent notifying you that your statement was available electronically if you have chosen e-statements, you may not get back any money you lost after the periodic statement, You could lose the entire Account balance sixty (60) days if We we can prove We that we could have stopped someone from taking Your the money if You you had given Us notice told us in time. If a valid good reason (such as a long trip or hospital stay) keeps You stay kept you from giving Us noticetelling us, We will we may extend the time periods. Exception: You will have no liability for unauthorized use for Your VISA Debit Card as long as You report the loss or theft of Your VISA Debit Card within 2 business days. These exceptions do not apply to: (a) transactions that originate at an ATM; or (b) transactions that originate from Your gross negligence; or (c) transactions that originate from Your fraudulent use of Your VISA Debit Card; or (d) transactions processed through non-VISA networks without cardholder PIN validation. IN CASE OF ERRORS OR IF YOU HAVE QUESTIONS ABOUT ELECTRONIC TRANSFERS. Telephone Us at the telephone number shown in this Agreement, or write to Us at the address shown in this Agreement as soon as You can, if You think Your statement or receipt is wrong or if You need more information about a transaction listed on the statement or receipt. We must hear from You no later than 60 days after We send You the first statement on which the problem or error appeared.

LIABILITY FOR UNAUTHORIZED USE. Telephone Us at once at the telephone number shown in this Agreement (214) 319- 3100, or write to Us at the address shown in this AgreementP.O. Box 660077, Dallas, TX 75266-0077 if You believe Your Card or PIN have been lost or stolen or if you believe that an electronic fund transfer has been made without Your permission using information from Your check. Telephoning is the best way of keeping Your possible losses down. You could lose all of the money in Your Account (plus Your maximum overdraft line of credit, if applicable). If You tell us within 2 business days after You learn of the loss or theft of Your Card or PIN, You can lose no more than $50 50.00 if someone uses Your Card or PIN without Your permission. If You fail to tell Us within 2 business days after You learn of the loss or theft of Your Card or PIN and We can prove that We could have stopped someone from using Your Card or PIN without Your permission if You had told Us, then You could lose as much as $500500.00. AdditionallyAlso, if Your periodic statement shows transactions transfers that You did not make, including those made by Card, PIN or other means, You will tell Us at once. If You fail to do not tell Us within 60 days after We mail You the periodic statementstatement was mailed to You, You could lose may not get back any money You lost after the entire Account balance 60 days if We can prove that We could have stopped someone from taking Your the money if You had given told Us notice in time. If a valid reason (such as a long trip or hospital stay) keeps You from giving Us notice, We will extend the time periods. Exception: You will have no liability for ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE (continued) unauthorized use for Your VISA Debit Card as long as You report the loss or theft of Your VISA Debit Card within 2 business days. These exceptions do not apply to: (a) transactions that originate at an ATM; or (b) transactions that originate from Your gross negligence; or (c) transactions that originate from Your fraudulent use of Your VISA Debit Card; or (d) transactions processed through non-VISA networks without cardholder PIN validation. IN CASE OF ERRORS OR IF YOU HAVE QUESTIONS ABOUT ELECTRONIC TRANSFERS. Telephone Us at the telephone number shown in this Agreement(000) 000-0000, or write to Us at the address shown in this Agreement P.O. Box 660077, Dallas, TX 75266-0077 as soon as You can, if You think Your statement or receipt is wrong or if You need more information about a transaction listed on the statement or receipt. We must hear from You no later than 60 days after We send You the first statement on which the problem or error appeared.

LIABILITY FOR UNAUTHORIZED USE. Telephone Us at once at the telephone number shown in this Agreement Agreement, or write to Us at the address shown in this Agreement, Agreement if You believe Your Card or PIN have been lost or stolen stolen, or if you believe that an electronic fund transfer has been made without Your permission using information from Your check. Telephoning is the best way of keeping Your possible losses down. You could lose all of the money in Your Account (plus Your maximum overdraft line of credit, if applicable). If You tell us within 2 two business days after You learn of the loss or theft of Your Card or PIN, You can lose no more than $50 50.00 if someone uses Your Card or PIN without Your permission. If You fail to tell Us within 2 two business days after You learn of the loss or theft of Your Card or PIN and We can prove that We could have stopped someone from using Your Card or PIN without Your permission if You had told Us, then You could lose as much as $500500.00. Additionally, if Your periodic statement shows transactions transfers that You did not make, including those made by Card, PIN or other means, You will tell Us at once. If You fail to tell Us within 60 days after We mail You the first periodic statementstatement on which the transfer appears, You could lose may not get back any money You lost after the entire Account balance 60 days if We can prove We could have stopped someone from taking Your money if You had given Us notice in time. If a valid reason (such as a long trip or hospital stay) keeps You from giving Us notice, We will extend the time periods. Exception: You will have no liability for unauthorized use for Your VISA Debit Card as long as You report the loss or theft of Your VISA Debit Card within 2 two business days. If You report such loss or theft after two business days, or provide proper notification of other unauthorized VISA Debit Card transactions, Your liability for unauthorized use will not exceed $50.00. These exceptions do not apply to: (a) transactions that originate at an ATM; or (b) transactions that originate from Your gross negligence; or (c) transactions that originate from Your fraudulent use of Your VISA Debit Card; or (d) transactions processed through non-VISA networks (e.g. ACCEL/Exchange, Debit MasterCard, COOP, NYCE, PULSE and STAR) without cardholder PIN validation. IN CASE OF ERRORS OR IF YOU HAVE QUESTIONS ABOUT ELECTRONIC TRANSFERS. Telephone Us at the telephone number shown in this Agreement, or write to Us at the address shown in this Agreement as soon as You can, if You think Your statement or receipt is wrong or if You need more information about a transaction listed on the statement or receipt. We must hear from You no later than 60 days after We send You the first statement on which the problem or error appeared.

LIABILITY FOR UNAUTHORIZED USE. Telephone Us at once at the telephone number shown in this Agreement (000) 000-0000 or write to Us at the address shown in this Agreement, Agreement if You believe Your Card Card, PIN or PIN Access Code have been lost or stolen stolen, or if you believe that an electronic fund transfer has been made without Your permission using information from Your check. Telephoning is the best way of keeping Your possible losses down. You could lose all of the money in Your Account (plus Your maximum overdraft line of credit, if applicable). If You tell us within 2 two business days after You learn of the loss or theft of Your Card or PIN, You can lose no more than $50 50.00 if someone uses Your Card or PIN without Your permission. If You fail to tell Us within 2 two business days after You learn of the loss or theft of Your Card or PIN and We can prove that We could have stopped someone from using Your Card or PIN without Your permission if You had told Us, then You could lose as much as $500500.00. Additionally, if Your periodic statement shows transactions transfers that You did not make, including those made by Card, PIN or other means, You will tell Us at once. If You fail to tell Us within 60 days after We mail You the first periodic statementstatement on which the transfer appears, You could lose may not get back any money You lost after the entire Account balance 60 days if We can prove We could have stopped someone from taking Your money if You had given Us notice in time. If a valid reason (such as a long trip or hospital stay) keeps You from giving Us notice, We will extend the time periods. Exception: You will have no liability for unauthorized use for Your VISA Debit Check Card as long as You report the loss or theft of Your VISA Debit Check Card within 2 two business days. If You report such loss or theft after two business days, or provide proper notification of other unauthorized Check Card transactions, Your liability for unauthorized use will not exceed $50.00. These exceptions do not apply to: (a) to transactions that originate originating at an ATM; ATM or (b) transactions that originate from Your gross negligence; or (c) transactions that originate from Your negligence and/or fraudulent use of Your VISA Debit Check Card; or (d) transactions processed through non-VISA networks without cardholder PIN validation. IN CASE OF ERRORS OR IF YOU HAVE QUESTIONS ABOUT ELECTRONIC TRANSFERS. Telephone Call Us at the telephone number shown in this Agreement, (000) 000-0000 or write to Us at the address shown in this Agreement as soon as You can, if You think Your statement or receipt is wrong 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 if You need more information about a transaction listed on the statement or receiptquestion in writing and We do not receive it within 10 business days, We may not credit Your Account. We must hear from will tell You no later than 60 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. You may ask for copies of the documents that We used in Our investigation. If We have credited Your Account with funds while investigating an error, We will charge Your Account for those funds if We conclude no error has occurred. In this provision, all references to 10 business days will be 20 business days if Your notice of error involves an electronic fund transfer that occurred within 30 days after the first statement on which deposit to Your Account was made and all references to 45 business days will be 90 business days if Your notice of error involves an electronic fund transfer that: (a) was not initiated within a state; (b) resulted from a point-of-sale debit card transaction; or (c) if Your notice of error involves an electronic fund transfer that occurred within 30 days after the problem or error appearedfirst deposit to Your Account was made.

LIABILITY FOR UNAUTHORIZED USE. Telephone Us at once at the telephone number shown in this Agreement (000) 000-0000, or (000) 000-0000 if calling from outside San Antonio, or write to Us at the address shown in this Agreement0000 Xxxxx Xxxxx Xxxx, Xxxxx 000, Xxx Xxxxxxx, XX 00000 if You believe Your Card or PIN have been lost or stolen or if you You believe that an electronic fund transfer has been made without Your permission using information from Your check. Telephoning is the best way of keeping Your possible losses down. You could lose all of the money in Your Account (plus Your maximum overdraft line of credit, if applicable). If You tell us Us within 2 business days after You learn of the loss or theft of Your Card or PIN, You can lose no more than $50 50.00 if someone uses Your Card or PIN without Your permission. If You fail to tell Us within 2 business days after You learn of the loss or theft of Your Card or PIN and We can prove that We could have stopped someone from using Your Card or PIN without Your permission if You had told Us, then You could lose as much as $500500.00. AdditionallyAlso, if Your periodic statement shows transactions transfers that You did not make, including those made by Card, PIN or other means, You will tell Us at once. If You fail to do not tell Us within 60 days after We mail You the periodic statementstatement was mailed to You, You could lose may not get back any money You lost after the entire Account balance 60 days if We can prove that We could have stopped someone from taking Your the money if You had given told Us notice in time. If a valid reason (such as a long trip or hospital stay) keeps You from giving Us notice, We will extend the time periods. Exception: You will have no liability for unauthorized use for of Your VISA Visa Debit Card as long as You report the loss or theft of Your VISA Visa Debit Card within 2 business days. These exceptions do not apply to: (a) transactions that originate at an ATM; or (b) transactions that originate from Your gross negligence; or (c) transactions that originate from Your fraudulent use of Your VISA Visa Debit Card; or (d) transactions processed through non-VISA networks without cardholder PIN validation. IN CASE OF ERRORS OR IF YOU HAVE QUESTIONS ABOUT ELECTRONIC TRANSFERS. Telephone Us at the telephone number shown in this Agreement(000) 000-0000, or (000) 000-0000 if calling from outside San Antonio, or write to Us at the address shown in this Agreement 0000 Xxxxx Xxxxx Xxxx, Xxxxx 000, Xxx Xxxxxxx, XX 00000 as soon as You can, if You think Your statement or receipt is wrong or if You need more information about a transaction listed on the statement or receipt. We must hear from You no later than 60 days after We send You the first statement on which the problem or error appeared.

LIABILITY FOR UNAUTHORIZED USE. Telephone Us at once at the telephone number shown in this Agreement (000) 000-0000 or (800) 223-1983, or write to Us at the address shown in this Agreement, Agreement if You believe Your Card or PIN have been lost or stolen stolen, or if you believe that an electronic fund transfer has been made without Your permission using information from Your check. Telephoning is the best way of keeping Your possible losses down. You could lose all of the money in Your Account (plus Your maximum overdraft line of credit, if applicable). If You tell us within 2 two business days after You learn of the loss or theft of Your Card or PIN, You can lose no more than $50 50.00 if someone uses Your Card or PIN without Your permission. If You fail to tell Us within 2 two business days after You learn of the loss or theft of Your Card or PIN and We can prove that We could have stopped someone from using Your Card or PIN without Your permission if You had told Us, then You could lose as much as $500500.00. Additionally, if Your periodic statement shows transactions transfers that You did not make, including those made by Card, PIN, or other means, You will tell Us at once. If You fail to tell Us within 60 days after We mail You the first periodic statementstatement on which the transfer appears, You could lose the entire Account balance if We can prove We could have stopped someone from taking Your money if You had given Us notice in time. If a valid reason (such as a long trip or hospital stay) keeps You from giving Us notice, We will extend the time periods. Exception: You will have no liability for the unauthorized use for Your VISA of a MasterCard Debit Card as long as You report the used reasonable care in safeguarding Your Card from loss or theft and, upon becoming aware of Your VISA Debit Card within 2 business dayssuch loss or theft, promptly report that loss or theft to the Credit Union. These exceptions do This exception does not apply toto a transaction conducted with a Card that is: (a) transactions that originate at issued to an ATMentity other than a natural person; or (b) issued for a commercial purpose, except to the extent that such exception shall apply to transactions that originate from Your gross negligenceconducted for a small-business program; or and (c) transactions issued to a person until such time as that originate from Your fraudulent use person's identity is registered by or on behalf of Your VISA Debit Card; or (d) transactions processed through non-VISA networks without cardholder PIN validationthe Credit Union in connection with such issuance, which registration may include customer identification program requirements. IN CASE OF ERRORS OR IF YOU HAVE QUESTIONS ABOUT ELECTRONIC TRANSFERS. Telephone Us at the telephone number shown in this Agreement(000) 000-0000 or (000) 000-0000, or write to Us at the address shown in this Agreement Agreement, or contact us via e-mail at xxxxxxxxx@xxxxx.xxx, as soon as You can, if You think Your statement or receipt is wrong or if You need more information about a transaction listed on the statement or receipt. We must hear from You no later than 60 days after We send You the first statement on which the problem or error appeared.

LIABILITY FOR UNAUTHORIZED USE. Telephone Us at once at the telephone number shown in this Agreement Agreement, or write to Us at the address shown in this Agreement, Agreement if You believe Your Card or PIN have been lost or stolen stolen, or if you You believe that an electronic fund transfer has been made without Your permission using information from Your check. Telephoning is the best way of keeping Your possible losses down. You could lose all of the money in Your Account (plus Your maximum overdraft line of credit, if applicable). If You tell us within 2 business days after You learn of the loss or theft of Your Card or PIN, You can lose no more than $50 if someone uses Your Card or PIN without Your permission. If You fail to tell Us within 2 business days after You learn of the loss or theft of Your Card or PIN and We can prove that We could have stopped someone from using Your Card or PIN without Your permission if You had told Us, then You could lose as much as $500. Additionally, if Your periodic statement shows transactions transfers that You did not make, including those made by Card, PIN or other means, You will tell Us at once. If You fail to tell Us within 60 days after We mail You the first periodic statementstatement on which the transfer appears, You could lose the entire Account balance if We can prove We could have stopped someone from taking Your money if You had given Us notice in time. If a valid reason (such as a long trip or hospital stay) keeps You from giving Us notice, We will extend the time periods. Exception: You will have no liability for unauthorized use for Your VISA Debit Card as long as You report the loss or theft of Your VISA Debit Card within 2 business days. If You report such loss or theft after 2 business days, or provide proper notification of other unauthorized Debit Card transactions, Your liability for unauthorized use will not exceed $50. These exceptions do not apply to: (a) to transactions that originate originating at an ATM; ATM or (b) transactions that originate from Your gross negligence; or (c) transactions that originate from Your negligence and/or fraudulent use of Your VISA Debit Card; or (d) transactions processed through non-VISA networks without cardholder PIN validation. IN CASE OF ERRORS OR IF YOU HAVE QUESTIONS ABOUT ELECTRONIC TRANSFERS. Telephone Us at the telephone number shown in this Agreement, or write to Us at the address shown in this Agreement as soon as You can, if You think Your statement or receipt is wrong or if You need more information about a transaction listed on the statement or receipt. We must hear from You no later than 60 days after We send You the first statement on which the problem or error appeared.

LIABILITY FOR UNAUTHORIZED USE. Telephone Us at once at the telephone number shown in this Agreement Agreement, or write to Us at the address shown in this Agreement, Agreement if You believe Your Card or PIN have been lost or stolen stolen, or if you You believe that an electronic fund transfer has been made without Your permission Yourpermission using information from Your check. Telephoning is the best way of wayof keeping Your possible losses down. You could lose all of the money in moneyin Your Account (plus Your maximum Yourmaximum overdraft line of credit, if applicable). If You tell us within 2 business days businessdays after You learn of the loss or theft of Your Card YourCard or PIN, You can lose no more than $50 if someone uses Your Card or PIN without Your permission. If You fail to tell Us within 2 business days after You learn of the loss or theft of Your Card or PIN and We can prove that We could have stopped someone from using Your Card or PIN without Your permission if You had told Us, then You could lose as much as $500. Additionally, if Your periodic statement shows transactions transfers that You did not make, including those made by Card, PIN or other means, You will tell Us at once. If You fail to tell Us within 60 days after We mail You the first periodic statementstatement on which the transfer appears, You could lose the entire Account balance if We can prove We could have stopped someone from taking Your money if You had given Us notice in time. If a valid reason (such as a long trip or hospital stay) keeps You from giving Us notice, We will extend the time periods. Exception: You will have no liability for unauthorized use for Your VISA Debit Card as long as You report the loss or theft of Your VISA Debit Card within 2 businessdays. If You report such loss or theft after 2 business days, or provide proper notification of other unauthorized Debit Card transactions, Your liability for unauthorized use will not exceed $50. These exceptions do not apply to: (a) to transactions that originate originating at an ATM; ATM or (b) transactions that originate from Your gross negligence; or (c) transactions that originate from Your negligence and/or fraudulent use of Your VISA Debit Card; or (d) transactions processed through non-VISA networks without cardholder PIN validation. IN CASE OF ERRORS OR IF YOU HAVE QUESTIONS ABOUT ELECTRONIC TRANSFERS. Telephone Us at the telephone number shown numbershown in this Agreement, or write to Us at the address shown in this Agreement as soon as You can, if You think Your statement or receipt is wrong or if You need more information about a transaction listed on the statement or receipt. We must hear from You no later than 60 days after We send You the first statement on which the problem or error appeared.

LIABILITY FOR UNAUTHORIZED USE. Telephone Us at once at the telephone number shown in this Agreement or write to Us at the address shown in this Agreement, if You believe Your Card or PIN have been lost or stolen or if you believe that an electronic fund transfer has been made without Your permission using information from Your check. Telephoning is the best way of keeping Your possible losses down. You could lose all of the money in Your Account (plus Your maximum overdraft line of credit, if applicable). If You tell us within 2 two business days after You learn of the loss or theft of Your Card or PIN, You can lose no more than $50 50.00 if someone uses Your Card or PIN without Your permission. If You fail to tell Us within 2 two business days after You learn of the loss or theft of Your Card or PIN and We can prove that We could have stopped someone from using Your Card or PIN without Your permission if You had told Us, then You could lose as much as $500500.00. Additionally, if Your periodic statement shows transactions that You did not make, You will tell Us at once. If You fail to tell Us within 60 days after We mail You the periodic statement, You could lose the entire Account balance if We can prove We could have stopped someone from taking Your money if You had given Us notice in time. If a valid reason (such as a long trip or hospital stay) keeps You from giving Us notice, We will extend the time periods. Exception: You will have no liability for unauthorized use for Your VISA Debit Card as long as You report the loss or theft of Your VISA Debit Card within 2 two business days. These exceptions do not apply to: (a) transactions that originate at an ATM; or (b) transactions that originate from Your gross negligence; or (c) transactions that originate from Your fraudulent use of Your VISA Debit Card; or (d) transactions processed through non-VISA networks without cardholder PIN validation. IN CASE OF ERRORS OR IF YOU HAVE QUESTIONS ABOUT ELECTRONIC TRANSFERS. Telephone Us at the telephone number shown in this Agreement, or write to Us at the address shown in this Agreement as soon as You can, if You think Your statement or receipt is wrong or if You need more information about a transaction listed on the statement or receipt. We must hear from You no later than 60 days after We send You the first statement on which the problem or error appeared.

LIABILITY FOR UNAUTHORIZED USE. Telephone Us at once at the telephone number shown in this Agreement or write to Us at the address shown in this Agreement, Agreement if You believe Your Card or PIN have been lost or stolen or if you You believe that an electronic fund transfer has been made without Your permission using information from Your check. Telephoning is the best way of keeping Your possible losses down. You could lose all of the money in Your Account account (plus Your maximum overdraft line of credit, if applicable). If You tell us Us within 2 business days after You learn of the loss or theft of Your Card or PIN, You can lose no more than $50 if someone uses Your Card or PIN without Your permission. If You fail to tell Us within 2 business days after You learn of the loss or theft of Your Card or PIN and We can prove that We could have stopped someone from using Your Card or PIN without Your permission if You had told Us, then You could lose as much as $500. Additionally, if Your periodic statement shows transactions that You did not make, You will tell Us at once. If You fail to tell Us within 60 days after We mail You the periodic statement, You could lose may not get back any money You lost after the entire Account balance 60 days if We can prove We could have stopped someone from taking Your money if You had given Us notice in time. If a valid reason (such as a long trip or hospital stay) keeps You from giving Us notice, We will extend the time periods. Exception: You will have no liability for unauthorized use for Your VISA Debit Card as long as You report the loss or theft of Your VISA Debit Card within 2 business days. These exceptions do not apply to: (a) transactions that originate at an ATM; or (b) transactions that originate from Your gross negligence; or (c) transactions that originate from Your fraudulent use of Your VISA Debit Card; or (d) transactions processed through non-VISA networks without cardholder PIN validation. IN CASE OF ERRORS OR IF YOU HAVE QUESTIONS ABOUT ELECTRONIC TRANSFERS. Telephone Us at the telephone number shown in this Agreement, or write to Us at the address shown in this Agreement as soon as You can, if You think Your statement or receipt is wrong or if You need more information about a transaction listed on the statement or receipt. We must hear from You no later than 60 days after We send You the first statement on which the problem or error appeared.

LIABILITY FOR UNAUTHORIZED USE. Telephone Us at once at the telephone number shown in this Agreement or write to Us at the address shown in this Agreement, Agreement if You believe Your Card or PIN have been lost or stolen or if you You believe that an electronic fund transfer has been made without Your permission using information from Your check. Telephoning is the best way of keeping Your possible losses down. You could lose all of the money in Your Account (plus Your maximum overdraft line of credit, if applicable). If You tell us Us within 2 two business days after You learn of the loss or theft of Your Card or PIN, You can lose no more than $50 50.00 if someone uses Your Card or PIN without Your permission. If You fail to tell Us within 2 two business days after You learn of the loss or theft of Your Card or PIN and We can prove that We could have stopped someone from using Your Card or PIN without Your permission if You had told Us, then You could lose as much as $500500.00. Additionally, if Your periodic statement shows transactions that You did not make, You will tell Us at once. If You fail to tell Us within 60 days after We mail You the periodic statement, You could lose the entire Account balance if We can prove We could have stopped someone from taking Your money if You had given Us notice in time. If a valid reason (such as a long trip or hospital stay) keeps You from giving Us notice, We will extend the time periods. Exception: You will have no liability for unauthorized use for of Your VISA Debit Card MasterCard as long as You report the loss or theft of Your VISA Debit Card MasterCard within 2 two business days. These exceptions do not apply to: (a) transactions that originate at an ATM; or (b) transactions that originate from Your gross negligenceare Pinned; or (c) transactions that originate from Your fraudulent use of Your VISA Debit Cardgross negligence; or (d) transactions processed through non-VISA networks without cardholder PIN validationthat originate from Your fraudulent use of Your Debit MasterCard; or (e) instances in which You have reported two or more occasions of unauthorized use during the preceding 12 month period. IN CASE OF ERRORS OR IF YOU HAVE QUESTIONS ABOUT ELECTRONIC TRANSFERS. Telephone Us at the telephone number shown in this Agreement, or write to Us at the address shown in this Agreement as soon as You can, if You think Your statement or receipt is wrong or if You need more information about a transaction listed on the statement or receipt. We must hear from You no later than 60 days after We send You the first statement on which the problem or error appeared.

LIABILITY FOR UNAUTHORIZED USE. Telephone Us at once at You must tell the telephone number shown in this Agreement or write to Us at the address shown in this Agreement, if You believe Your Card or PIN have been lost or stolen or Bank immediately if you believe that your password has become known or the Services were used by an electronic fund transfer has been made without Your permission using information from Your checkunauthorized person. The Bank may require you to sign an affidavit if you report Suspected Unauthorized Use. Telephoning 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 your Accounts and the maximum overdraft line of creditcredit available on your Personal Overdraft line, if applicable)you do not inform the Bank of Suspected Unauthorized Use. If You tell us you inform the Bank within 2 business two banking days after You you learn of the loss or theft of Your Card or PINSuspected Unauthorized Use, You you can lose no more than $50 if someone uses Your Card or PIN without Your permissionthe Suspected Unauthorized Use was unauthorized. If You fail to you do not tell Us the Bank within 2 business two banking days after You learn you learned of the loss or theft of Your Card or PIN Suspected Unauthorized Use, and We can prove the Bank proves that We the Bank could have stopped someone from using Your Card or PIN the Services without Your your permission if You you had told Usthe Bank, then You you could lose be liable for as much as $500. Additionally, if Your periodic If your statement shows transactions using the Services that You you did not make, You will you must tell Us the Bank at once. If You fail you do not tell the Bank within sixty days after the statement was mailed to tell Us within you, you may not get back any money you lost after 60 days after We mail You if the periodic statement, You could lose the entire Account balance if We Bank can prove We that the Bank could have stopped someone from taking Your the money if You you had given Us notice told the Bank in time. If a valid good reason (such as a long trip or a hospital stay) keeps You kept you from giving Us noticetelling the Bank, We the Bank will extend this time period. If you believe there is a Suspected Unauthorized Use of the time periodsServices, you should telephone the Bank at (000) 000-0000 or write to Farmers & Merchants Bank, 000 X Xxxx Xxxxxx, Xxxx, XX 00000 as soon as you can. ExceptionERROR RESOLUTION NOTICE: You will have no liability for unauthorized use for In Case Of Errors Or Questions About Your VISA Debit Card as long as You report the loss or theft of Your VISA Debit Card within 2 business days. These exceptions do not apply to: (a) transactions that originate at an ATM; or (b) transactions that originate from Your gross negligence; or (c) transactions that originate from Your fraudulent use of Your VISA Debit Card; or (d) transactions processed through non-VISA networks without cardholder PIN validation. IN CASE OF ERRORS OR IF YOU HAVE QUESTIONS ABOUT ELECTRONIC TRANSFERSElectronic Transfers. Telephone Us us at the telephone number shown in this Agreement(000) 000-0000, or write to Us us at the address shown in this Agreement 000 X Xxxx Xxxxxx, Xxxx, XX 00000, or email us at xxxxxxxxxxxx@xxxxxxxxx.xxx as soon as You you can, if You you think Your your statement or receipt is wrong or if You you need more information about a transaction transfer listed on the statement or receiptstatement. We must hear from You you no later than 60 days after We send You the first Bank sent the FIRST statement on which the problem or error appeared.

LIABILITY FOR UNAUTHORIZED USE. Telephone Us at once at the telephone number shown in this Agreement or write to Us at the address shown in this Agreement, Tell us AT ONCE if You you believe Your your Card or and/or PIN have has been lost or stolen stolen, or that unauthorized use has or may occur, or if you believe that an electronic fund funds transfer has been made without Your your permission using information from Your checkyour Card. Telephoning is the best way of keeping Your minimizing your possible losses downlosses. You If you fail to notify us of the loss, you could lose all of the money in Your Account (plus Your maximum overdraft line of credit, if applicable)your account. If You you promptly tell us within 2 business days after You you learn of the loss loss, theft or theft possible unauthorized use of Your Card or PINyour Card, You you can lose no more than $50 if someone uses Your your Card to make unauthorized withdrawals from an ATM or PIN without Your permissionif someone uses your Card to make unauthorized purchases at non- Mastercard merchants. If You fail to you do NOT promptly tell Us within 2 business days us after You you learn of the loss loss, theft or theft possible unauthorized use of Your your Card or PIN and/or PIN, and We we can prove that We we could have stopped someone from using Your your Card or and/or PIN without Your your permission if You you had told Usus, then You you could lose as much as $500500 for unauthorized withdrawals from an ATM or for unauthorized purchases at non-Mastercard merchants. AdditionallyAlso, if Your your periodic account statement shows transactions that You you did not make, You will including those made by Card, code or other means, tell Us us at once. If You fail to you do not tell Us us within 60 sixty (60) days after We mail You the periodic statementaccount statement was provided to you, You could lose you may not recover the entire Account balance money you lost for unauthorized transactions after the sixty (60) days, if We we can prove We that we could have stopped someone from taking Your money using your Card and/or if You you had given Us notice told us in time. If Under Mastercard’s Zero Liability policy, you will not be liable for any unauthorized transactions made through the Mastercard network using your Debit Mastercard if: (i) you can demonstrate that you have exercised reasonable care in safeguarding your card from the risk of loss or theft, and (ii) upon becoming aware of a valid reason (such as a long trip loss or hospital stay) keeps You from giving Us noticetheft, We will extend the time periods. Exception: You will have no liability for unauthorized use for Your VISA Debit Card as long as You you promptly report the loss or theft to us. See xxx.xxxxxxxxxx.xxx/xxxxxxxxxxxxx for full terms and conditions. You agree to assist us in determining the facts, circumstances and other pertinent information relating to any loss, theft or possible unauthorized use of Your VISA Debit your Card within 2 business daysand to comply with such procedures as we may require in connection with our investigation. These exceptions do not apply toIf you have authorized someone to use any of your Cards, your authorization shall be considered by us to be unlimited in amount and manner and will be effective until the following takes place: (ai) transactions you notify us in writing that originate at an ATMyou have revoked the authorization to any such individual and have taken all necessary steps to revoke it; or (b) transactions that originate from Your gross negligence; or (c) transactions that originate from Your fraudulent use of Your VISA Debit Card; or (d) transactions processed through non-VISA networks without cardholder PIN validation. IN CASE OF ERRORS OR IF YOU HAVE QUESTIONS ABOUT ELECTRONIC TRANSFERS. Telephone Us at the telephone number shown in this Agreement, or write to Us at the address shown in this Agreement as soon as You can, if You think Your statement or receipt is wrong or if You need more information about a transaction listed on the statement or receipt. We must hear from You no later than 60 days after We send You the first statement on which the problem or error appeared.and

LIABILITY FOR UNAUTHORIZED USE. Telephone Us at once at the telephone number shown in this Agreement or write to Us at the address shown in this Agreement, Tell us AT ONCE if You you believe Your your Card or and/or PIN have has been lost or stolen stolen, or that unauthorized use has or may occur, or if you believe that an electronic fund funds transfer has been made without Your your permission using information from Your checkyour Card. Telephoning is the best way of keeping Your minimizing your possible losses downlosses. You If you fail to notify us of the loss, you could lose all of the money in Your Account (your account plus Your amounts up to your maximum overdraft credit limit in your line of credit, credit and/or credit card account(s) or other designated overdraft accounts or limit (if applicableyou have requested access to these accounts or limit). If You you tell us within 2 two (2) business days after You you learn of the loss loss, theft or theft possible unauthorized use of Your Card or PINyour Card, You you can lose no more than $50 50.00 if someone uses Your your Card to make unauthorized withdrawals from an ATM or PIN without Your permissionif someone uses your Card to make unauthorized purchases at non-Mastercard merchants. If You fail to you do NOT tell Us within 2 business days us after You you learn of the loss loss, theft or theft possible unauthorized use of Your your Card or PIN and We PIN, and we can prove that We we could have stopped someone from using Your your Card and/ or PIN without Your your permission if You you had told Usus, then You you could lose as much as $500500.00 for unauthorized withdrawals from an ATM or unauthorized purchases at non- Mastercard merchants. AdditionallyAlso, if Your your periodic account statement shows transactions that You you did not make, You will including those made by Card, code or other means, tell Us us at once. If You fail to you do not tell Us us within 60 sixty (60) days after We mail You the periodic statementaccount statement was provided to you, You could lose you may not recover the entire Account balance money you lost for unauthorized transactions after the sixty (60) days, if We we can prove We that we could have stopped someone from taking Your money using your Card and/or PIN if You you had given Us notice told us in time. If a valid good reason (such as a long trip or a hospital stay) keeps You kept you from giving Us noticetelling us, We will we may extend the time periods. ExceptionUnder Mastercard’s Zero Liability policy, you will not be liable for any unauthorized transactions made through the Mastercard network using your debit Mastercard if: You will (i) you can demonstrate that you have no liability for unauthorized use for Your VISA Debit Card as long as You exercised reasonable care in safeguarding your card from the risk of loss or theft, and (ii) upon becoming aware of a loss or theft, you promptly (i.e. within two (2) business days) report the loss or theft of Your VISA Debit Card within 2 business daysto us. These exceptions do not apply to: (a) transactions that originate at an ATM; See xxx.xxxxxxxxxx.xxx/xxxxxxxxxxxxx for full terms and conditions. You agree to assist us in determining the facts, circumstances and other pertinent information relating to any loss, theft or (b) transactions that originate from Your gross negligence; or (c) transactions that originate from Your fraudulent possible unauthorized use of Your VISA Debit your Card and to comply with such procedures as we may require in connection with our investigation. If you authorized someone to use your Card; or (d) , you are responsible for all transactions processed through non-VISA networks without cardholder PIN validation. IN CASE OF ERRORS OR IF YOU HAVE QUESTIONS ABOUT ELECTRONIC TRANSFERS. Telephone Us at the telephone number shown in this Agreement, or write to Us at the address shown in this Agreement as soon as You can, if You think Your statement or receipt is wrong or if You need more information about a transaction listed on the statement or receipt. We must hear from You they initiate using your Card until you notify us that such transfers are no later than 60 days after We send You the first statement on which the problem or error appearedlonger authorized.

LIABILITY FOR UNAUTHORIZED USE. Telephone Us at once at the telephone number shown in this Agreement Agreement, or write to Us at the address shown in this Agreement, Agreement if You believe Your Card or PIN have been lost or stolen stolen, or if you believe that an electronic fund transfer has been made without Your permission using information from Your check. Telephoning is the best way of keeping Your possible losses down. You could lose all of the money in Your Account (plus Your maximum overdraft line of credit, if applicable). If You tell us within 2 business days after You learn of the loss or theft of Your Card or PIN, You can lose no more than $50 if someone uses Your Card or PIN without Your permission. If You fail to tell Us within 2 business days after You learn of the loss or theft of Your Card or PIN and We can prove that We could have stopped someone from using Your Card or PIN without Your permission if You had told Us, then You could lose as much as $500. Additionally, if Your periodic statement shows transactions transfers that You did not make, including those made by Card, PIN or other means, You will tell Us at once. If You fail to tell Us within 60 days after We mail You the first periodic statementstatement on which the transfer appears, You could lose the entire Account balance if We can prove We could have stopped someone from taking Your money if You had given Us notice in time. If a valid reason (such as a long trip or hospital stay) keeps You from giving Us notice, We will extend the time periods. Exception: You will have no liability for unauthorized use for Your VISA MasterCard Debit Card as long as You report the loss or theft of Your VISA MasterCard Debit Card within 2 business days. If You report such loss or theft after 2 business days, or provide proper notification of other unauthorized MasterCard Debit Card transactions, Your liability for unauthorized use will not exceed $50. These exceptions do not apply to: (a) to transactions that originate originating at an ATM; ATM or (b) transactions that originate from Your gross negligence; or (c) transactions that originate from Your negligence and/or fraudulent use of Your VISA MasterCard Debit Card; or (d) transactions processed through non-VISA networks without cardholder PIN validation. IN CASE OF ERRORS OR IF YOU HAVE QUESTIONS ABOUT ELECTRONIC TRANSFERS. Telephone Us at the telephone number shown in this Agreement, or write to Us at the address shown in this Agreement as soon as You can, if You think Your statement or receipt is wrong or if You need more information about a transaction listed on the statement or receipt. We must hear from You no later than 60 days after We send You the first statement on which the problem or error appeared.

LIABILITY FOR UNAUTHORIZED USE. Telephone Us at once at the telephone number shown in this Agreement Agreement, or write to Us at the address shown in this Agreement, Agreement if You believe Your Card or PIN have been lost or stolen stolen, or if you believe that an electronic fund transfer has been made without Your permission using information from Your check. Telephoning is the best way of keeping Your possible losses down. You could lose all of the money in Your Account (plus Your maximum overdraft line of credit, if applicable). If You tell us within 2 two business days after You learn of the loss or theft of Your Card or PIN, You can lose no more than $50 50.00 if someone uses Your Card or PIN without Your permission. If You fail to tell Us within 2 two business days after You learn of the loss or theft of Your Card or PIN and We can prove that We could have stopped someone from using Your Card or PIN without Your permission if You had told Us, then You could lose as much as $500500.00. Additionally, if Your periodic statement shows transactions transfers that You did not make, including those made by Card, PIN or other means, You will tell Us at once. If You fail to tell Us within 60 days after We mail You the first periodic statementstatement on which the transfer appears, You could lose the entire Account balance if We can prove We could have stopped someone from taking Your money if You had given Us notice in time. If a valid reason (such as a long trip or hospital stay) keeps You from giving Us notice, We will extend the time periods. Exception: You will have no liability for unauthorized use for Your VISA Debit Check Card as long as You report the loss or theft of Your VISA Debit Check Card within 2 two business days. If You report such loss or theft after two business days, or provide proper notification of other unauthorized VISA Check Card transactions, Your liability for unauthorized use will not exceed $50.00. These exceptions do not apply to: (a) transactions that originate at an ATM; or (b) transactions that originate from Your gross negligence; or (c) transactions that originate from Your fraudulent use of Your VISA Debit Card; or (d) transactions processed through non-VISA networks (e.g. ACCEL/Exchange, Debit MasterCard, COOP, NYCE, PULSE and STAR) without cardholder PIN validation. IN CASE OF ERRORS OR IF YOU HAVE QUESTIONS ABOUT ELECTRONIC TRANSFERS. Telephone Us at the telephone number shown in this Agreement, or write to Us at the address shown in this Agreement as soon as You can, if You think Your statement or receipt is wrong or if You need more information about a transaction listed on the statement or receipt. We must hear from You no later than 60 days after We send You the first statement on which the problem or error appeared.

LIABILITY FOR UNAUTHORIZED USE. Telephone Us at once at the telephone number shown in this Agreement or write to (719) 593-8600 xx (000) 023-1900, xx xxxxx xo Us at the address shown in this Agreement, Agreement if You believe Your Card or PIN have been lost or stolen stolen, or if you You believe that an electronic fund transfer has been made without Your permission using information from Your check. Telephoning is the best way of keeping Your possible losses down. You could lose all of the money in Your Account (plus Your maximum overdraft line of credit, if applicable). If You tell us Us within 2 two business days after You learn of the loss or theft of Your Card or PIN, You can lose no more than $50 50.00 if someone uses Your Card or PIN without Your permission. If You fail to tell Us within 2 two business days after You learn of the loss or theft of Your Card or PIN and We can prove that We could have stopped someone from using Your Card or PIN without Your permission if You had told Us, then You could lose as much as $500500.00. Additionally, if Your periodic statement shows transactions transfers that You did not make, including those made by Card, PIN, or other means, You will tell Us at once. If You fail to tell Us within 60 days after We mail You the first periodic statementstatement on which the transfer appears, You could lose the entire Account balance if We can prove We could have stopped someone from taking Your money if You had given Us notice in time. If a valid reason (such as a long trip or hospital stay) keeps You from giving Us notice, We will extend the time periods. Exception: You will have no liability for the unauthorized use for Your VISA of a MasterCard Debit Card as long as You report the used reasonable care in safeguarding Your Card from loss or theft and, upon becoming aware of Your VISA Debit Card within 2 business dayssuch loss or theft, promptly report that loss or theft to the Credit Union. These exceptions do This exception does not apply toto a transaction conducted with a Card that is: (a) transactions that originate at issued to an ATMentity other than a natural person; or (b) issued for a commercial purpose, except to the extent that such exception shall apply to transactions that originate from Your gross negligenceconducted for a small-business program; or and (c) transactions issued to a person until such time as that originate from Your fraudulent use person's identity is registered by or on behalf of Your VISA Debit Card; or (d) transactions processed through non-VISA networks without cardholder PIN validationthe Credit Union in connection with such issuance, which registration may include customer identification program requirements. IN CASE OF ERRORS OR IF YOU HAVE QUESTIONS ABOUT ELECTRONIC TRANSFERS. Telephone Us at the telephone number shown in this Agreement(719) 593-8600 xx (000) 003-1900, or write to xx xxxxx xo Us at the address shown in this Agreement as soon as Agreement, or contact Us via e-mail at contactus@aaxxx.xxx, xx xxxx xx You can, if You think Your statement or receipt is wrong or if You need more information about a transaction listed on the statement or receipt. We must hear from You no later than 60 days after We send You the first statement on which the problem or error appeared.

LIABILITY FOR UNAUTHORIZED USE. Telephone Us at once at the telephone number shown in this Agreement (215) 333- 1201 or write to Us at the address shown in this Agreement, Agreement if You believe Your Card Card, PIN or PIN Access Code have been lost or stolen stolen, or if you You believe that an electronic fund transfer has been made without Your permission using information from Your check. Telephoning is the best way of keeping Your possible losses down. You could lose all of the money in Your Account (plus Your maximum overdraft line of credit, if applicable). If You tell us Us within 2 two business days after You learn of the loss or theft of Your Card or PIN, You can lose no more than $50 50.00 if someone uses Your Card or PIN without Your permission. If You fail to tell Us within 2 two business days after You learn of the loss or theft of Your Card or PIN and We can prove that We could have stopped someone from using Your Card or PIN without Your permission if You had told Us, then You could lose as much as $500500.00. Additionally, if Your periodic statement shows transactions transfers that You did not make, including those made by Card, PIN or other means, You will tell Us at once. If You fail to tell Us within 60 days after We mail You the first periodic statementstatement on which the transfer appears, You could lose the entire Account balance if We can prove We could have stopped someone from taking Your money if You had given Us notice in time. If a valid reason (such as a long trip or hospital stay) keeps You from giving Us notice, We will extend the time periods. Exception: You will have no liability for unauthorized use for of Your VISA Mastercard Debit Card as long as You report the loss or theft of Your VISA Mastercard Debit Card within 2 two business days. If You report such loss or theft after two business days, or provide proper notification of other unauthorized Mastercard Debit Card transactions, Your liability for unauthorized use will not exceed $50.00. These exceptions do not apply to: (a) to transactions that originate originating at an ATM; ATM or (b) transactions that originate from Your gross negligence; or (c) transactions that originate from Your negligence and/or fraudulent use of Your VISA Mastercard Debit Card; or (d) transactions processed through non-VISA networks without cardholder PIN validation. IN CASE OF ERRORS OR IF YOU HAVE QUESTIONS ABOUT ELECTRONIC TRANSFERS. Telephone Call Us at the telephone number shown in this Agreement, (000) 000-0000 or write to Us at the address shown in this Agreement as soon as You can, if You think Your statement or receipt is wrong or if You need more information about a transaction listed on the statement or receipt. We must hear from You no later than 60 days after We send You the first statement on which the problem or error appeared.

LIABILITY FOR UNAUTHORIZED USE. Telephone Us at once at the telephone number shown in this Agreement (000) 000-0000 or (000) 000-0000 or write to Us at the address shown in this Agreement, Agreement if You believe Your Card Card, PIN or PIN Access Code have been lost or stolen stolen, or if you You believe that an electronic fund transfer has been made without Your permission using information from Your check. Telephoning is the best way of keeping Your possible losses down. You could lose all of the money in Your Account (plus Your maximum overdraft line of credit, if applicable). If You tell us Us within 2 two business days after You learn of the loss or theft of Your Card or PIN, You can lose no more than $50 50.00 if someone uses Your Card or PIN without Your permission. If You fail to tell Us within 2 two business days after You learn of the loss or theft of Your Card or PIN and We can prove that We could have stopped someone from using Your Card or PIN without Your permission if You had told Us, then You could lose as much as $500500.00. Additionally, if Your periodic statement shows transactions transfers that You did not make, including those made by Card, PIN or other means, You will tell Us at once. If You fail to tell Us within 60 days after We mail You the first periodic statementstatement on which the transfer appears, You could lose the entire Account balance if We can prove We could have stopped someone from taking Your money if You had given Us notice in time. If a valid reason (such as a long trip or hospital stay) keeps You from giving Us notice, We will extend the time periods. Exception: You will have no liability for unauthorized use for of Your VISA Debit Card as long as You report the loss or theft of Your VISA Debit Card within 2 two business days. If You report such loss or theft after two business days, or provide proper notification of other unauthorized VISA Debit Card transactions, Your liability for unauthorized use will not exceed $50.00. These exceptions do not apply to: (a) transactions that originate at an ATM; or (b) transactions that originate from Your gross negligence; or (c) transactions that originate from Your fraudulent use of Your VISA Debit Card; or (d) transactions processed through non-VISA networks (e.g. ACCEL/Exchange, Debit MasterCard, COOP, NYCE, PULSE and STAR) without cardholder PIN validation. IN CASE OF ERRORS OR IF YOU HAVE QUESTIONS ABOUT ELECTRONIC TRANSFERSIn Case of Errors or if You Have Questions About Electronic Transfers. Telephone Call Us at the telephone number shown in this Agreement, (000) 000-0000 or (000) 000-0000 or write to Us at the address shown in this Agreement as soon as You can, if You think Your statement or receipt is wrong or if You need more information about a transaction listed on the statement or receipt. We must hear from You no later than 60 days after We send You the first statement on which the problem or error appeared.

LIABILITY FOR UNAUTHORIZED USE. Telephone Us at once at the telephone number shown in this Agreement or write to Us at the address shown in this Agreement, if You believe Your Card or PIN have been lost or stolen or if you believe that an electronic fund transfer has been made without Your permission using information from Your check. Telephoning is the best way of keeping Your possible losses down. You could lose all of the money in Your Account (plus Your maximum overdraft line of credit, if applicable). If You tell us within 2 two business days after You learn of the loss or theft of Your Card or PIN, You can lose no more than $50 50.00 if someone uses Your Card or PIN without Your permission. If You fail to tell Us within 2 two business days after You learn of the loss or theft of Your Card or PIN and We can prove that We could have stopped someone from using Your Card or PIN without Your permission if You had told Us, then You could lose as much as $500500.00. Additionally, if Your periodic statement shows transactions that You did not make, You will tell Us at once. If You fail to tell Us within 60 days after We mail You the periodic statement, You could lose the entire Account balance if We can prove We could have stopped someone from taking Your money if You had given Us notice in time. If a valid reason (such as a long trip or hospital stay) keeps You from giving Us notice, We will extend the time t ime periods. Exception: You will have no liability for the unauthorized use for of Your VISA MasterCard Debit Card as long as You report the used reasonable care in safeguarding Your Card from loss or theft and, upon becoming aware of Your VISA Debit Card within 2 business dayssuch loss or theft, promptly report that loss or theft to the Credit Union. These exceptions do This exception does not apply toto a transaction conducted with a Card that is: (a) transactions that originate at issued to an ATMentity other than a natural person; or (b) issued for a commercial purpose, except to the extent that such exception shall apply to transactions that originate from Your gross negligenceconducted for a small-business program; or and (c) transactions issued to a person until such time as that originate from Your fraudulent use person's identity is registered by or on behalf of Your VISA Debit Card; or the Credit Union in connection with such issuance, which registration may include customer identification program requirements. ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE (dcontinued) transactions processed through non-VISA networks without cardholder PIN validation. IN CASE OF ERRORS OR IF YOU HAVE QUESTIONS ABOUT ELECTRONIC TRANSFERS. Telephone Us at the telephone number shown in this Agreement, or write to Us at the address shown in this Agreement as soon as You can, if You think Your statement or receipt is wrong or if You need more information about a transaction listed on the statement or receipt. We must hear from You no later than 60 days after We send You the first statement on which the problem or error appeared.

LIABILITY FOR UNAUTHORIZED USE. Telephone Us at once at the telephone number shown in this Agreement Agreement, or write to Us at the address shown in this Agreement, Agreement if You believe Your Card or PIN have been lost or stolen stolen, or if you You believe that an electronic fund transfer has been made without Your permission Yourpermission using information from Your check. Telephoning is the best way of wayof keeping Your possible losses down. You could lose all of the money in moneyin Your Account (plus Your maximum Yourmaximum overdraft line of credit, if applicable). If You tell us within 2 business days businessdays after You learn of the loss or theft of Your Card YourCard or PIN, You can lose no more than $50 if someone uses Your Card or PIN without Your permission. If You fail to tell Us within 2 business days after You learn of the loss or theft of Your Card or PIN and We can prove that We could have stopped someone from using Your Card or PIN without Your permission if You had told Us, then You could lose as much as $500. Additionally, if Your periodic statement shows transactions transfers that You did not make, including those made by Card, PIN or other means, You will tell Us at once. If You fail to tell Us within 60 days after We mail You the first periodic statementstatement on which the transfer appears, You could lose the entire Account balance if We can prove We could have stopped someone from taking Your money if You had given Us notice in time. If a valid reason (such as a long trip or hospital stay) keeps You from giving Us notice, We will extend the time periods. Exception: You will have no liability for unauthorized use for Your VISA Debit Card as long as You report the loss or theft of Your VISA Debit Card within 2 business days. If You report such loss or theft after 2 business days, or provide proper notification of other unauthorized Debit Card transactions, Your liability for unauthorized use will not exceed $50. These exceptions do not apply to: (a) to transactions that originate originating at an ATM; ATM or (b) transactions that originate from Your gross negligence; or (c) transactions that originate from Your negligence and/or fraudulent use of Your VISA Debit Card; or (d) transactions processed through non-VISA networks without cardholder PIN validation. IN CASE OF ERRORS OR IF YOU HAVE QUESTIONS ABOUT ELECTRONIC TRANSFERS. Telephone Us at the telephone number shown numbershown in this Agreement, or write to Us at the address shown in this Agreement as soon as You can, if You think Your statement or receipt is wrong or if You need more information about a transaction listed on the statement or receipt. We must hear from You no later than 60 days after We send You the first statement on which the problem or error appeared.

LIABILITY FOR UNAUTHORIZED USE. Telephone Us at once at the telephone number shown Except as provided in this Agreement section, the Credit Union is liable to you for funds wrongly taken from your account by an unauthorized “electronic fund transfer.” However, you will be responsible for money taken from your account through an unauthorized “electronic fund transfer” if you voluntarily give your Automated Teller Machine Card and/or Visa MoneyKey ATM/Check Card, Touch Tone Teller, Home Financial Services, or write BillPay Plus account information or PIN(s) to Us at the address shown in this Agreementsomeone who takes money out of your account(s) without your permission. You will continue to be liable until you notify us that transfers by that person are no longer authorized. Tell us AT ONCE if you believe that your Automated Teller Machine Card and/or Visa MoneyKey ATM/Check Card, if You believe Your Card Touch Tone Teller, Home Financial Services, or PIN have BillPay Plus account information has been lost or stolen stolen, if you believe that someone has learned your PIN(s), or if you believe that an electronic fund transfer has been made without Your permission using information from Your checkyour check without your permission. You should also notify us immediately if you believe someone has gotten money out of your account(s) without your permission. Telephoning is the best way of keeping Your your possible losses down. You could lose all of the money in Your Account your account(s) plus the maximum limits of your lines-of-credit (plus Your maximum overdraft line of crediti.e. Visa credit card, if applicablePersonal Pocketbook, Home Equity, or Overdraft Protection). If You you tell us within 2 two (2) business days after You your learn of the loss or theft of Your your Automated Teller Machine Card and/or Visa MoneyKey ATM/Check Card, Touch Tone Teller, Home Financial Services, or PINBillPay Plus account information, You or discover that someone has learned your PIN(s), you can lose no more than $50 50.00 if someone uses Your used your Automated Teller Machine Card and/or Visa MoneyKey ATM/Check Card or PIN accessed your account(s) through Touch Tone Teller, Home Financial Services, or BillPay Plus without Your your permission. If You fail to you do NOT tell Us us within 2 two (2) “business days days” after You you learn of the loss or theft of Your your Automated Teller Machine Card and/or Visa MoneyKey ATM/Check Card, or PIN your Touch Tone Teller, Home Financial Services, or BillPay Plus PIN(s), and We we can prove that We we could have stopped someone from using Your Card or PIN accessing your account(s) without Your your permission if You you had told Usus, then You you could lose as much as $500500.00. AdditionallyAlso, if Your periodic your statement shows transactions that You you did not make, You will including those made using any card, code (PIN) or other means, tell Us us at once. If You fail to you do not tell Us us within 60 sixty (60) days after We the statement was mailed to you, or within sixty (60) days of the date that the e-mail You message was sent notifying you that your statement was available electronically if you have chosen e-statements, you may not get back any money you lost after the periodic statement, You could lose the entire Account balance sixty (60) days if We we can prove We that we could have stopped someone from taking Your the money if You you had given Us notice told us in time. If a valid good reason (such as a long trip or hospital stay) keeps You stay kept you from giving Us noticetelling us, We will we may extend the time periods. Exception: You will  If, due to suspicious activity on your account, we have no liability for unauthorized use for Your VISA Debit Card as long as You report temporarily suspended your privileges until the loss activity can be verified;  If, using BillPay Plus, you attempt to make a payment to a payee outside the U.S., or theft to a governmental or taxing unit, or other restricted payee;  If your line of Your VISA Debit Card within 2 business days. These exceptions do not apply to: (a) transactions that originate at an ATMcredit or any other obligation owing to us is delinquent, or any account with us is in derogatory status; or (b) transactions that originate from Your gross negligence; or (c) transactions that originate from Your fraudulent use of Your VISA Debit Card; or (d) transactions processed through non-VISA networks without cardholder PIN validation. IN CASE OF ERRORS OR IF YOU HAVE QUESTIONS ABOUT ELECTRONIC TRANSFERS. Telephone Us at the telephone number shown in this Agreement, or write to Us at the address shown in this Agreement  Other reasonable exceptions as soon as You can, if You think Your statement or receipt is wrong or if You need more information about a transaction listed on the statement or receipt. We must hear from You no later than 60 days after We send You the first statement on which the problem or error appearedestablished by us.

LIABILITY FOR UNAUTHORIZED USE. Telephone Us at once at the telephone number shown in this Agreement You are responsible for all EFT transactions you authorize. If you permit someone else to use an EFT service, your card or write to Us at the address shown in this Agreementyour access code, you are responsible for any transactions they authorize or conduct on any of your accounts. TELL US AT ONCE if You you believe Your Card your card or PIN have access code has been lost or stolen stolen, if you believe someone has used your card or access code or otherwise accessed your accounts without your authority, or if you believe that an electronic fund transfer has been made without Your your permission using information from Your your check. Telephoning is the best way of keeping Your your possible losses down. You could lose all of the money in Your Account your account (plus Your your maximum overdraft line of credit, if applicableoverdraft). If You a transaction was made with your card or card number without your permission and was either a Visa or Interlink transaction, you will have no liability for the transaction, unless you were grossly negligent in the handling of your account or card or access code. For all other EFT transactions, including ATM transactions or if you were grossly negligent in the handling of your account or card or access code, your liability for an unauthorized transaction is determined as follows. If you tell us within 2 two (2) business days after You you learn of the loss or theft of Your Card your card or PINaccess code, You you can lose no more than $50 50.00 if someone uses Your Card used your card or PIN access code without Your your permission. If You fail to you do NOT tell Us us within 2 two (2) business days after You you learn of the loss or theft of Your Card your card or PIN access code and We we can prove that We we could have stopped someone from using Your Card your card or PIN access code without Your your permission if You you had told Usus, then You you could lose as much as $500500.00. AdditionallyAlso, if Your periodic your statement shows transactions transfers that You you did not makemake including those made by card, You will tell Us at onceaccess code or other means, TELL US AT ONCE. If You fail to you do not tell Us us within 60 days after We mail You the periodic statementstatement was mailed or electronically sent to you, You could lose you may not get back any money lost after the entire Account balance 60 days if We we can prove We that we could have stopped someone from taking Your money making the transfers if You you had given Us notice told us in time. If a valid good reason (such as a long trip or hospital stay) keeps You kept you from giving Us noticetelling us, We we will extend the time periods. Exception: If you believe your card or access code has been lost or stolen or that someone has transferred or may transfer money from your accounts without your permission, call (000) 000-0000. You will have no liability for unauthorized use for Your VISA Debit Card as long as You report the loss or theft of Your VISA Debit Card within 2 business days. These exceptions do not apply to: should also call (a000) transactions that originate at an ATM; or (b) transactions that originate from Your gross negligence; or (c) transactions that originate from Your fraudulent use of Your VISA Debit Card; or (d) transactions processed through non000-VISA networks without cardholder PIN validation. IN CASE OF ERRORS OR IF YOU HAVE QUESTIONS ABOUT ELECTRONIC TRANSFERS. Telephone Us at the telephone number shown in this Agreement, 0000 or write to Us the address listed below if you believe a transfer has been made using the information from your check without your permission. NorthRidge Community Credit Union 000 Xxxxxxx Xxxxxxxx Drive PO Box 200 Xxxx Lakes, MN 55750 Fax: (000) 000-0000 RIGHT TO RECEIVE DOCUMENTATION Periodic Statements. Transfers and withdrawals made through any ATM or POS terminal, Debit Card transactions, audio response transactions, preauthorized EFTs, electronic/PC transactions or Bill payments 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 and/or annually. Terminal Receipt. You have the option to receive a receipt at the address shown in this Agreement as soon as You cantime you make any transaction (except inquiries) involving your account using an ATM, if You think Your statement POS terminal, or receipt is wrong or if You need more information about Debit Card transaction with a transaction listed on the statement or receiptparticipating merchant. We must hear from You no later than Direct Deposit. If you have arranged to have a direct deposit made to your account at least once every 60 days after We send You from the first statement on which same source and you do not receive a receipt (such as a pay stub), you can find out whether or not the problem deposit has been made by calling (000) 000-0000 or error appeared(000) 000-0000 or via Online Banking or eBranch. This does not apply to transactions occurring outside the United States.