Common use of Member Liability Clause in Contracts

Member Liability. You are responsible for all transfers you authorize using your Card under this Agreement. If you permit other persons to use your Card or your PIN, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell us at once if you believe anyone has used your PIN or accessed your accounts without your authority. Telephoning is the best way of keeping your possible losses down. For Visa Debit Card purchase transactions, if you notify us of your lost or stolen card within twenty-four (24) hours of discovery and meet certain conditions, you may not be liable for any losses. This zero liability will apply only if: (i) you can demonstrate that you exercised reasonable care in safekeeping your Card from risk of loss or theft; (ii) you have not reported two or more incidents of unauthorized use to us within the preceding 12 months; and (iii) your account is in good standing. If you notify us of your lost or stolen Card after twenty-four (24) hours of discovery or do not satisfy the conditions set forth above, your maximum liability for losses to your account may be up to $50. These liability limits will apply, provided you did not receive a benefit or the unauthorized use of your Card was by someone without actual, implied, or apparent authority, otherwise the liability limits set forth below may apply. For all other EFT transactions, including ATM Card transactions, if you tell us within two (2) business days, you can lose no more than $50 if someone accessed your account without your permission. If you do not tell us within two (2) business days after you learn of the unauthorized use of your account or Card, and we can prove that we could have stopped someone from accessing our account without your permission if you had told us, you could lose as much as $500. Your liability for unauthorized loan transactions through an EFT service is $50. Also, if your statement shows EFT transfers that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may be liable for the following amounts if we can prove that we could have stopped someone from making the transfers if you had told us in time: (i) for unauthorized Visa Debit Card purchase transactions - up to the limits set forth above and (ii) for all other unauthorized ATM transactions - up to the full amount of the loss. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periods. If you believe your Card or PIN have been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call: (▇▇▇) ▇▇▇-▇▇▇▇ or write: Alaska Air Group Credit Union ▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇, ▇▇▇ ▇▇▇ ▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇

Member Liability. You are responsible for all transfers transactions you authorize using your Card EFT services under this Agreement. If you permit other persons someone else to use an EFT service, your Card or your PINaccess code, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell us at once TELL US AT ONCE if you believe anyone your Card and/or access code has been lost or stolen or if you believe someone has used your PIN Card or access code or otherwise accessed your accounts without your authoritypermission. 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. For Visa Debit Card purchase transactions, if you notify us of You could lose all the money in your lost or stolen card within twenty-four account (24) hours of discovery and meet certain conditions, you may plus your maximum overdraft protection plans). You are not be liable for any losses. This zero liability will apply only if: (i) an unauthorized Visa debit card transaction that was not conducted at an ATM if you can demonstrate that you exercised reasonable care in safekeeping protecting your Card from risk of loss or theft; (ii) , you have not reported two or more incidents of unauthorized use to us within in the preceding 12 past twelve (12) months; , and (iii) your account is in good standing. If you notify us of Otherwise your lost or stolen Card after twenty-four (24) hours of discovery or do not satisfy the conditions set forth above, your maximum liability for losses to your account may an unauthorized Visa debit card transaction that was not conducted at an ATM will be up to no more than $50. These liability limits will apply, provided you did not receive a benefit or the unauthorized use of your Card was by someone without actual, implied, or apparent authority, otherwise the liability limits set forth below may apply. For all other EFT transactionstransactions involving access devices, including ATM Card transactionstransactions conducted at ATMs, if your liability for unauthorized transactions is determined as follows: • If you tell us within two (2) business days, you can lose no more than $50 if someone accessed used your account Card or code without your permission. • If you do not NOT tell us within two (2) business days after you learn of the unauthorized use loss or theft of your account Card or Cardcode, and we can prove that we could have stopped someone from accessing our account using your Card or code without your permission if you had told us, you could lose as much as $500. Your liability for unauthorized loan transactions through an EFT service is $50500.00. Also, if your statement shows EFT transfers that you did not make, including those made by card, code, or other means tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may be liable for not get back any money lost after the following amounts sixty (60) days if we can prove that we could have stopped someone from making the transfers if you had told us in time: (i) for unauthorized Visa Debit Card purchase transactions - up to the limits set forth above and (ii) for all other unauthorized ATM transactions - up to the full amount of the loss. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periods. If you believe your Card or PIN have has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call: (▇▇▇) ▇▇▇-▇▇▇▇ or writewrite to: Alaska Air Group Credit Union ▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇You should also call the number or write the address listed above, ▇▇▇ ▇▇▇ ▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇if you believe a transfer has been made using the information from your check without your permission.

Member Liability. You are responsible for all transfers transactions you authorize using your Card EFT services under this Agreement. If you permit other persons someone else to use an EFT service, your Card or your PINaccess code, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell us at once TELL US AT ONCE if you believe anyone your Card and/or access code has been lost or stolen or if you believe someone has used your PIN Card or access code or otherwise accessed your accounts without your authoritypermission. 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. For Visa Debit Card purchase transactions, if you notify us of You could lose all the money in your lost or stolen card within twenty-four account (24) hours of discovery and meet certain conditions, you may plus your maximum overdraft protection plans). You are not be liable for any losses. This zero liability will apply only if: (i) an unauthorized Visa debit card transaction that was not conducted at an ATM if you can demonstrate that you exercised reasonable care in safekeeping protecting your Card from risk of loss or theft; (ii) , you have not reported two or more incidents of unauthorized use to us within in the preceding 12 past twelve (12) months; , and (iii) your account is in good standing. If you notify us of Otherwise your lost or stolen Card after twenty-four (24) hours of discovery or do not satisfy the conditions set forth above, your maximum liability for losses to your account may an unauthorized Visa debit card transaction that was not conducted at an ATM will be up to no more than $50. These liability limits will apply, provided you did not receive a benefit or the unauthorized use of your Card was by someone without actual, implied, or apparent authority, otherwise the liability limits set forth below may apply. For all other EFT transactionstransactions involving access devices, including ATM Card transactionstransactions conducted at ATMs, if your liability for unauthorized transactions is determined as follows: • If you tell us within two (2) business days, you can lose no more than $50 if someone accessed used your account Card or code without your permission. • If you do not NOT tell us within two (2) business days after you learn of the unauthorized use loss or theft of your account Card or Cardcode, and we can prove that we could have stopped someone from accessing our account using your Card or code without your permission if you had told us, you could lose as much as $500. Your liability for unauthorized loan transactions through an EFT service is $50500.00. Also, if your statement shows EFT transfers that you did not make, including those made by card, code, or other means tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may be liable for not get back any money lost after the following amounts sixty (60) days if we can prove that we could have stopped someone from making the transfers if you had told us in time: (i) for unauthorized Visa Debit Card purchase transactions - up to the limits set forth above and (ii) for all other unauthorized ATM transactions - up to the full amount of the loss. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periods. If you believe your Card or PIN have has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call: (▇▇▇) ▇▇▇-▇▇▇▇ or writewrite to: Alaska Air Group Credit Union ▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇You should also call the number or write the address listed above, ▇▇▇ ▇▇▇ ▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇if you believe a transfer has been made using the information from your check without your permission.

Member Liability. You are responsible for all transfers EFT transactions you authorize using your Card under this Agreementauthorize. If you permit other persons someone else to use an EFT service, your Card or your PINaccess code, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell Tell us at once AT ONCE if you believe anyone your card has been lost or stolen or if you believe someone has used your PIN Card or access code or otherwise accessed your accounts without your authority. Telephoning is the best way of keeping your possible losses down. For Visa Debit You could lose all the money in your account (plus your maximum overdraft life of credit). If a transaction was made with your Card purchase transactionsor Card number without your permission, if and was either a VISA or other valid network, you notify us will have no liability for the transaction. Unless you were grossly negligent in the handling of your lost account or stolen card within twenty-four (24) hours of discovery and meet certain conditions, you may not be liable for any losses. This zero liability will apply only if: (i) you can demonstrate that you exercised reasonable care in safekeeping your Card from risk of loss or theft; (ii) you have not reported two or more incidents of unauthorized use to us within the preceding 12 months; and (iii) your account is in good standing. If you notify us of your lost or stolen Card after twenty-four (24) hours of discovery or do not satisfy the conditions set forth abovecard, your maximum liability for losses to your account may be up to $50an unauthorized transaction is determined as follows. These liability limits will apply, provided you did not receive a benefit or the unauthorized use of your Card was by someone without actual, implied, or apparent authority, otherwise the liability limits set forth below may apply. For all other EFT transactions, including ATM Card transactions, if 10 If you tell us within two (2) business days, days you can lose no more than $50 if someone accessed used your account Card without your permission. If you do not NOT tell us within two (2) business days after you learn of the unauthorized use loss or theft of your account or Card, and we can prove that we could have stopped someone from accessing our account using your Card without your permission if you had told us, you could lose as much as $500. Your liability for unauthorized loan transactions through an EFT service is $50500.00. Also, if your statement shows EFT transfers that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may be liable for not get back any money lost after the following amounts sixty (60) days if we can prove that we could have stopped someone from making the transfers if you had told us in time: (i) for unauthorized Visa Debit Card purchase transactions - up to the limits set forth above and (ii) for all other unauthorized ATM transactions - up to the full amount of the loss. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periods. If you believe your Card or PIN have has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call: (▇▇▇) ▇▇▇-▇▇▇▇ or write: Alaska Air Group Credit Union ▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇, ▇▇▇ ▇▇▇ ▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇:

Member Liability. You are responsible for all transfers you authorize using your Card EFT services under this Agreement. If you permit other persons to use your an EFT service, Card or your PIN, Access Code you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell Tell us at once if you believe anyone has used your PIN Account, Card or accessed your accounts Access Code without your authorityauthority or if you believe that an electronic funds transfer has been made without your permission. Telephoning Calling Member Services is the best way of keeping your possible losses down. For Visa Debit Card purchase transactions, if you notify us of your lost or stolen card within twenty-four (24) hours of discovery and meet certain conditionscard, you may not be liable for any losses. This zero liability will apply only if: losses provided you were not grossly negligent (ifor example allowing any other individual access to your PIN and/or Card) you can demonstrate that you exercised reasonable care or fraudulent in safekeeping handling your Card from risk of loss or theft; (ii) and you have not reported two or more incidents of provide us with a written statement regarding your unauthorized use to us within Card claim, otherwise the preceding 12 months; and (iii) your account is in good standing. If you notify us of your lost or stolen Card after twenty-four (24) hours of discovery or do not satisfy the conditions set forth above, your maximum liability for losses to your account may be up to $50. These following liability limits will apply, provided you did not receive a benefit or the unauthorized use of your Card was by someone without actual, implied, or apparent authority, otherwise the liability limits set forth below may apply. For all other EFT transactions, including ATM Card transactions except electronic check transactions, if you tell us of the unauthorized use of your account within two (2) business days, you can lose no more than $50 if someone accessed your account without your permission. If you do not tell us within two (2) business days after you learn of the unauthorized use of your account or CardEFT service, and we can prove that we could have stopped someone from accessing our your account without your permission if you had told us, you could lose as much as $500. Your liability for unauthorized loan transactions through an EFT service is $50. Also, if your statement shows EFT transfers that you did not makemake including made by Card, Access Code or other means, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed or became available to you, you may be liable for the following amounts if we can prove that we could have stopped someone from making the transfers if you had told us in time: (i) for unauthorized Visa Debit Card debit card purchase transactions - -- up to the limits set forth above and (ii) for all other unauthorized ATM EFT transactions - -- up to the full amount of the loss. If a good reason (such as a hospital stay) extenuating circumstances kept you from telling us, we will may extend the time periods. If you believe your Card or PIN have has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call: (▇▇▇) ▇▇▇-▇▇▇▇ or write: Alaska Air Group Credit Union local (▇▇▇) ▇▇▇-▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇toll free or write: OnPoint Community Credit Union Attn: Member Services PO Box 3750 Portland, ▇▇▇ ▇▇▇ ▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇OR 97208-3750

Member Liability. You are responsible for all transfers transactions you authorize using your Card EFT services under this Agreement. If you permit other persons someone else to use an EFT service, your Card or your PINaccess code, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell us at once TELL US AT ONCE if you believe anyone your Card and/or access code has been lost or stolen or if you believe someone has used your PIN 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 permission, using information from your check. Telephoning is the best way of keeping your possible losses down. For You could lose all the money in your account (plus your maximum overdraft protection plans). If a transaction was made with your card or card number without your permission and was a Visa Debit Card purchase transactionstransaction, if you notify us will have no liability for the transaction, unless you were fraudulent or negligent in the handling of your lost account or stolen card within twenty-four (24) hours of discovery and meet certain conditions, you may not be liable for any losses. This zero liability will apply only if: (i) you can demonstrate that you exercised reasonable care in safekeeping your Card from risk of loss or theft; (ii) you have not reported two or more incidents of unauthorized use to us within the preceding 12 months; and (iii) your account is in good standing. If you notify us of your lost or stolen Card after twenty-four (24) hours of discovery or do not satisfy the conditions set forth above, your maximum liability for losses to your account may be up to $50. These liability limits will apply, provided you did not receive a benefit or the unauthorized use of your Card was by someone without actual, implied, or apparent authority, otherwise the liability limits set forth below may applycard. For all other EFT transactionstransactions involving your card or access code, including ATM Card transactions, if you tell us within two (2) business days, you can lose no more than $50 if someone accessed were negligent in the handling of your account without or card, your permission. liability for an unauthorized transaction is determined as follows: • If you do not tell us within two (2) business days after you learn of the unauthorized use loss or theft of your account card or Cardaccess code, you can lose no more than $50.00 if someone used your Card or code without your permission. • If you do NOT tell us within two (2) business days after you learn of the loss or theft of your Card or access code, and we can prove that we could have stopped someone from accessing our account using your Card or access code without your permission if you had told us, you could lose as much as $500. Your liability for unauthorized loan transactions through an EFT service is $50500.00. Also, if your statement shows EFT transfers that you did not make, including those made by card, access code, or other means tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may be liable for not get back any money lost after the following amounts sixty (60) days if we can prove that we could have stopped someone from making the transfers if you had told us in time: (i) for unauthorized Visa Debit Card purchase transactions - up to the limits set forth above and (ii) for all other unauthorized ATM transactions - up to the full amount of the loss. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periods. If you believe your Card or PIN have access code has been lost or stolen or that someone has transferred or may transfer money from your account accounts without your permission, call: (▇▇▇) ▇▇▇-▇▇▇▇ or writewrite to: Alaska Air Group Credit Union ▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇You should also call the number or write the address listed above, ▇▇▇ ▇▇▇ ▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇if you believe a transfer has been made using the information from your check without your permission.

Member Liability. a. You are responsible for all transfers transactions you authorize using your Card EFT services under this Agreement. If you permit other persons someone else to use an EFT service, your Card card or your PINaccess code, you are responsible for any transactions they authorize or conduct on any of your accounts. In order to maintain secure communications and reduce fraud, you agree to protect the security of your numbers, codes, marks, signs, passwords, or other means of identification. We reserve the right to block access to the services to maintain or restore security to Online Banking and our systems if we reasonably believe your access codes have been or may be obtained or are being used or may be used by an unauthorized person(s). You will bear the liability or the risk of any error or loss of data, information, transactions or other losses that may be due to the failure of your computer system or third-party communications provider on which you may rely. However, tell us at once AT ONCE if you believe anyone your card and/or access code has been lost or stolen or if you believe someone has used your PIN Card or access code or otherwise accessed your accounts without your authoritypermission. Telephoning us is the best way of keeping minimizing your possible losses down. For Visa Debit Card purchase transactions, if you notify us of your lost or stolen card within twenty-four (24) hours of discovery and meet certain conditions, you may not be liable for any losses. This zero liability will apply only if: (i) you can demonstrate that you exercised reasonable care You could lose all the money in safekeeping your Card from risk of loss or theft; (ii) you have not reported two or more incidents of unauthorized use to us within the preceding 12 months; and (iii) your account is in good standing(plus your maximum overdraft line of credit). If you notify us of your lost or stolen Card after twenty-four (24) hours of discovery or do not satisfy the conditions set forth above, your maximum liability for losses to your account may be up to $50. These liability limits will apply, provided you did not receive a benefit or the unauthorized use of your Card was by someone without actual, implied, or apparent authority, otherwise the liability limits set forth below may apply. For all other EFT transactions, including ATM Card transactions, if you tell us within two (2) business days, you can lose no more than $50 if someone accessed your account without your permission. If you do not tell us within two (2) business days after you learn of the unauthorized use loss or theft of your account Card and/or access code, you will not be liable. b. If you do NOT tell us within 2 business days after you learn of the loss or Cardtheft of your card and/or code, and we can prove that we could have stopped someone from accessing our account using your card and/or code without your permission if you had told us, you could lose as much as be liable for up to $500500 or more. c. Additional Limit on Liability for Visa Debit Card: Unless you have been grossly negligent or have engaged in fraud, you will not be liable for any unauthorized transactions using your lost or stolen Visa Debit Card. Your This additional limit on liability for unauthorized loan does not apply to ATM transactions, to transactions through an EFT service is $50. using your Personal Identification Number which are not processed by Visa, or to commercial cards. d. Also, if your statement shows EFT transfers that you did not make, tell us at once. If you do not tell us within sixty (60) 60 calendar days after the statement was mailed to you, you may be liable for not get back any money you lost after the following amounts 60 calendar days if we can prove that we could have stopped someone from making taking the transfers money if you had told us in time: (i) for unauthorized Visa Debit Card purchase transactions - up to the limits set forth above and (ii) for all other unauthorized ATM transactions - up to the full amount of the loss. . e. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will may extend the time periods. . f. If you believe your Card or PIN have card and/or code has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call: (call ▇▇▇) -▇▇▇-▇▇▇▇ or writewrite to: Alaska Air Group Denver Community Credit Union Union, ▇▇▇▇ ▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇, ▇▇▇ ▇▇▇ ▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇.

Member Liability. You are responsible for all transfers transactions you authorize using your Card EFT services under this Agreement. If you permit other persons someone else to use an EFT service, your Card card or your PINaccess code, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell us at once TELL US AT ONCE if you believe anyone your card and/or access code has been lost or stolen, if you believe someone has used your PIN card or access code or otherwise accessed your accounts without your authoritypermission, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line-of- credit). If a transaction was made with your card or card number without your permission and was a Visa transaction, you will have no liability for the transaction, unless you were fraudulent or negligent in handling your account or card. For Visa Debit Card purchase transactions, all other unauthorized use involving the loss or theft of your card or access code or if you notify us of your lost or stolen card within twenty-four (24) hours of discovery and meet certain conditions, you may not be liable for any losses. This zero liability will apply only if: (i) you can demonstrate that you exercised reasonable care were negligent in safekeeping your Card from risk of loss or theft; (ii) you have not reported two or more incidents of unauthorized use to us within the preceding 12 months; and (iii) handling your account is in good standing. If you notify us of your lost or stolen Card after twenty-four (24) hours of discovery or do not satisfy the conditions set forth abovecard, your maximum liability for losses to your account unauthorized use may be up to $5050.00. These liability limits will applyAlso, provided if your statement shows transfers that you did not receive a benefit make including those made by card, access code or the unauthorized use of your Card was by someone without actualother means, implied, or apparent authority, otherwise the liability limits set forth below may apply. For all other EFT transactions, including ATM Card transactions, if you tell us within two (2) business days, you can lose no more than $50 if someone accessed your account without your permissionTELL US AT ONCE. If you do not tell us within two (2) business days after you learn of the unauthorized use of your account or Card, and we can prove that we could have stopped someone from accessing our account without your permission if you had told us, you could lose as much as $500. Your liability for unauthorized loan transactions through an EFT service is $50. Also, if your statement shows EFT transfers that you did not make, tell us at once. If you do not tell us within sixty (60) 60 days after the statement was mailed to you, you may be liable for not get back any money lost after the following amounts 60 days if we can prove that we could have stopped someone from making the transfers if you had told us in time: (i) for unauthorized Visa Debit Card purchase transactions - up to the limits set forth above and (ii) for all other unauthorized ATM transactions - up to the full amount of the loss. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periods. This paragraph does not apply to unauthorized use of a Visa debit card, an ATM card or other access device. If you believe your Card card or PIN have access code has been lost or stolen or that someone has transferred or may transfer money from your account accounts without your permission, call: (▇▇▇) ▇▇▇-▇▇▇▇ (▇▇▇) ▇▇▇-▇▇▇▇ or writewrite to: Alaska Air Group BCS Community Credit Union ▇▇▇▇ ▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇ Wheat Ridge, CO 80033 Fax: (▇▇▇) ▇▇▇-▇▇▇▇ ▇▇▇▇ ▇, ▇▇▇ ▇▇▇ ▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇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 without your permission.

Member Liability. You are responsible for all transfers you authorize using your Card EFT services under this Agreement. If you permit other persons to use your Card an EFT service, POS/ATM or your PINDebit Card, or access code, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell us at once if you believe anyone has used your PIN Account, Visa Debit Card, Elevations POS/ATM Card, or Buff OneCard, or access code and accessed your accounts without your authority. Telephoning immediately is the best way of keeping your possible losses down. For The maximum liability for fraudulent transactions made with a PIN “access code” at an ATM or Merchant is $50. Visa Debit Card purchase transactions not approved by a PIN might be processed through non-Visa Debit networks that offer the PIN-less service and may not be processed as Visa transactions. Visa Debit Card transactions not approved by a PIN and processed through non-Visa Debit networks do not include the benefits provided by Visa (e.g. zero liability, $50 consumer loss cap, provisional credit policies of Visa, and the Visa chargeback and dispute resolution). If there is an unauthorized Visa Debit Card transaction made without a PIN “access code”, and the transaction takes place on the VISA network, then your liability will be zero ($0.00); if you notify us promptly of your lost or stolen card within twenty-four (24) hours of discovery and meet certain conditionsCard, provided you may were not be liable for any losses. This zero liability will apply only if: (i) you can demonstrate that you exercised reasonable care grossly negligent or fraudulent in safekeeping handling your Card from risk of loss or theft; (ii) and you have not reported two or more incidents of provide us with a written statement regarding your unauthorized use to us within Card claim, otherwise the preceding 12 months; and (iii) your account is in good standing. If you notify us of your lost or stolen Card after twenty-four (24) hours of discovery or do not satisfy the conditions set forth above, your maximum liability for losses to your account may be up to $50. These following liability limits will apply, provided you did not receive a benefit or the unauthorized use of your Card was by someone without actual, implied, or apparent authority, otherwise the liability limits set forth below may apply. For all other EFT transactions, including ATM Card transactions, if you tell us within two (2) business days, you can lose no more than $50 if someone accessed your account without your permission. If you do not tell us within two (2) business days after you learn of the unauthorized use of your account or CardEFT service, and we can prove that we could have stopped someone from accessing our your account without your permission if you had told us, you could lose as much as $500. Your liability for unauthorized loan transactions through an EFT service is $50. Also, if your statement shows EFT transfers that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to youyou or when your eStatement was made available for your review on our website, you may be liable for the following amounts if we can prove that full amount of the loss, we could have stopped someone from making the transfers if you had told us in time: (i) for unauthorized Visa Debit Card purchase transactions - up to the limits set forth above and (ii) for all other unauthorized ATM transactions - up to the full amount of the loss. If a good reason (such as a hospital stay) kept you from telling us, we will may extend the time periods. . a. If you believe your ATM Card, Buff OneCard, Visa Debit Card or PIN have access code has been lost or stolen stolen, or that someone has transferred or may transfer money from your account without your permissionpermission : Telephone: Lost or Stolen 24/7, call: (call ▇▇▇) .▇▇▇-.▇▇▇▇ within the US or write: Alaska Air Group Credit Union 909.941.1398 collect outside of the US All other card inquiries call ▇▇▇.▇▇▇.▇▇▇▇ Email: available on ▇▇▇▇▇▇▇▇▇▇▇▇▇ ▇.▇▇▇ ▇Mail: Elevations Credit Union P. O. Box 9004 Boulder, ▇▇▇ ▇▇▇ ▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇CO 80301-9004

Member Liability. You are responsible for all transfers you authorize using your Card under this Agreement. If you permit other persons to use your Card or your PIN, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell us at once if you believe anyone has used your PIN or accessed your accounts without your authority. Telephoning is the best way of keeping your possible losses down. For Visa Debit Card purchase transactions, if you notify us of your lost or stolen card within twenty-four (24) hours of discovery and meet certain conditions, you may not be liable for any losses. This zero liability will apply only if: (i) you can demonstrate that you exercised reasonable care in safekeeping your Card from risk of loss or theft; (ii) you have not reported two or more incidents of unauthorized use to us within the preceding 12 months; and (iii) your account is in good standing. If you notify us of your lost or stolen Card after twenty-four (24) hours of discovery or do not satisfy the conditions set forth above, your maximum liability for losses to your account may be up to $50. These liability limits will apply, provided you did not receive a benefit or the unauthorized use of your Card was by someone without actual, implied, or apparent authority, otherwise the liability limits set forth below may apply. For all other EFT transactions, including ATM Card transactions, if you tell us within two (2) business days, you can lose no more than $50 if someone accessed your account without your permission. If you do not tell us within two (2) business days after you learn of the unauthorized use of your account or Card, and we can prove that we could have stopped someone from accessing our account without your permission if you had told us, you could lose as much as $500. Your liability for unauthorized loan transactions through an EFT service is $50. Also, if your statement shows EFT transfers that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may be liable for the following amounts if we can prove that we could have stopped someone from making the transfers if you had told us in time: (i) for unauthorized Visa Debit Card purchase transactions - up to the limits set forth above and (ii) for all other unauthorized ATM transactions - up to the full amount of the loss. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periods. If you believe your Card or PIN have been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call: call (▇▇▇) ▇▇▇-▇▇▇▇ during business hours or write: Alaska Air Group Credit Union (▇▇▇) ▇▇▇-▇▇▇▇ after hours. If you believe someone has transferred or may transfer money from your account without your permission call (▇▇▇) ▇▇▇-▇▇▇▇▇ . Visit our website ▇▇▇.▇▇▇▇▇▇▇▇▇▇.▇▇▇ ▇▇▇▇ ▇, ▇▇▇ ▇▇▇ ▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇for the Visa Debit Card dispute forms.

Member Liability. You are responsible for all transfers you authorize using your Card under this Agreement. If you permit other persons to use your Card or your PIN, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell us at once if you believe anyone has used your PIN or accessed your accounts without your authority. Telephoning is the best way of keeping your possible losses down. For Visa Debit Card purchase transactions, if you notify us of your lost or stolen card within twenty-four (24) hours of discovery and meet certain conditions, you may not be liable for any losses. This zero liability will apply only if: (i) you can demonstrate that you exercised reasonable care in safekeeping your Card from risk of loss or theft; (ii) you have not reported two or more incidents of unauthorized use to us within the preceding 12 months; and (iii) your account is in good standing. If you notify us of your lost or stolen Card after twenty-four (24) hours of discovery or do not satisfy the conditions set forth above, your maximum liability for losses to your account may be up to $50. These liability limits will apply, provided you did not receive a benefit or the unauthorized use of your Card was by someone without actual, implied, or apparent authority, otherwise the liability limits set forth below may apply. For all other EFT transactions, including ATM Card transactions, if you tell us within two (2) business days, you can lose no more than $50 if someone accessed your account without your permission. If you do not tell us within two (2) business days after you learn of the unauthorized use of your account or Card, and we can prove that we could have stopped someone from accessing our account without your permission if you had told us, you could lose as much as $500. Your liability for unauthorized loan transactions through an EFT service is $50. Also, if your statement shows EFT transfers that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may be liable for the following amounts if we can prove that we could have stopped someone from making the transfers if you had told us in time: (i) for unauthorized Visa Debit Card purchase transactions - up to the limits set forth above and (ii) for all other unauthorized ATM transactions - up to the full amount of the loss. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periods. If you believe your Card or PIN have been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call: call (▇▇▇) ▇▇▇-▇▇▇▇ during business hours or write: Alaska Air Group Credit Union ▇▇▇-▇▇▇-▇▇▇▇ after hours. If you believe someone has transferred or may transfer money from your account without your permission call ▇▇▇-▇▇▇-▇▇▇▇▇ . Visit our website ▇▇▇.▇▇▇▇▇▇▇▇▇▇.▇▇▇ ▇▇▇▇ ▇, ▇▇▇ ▇▇▇ ▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇for the Visa Debit Card dispute forms.

Member Liability. You are responsible for all transfers you authorize using your Card EFT services under this Agreement. If you permit other persons to use your an EFT service, Card or your PIN/access code, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell us at once if you believe anyone has used your PIN Account, Card or PIN/access code and accessed your accounts without your authority. Telephoning is the best way of keeping your possible losses down. For Visa Debit Card purchase transactions, if you notify us of your lost or stolen card within twenty-four (24) hours of discovery and meet certain conditionscard, you may will not be liable for any losses. This zero liability will apply only if: (i) losses provided you can demonstrate that you exercised reasonable care were not grossly negligent or fraudulent in safekeeping handling your Card from risk of loss or theft; (ii) and you have not reported two or more incidents of provide us with a written statement regarding your unauthorized use to us within Card claim, otherwise the preceding 12 months; and (iii) your account is in good standing. If you notify us of your lost or stolen Card after twenty-four (24) hours of discovery or do not satisfy the conditions set forth above, your maximum liability for losses to your account may be up to $50. These following liability limits will apply, provided you did not receive a benefit or the unauthorized use of your Card was by someone without actual, implied, or apparent authority, otherwise the liability limits set forth below may apply. For all other EFT transactions, including ATM Card transactions, if you tell us within two (2) business days, you can lose no more than $50 if someone accessed your account without your permission. If you do not tell us within two (2) business days after you learn of the unauthorized use of your account or CardEFT service, and we can prove that we could have stopped someone from accessing our your account without your permission if you had told us, you could lose as much as $500. Your liability for unauthorized loan transactions through an EFT service is $50. Also, if your statement shows EFT transfers that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may be liable for the following amounts if we can prove that we could have stopped someone from making the transfers if you had told us in time: (i) for unauthorized Visa Debit Card VISA purchase transactions - -- up to the limits set forth above and (ii) for all other unauthorized ATM EFT transactions - -- up to the full amount of the loss. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periods. If you believe your Card or PIN have access code has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call: (▇▇▇) ▇▇▇-▇▇▇▇ or write: Alaska Air Group Credit Union ▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇, ▇▇▇ ▇▇▇ ▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇:

Member Liability. You are responsible for all transfers transactions you authorize using your Card EFT services under this Agreement. If you permit other persons to use your any EFT service ATM Card or VISA Debit Card or your PIN, access code you are responsible for any transactions they authorize or conduct on any of your accounts. HoweverYou are also responsible for all EFT payments to recipients using recipient information generated by you, tell even if that recipient turns out to be a fraudster or different than the intended recipient. Tell us at once AT ONCE if you believe anyone your card has used your PIN been lost or accessed your accounts without your authoritystolen. Telephoning Contacting us immediately is the best way of keeping your possible losses down. For Visa Debit Card purchase transactionsYou could be responsible for all the money in your account (plus your maximum overdraft line of credit unless protected by law). If a transaction was made with your card or card number without your authorization, if and it was a Visa® transaction, you notify us will have no or only a certain amount of liability for the transaction, unless you were grossly negligent in the handling of your lost account or stolen card within twenty-four (24) hours of discovery and meet certain conditions, you may not be liable for any lossescard. This zero liability will apply only if: (i) you can demonstrate that you exercised reasonable care in safekeeping your Card from risk of loss or theft; (ii) you have not reported two or more incidents of unauthorized use to us within the preceding 12 months; and (iii) your account is in good standing. If you notify us of your lost or stolen Card after twenty-four (24) hours of discovery or do not satisfy the conditions set forth above, your maximum Your liability for losses to your account may be up to $50. These liability limits will apply, provided you did not receive a benefit or the unauthorized use of your Card was by someone without actualcard or account will be determined under the following paragraphs for transactions that are not Visa transactions, impliedfor transactions at ATMs, or apparent authority, otherwise if you were grossly negligent in the liability limits set forth below may applyhandling of your account or card. For all other EFT transactions, including ATM Card transactions, if If you tell us within two (2) business days, you can lose be responsible for no more than $50 if someone accessed used your account card without your permissionauthorization. If you do not NOT tell us within two (2) business days after you learn of the unauthorized use loss or theft of your account card or Card, and we can prove that we could have stopped someone from accessing our account without your permission if you had told usPIN, you could lose be responsible for as much as $500. Your liability for unauthorized loan transactions through an EFT service is $50. Also, if your statement shows EFT transfers that you did not make, tell us at once. If you do not tell us within sixty (60) 60 days after the statement was mailed made available to you, you may be liable for not get back any money that was taken from you after the following amounts if we can prove that we could have stopped someone from making the transfers if you had told us in time: (i) for unauthorized Visa Debit Card purchase transactions - up to the limits set forth above and (ii) for all other unauthorized ATM transactions - up to the full amount of the loss60 days. If a good reason (such as an unexpected circumstance or a hospital stay) kept you from telling us, we will may extend the time periods. If you believe Use of peer-to-peer mobile payment apps is governed by the providers’ terms and conditions and are only available for payments to known individuals, such as your Card share of the dinner bill. These apps are not available for the payment of goods or PIN have been lost services. You are responsible for all EFT payments to recipients using recipient information generated by you, even if that recipient turns out to be a fraudster or stolen or that someone has transferred or may transfer money from your account without your permission, call: (▇▇▇) ▇▇▇-▇▇▇▇ or write: Alaska Air Group Credit Union ▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇, ▇▇▇ ▇▇▇ ▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇different than the intended recipient.

Member Liability. You are responsible for all transfers transactions you authorize using your Card EFT services under this Agreement. If you permit other persons someone else to use an EFT service, your Card card or your PINaccess code, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell us at once TELL US AT ONCE if you believe anyone your card or access code has been lost or stolen, if you believe someone has used your PIN card or access code or otherwise accessed your accounts account without your authority, 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. For You could lose all the money in your account (plus your maximum overdraft line-of-credit or overdraft privilege service). If a transaction was made with your card or card number without your permission and was either a Visa Debit Card purchase transactionsor Interlink transaction, if you notify us will have no liability for the transaction, unless you were grossly negligent in the handling of your lost account or stolen card within twenty-four (24) hours of discovery and meet certain conditions, you may not be liable for any losses. This zero liability will apply only if: (i) you can demonstrate that you exercised reasonable care in safekeeping your Card from risk of loss or theft; (ii) you have not reported two or more incidents of unauthorized use to us within the preceding 12 months; and (iii) your account is in good standing. If you notify us of your lost or stolen Card after twenty-four (24) hours of discovery or do not satisfy the conditions set forth above, your maximum liability for losses to your account may be up to $50. These liability limits will apply, provided you did not receive a benefit or the unauthorized use of your Card was by someone without actual, implied, or apparent authority, otherwise the liability limits set forth below may applyaccess code. For all other EFT transactions, including ATM Card transactions, transactions or if you tell us within two (2) business days, you can lose no more than $50 if someone accessed were grossly negligent in the handling of your account without or card or access code, your permissionliability for an unauthorized transaction is determined as follows. If you do not tell us within two (2) business days after you learn of the unauthorized use loss or theft of your account card or Cardaccess code, you can lose no more than $50 if someone used your card or access code without your permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your card or access code and we can prove that we could have stopped someone from accessing our account using your card or access code without your permission if you had told us, you could lose as much as $500. Your liability for unauthorized loan transactions through an EFT service is $50. Also, if your statement shows EFT transfers that you did not makemake including those made by card, tell us at once. access code, or other means, TELL US AT ONCE If you do not tell us within sixty (60) 60 days after the statement was mailed to you, you may be liable for not get back any money lost after the following amounts 60 days if we can prove that we could have stopped someone from making the transfers if you had told us in time: (i) for unauthorized Visa Debit Card purchase transactions - up to the limits set forth above and (ii) for all other unauthorized ATM transactions - up to the full amount of the loss. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periods. If you believe your Card or PIN have been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call: (▇▇▇) ▇▇▇-▇▇▇▇ or write: Alaska Air Group Credit Union ▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇, ▇▇▇ ▇▇▇ ▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇.

Member Liability. You are responsible for all transfers EFT transactions you authorize using your Card under this Agreementauthorize. If you permit other persons someone else to use an EFT service, your Card card or your PINaccess code, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell us at once TELL US AT ONCE if you believe anyone your card has been lost or stolen, if you believe someone has used your PIN 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 permission using information from your check. Telephoning is the best way of keeping your possible losses down. For You could lose all the money in your account (plus your maximum overdraft line of credit). If a transaction was made with your card or card number without your permission, and was either a Visa Debit Card purchase transactionsor Interlink transaction, if you notify us will have no liability for the transaction, unless you were grossly negligent in the handling of your lost account or stolen card within twenty-four (24) hours of discovery and meet certain conditions, you may not be liable for any losses. This zero liability will apply only if: (i) you can demonstrate that you exercised reasonable care in safekeeping your Card from risk of loss or theft; (ii) you have not reported two or more incidents of unauthorized use to us within the preceding 12 months; and (iii) your account is in good standing. If you notify us of your lost or stolen Card after twenty-four (24) hours of discovery or do not satisfy the conditions set forth above, your maximum liability for losses to your account may be up to $50. These liability limits will apply, provided you did not receive a benefit or the unauthorized use of your Card was by someone without actual, implied, or apparent authority, otherwise the liability limits set forth below may applycard. For all other EFT transactions, including ATM Card transactionstransactions or if you were grossly negligent in the handling of your account or card, if your liability for an unauthorized transaction is determined as follows. If you tell us within two (2) business days, you can lose no more than $50 if someone accessed used your account card without your permission. If you do not NOT tell us within two (2) business days after you learn of the unauthorized use loss or theft of your account or Cardcard, and we can prove that we could have stopped someone from accessing our account using your card without your permission if you had told us, you could lose as much as $500. Your liability for unauthorized loan transactions through an EFT service is $50. Also, if your statement shows EFT transfers that you did not makemake including those made by card, tell us at oncecode or other means, TELL US AT ONCE. If you do not tell us within sixty (60) days after the statement was mailed to you, you may be liable for not get back any money lost after the following amounts sixty (60) days if we can prove that we could have stopped someone from making the transfers if you had told us in time: (i) for unauthorized Visa Debit Card purchase transactions - up to the limits set forth above and (ii) for all other unauthorized ATM transactions - up to the full amount of the loss. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periods. If you believe your Card or PIN have card has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, callCall: (▇▇▇) .▇▇▇-.▇▇▇▇ or write800.762.3543 Email: Alaska Air Group ▇▇▇▇▇▇▇▇▇▇▇▇▇▇@▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ Write to: Space City Credit Union ▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇, ▇▇▇ ▇▇▇ ▇▇▇▇▇▇. Houston, ▇▇ ▇▇▇▇▇TX 77003 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 without your permission.

Member Liability. You are solely responsible for all transfers you authorize using your Card any Services under this Agreement. If you permit other persons to use your Card Password or access code and initiate transactions with this Service, you are responsible for any transactions they authorize or conduct on any of your PINAccounts. For EFT transactions on a consumer deposit account, under this Agreement, you are responsible for all transactions you authorize using Digital Banking (Online Banking, Mobile Banking, Bill Pay, and any other Electronic Service). For consumer accounts, transactions by family members or friends that you allow on your Account are authorized by you. If you permit other persons to use your Password, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell you must notify us at once immediately if you believe anyone has used your PIN or Password and accessed your accounts without your authority. Telephoning is the best way of keeping your possible losses downauthorization. For Visa Debit Card purchase EFT transactions, if you notify us of your lost or stolen card within twenty-four (24) hours of discovery and meet certain conditions, you may not be liable for any losses. This zero liability will apply only if: (i) you can demonstrate that you exercised reasonable care in safekeeping your Card from risk of loss or theft; (ii) you have not reported two or more incidents of unauthorized use to us within the preceding 12 months; and (iii) your account is in good standing. If you notify us of your lost or stolen Card after twenty-four (24) hours of discovery or do not satisfy the conditions set forth above, your maximum liability for losses to your account may be up to $50. These liability limits will apply, provided you did not receive a benefit or the unauthorized use of your Card was by someone without actual, implied, or apparent authority, otherwise the liability limits set forth below may apply. For all other EFT transactions, including ATM Card transactions, if you tell us within two (2) business days, you can lose no more than $50 if someone accessed your account without your permission. If you do not tell notify us within two (2) business days after you learn of the unauthorized use of your account or CardPassword, and we can prove that we could have stopped someone from accessing our your account without your permission if you had told us, you could lose as much as $500. Your liability for unauthorized loan transactions through an EFT service is $50. Also, if If your statement shows EFT transfers transactions that you did not make, tell notify us at onceimmediately. If you do not tell notify us within sixty (60) days after the statement was mailed or electronically delivered to you, you may be liable for the following amounts full amount of the loss if we can prove that we could have stopped someone from making the transfers if you had told us in time: (i) for unauthorized Visa Debit Card purchase transactions - up to the limits set forth above and (ii) for all other unauthorized ATM transactions - up to the full amount of the lossEFT transactions. If a good reason (such as a hospital stay) kept you from telling notifying us, we will may extend the time periodsperiod. If you believe your Card or PIN have Password has been lost or stolen or that someone has transferred or may transfer money funds from your account without your permission, callcontact us immediately by one of the following: Telephone: (541) 672-900 or (▇▇▇) ▇▇▇-▇▇▇▇ or write: Alaska Air Group In person at one of the Cascade Community Federal Credit Union ▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇, ▇▇▇ ▇▇▇ ▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇branches.

Member Liability. You are responsible for all transfers transactions you authorize using your Card EFT services under this Agreement. If you permit other persons someone else to use an EFT service, your Card card, PIN, username or your PINpassword, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell Tell us at once AT ONCE if you believe anyone your card, PIN, username or password has been lost or stolen, if you believe someone has used your PIN card, PIN, username or password or otherwise accessed your accounts without your authority, or if you believe that an EFT has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. For Visa Debit Card purchase transactions, if you notify us of your lost or stolen card within twenty-four (24) hours of discovery and meet certain conditions, you may not be liable for any losses. This zero liability will apply only if: (i) you can demonstrate that you exercised reasonable care You could lose all the money in safekeeping your Card from risk of loss or theft; (ii) you have not reported two or more incidents of unauthorized use to us within the preceding 12 months; and (iii) your account is in good standing(plus your maximum overdraft line-of-credit). If you notify us of your lost or stolen Card after twenty-four (24) hours of discovery or do not satisfy the conditions set forth above, your maximum liability for losses to your account may be up to $50. These liability limits will apply, provided you did not receive a benefit or the unauthorized use of your Card was by someone without actual, implied, or apparent authority, otherwise the liability limits set forth below may apply. For all other EFT transactions, including ATM Card transactions, if you tell us within two (2) business days, you can lose no more than $50 if someone accessed your account without your permission. If you do not tell us within two (2) business days after you learn of the unauthorized use loss or theft of your account card, PIN, username or Cardpassword, you can lose no more than $50 if someone used your card, PIN, username or password without your permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your card, PIN, username or password and we can prove that we could have stopped someone from accessing our account using your card, PIN, username or password without your permission if you had told us, you could lose as much as $500. Your liability for unauthorized loan transactions through an EFT service is $50. Also, if your statement shows EFT transfers transactions that you did not makemake including those made by your card, tell us at oncePIN, username or password or other means, TELL US AT ONCE. If you do not tell us within sixty (60) 60 days after the statement was mailed to you, you may be liable for not get back any money lost after the following amounts 60 days if we can prove that we could have stopped someone from making the transfers EFT if you had told us in time: (i) for unauthorized Visa Debit Card purchase transactions - up to the limits set forth above and (ii) for all other unauthorized ATM transactions - up to the full amount of the loss. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periods. If you believe your Card card, PIN, username or PIN have password has been lost or stolen stolen, or that someone has transferred or may transfer money from your account accounts without your permission, call: (▇▇▇) ▇▇▇-▇▇▇▇ call or write: Alaska Air Group Purdue Federal Credit Union ▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇PO Box 1950, ▇▇▇ ▇▇▇ ▇▇▇▇▇▇West Lafayette, ▇▇ ▇▇▇▇▇IN 47996-1950 800.627.3328 (toll free), 765.497.3328 You should also call the number or write the address listed above if you believe a transfer has been made using the information from your check without your permission. Your Visa® Debit Card offers Zero Liability for unauthorized transactions. If a transaction was made with your card or card number without your permission, you will have no liability for the transaction, unless you were negligent in the handling of your account or card or PIN. Purdue Federal requests that you report any unauthorized use of your account immediately. There may also be limited liability in certain commercial card transactions or any other transaction not processed by Visa.

Member Liability. You are responsible for all transfers you authorize using your Card EFT services under this Agreement. If you permit other persons to use your an EFT service, Card or your PIN, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell us at once if you believe anyone has used your Account, Card or PIN or and accessed your accounts without your authority, or if you believe that an electronic funds transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. For Visa Mastercard Debit Card purchase transactions, if you notify us of your lost or stolen card within twenty-four (24) hours of discovery and meet certain conditions, you may will not be liable for any losses. This zero liability will apply only if: (i) you can demonstrate losses provided that you exercised reasonable care were not grossly negligent or fraudulent in safekeeping handling your Card from risk of loss or theft; (ii) and you have not reported two or more incidents of provide us with a written statement regarding your unauthorized use to us within Card claim, otherwise the preceding 12 months; and (iii) your account is in good standing. If you notify us of your lost or stolen Card after twenty-four (24) hours of discovery or do not satisfy the conditions set forth above, your maximum liability for losses to your account may be up to $50. These following liability limits will apply, provided you did not receive a benefit or the unauthorized use of your Card was by someone without actual, implied, or apparent authority, otherwise the liability limits set forth below may apply. For all other EFT transactions, including ATM Card transactions except electronic check transactions, if you tell us within two (2) business days, you can lose no more than $50 if someone accessed your account without your permission. If you do not tell us within two (2) business days after you learn of the unauthorized use of your account or CardEFT service, and we can prove that we could have stopped someone from accessing our your account without your permission if you had told us, you could lose as much as $500. Your liability In no event will you be liable for more than $50 for unauthorized loan transactions through an EFT service is $50withdrawals from a line of credit account. Also, if your statement shows EFT transfers EFTs that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may be liable for not get back any money lost after the following amounts sixty (60) days if we can prove that we could have stopped someone from making the transfers if you had told us in time: (i) for unauthorized Visa Debit Card purchase transactions - up to the limits set forth above and (ii) for all other unauthorized ATM transactions - up to the full amount of the loss. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periods. If you believe that someone has used your Card or PIN have been lost or stolen or that someone has transferred or may transfer money from your account without your permissionpermission or you have lost your Card, call: (▇▇▇) ▇▇▇-▇▇▇▇ or write: Alaska Air Group General Manager, Genesee Valley Federal Credit Union ▇Union, ▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇▇▇▇ ▇▇. ▇▇ ▇, ▇▇▇ ▇▇▇ ▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇

Member Liability. You are responsible for all transfers you authorize using your Card EFT services under this AgreementAgree- ment. If you permit other persons to use your an EFT service, Card or your PINaccess code, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell us at once if you believe anyone has ahs used your PIN Account, Card or access code and accessed your accounts without your authority. Telephoning is the best way of keeping your possible losses down. For Visa VISA Debit Card purchase transactions, if you notify us of your lost or stolen card within twenty-four (24) hours of discovery and meet certain conditionscard, you may will not be liable for any losses. This zero liability will apply only if: (i) losses provided you can demonstrate that were not grossly negligent or fraudulent in handling your card and you exercised reasonable care in safekeeping provide us with a written statement regarding your unauthorized Card from risk of loss or theft; (ii) you have not reported two or more incidents of unauthorized use to us within claim, otherwise the preceding 12 months; and (iii) your account is in good standing. If you notify us of your lost or stolen Card after twenty-four (24) hours of discovery or do not satisfy the conditions set forth above, your maximum liability for losses to your account may be up to $50. These following liability limits will apply, provided you did not receive a benefit or the unauthorized use of your Card was by someone without actual, implied, or apparent authority, otherwise the liability limits set forth below may apply. For all other EFT transactions, including ATM Card except electronic check transactions, if you tell us within two (2) business days, you can lose no more than $50 if someone accessed ac- cessed your account without your permission. If you do not tell us within two (2) business days after you learn of the unauthorized use of your account or CardEFT service, and we can prove that we could have stopped someone some- one from accessing our your account without your permission if you had told us, you could lose as much as $500. Your liability for unauthorized loan transactions through an EFT service is $50. Also, if your statement shows EFT transfers that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may be liable for the following amounts full amount of the loss, if we can prove that we could have stopped someone from making the transfers if you had told us in time: (i) for unauthorized Visa Debit Card purchase transactions - up to the limits set forth above and (ii) for all other unauthorized ATM transactions - up to the full amount of the loss. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periods. If you believe your Card or PIN have been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call: (▇▇▇) ▇▇▇-▇▇▇▇ or write: Alaska Air Group Credit Union ▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇, ▇▇▇ ▇▇▇ ▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇.

Member Liability. You are responsible for all transfers you authorize using your Card EFT services under this Agreement. If you permit other persons to use your Card an EFT service, Card, or your PINaccess code, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell Tell us at once if you believe anyone has used your PIN Account, Card or access code and accessed your accounts without your authorityauthority or if you believe that an electronic funds transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. For Visa Debit Card purchase transactions, if you notify us of your lost or stolen card within twenty-four (24) hours of discovery and meet certain conditionscard, you may not be liable for any losses. This zero liability will apply only if: (i) you can demonstrate that you exercised reasonable care in safekeeping your Card from risk of loss or theft; (ii) you have not reported two or more incidents of unauthorized use to us within the preceding 12 months; and (iii) your account is in good standing. If you notify us of your lost or stolen Card after twenty-four (24) hours of discovery or do not satisfy the conditions set forth above, your maximum liability for losses to your account may be up to $50. These liability limits will apply, provided you did were not receive grossly negligent or fraudulent in handling your Debit Card and you provide us with a benefit or the written statement regarding your unauthorized use of your Debit Card was by someone without actual, implied, or apparent authorityclaim, otherwise the following liability limits set forth below may apply. For all other EFT transactions, including ATM Card transactions except electronic check transactions, if you tell us within two (2) business days, you can lose no more than $50 if someone accessed your account without your permission. If you do not tell us within two (2) business days after you learn of the unauthorized use of your account or CardEFT service, and we can prove that we could have stopped someone from accessing our your account without your permission if you had told us, you could lose as much as $500. Your liability for unauthorized loan line of credit transactions through an EFT service is $50. Also, if your statement shows EFT transfers that you did not makemake including made by Debit Card, access code or other means, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may be liable for up to the following amounts full amount of the loss if we can prove that we could have stopped someone from making the transfers if you had told us in time: (i) for unauthorized Visa Debit Card purchase transactions - up to the limits set forth above and (ii) for all other unauthorized ATM transactions - up to the full amount of the loss. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periods. If you believe your Card or PIN have has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call: call (▇▇▇) ▇▇▇-▇▇▇▇ or write: Alaska Air Group Credit Union (WA), (▇▇▇) ▇▇▇-▇▇▇▇ (ID), toll free (▇▇▇) ▇▇▇-▇▇▇▇ (US & Canada) or write STCU, ▇▇ ▇▇▇ ▇▇▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇, ▇▇▇ ▇▇▇ ▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇-▇▇▇▇.

Member Liability. You are responsible for all transfers that you authorize using your Card EFT services under this Agreement. If Subject to Consumer Financial Protection Bureau Regulation E, if you permit other persons to use your Card an EFT service, card, or your PINaccess code, then you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell Tell us at once if you believe anyone has used your PIN account, card, or accessed your accounts access code without your authorityauthority or if you believe that an EFT has been made without your permission. Telephoning Calling our Contact Center is the best way of keeping to minimize your possible losses downloss. For Visa Debit Card purchase transactions, if you notify us of your lost or stolen card within twenty-four (24) hours of discovery and meet certain conditionscard, you may not be liable for any losses. This zero liability will apply only if: (i) you can demonstrate losses provided that you exercised reasonable care in safekeeping your Card from risk of loss or theft; were not grossly negligent (ii) you have not reported two or more incidents of unauthorized use to us within the preceding 12 months; and (iii) your account is in good standing. If you notify us of your lost or stolen Card after twenty-four (24) hours of discovery or do not satisfy the conditions set forth abovefor example, your maximum liability for losses by allowing any other individual access to your account may be up to $50PIN or card) or fraudulent in handling your card and you provide us with a written statement regarding your unauthorized card claim. These Otherwise, the following liability limits will apply, provided you did not receive a benefit or the unauthorized use of your Card was by someone without actual, implied, or apparent authority, otherwise the liability limits set forth below may apply. For all other EFT transactions, including ATM Card except electronic-check transactions, if you tell us of the unauthorized use of your account within two (2) business days, you can lose no more than $50 if someone accessed your account without your permission. If you do not tell us within two (2) business days after you learn of the unauthorized use of your account or CardEFT service, and we can prove that we could have stopped someone from accessing our your account without your permission if you had told us, you could lose as much as $500. Your liability for unauthorized loan transactions through an EFT service is $50. Also, if your statement shows EFT transfers that you did not make, including made by card, access code, or other means, tell us at once. If you do not tell us within sixty (60) 60 days after the statement was mailed or became available to you, you may be liable for the following amounts if we can prove that we could have stopped someone from making the transfers if you had told us in time: (i) for unauthorized Visa Debit Card debit-card purchase transactions - transactions, you may be liable up to the limits set forth above and (ii) for all other unauthorized ATM transactions - EFT transactions, you may be liable up to the full amount of the loss. If a good reason (such as a hospital stay) extenuating circumstances kept you from telling us, we will may extend the time periods. If you believe that your Card or PIN have card has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call: (▇▇▇) ▇▇▇-▇▇▇▇ or write: Alaska Air Group Credit Union (▇▇▇) ▇▇▇-▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇toll free or write: OnPoint Community Credit Union Attn: Contact Center PO Box 3750 Portland, ▇▇▇ ▇▇▇ ▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇OR 97208-3750

Member Liability. You are responsible for all transfers EFT transactions you authorize using your Card under this Agreementauthorize. If you permit other persons someone else to use an EFT service, your Card card or your PINaccess code, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell us at once TELL US AT ONCE if you believe anyone your card has been lost or stolen, if you believe someone has used your PIN 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 permission using information from your check. Telephoning is the best way of keeping your possible losses down. For You could lose all the money in your account (plus your maximum overdraft Line of Credit). If a transaction was made with your card or card number without your permission and was either a Visa Debit Card purchase transactionsor Interlink transaction, if you notify us will have no liability for the transaction, unless you were grossly negligent in the handling of your lost account or stolen card within twenty-four (24) hours of discovery and meet certain conditions, you may not be liable for any losses. This zero liability will apply only if: (i) you can demonstrate that you exercised reasonable care in safekeeping your Card from risk of loss or theft; (ii) you have not reported two or more incidents of unauthorized use to us within the preceding 12 months; and (iii) your account is in good standing. If you notify us of your lost or stolen Card after twenty-four (24) hours of discovery or do not satisfy the conditions set forth above, your maximum liability for losses to your account may be up to $50. These liability limits will apply, provided you did not receive a benefit or the unauthorized use of your Card was by someone without actual, implied, or apparent authority, otherwise the liability limits set forth below may applycard. For all other EFT transactions, including ATM Card transactionstransactions or if you were grossly negligent in the handling of your account or card, if your liability for an unauthorized transaction is determined as follows. If you tell us within two (2) business days, days you can lose no more than $50 if someone accessed used your account card without your permission. If you do not NOT tell us within two (2) business days after you learn of the unauthorized use loss or theft of your account or Card, card and we can prove that we could have stopped someone from accessing our account using your card without your permission if you had told us, you could lose as much as $500. Your liability for unauthorized loan transactions through an EFT service is $50. Also, if your statement shows EFT transfers that you did not makemake including those made by card, tell us at oncecode or other means, TELL US AT ONCE. If you do not tell us within sixty (60) 60 days after the statement was mailed to you, you may be liable for not get back any money lost after the following amounts 60 days if we can prove that we could have stopped someone from making the transfers if you had told us in time: (i) for unauthorized Visa Debit Card purchase transactions - up to the limits set forth above and (ii) for all other unauthorized ATM transactions - up to the full amount of the loss. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periods. If you believe your Card or PIN have card has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call: (or write to: Motion Federal Credit Union ▇▇▇ ▇) ▇▇▇-. ▇▇▇▇ Ave Linden, NJ 07036 You should also call the number or write: Alaska Air Group Credit Union ▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇, ▇▇▇ ▇▇▇ ▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇write to the address listed above if you believe a transfer has been made using the information from your check without your permission.

Member Liability. You are responsible for all transfers you authorize using your Card EFT services under this Agreement. If you permit other persons to use your an EFT service, Card or your PIN, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell us at once if you believe anyone has used your Account, Card or PIN or and accessed your accounts without your authority, or if you believe that an electronic funds transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. For Visa MasterCard Debit Card purchase transactions, if you notify us of your lost or stolen card within twenty-four (24) hours of discovery and meet certain conditions, you may will not be liable for any losses. This zero liability will apply only if: (i) you can demonstrate losses provided that you exercised reasonable care were not grossly negligent or fraudulent in safekeeping handling your Card from risk of loss or theft; (ii) and you have not reported two or more incidents of provide us with a written statement regarding your unauthorized use to us within Card claim, otherwise the preceding 12 months; and (iii) your account is in good standing. If you notify us of your lost or stolen Card after twenty-four (24) hours of discovery or do not satisfy the conditions set forth above, your maximum liability for losses to your account may be up to $50. These following liability limits will apply, provided you did not receive a benefit or the unauthorized use of your Card was by someone without actual, implied, or apparent authority, otherwise the liability limits set forth below may apply. For all other EFT transactions, including ATM Card transactions except electronic check transactions, if you tell us within two (2) business days, you can lose no more than $50 if someone accessed your account without your permission. If you do not tell us within two (2) business days after you learn of the unauthorized use of your account or CardEFT service, and we can prove that we could have stopped someone from accessing our your account without your permission if you had told us, you could lose as much as $500. Your liability In no event will you be liable for more than $50 for unauthorized loan transactions through an EFT service is $50withdrawals from a line of credit account. Also, if your statement shows EFT transfers EFTs that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may be liable for not get back any money lost after the following amounts sixty (60) days if we can prove that we could have stopped someone from making the transfers if you had told us in time: (i) for unauthorized Visa Debit Card purchase transactions - up to the limits set forth above and (ii) for all other unauthorized ATM transactions - up to the full amount of the loss. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periods. If you believe that someone has used your Card or PIN have been lost or stolen or that someone has transferred or may transfer money from your account without your permissionpermission or you have lost your Card, call: (▇▇▇) ▇▇▇-▇▇▇▇ or write: Alaska Air Group General Manager, Genesee Valley Federal Credit Union ▇Union, ▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇▇▇▇ ▇▇. ▇▇ ▇, ▇▇▇ ▇▇▇ ▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇

Member Liability. You are responsible for all transfers transactions you authorize using your Card EFT services under this Agreement. If you permit other persons someone else to use an EFT service, your Card card or your PINaccess code, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell us at once TELL US AT ONCE if you believe anyone your card or access code has been lost or stolen, if you believe someone has used your PIN 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 permission using information from your check. Telephoning is the best way of keeping your possible losses down. For You could lose all the money in your account (plus your maximum overdraft line-of- credit). If a transaction was made with your card or card number without your permission and was a Visa Debit Card purchase transactionstransaction, if you notify us will have no liability for the transaction, unless you were fraudulent or negligent in the handling of your lost account or stolen card within twenty-four (24) hours of discovery and meet certain conditions, you may not be liable for any losses. This zero liability will apply only if: (i) you can demonstrate that you exercised reasonable care in safekeeping your Card from risk of loss or theft; (ii) you have not reported two or more incidents of unauthorized use to us within the preceding 12 months; and (iii) your account is in good standing. If you notify us of your lost or stolen Card after twenty-four (24) hours of discovery or do not satisfy the conditions set forth above, your maximum liability for losses to your account may be up to $50. These liability limits will apply, provided you did not receive a benefit or the unauthorized use of your Card was by someone without actual, implied, or apparent authority, otherwise the liability limits set forth below may applycard. For all other EFT transactionstransactions involving your card or access code, including ATM Card transactions, if you tell us within two (2) business days, you can lose no more than $50 if someone accessed were negligent in the handling of your account without or card, your permissionliability for an unauthorized transaction is determined as follows. If you do not tell us within two (2) business days after you learn of the unauthorized use loss or theft of your account card or Cardaccess code, you can lose no more than $50.00 if someone used your card or access code without your permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your card or access code and we can prove that we could have stopped someone from accessing our account using your card or access code without your permission if you had told us, you could lose as much as $500. Your liability for unauthorized loan transactions through an EFT service is $50500.00. Also, if your statement shows EFT transfers that you did not makemake including those made by card, tell us at onceaccess code or other means, TELL US AT ONCE. If you do not tell us within sixty (60) 60 days after the statement was mailed to you, you may be liable for not get back any money lost after the following amounts 60 days if we can prove that we could have stopped someone from making the transfers if you had told us in time: (i) for unauthorized Visa Debit Card purchase transactions - up to the limits set forth above and (ii) for all other unauthorized ATM transactions - up to the full amount of the loss. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periods. If you believe your Card or PIN have been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call: (▇▇▇) ▇▇▇-▇▇▇▇ or write: Alaska Air Group Credit Union ▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇, ▇▇▇ ▇▇▇ ▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇.

Member Liability. You are responsible for all transfers you authorize using your Card EFT services under this Agreement. If you permit other persons to use your Card an EFT service, card or your PIN, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell us at once if you believe anyone has used your account, card or PIN or and accessed your accounts without your authority. Telephoning is the best way of keeping your possible losses down. For Visa Debit Card debit card purchase transactions, if you notify us of your lost or stolen card within twenty-four two (242) hours business days of discovery and meet certain conditionsdiscovery, you may not be liable for any losses. This zero liability will apply only if: (i) you can demonstrate that you exercised reasonable care in safekeeping your Card from risk of loss or theft; (ii) you have not reported two or more incidents of unauthorized use to us within the preceding 12 months; and (iii) your account is in good standing. If you notify us of your lost or stolen Card card after twenty-four two (242) hours business days of discovery or do not satisfy the conditions set forth aboveyour discovery, your maximum liability for losses to your account may be up to $5050.00. These liability limits will apply, provided you did were not receive fraudulent in handling your debit card and you provide us with a benefit or the written statement regarding your unauthorized use of your Card was by someone without actual, implied, or apparent authoritydebit card claim, otherwise the liability limits set forth below may apply. For apply for all other EFT transactions, including your ATM Card transactions, if card. If you tell notify us within two (2) business daysdays of discovery of your loss or theft, you can lose no more than $50 50.00 if someone accessed used your account card and/or PIN without your permission, provided you were not fraudulent in handling your ATM card or account. If you do not tell us within two (2) business days after you learn of the unauthorized use of your account or Card, EFT service and we can prove that we could have stopped someone from accessing our your account without your permission if you had told us, you could lose as much as $500. Your liability for unauthorized loan transactions through an EFT service is $50500.00. Also, if your statement shows EFT transfers that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may be liable for the following amounts if we can prove that we could have stopped someone from making the transfers if you had told us in time: (i) for unauthorized Visa Debit Card debit card purchase transactions - up to the limits set forth above above, and (ii) for all other unauthorized ATM EFT transactions - up to the full amount of the loss. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periodsperiod. If Tell us at once if you believe your Card or card and/or PIN have has been lost or stolen or if you believe that someone an electronic funds transfer has transferred or may transfer money been made without your permission using information from your account without your permissioncheck, call: (by immediately calling ▇▇▇) .▇▇▇-.▇▇▇▇ during business hours, 866.861.5416 after hours or writewrite to the following address: Alaska Air Group Credit Union WSECU ▇▇▇ ▇▇▇ ▇▇▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇, ▇▇▇ ▇▇▇ ▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇▇ 5. Business Days. Our business days are Monday through Friday; holidays are not included.

Member Liability. You are responsible for all transfers transactions you authorize using your Card EFT services under this Agreement. If you permit other persons someone else to use an EFT service, your Card card or your PINaccess code, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell us at once TELL US AT ONCE if you believe anyone your card and/or access code has been lost or stolen, if you believe someone has used your PIN card or access code or otherwise accessed your accounts without your authoritypermission, 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. For Visa Debit Card purchase transactions, if you notify us You could lose all the money in your account (plus your maximum overdraft line-of your lost or stolen card within twenty-four (24) hours of discovery and meet certain conditions, you may credit). You are not be liable for any losses. This zero liability will apply only if: (i) an unauthorized MasterCard debit card transaction if you can demonstrate that you have exercised reasonable care in safekeeping protecting your Card card or access code from risk of loss or theft and, upon discovering the loss or theft; (ii) , you have not reported two promptly report the loss or more incidents of unauthorized use theft to us within the preceding 12 months; and (iii) your account is in good standing. If you notify us of your lost or stolen Card after twenty-four (24) hours of discovery or do not satisfy the conditions set forth above, your maximum liability for losses to your account may be up to $50. These liability limits will apply, provided you did not receive a benefit or the unauthorized use of your Card was by someone without actual, implied, or apparent authority, otherwise the liability limits set forth below may applyus. For all other EFT transactionstransactions involving access devices, including ATM Card transactions, if you tell us within two (2) business days, you can lose no more than $50 if someone accessed your account without your permissionliability for unauthorized transactions is determined as follows. If you do not tell us within two (2) business days after you learn of the unauthorized use loss or theft of your account card or Cardaccess code, you can lose no more than $50.00 if someone used your card or access code without your permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your card or access code and we can prove that we could have stopped someone from accessing our account using your card or access code without your permission if you had told us, you could lose as much as $500. Your liability for unauthorized loan transactions through an EFT service is $50500.00. Also, if your statement shows EFT transfers that you did not makemake including those made by card, tell us at onceaccess code or other means, TELL US AT ONCE. If you do not tell us within sixty (60) 60 days after the statement was mailed to you, you may be liable for not get back any money lost after the following amounts 60 days if we can prove that we could have stopped someone from making the transfers if you had told us in time: (i) for unauthorized Visa Debit Card purchase transactions - up to the limits set forth above and (ii) for all other unauthorized ATM transactions - up to the full amount of the loss. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periods. If you believe your Card card or PIN have access code has been lost or stolen or that someone has transferred or may transfer money from your account accounts without your permission, call: (▇▇▇) .▇▇▇-.▇▇▇▇ or writewrite to: Alaska Air Group Light Commerce Credit Union ▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇P O Box 670494 Houston, ▇▇▇ ▇▇▇ ▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇TX 77267 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 without your permission.

Member Liability. You are responsible for all transfers you authorize using your Card under EFT services as explained in this Agreementdisclosure, which is part of the MSA. If you permit other persons to use your an EFT service, Card or your PIN, you are responsible for any transactions they authorize or conduct on any of your accountsthe accounts you have with us. However, tell us at once if you believe anyone has used your the account, Card or PIN or and accessed your the accounts with us without your authority, or if you believe an electronic fund transfer has been made without your permission using infor- mation from your check. Telephoning is the best way of keeping your possible losses down. For Visa Debit Card purchase transactions, if you notify us of your lost or stolen card within twenty-four (24) hours of discovery and meet certain conditionscard, you may will not be liable for any losses. This zero liability will apply only if: (i) , provided you can demonstrate that were not negligent or fraudulent in han- dling the Card and you exercised reasonable care in safekeeping provide us with a written statement regard- ing your unauthorized Card from risk of loss or theft; (ii) you have not reported two or more incidents of unauthorized use to us within claim, otherwise the preceding 12 months; and (iii) your account is in good standing. If you notify us of your lost or stolen Card after twenty-four (24) hours of discovery or do not satisfy the conditions set forth above, your maximum liability for losses to your account may be up to $50. These following liability limits will apply. Otherwise, provided you did not receive a benefit or the unauthorized use of your Card was by someone without actual, implied, or apparent authority, otherwise following limits (applicable to all other transactions) will apply to transactions using the liability limits set forth below may applyCard. For all other EFT transactions, including ATM Card transactionstransactions except Electronic Check Transactions, if you tell us within two (2) business days, you can lose no more than $50 if someone accessed your the account with us without your permission. If you do not tell us within two (2) business days after you learn of the unauthorized use of your the account or CardEFT service, and we can prove that we could have stopped someone from accessing our the account without your permission if you had told us, you could lose as much as $500. Your liability In no event will you be liable for unauthorized loan transactions through an EFT service is more than $5050 for unau- thorized withdrawals from a line of credit account. Also, if your statement shows EFT transfers EFTs that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement state- ment was mailed or accessible to you, you may be liable for not get back any money lost after the following amounts sixty (60) days if we can prove that we could have stopped someone from making the transfers if you had told us in time: (i) for unauthorized Visa Debit Card purchase transactions - up to the limits set forth above and (ii) for all other unauthorized ATM transactions - up to the full amount of the loss. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periods. If you believe your that some- one has used the Card or PIN have been lost or stolen or that someone has transferred or may transfer money from your account without your permissionpermission or you have lost your Card, call: (▇▇▇) -▇▇▇-▇▇▇▇ or write: Alaska Air Group Credit Union toll free at ▇▇▇▇▇ -▇▇▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇, ▇▇▇ ▇▇▇ ▇▇-▇▇▇▇, ▇▇ ▇▇▇▇▇or write to us at: P.O. Box 941914, Houston, TX 77094.

Member Liability. You are responsible for all transfers you authorize using your Card EFT services under this Account Agreement. If you permit other persons to use your Card an EFT service, Card, or your PINaccess code, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell Tell us at once if you believe anyone has used your PIN Account, Card or access code and accessed your accounts without your authorityauthority or if you believe that an electronic funds transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. For Visa VISA Debit Card purchase transactions, if you notify us of your lost or stolen card within twenty-four (24) hours of discovery and meet certain conditionscard, you may not be liable for any losses. This zero liability will apply only if: (i) you can demonstrate that you exercised reasonable care in safekeeping your Card from risk of loss or theft; (ii) you have not reported two or more incidents of unauthorized use to us within the preceding 12 months; and (iii) your account is in good standing. If you notify us of your lost or stolen Card after twenty-four (24) hours of discovery or do not satisfy the conditions set forth above, your maximum liability for losses to your account may be up to $50. These liability limits will apply, provided you did were not receive grossly negligent or fraudulent in handling your Debit Card and you provide us with a benefit or the written statement regarding your unauthorized use of your VISA Debit Card was by someone without actual, implied, or apparent authorityclaim, otherwise the following liability limits set forth below may apply. For all other EFT transactions, including ATM Card transactions except electronic check transactions, if you tell us within two (2) business days, you can lose no more than $50 if someone accessed your account without your permission. If you do not tell us within two (2) business days after you learn of the unauthorized use of your account or CardEFT service, and we can prove that we could have stopped someone from accessing our your account without your permission if you had told us, you could lose as much as $500. Your liability for unauthorized loan line of credit transactions through an EFT service is $50. Also, if your statement shows EFT transfers that you did not make, including made by card, access code or other means, tell us at once. If you do not tell us within sixty (60) 60 days after the statement was mailed to you, ; you may be liable for the following amounts full amount of the loss if we can prove that we could have stopped someone from making the transfers if you had told us in time: (i) for unauthorized Visa Debit Card purchase transactions - up to the limits set forth above and (ii) for all other unauthorized ATM transactions - up to the full amount of the loss. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periods. If you believe your Card or PIN have has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call: (call ▇▇▇) .▇▇▇-.▇▇▇▇, toll free 800.548.5465 or write Power Financial Credit Union, ▇▇▇▇ or write: Alaska Air Group Credit Union ▇▇ ▇▇▇▇▇ ▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇, ▇▇▇ ▇▇▇ ▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇. 11. Business Days

Member Liability. You are responsible for all transfers transactions you authorize using your Card EFT services under this Agreement. If you permit other persons someone else to use an EFT service, your Card card or your PINaccess code, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell us at once TELL US AT ONCE if you believe anyone your card and/or access code has been lost or stolen, if you believe someone has used your PIN card or access code or otherwise accessed your accounts without your authoritypermission, 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. For Visa Debit Card purchase transactions, if you notify us of You could lose all the money in your lost or stolen card within twentyaccount (plus your maximum overdraft line-four (24) hours of discovery and meet certain conditions, you may of-credit). You are not be liable for any losses. This zero liability will apply only if: (i) an unauthorized MasterCard debit card transaction if you can demonstrate that you have exercised reasonable care in safekeeping protecting your Card card or access code from risk of loss or theft and, upon discovering the loss or theft; (ii) , you have not reported two promptly report the loss or more incidents of unauthorized use theft to us within the preceding 12 months; and (iii) your account is in good standing. If you notify us of your lost or stolen Card after twenty-four (24) hours of discovery or do not satisfy the conditions set forth above, your maximum liability for losses to your account may be up to $50. These liability limits will apply, provided you did not receive a benefit or the unauthorized use of your Card was by someone without actual, implied, or apparent authority, otherwise the liability limits set forth below may applyus. For all other EFT transactionstransactions involving access devices, including ATM Card transactions, if you tell us within two (2) business days, you can lose no more than $50 if someone accessed your account without your permissionliability for unauthorized transactions is determined as follows. If you do not tell us within two (2) business days after you learn of the unauthorized use loss or theft of your account card or Cardaccess code, you can lose no more than $50.00 if someone used your card or access code without your permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your card or access code and we can prove that we could have stopped someone from accessing our account using your card or access code without your permission if you had told us, you could lose as much as $500. Your liability for unauthorized loan transactions through an EFT service is $50500.00. Also, if your statement shows EFT transfers that you did not makemake including those made by card, tell us at onceaccess code or other means, TELL US AT ONCE. If you do not tell us within sixty (60) 60 days after the statement was mailed to you, you may be liable for not get back any money lost after the following amounts 60 days if we can prove that we could have stopped someone from making the transfers if you had told us in time: (i) for unauthorized Visa Debit Card purchase transactions - up to the limits set forth above and (ii) for all other unauthorized ATM transactions - up to the full amount of the loss. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periods. If you believe your Card card or PIN have access code has been lost or stolen or that someone has transferred or may transfer money from your account accounts without your permission, call: (▇▇▇) ▇▇▇-▇▇▇▇ or writeOr write to: Alaska Air Group Onomea Federal Credit Union P.O. Box 19 ▇▇-▇▇▇ ▇▇▇ ▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇ ▇▇▇▇ ▇, ▇▇▇ ▇▇▇ ▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇ Fax: (▇▇▇) ▇▇▇-▇▇▇▇ 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 without your permission.

Member Liability. For consumer accounts, you are responsible for all transfers you authorize using your EFT services under this Agreement. You are responsible for all transfers you authorize using your Card EFT services under this Agreement. If you permit other persons to use your an EFT service, Card or your PIN, access code you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell Tell us at once if you believe anyone has used your PIN Account, Card or access code and accessed your accounts without your authority. Telephoning is the best way of keeping your possible losses down. For Visa Debit Card purchase transactions, authority or if you notify us of believe that an electronic funds transfer has been made without your lost or stolen card within twenty-four (24) hours of discovery and meet certain conditions, you may not be liable for any losses. This zero liability will apply only if: (i) you can demonstrate that you exercised reasonable care in safekeeping permission using information from your Card from risk of loss or theft; (ii) you have not reported two or more incidents of unauthorized use to us within the preceding 12 months; and (iii) your account is in good standing. If you notify us of your lost or stolen Card after twenty-four (24) hours of discovery or do not satisfy the conditions set forth above, your maximum liability for losses to your account may be up to $50. These liability limits will apply, provided you did not receive a benefit or the unauthorized use of your Card was by someone without actual, implied, or apparent authority, otherwise the liability limits set forth below may applycheck. For all other EFT transactions, including ATM transactions except electronic check and Debit Card transactions, if you tell us of the unauthorized use of your account within two (2) business days, you can lose no more than $50 if someone accessed your account without your permission. If you do not tell us within two (2) business days after you learn of the unauthorized use of your account or CardEFT service, and we can prove that we could have stopped someone from accessing our your account without your permission if you had told us, you could lose as much as $500. Your For Debit card transactions, if you notify us of the loss, theft, or unauthorized use of your Card or other devices which we supply to you, you will not be liable for any unauthorized use for purchases processed through VISA® (VISA zero liability) provided, you promptly notify us and you were not negligent or fraudulent in handling your Card. You provide us with a written statement regarding your unautho- rized Card claim, otherwise the liability for unauthorized loan transactions through an EFT service is $50limits set forth above will apply. Also, if your statement shows EFT transfers that you did not makemake including those made by Card, access code or other means, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may be liable for the following amounts if we can prove that we could have stopped someone from making the transfers if you had told us in time: time (i) for unauthorized Visa Debit Card purchase transactions - up to the limits set forth above and (ii) for all other unauthorized ATM EFT transactions - up to the full amount of the loss. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periods. If you believe your Card or PIN have been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call: (▇▇▇) ▇▇▇-▇▇▇▇ or write: Alaska Air Group Credit Union ▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇, ▇▇▇ ▇▇▇ ▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇.

Member Liability. Tell us at once if you believe your Card PIN has been lost or stolen. Telephoning is the best way of keeping your possible losses to a minimum. If you’re Card PIN is lost or stolen and subse- quently used by an unauthorized person, you cannot lose more than the less of: (1) S50; or (2) the amount of money, goods, or services obtained from the unauthorized use prior to notice to the Credit Union. If the unauthorized use occurs through no fault of yours, you will not be liable for any fees. You are responsible for all transfers transactions you authorize using your Card EFT services under this AgreementAgree- ment. If you permit other persons someone else to use an EFT service, your Card or your PIN, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell us at once if you believe anyone your Card and PIN have been lost or stolen or if you believe someone has used your Card or PIN or otherwise accessed your accounts without your authoritypermission. Telephoning is the best way of keeping your possible losses down. For Visa You could lose all the money in your account (plus your maximum overdraft line of credit). If a transaction is made with your VISA Debit Card purchase transactionswithout your permission, and was either a VISA or CO-OP Network, you will have no liability for the transaction, unless you were grossly negligent in handling your account. For all other unauthorized use involving the loss or theft of your Card or access device, or if you notify us of were grossly negligent in handling your lost or stolen card within twenty-four (24) hours of discovery and meet certain conditions, you may not be liable for any losses. This zero liability will apply only if: (i) you can demonstrate that you exercised reasonable care in safekeeping your Card from risk of loss or theft; (ii) you have not reported two or more incidents of unauthorized use to us within the preceding 12 months; and (iii) your account is in good standing. If you notify us of your lost or stolen Card after twenty-four (24) hours of discovery or do not satisfy the conditions set forth aboveaccount, your maximum liability for losses to your account unauthorized use may be up to $50. These liability limits will apply, provided you did not receive a benefit or the unauthorized use of your Card was by someone without actual, implied, or apparent authority, otherwise the liability limits set forth below may apply. For all other EFT transactions, including ATM Card transactions, if you tell us within two (2) business days, you can lose no more than $50 if someone accessed your account without your permission. If you do not tell us within two (2) business days after you learn of the unauthorized use of your account or Card, and we can prove that we could have stopped someone from accessing our account without your permission if you had told us, you could lose as much as $500. Your liability for unauthorized loan transactions through an EFT service is $50S50. Also, if your statement shows EFT transfers that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may be liable for not get back any money lost after the following amounts sixty (60) days if we can prove demonstrate that we could have stopped someone from form making the transfers if you had told us in a reasonable time: (i) for unauthorized Visa Debit Card purchase transactions - up to the limits set forth above and (ii) for all other unauthorized ATM transactions - up to the full amount of the loss. If a good reason (such as a hospital stay) kept you from telling us, us we will extend the applicable time periods. This paragraph does not apply to unauthorized use of a VISA Debit Card, and ATM Card or other access device. If you believe your Card or PIN have code has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call: Phone: (▇▇▇) ▇▇▇-▇▇▇▇ or writeFax: Alaska Air Group (▇▇▇) ▇▇▇-▇▇▇▇ Or write to: Partner Colorado Credit Union ▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇, ▇▇▇ ▇▇▇ ▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇▇ There are certain fees and charges for electronic funds transfer services. For a current listing of all applicable fees, see our current Fee Schedule that was provided to you at the time you ap- plied for or requested these electronic services. From time to time, the charges may be change. We will notify you of any changes as required by applicable law. If you use an ATM that is not operated by us, you may be charged a fee by the ATM operator and by a national, regional or local network used in processing the transaction (and you may be charged a fee for a balance inquiry even if you do not complete a funds transfer). The ATM surcharge will be debited from your account if you elect to complete the transaction.

Member Liability. You are responsible for all transfers you authorize using your Card EFT services under this Agreement. If you permit other persons to use your Card an EFT service, Card, or your PINaccess code, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell Tell us at once if you believe anyone has used your PIN Account, Card or access code and accessed your accounts without your authorityauthority or if you believe that an electronic funds transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. If you use any EFT service for a business purpose there is no limit on the liability for transfers using any Card or access code. The following conditions and limits of liability apply to EFT services use for consumer purposes. For Visa Debit Check Card purchase transactions, if you notify us of your lost or stolen card within twenty-four (24) hours of discovery and meet certain conditionscard, you may not be liable for any losses. This zero liability will apply only if: (i) you can demonstrate that you exercised reasonable care in safekeeping your Card from risk of loss or theft; (ii) you have not reported two or more incidents of unauthorized use to us within the preceding 12 months; and (iii) your account is in good standing. If you notify us of your lost or stolen Card after twenty-four (24) hours of discovery or do not satisfy the conditions set forth above, your maximum liability for losses to your account may be up to $50. These liability limits will apply, provided you did were not receive grossly negligent or fraudulent in handling your Check Card and you provide us with a benefit or the written statement regarding your unauthorized use of your Check Card was by someone without actual, implied, or apparent authorityclaim, otherwise the following liability limits set forth below may apply. For all other EFT transactions, including ATM Card transactions except electronic check transactions, if you tell us within two (2) business days, you can lose no more than $50 if someone accessed your account without your permission. If you do not tell us within two (2) business days after you learn of the unauthorized use of your account or CardEFT service, and we can prove that we could have stopped someone from accessing our your account without your permission if you had told us, you could lose as much as $500. Your liability for an unauthorized loan line of credit transactions through an EFT service is $50. Also, if your statement shows EFT transfers that you did not make, including made by card, access code or other means, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, ; you may be liable for the following amounts full amount of the loss if we can prove that we could have stopped someone from making the transfers if you had told us in time: (i) for unauthorized Visa Debit Card purchase transactions - up to the limits set forth above and (ii) for all other unauthorized ATM transactions - up to the full amount of the loss. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periods. If you believe your Card or PIN have has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call: (▇▇▇) ▇▇▇-▇▇▇▇ or 1 (800) 331- 0968 or write: Alaska Air Group NW Priority Credit Union ▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇Attention: Card Services Dept., ▇▇▇ ▇▇▇ ▇▇▇▇▇▇P.O. Box 16640 Portland, ▇▇ ▇▇▇▇▇OR 97292-0640.

Member Liability. You are responsible for all transfers you authorize using your Card under this Agreement. If you permit other persons to use your Card or your PIN, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell us at once  NOTIFY US AT ONCE if you believe anyone your card or any PIN has used your PIN been lost or accessed your accounts stolen, or if you believe that an electronic funds transfer has been made without your authoritypermission. Telephoning Notifying us immediately is the best way of keeping your possible losses down. For  Liability for Unauthorized Debit Transactions (Visa Debit Card purchase transactions, Point of Sale and ATM Transactions) – There could be $0 to $50 liability for unauthorized Visa point of sale(POS) and ATM transactions if you notify us Partners 1st FCU within two (2) business days after learning of the loss or theft of your lost or stolen card within twenty-four (24) hours of discovery and meet certain conditions, you may not be liable for any losses. This zero liability will apply only if: (i) you can demonstrate that you exercised reasonable care in safekeeping your Card from risk of loss or theft; (ii) you have not reported two or more incidents of unauthorized use to us within the preceding 12 months; and (iii) your account is in good standingdebit card. If you fail to notify us of your lost or stolen Card after twenty-four (24) hours of discovery or do not satisfy the conditions set forth above, your maximum liability for losses to your account may be up to $50. These liability limits will apply, provided you did not receive a benefit or the unauthorized use of your Card was by someone without actual, implied, or apparent authority, otherwise the liability limits set forth below may apply. For all other EFT transactions, including ATM Card transactions, if you tell us Partners 1st within two (2) business days, you can lose no more than $50 if someone accessed your account without your permission. If you do not tell us within two (2) business days after you learn of the unauthorized use of your account or Card, and we can prove that we could have stopped someone from accessing our account using your card without your permission if you had told us, you could lose are responsible for as much as $500. Your liability for unauthorized loan transactions through an EFT service is $50.  Also, if your statement shows EFT transfers that you did not makemake including those made by card, tell us at oncecode or other means, NOTIFY US AT ONCE. If you do not tell notify us within sixty (60) days after the statement was mailed made available to you, you may be liable for not get back any money lost after the following amounts sixty (60) days if we can prove that we could have stopped someone from making the transfers if you had told notified us in time: (i) for unauthorized Visa Debit Card purchase transactions - up to the limits set forth above and (ii) for all other unauthorized ATM transactions - up to the full amount of the loss. If a good reason (such as a hospital stay) kept you from telling us, we will may extend the time periods.  If you believe fail to report any unauthorized electronic funds transfer that appears on your Card statement within 60 calendar days after the statement was made available to you, your liability shall not exceed the lesser of $500 or PIN have been lost or stolen the amount of unauthorized electronic fund transfers that appear on the periodic statement or that someone occur during the 60-day period; or the amount of unauthorized electronic fund transfers that occur after the close of the 60 days and before notice to Partners 1st FCU and that Partners 1st FCU establishes would not have occurred but for the failure of the member to notify Partners 1st FCU within that time.  You should also call the number or write to the address listed above if you believe a transfer has transferred or may transfer money from been made using your account information without your permission, call: (▇▇▇) ▇▇▇-▇▇▇▇ or write: Alaska Air Group Credit Union ▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇, ▇▇▇ ▇▇▇ ▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇.

Member Liability. You are responsible for all transfers transactions you authorize using your Card EFT services under this Agreement. If you permit other persons someone else to use an EFT service, your Card card or your PINaccess code, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell us at once TELL US AT ONCE if you believe anyone your card or access code has been lost or stolen, if you believe someone has used your PIN 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 permission using information from your check. Telephoning is the best way of keeping your possible losses down. For You could lose all the money in your account (plus your maximum overdraft line-of-credit). If a transaction was made with your card or card number without your permission and was a Visa Debit Card purchase transactionstransaction, if you notify us will have no liability for the transaction, unless you were fraudulent or negligent in the handling of your lost account or stolen card within twenty-four (24) hours of discovery and meet certain conditions, you may not be liable for any losses. This zero liability will apply only if: (i) you can demonstrate that you exercised reasonable care in safekeeping your Card from risk of loss or theft; (ii) you have not reported two or more incidents of unauthorized use to us within the preceding 12 months; and (iii) your account is in good standing. If you notify us of your lost or stolen Card after twenty-four (24) hours of discovery or do not satisfy the conditions set forth above, your maximum liability for losses to your account may be up to $50. These liability limits will apply, provided you did not receive a benefit or the unauthorized use of your Card was by someone without actual, implied, or apparent authority, otherwise the liability limits set forth below may applycard. For all other EFT transactionstransactions involving your card or access code, including ATM Card transactions, if you tell us within two (2) business days, you can lose no more than $50 if someone accessed were negligent in the handling of your account without or card, your permissionliability for an unauthorized transaction is determined as follows. If you do not tell us within two (2) business days after you learn of the unauthorized use loss or theft of your account card or Cardaccess code, you can lose no more than $50.00 if someone used your card or access code without your permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your card or access code and we can prove that we could have stopped someone from accessing our account using your card or access code without your permission if you had told us, you could lose as much as $500. Your liability for unauthorized loan transactions through an EFT service is $50500.00. Also, if your statement shows EFT transfers that you did not makemake including those made by card, tell us at onceaccess code or other means, TELL US AT ONCE. If you do not tell us within sixty (60) 60 days after the statement was mailed to you, you may be liable for not get back any money lost after the following amounts 60 days if we can prove that we could have stopped someone from making the transfers if you had told us in time: (i) for unauthorized Visa Debit Card purchase transactions - up to the limits set forth above and (ii) for all other unauthorized ATM transactions - up to the full amount of the loss. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periods. If you believe your Card card or PIN have access code has been lost or stolen or that someone has transferred or may transfer money from your account accounts without your permission, call: U$X Federal Credit Union Attn: EFT Dept. ▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇▇ P.O. Box 1728 Cranberry Township, PA 16066 Fax: (▇▇▇) ▇▇▇-▇▇▇▇ or write: Alaska Air Group Credit Union ▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇, ▇▇▇ ▇▇▇ ▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇

Member Liability. You are responsible for all transfers EFT transactions you authorize using your Card under this Agreementauthorize. If you permit other persons someone else to use an EFT service, your Card card or your PINaccess code, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell us at once TELL US AT ONCE if you believe anyone your card has been lost or stolen, if you believe someone has used your PIN 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 permission using information from your check. Telephoning is the best way of keeping your possible losses down. For Visa Debit Card purchase transactionsYou could lose all the money in your account (plus your maximum overdraft line of credit). If a transaction was made with your card or card number without your permission, if and was either a VISA or Interlink transaction, you notify us will have no liability for the transaction, unless you were grossly negligent in handling of your lost account or stolen card within twenty-four (24) hours of discovery and meet certain conditions, you may not be liable for any losses. This zero liability will apply only if: (i) you can demonstrate that you exercised reasonable care in safekeeping your Card from risk of loss or theft; (ii) you have not reported two or more incidents of unauthorized use to us within the preceding 12 months; and (iii) your account is in good standing. If you notify us of your lost or stolen Card after twenty-four (24) hours of discovery or do not satisfy the conditions set forth above, your maximum liability for losses to your account may be up to $50. These liability limits will apply, provided you did not receive a benefit or the unauthorized use of your Card was by someone without actual, implied, or apparent authority, otherwise the liability limits set forth below may applycard. For all other EFT transactions, including ATM Card transactionstransactions or if you were grossly negligent in the handling of your account or card, if your liability for an unauthorized transaction is determined as follows. If you tell us within two (2) business days, days you can lose no more than $50 50.00 if someone accessed used your account card without your permission. If you do not NOT tell us within two (2) business days after you learn of the unauthorized use loss or theft of your account or Cardcard, and we can prove that we could have stopped someone from accessing our account using your card without your permission if you had told us, you could lose as much as $500. Your liability for unauthorized loan transactions through an EFT service is $50500.00. Also, if your statement shows EFT transfers that you did not makemake including those made by card, tell us at oncecode or other means, TELL US AT ONCE. If you do not tell us within sixty (60) days after the statement was mailed to you, you may be liable for not get back any money lost after the following amounts sixty (60) days if we can prove that we could have stopped someone from making the transfers if you had told us in time: (i) for unauthorized Visa Debit Card purchase transactions - up to the limits set forth above and (ii) for all other unauthorized ATM transactions - up to the full amount of the loss. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periods. If you believe your Card or PIN have card has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call: (540) ▇▇▇- ▇▇▇▇ or (▇▇▇) ▇▇▇-▇▇▇▇ or write(lost/stolen) Or write to: Alaska Air Group KEMBA Roanoke Federal Credit Union – ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇, ▇▇▇ ▇▇▇ ▇– ▇▇▇▇▇, ▇▇ ▇▇▇▇▇ – FAX (▇▇▇) ▇▇▇-▇▇▇▇ 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 without your permission.

Member Liability. You are responsible for all transfers EFT transactions you authorize using your Card under this Agreementauthorize. If you permit other persons someone else to use an EFT service, your Card card or your PINaccess code, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell us at once TELL US AT ONCE if you believe anyone your card has been lost or stolen, if you believe someone has used your PIN 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 permission using information from your check. Telephoning is the best way of keeping your possible losses down. For You could lose all the money in your account (plus your maximum overdraft limit). If a transaction was made with your card or card number without your permission, and was either a Visa Debit Card purchase transactionsor Interlink transaction, if you notify us will have no liability for the transaction, unless you were grossly negligent in the handling of your lost account or stolen card within twenty-four (24) hours of discovery and meet certain conditions, you may not be liable for any losses. This zero liability will apply only if: (i) you can demonstrate that you exercised reasonable care in safekeeping your Card from risk of loss or theft; (ii) you have not reported two or more incidents of unauthorized use to us within the preceding 12 months; and (iii) your account is in good standing. If you notify us of your lost or stolen Card after twenty-four (24) hours of discovery or do not satisfy the conditions set forth above, your maximum liability for losses to your account may be up to $50. These liability limits will apply, provided you did not receive a benefit or the unauthorized use of your Card was by someone without actual, implied, or apparent authority, otherwise the liability limits set forth below may applycard. For all other EFT transactions, including ATM Card transactionstransactions or if you were grossly negligent in the handling of your account or card, if your liability for an unauthorized transaction is determined as follows. If you tell us within two (2) business days, days you can lose no more than $50 if someone accessed used your account card without your permission. If you do not NOT tell us within two (2) business days after you learn of the unauthorized use loss or theft of your account or Cardcard, and we can prove that we could have stopped someone from accessing our account using your card without your permission if you had told us, you could lose as much as $500. Your liability for unauthorized loan transactions through an EFT service is $50. Also, if your statement shows EFT transfers that you did not makemake including those made by card, tell us at oncecode or other means, TELL US AT ONCE. If you do not tell us within sixty (60) days after the statement was mailed to you, you may be liable for not get back any money lost after the following amounts sixty (60) days if we can prove that we could have stopped someone from making the transfers if you had told us in time: (i) for unauthorized Visa Debit Card purchase transactions - up to the limits set forth above and (ii) for all other unauthorized ATM transactions - up to the full amount of the loss. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periods. If you believe your Card or PIN have card has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call: Tidemark Federal Credit Union (▇▇▇) ▇▇▇-▇▇▇▇ or write: Alaska Air Group Credit Union ▇▇▇▇▇ .▇▇▇▇▇▇▇▇▇▇▇▇▇ ▇.▇▇▇ ▇or write to: Tidemark Federal Credit Union PO Box 1630 Millsboro, ▇▇▇ ▇▇▇ DE 19966 Email: ▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇▇▇▇@▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ You should also call the credit union or write to the address listed above if you believe a transfer has been made using the information from your check without your permission.

Member Liability. You are responsible for all transfers transactions you authorize using your Card EFT services under this Agreement. If you permit other persons someone else to use an EFT service, your Card card or your PINaccess code, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell us at once TELL US AT ONCE if you believe anyone your card or access code has been lost or stolen, if you believe someone has used your PIN 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 permission using information from your check. Telephoning is the best way of keeping your possible losses down. For You could lose all the money in your account (plus your maximum overdraft line-of-credit). If a transaction was made with your card or card number without your permission and was either a Visa Debit Card purchase transactionsor Interlink transaction, if you notify us will have no liability for the transaction, unless you were grossly negligent in the handling of your lost account or stolen card within twenty-four (24) hours of discovery and meet certain conditions, you may not be liable for any losses. This zero liability will apply only if: (i) you can demonstrate that you exercised reasonable care in safekeeping your Card from risk of loss or theft; (ii) you have not reported two or more incidents of unauthorized use to us within the preceding 12 months; and (iii) your account is in good standing. If you notify us of your lost or stolen Card after twenty-four (24) hours of discovery or do not satisfy the conditions set forth above, your maximum liability for losses to your account may be up to $50. These liability limits will apply, provided you did not receive a benefit or the unauthorized use of your Card was by someone without actual, implied, or apparent authority, otherwise the liability limits set forth below may applyaccess code. For all other EFT transactions, including ATM Card transactions, transactions or if you tell us within two (2) business days, you can lose no more than $50 if someone accessed were grossly negligent in the handling of your account without or card or access code, your permissionliability for an unauthorized transaction is determined as follows. If you do not tell us within two (2) business days after you learn of the unauthorized use loss or theft of your account card or Cardaccess code, you can lose no more than $50.00 if someone used your card or access code without your permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your card or access code and we can prove that we could have stopped someone from accessing our account using your card or access code without your permission if you had told us, you could lose as much as $500. Your liability for unauthorized loan transactions through an EFT service is $50500.00. Also, if your statement shows EFT transfers that you did not makemake including those made by card, tell us at onceaccess code or other means, TELL US AT ONCE. If you do not tell us within sixty (60) 60 days after the statement was mailed to you, you may be liable for not get back any money lost after the following amounts 60 days if we can prove that we could have stopped someone from making the transfers if you had told us in time: (i) for unauthorized Visa Debit Card purchase transactions - up to the limits set forth above and (ii) for all other unauthorized ATM transactions - up to the full amount of the loss. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periods. If you believe your Card card or PIN have access code has been lost or stolen or that someone has transferred or may transfer money from your account accounts without your permission, call: (▇▇▇) ▇▇▇-▇▇▇▇ You should also call the number or write: Alaska Air Group Credit Union ▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇, ▇▇▇ ▇▇▇ ▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇write to the address listed above if you believe a transfer has been made using the information from your check without your permission. Rev 10.14

Member Liability. You are solely responsible for all transfers you authorize using your Card any Services under this Agreement. If you permit other persons to use your Card Password or access code and initiate transactions with this Service, you are responsible for any transactions they authorize or conduct on any of your PINAccounts. For EFT transactions on a consumer deposit account, under this Agreement, you are responsible for all transactions you authorize using Online Banking, Mobile Banking, ▇▇▇▇ Pay, and any other Electronic Service. For consumer accounts, transactions by family members or friends that you allow on your Account are authorized by you. If you permit other persons to use your Password, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell you must notify us at once immediately if you believe anyone has used your PIN or Password and accessed your accounts without your authority. Telephoning is the best way of keeping your possible losses downauthorization. For Visa Debit Card purchase EFT transactions, if you notify us of your lost or stolen card within twenty-four (24) hours of discovery and meet certain conditions, you may not be liable for any losses. This zero liability will apply only if: (i) you can demonstrate that you exercised reasonable care in safekeeping your Card from risk of loss or theft; (ii) you have not reported two or more incidents of unauthorized use to us within the preceding 12 months; and (iii) your account is in good standing. If you notify us of your lost or stolen Card after twenty-four (24) hours of discovery or do not satisfy the conditions set forth above, your maximum liability for losses to your account may be up to $50. These liability limits will apply, provided you did not receive a benefit or the unauthorized use of your Card was by someone without actual, implied, or apparent authority, otherwise the liability limits set forth below may apply. For all other EFT transactions, including ATM Card transactions, if you tell us within two (2) business days, you can lose no more than $50 if someone accessed your account without your permission. If you do not tell notify us within two (2) business days after you learn of the unauthorized use of your account or CardPassword, and we can prove that we could have stopped someone from accessing our your account without your permission if you had told us, you could lose as much as $500. Your liability for unauthorized loan transactions through an EFT service is $50. Also, if If your statement shows EFT transfers transactions that you did not make, tell notify us at onceimmediately. If you do not tell notify us within sixty (60) days after the statement was mailed or electronically delivered to you, you may be liable for the following amounts full amount of the loss if we can prove that we could have stopped someone from making the transfers if you had told us in time: (i) for unauthorized Visa Debit Card purchase transactions - up to the limits set forth above and (ii) for all other unauthorized ATM transactions - up to the full amount of the lossEFT transactions. If a good reason (such as a hospital stay) kept you from telling notifying us, we will may extend the time periodsperiod. If you believe your Card or PIN have Password has been lost or stolen or that someone has transferred or may transfer money funds from your account without your permission, callcontact us immediately by one of the following: (Telephone: ▇▇▇) .▇▇▇-.▇▇▇▇ or write: Alaska Air Group ▇.▇▇▇.▇▇▇.▇▇▇▇ In person at one of the Connection Credit Union branches. Mail: Connection Credit Union, ▇▇▇ ▇▇▇ ▇▇▇▇, ▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇, ▇▇▇ ▇▇▇ ▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇

Member Liability. You are responsible for all transfers transactions you authorize using your Card EFT services under this Agreement. If you permit other persons someone else to use an EFT service, your Card or your PINaccess code, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell us at once TELL US AT ONCE if you believe anyone your Card and/or access code has been lost or stolen or if you believe someone has used your PIN Card or access code or otherwise accessed your accounts without your authoritypermission. Telephoning is the best way of keeping your possible losses down. For Visa Debit Card purchase transactions, if you notify us You could lose all the money in your account (plus your maximum overdraft line of your lost or stolen card within twenty-four (24) hours of discovery and meet certain conditions, you may credit). You are not be liable for any losses. This zero liability will apply only if: (i) an unauthorized MasterCard debit card transaction that was not conducted at an ATM if you can demonstrate that you exercised reasonable care in safekeeping protecting your Card from risk of loss or theft; (ii) , you have not reported two or more incidents of unauthorized use to us within in the preceding 12 past twelve (12) months; , and (iii) your account is in good standing. If you notify us of Otherwise your lost or stolen Card after twenty-four (24) hours of discovery or do not satisfy the conditions set forth above, your maximum liability for losses to your account may an unauthorized MasterCard debit card transaction that was not conducted at an ATM will be up to no more than $50. These liability limits will apply, provided you did not receive a benefit or the unauthorized use of your Card was by someone without actual, implied, or apparent authority, otherwise the liability limits set forth below may apply. For all other EFT transactionstransactions involving access devices, including ATM Card transactionstransactions conducted at ATMs, if your liability for unauthorized transactions is determined as follows. If you tell us within two (2) business days, you can lose no more than $50 if someone accessed used your account Card or code without your permission. If you do not NOT tell us within two (2) business days after you learn of the unauthorized use loss or theft of your account Card or Cardcode, and we can prove that we could have stopped someone from accessing our account using your Card or code without your permission if you had told us, you could lose as much as $500. Your liability for unauthorized loan transactions through an EFT service is $50. Also, if your statement shows EFT transfers that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may be liable for not get back any money lost after the following amounts sixty (60) days if we can prove that we could have stopped someone from making the transfers if you had told us in time: (i) for unauthorized Visa Debit Card purchase transactions - up to the limits set forth above and (ii) for all other unauthorized ATM transactions - up to the full amount of the loss. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periods. If you believe your Card or PIN have has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call: (▇▇▇) ▇▇▇-▇▇▇▇ or write: Alaska Air Group Credit Union ▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇, ▇▇▇ ▇▇▇ ▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇:

Member Liability. You are responsible for all transfers EFT transactions you authorize using your Card under this Agreementauthorize. If you permit other persons someone else to use an EFT service, your Card or your PINaccess code, you are responsible for any transactions they authorize or conduct on any of your accountsAccounts. HoweverIf you believe your ATM Card or VISA Debit Card has been lost or stolen or that someone has transferred or may transfer money from your Account without your permission, tell call us at once at: (▇▇▇) ▇▇▇-▇▇▇▇ or write us at: Alliance Credit Union ▇▇▇ ▇▇▇▇▇▇ ▇▇. After business hours for Visa Debit Card only- ▇-▇▇▇-▇▇▇-▇▇▇▇ Tell us AT ONCE if you believe anyone your ATM card or VISA Debit Card has been lost or stolen or if you believe someone has used your PIN Card or access code or otherwise accessed your accounts Accounts without your authority. Telephoning is the best way of keeping your possible losses down. For Visa You could lose all the money in your Account. If a transaction was made with your VISA Debit Card purchase transactionsor VISA Debit Card number without your permission, if and was either a VISA or Interlink transaction, you notify us will have no liability for the transaction, unless you were grossly negligent in the handling of your lost Account or stolen card within twenty-four (24) hours of discovery and meet certain conditions, you may not be liable for any losses. This zero liability will apply only if: (i) you can demonstrate that you exercised reasonable care in safekeeping your Card from risk of loss or theft; (ii) you have not reported two or more incidents of unauthorized use to us within the preceding 12 months; and (iii) your account is in good standing. If you notify us of your lost or stolen Card after twenty-four (24) hours of discovery or do not satisfy the conditions set forth above, your maximum liability for losses to your account may be up to $50. These liability limits will apply, provided you did not receive a benefit or the unauthorized use of your Card was by someone without actual, implied, or apparent authority, otherwise the liability limits set forth below may applycard. For all other EFT transactions, including ATM Card transactionstransactions or if you were grossly negligent in the handling of your Account or card, if your liability for an unauthorized transaction is determined as follows. If you tell us within two (2) business days, days you can lose no more than $50 if someone accessed used your account ATM card/PIN without your permission. If you do not DO NOT tell us within two (2) business days after you learn of the unauthorized use loss or theft of your account or Cardcard, and we can prove that we could have stopped someone from accessing our account using your card without your permission if you had told us, you could lose as much as $500. Your liability for unauthorized loan transactions through an EFT service is $50. Also, if your statement shows EFT transfers that you did not make, tell us at once. If you do not tell us within sixty (60) 60 days after the statement was has been mailed to you, you may be liable for not recover any money lost after the following amounts 60 days if we can prove that we could have stopped someone from making the transfers if you had told us in time: (i) for unauthorized Visa Debit Card purchase transactions - up to the limits set forth above and (ii) for all other unauthorized ATM transactions - up to the full amount of the loss. If a good reason extenuating circumstances (such as a hospital stay) kept you from telling contacting us, we will may, at our discretion, extend the a given time periods. If you believe your Card or PIN have been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call: (▇▇▇) ▇▇▇-▇▇▇▇ or write: Alaska Air Group Credit Union ▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇, ▇▇▇ ▇▇▇ ▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇frame.

Member Liability. You are responsible for all transfers transactions you authorize using your Card EFT services under this Agreement. If you permit other persons someone else to use an EFT service, your Card card or your PINaccess code, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell us at once if you believe anyone your card and/or access code has been lost or stolen or if you believe someone has used your PIN Card or access code or otherwise accessed your accounts without your authoritypermission. Telephoning us is the best way of keeping minimizing your possible losses down. For Visa Debit Card purchase transactions, if you notify us of your lost or stolen card within twenty-four (24) hours of discovery and meet certain conditions, you may not be liable for any losses. This zero liability will apply only if: (i) you can demonstrate that you exercised reasonable care You could lose all the money in safekeeping your Card from risk of loss or theft; (ii) you have not reported two or more incidents of unauthorized use to us within the preceding 12 months; and (iii) your account is in good standing(plus your maximum overdraft line of credit). If you notify us of your lost or stolen Card after twenty-four (24) hours of discovery or do not satisfy the conditions set forth above, your maximum liability for losses to your account may be up to $50. These liability limits will apply, provided you did not receive a benefit or the unauthorized use of your Card was by someone without actual, implied, or apparent authority, otherwise the liability limits set forth below may apply. For all other EFT transactions, including ATM Card transactions, if you tell us within two (2) business days, you can lose no more than $50 if someone accessed your account without your permission. If you do not tell us within two (2) business days after you learn of the unauthorized use loss or theft of your account Card and/or access code you will not be liable. If you do NOT tell us within 2 business days after you learn of the loss or Cardtheft of your card and/or code, and we can prove that we could have stopped someone from accessing our account using your card and/or code without your permission if you had told us, you could lose as much as be liable for up to $500. Your Additional Limit on Liability for VISA Check Card: Unless you have been grossly negligent or have engaged in fraud, you will not be liable for any unauthorized transactions using your lost or stolen VISA Check Card. This additional limit on liability for unauthorized loan does not apply to ATM transactions, to transactions through an EFT service is $50using your Personal Identification Number which are not processed by VISA, or to commercial cards. Also, if your statement shows EFT transfers that you did not make, tell us at once. If you do not tell us within sixty (60) 60 calendar days after the statement was mailed to you, you may be liable for not get back any money you lost after the following amounts 60 calendar days if we can prove that we could have stopped someone from making taking the transfers money if you had told us in time: (i) for . This does not apply to unauthorized Visa Debit Card purchase transactions - up to the limits set forth above and (ii) for all use of a VISA debit card, an ATM card or other unauthorized ATM transactions - up to the full amount of the lossaccess device. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will may extend the time periods. If you believe your Card or PIN have card and/or code has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call: (▇▇▇) ▇▇▇-▇▇▇▇ call or write: Alaska Air Group Credit Union ▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇, ▇▇▇ ▇▇▇ ▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇write us at the telephone number or address listed in this Agreement or on your statement.

Member Liability. You are responsible for all transfers you initiate, authorize, and/or pre-authorize using any of your Card EFT services under this Agreement. If Subject to Consumer Financial Protection Bureau Regulation E, if you permit other persons to use your Card or your an EFT service, plastic card (ATM, Debit, Credit), PIN, Digital Banking log in information, Mobile Wallet, or access code, then you are responsible for any all transactions they authorize or conduct on any of your accounts. However, tell us at once You are responsible for informing the Credit Union immediately if you believe anyone has used your PIN accounts, cards, PIN, or otherwise accessed any of your accounts EFT services without your authority. Telephoning is the best way of keeping your possible losses downauthority or permission. For Visa Debit Card purchase VISA card transactions, you must notify the Credit Union within sixty (60) calendar days after we’ve sent the first statement on which the transac- tion appears. You must submit the dispute in writing and provide all information requested by the credit union within this sixty (60) day period, the Credit Union will provide a dispute form upon verbal notification. Your liability may not exceed $50.00 for any unauthorized EFTs if your plastic cards (ATM, Debit, or Credit) are lost/stolen provided you notify us of your lost or stolen card within twenty-four (24) hours of discovery and meet certain conditions, you may not be liable for any losses. This zero liability will apply only if: (i) you can demonstrate that you exercised reasonable care in safekeeping your Card from risk of loss or theft; (ii) you have not reported two or more incidents of unauthorized use to us within the preceding 12 months; and (iii) your account is in good standing. If you notify us of your lost or stolen Card after twenty-four (24) hours of discovery or do not satisfy the conditions set forth above, your maximum liability for losses to your account may be up to $50. These liability limits will apply, provided you did not receive a benefit or the unauthorized use of your Card was by someone without actual, implied, or apparent authority, otherwise the liability limits set forth below may apply. For all other EFT transactions, including ATM Card transactions, if you tell us within two (2) business days, you can lose no more than $50 if someone accessed your account without your permission. If you do not tell us within two (2) business days after the loss or theft, and provided you learn were not grossly negligent in safekeeping your information. Examples of gross negligence include, but are not limited to: writing down your PIN, setting a PIN that is easily guessed, or leaving your physical card unsecured/unattended. If you don’t notify us within two (2) business days of the loss or theft, your liability may not exceed $500.00 for any unauthorized use of EFTs provided you were not negligent in safeguarding your account or Card, information and we can prove that we could have stopped someone from accessing our further account without your permission if access had you had told us, you could lose as much as $500. Your liability for unauthorized loan transactions through an EFT service is $50. Also, if your statement shows EFT transfers that you did not make, tell informed us at oncesooner. If you do not tell don’t notify us within sixty (60) calendar days after we have sent the first statement was mailed to youon which the transaction appears, you your liability may be liable for not exceed the following amounts if we can prove that we could have stopped someone from making the transfers if you had told us in time: (i) for unauthorized Visa Debit Card purchase transactions - up to the limits set forth above and (ii) for all other unauthorized ATM transactions - up to the full amount of the lossunauthorized transfers that occur after the close of the sixty (60) days and before notice to us if we establish the loss would not have occurred had we been notified within the sixty (60) day period. If there is a good reason (such as a hospital stay) kept you from telling usdelay in notifying us due to extenuating circumstances, we will may extend the time periodstimes specified above to a reasonable period. If you believe your Card plastic cards (ATM, Debit, or PIN Credit) have been lost lost/stolen, you become aware that your PIN is compromised, or stolen or that if you believe someone has transferred or may transfer money from your account without your authority or permission, callplease contact us immediately: (• Telephone: ▇▇▇) -▇▇▇-▇▇▇▇ or write: Alaska Air Group (toll free 800-942-9408) • In person at one of the Trailhead Credit Union ▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇branches • Online using Secured Messaging in Digital Banking • Mail: PO Box 2788 Portland, ▇▇▇ ▇▇▇ ▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇OR 97208-2788

Member Liability. You are responsible for all transfers transactions you authorize using your Card EFT services under this Agreement. If you permit other persons someone else to use an EFT service, your Card card or your PINaccess code, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell us at once TELL US AT ONCE if you believe anyone your card or access code has been lost or stolen, if you believe someone has used your PIN 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 permission using information from your check. Telephoning is the best way of keeping your possible losses down. For You could lose all the money in your account (plus your maximum overdraft line-of-credit). If a transaction was made with your card or card number without your permission and was a Visa Debit Card purchase transactionstransaction, if you notify us will have no liability for the transaction, unless you were grossly negligent in the handling of your lost account or stolen card within twenty-four (24) hours of discovery and meet certain conditions, you may not be liable for any losses. This zero liability will apply only if: (i) you can demonstrate that you exercised reasonable care in safekeeping your Card from risk of loss or theft; (ii) you have not reported two or more incidents of unauthorized use to us within the preceding 12 months; and (iii) your account is in good standing. If you notify us of your lost or stolen Card after twenty-four (24) hours of discovery or do not satisfy the conditions set forth above, your maximum liability for losses to your account may be up to $50. These liability limits will apply, provided you did not receive a benefit or the unauthorized use of your Card was by someone without actual, implied, or apparent authority, otherwise the liability limits set forth below may applyaccess code. For all other EFT transactions, including ATM Card transactions, if you tell us within two (2) business days, you can lose no more than $50 if someone accessed were grossly negligent in the handling of your account without or card or access code, your permissionliability for an unauthorized transaction is determined as follows. If you do not tell us within two (2) business days after you learn of the unauthorized use loss or theft of your account card or Cardaccess code, you can lose no more than $50.00 if someone used your card or access code without your permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your card or access code and we can prove that we could have stopped someone from accessing our account using your card or access code without your permission if you had told us, you could lose as much as $500. Your liability for unauthorized loan transactions through an EFT service is $50500.00. Also, if your statement shows EFT transfers that you did not makemake including those made by card, tell us at onceaccess code or other means, TELL US AT ONCE. If you do not tell us within sixty (60) 60 days after the statement was mailed to you, you may be liable for not get back any money lost after the following amounts 60 days if we can prove that we could have stopped someone from making the transfers if you had told us in time: (i) for unauthorized Visa Debit Card purchase transactions - up to the limits set forth above and (ii) for all other unauthorized ATM transactions - up to the full amount of the loss. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periods. If you believe your Card card or PIN have access code has been lost or stolen or that someone has transferred or may transfer money from your account accounts without your permission, call: Local:(▇▇▇) ▇▇▇-▇▇▇▇ Toll-Free: (▇▇▇) ▇▇▇-▇▇▇▇ or writewrite to: Alaska Air Group The United Methodist Credit Union P.O. Box 13680 Richmond, VA 23225 Fax: (▇▇▇) ▇▇▇-▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇, ▇▇▇ ▇▇▇ ▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇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 without your permission.

Member Liability. You are responsible for all transfers you authorize using your Card EFT card services under this Agreement. If you permit other persons to use your an EFT card service, Card or your PINaccess code, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell us at once if you believe anyone has used your PIN Account, Card or access code and accessed your accounts without your authority. Telephoning or blocking your card in Online Services is the best way of keeping your possible losses down. For Visa VISA Debit Card purchase transactions, if you notify us of your lost or stolen card within twenty-four (24) hours of discovery and meet certain conditionscard, you may not be liable for any losses. This zero liability will apply only if: (i) losses provided you can demonstrate that you exercised reasonable care were not negligent or fraudulent in safekeeping handling your Card from risk of loss or theft; (ii) and you have not reported two or more incidents of provide us with a written statement regarding your unauthorized use to us within Card claim, otherwise the preceding 12 months; and (iii) your account is in good standing. If you notify us of your lost or stolen Card after twenty-four (24) hours of discovery or do not satisfy the conditions set forth above, your maximum liability for losses to your account may be up to $50. These following liability limits will apply, provided you did not receive a benefit or the unauthorized use of your Card was by someone without actual, implied, or apparent authority, otherwise the liability limits set forth below may apply. For all other EFT transactions, including ATM Card card transactions, if you tell us within two (2) business daysdays of detecting unauthorized activity, you can lose no more than $50 if someone accessed your account without your permission. If you do not tell us within two (2) business days after you learn of the unauthorized use of your account ATM or Debit Card, PIN, credentials, or authorization codes, and we can prove that we could have stopped someone from accessing our your account without your permission if you had told us, you could lose as much as $500. Your liability for unauthorized loan transactions through an EFT service is $50. Also, if your statement shows EFT transfers card transactions that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may be liable for not get back any money lost after the following amounts sixty days if we can prove that we could have stopped someone from making the transfers transactions if you had told us in time: (i) for unauthorized Visa Debit Card purchase transactions - up to the limits set forth above and (ii) for all other unauthorized ATM transactions - up to the full amount of the loss. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periods. If you believe your Card or PIN have been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call: (▇▇▇) ▇▇▇-▇▇▇▇ or write: Alaska Air Group Credit Union ▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇, ▇▇▇ ▇▇▇ ▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇.

Member Liability. You are responsible for all transfers you authorize using your Card under this Agreement. If you permit other persons to use your Card or your PINuser name and password, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell us at once if you believe anyone has used your PIN user name and password or accessed your accounts without your authority. Telephoning is the best way of keeping your possible losses down. For Visa Debit Card purchase transactions, if you notify us of your lost or stolen card within twentyCUe-four (24) hours of discovery and meet certain conditions, you may not be liable for any losses. This zero liability will apply only if: (i) you can demonstrate that you exercised reasonable care in safekeeping your Card from risk of loss or theft; (ii) you have not reported two or more incidents of unauthorized use to us within the preceding 12 months; and (iii) your account is in good standing. If you notify us of your lost or stolen Card after twenty-four (24) hours of discovery or do not satisfy the conditions set forth above, your maximum liability for losses to your account may be up to $50. These liability limits will apply, provided you did not receive a benefit or the unauthorized use of your Card was by someone without actual, implied, or apparent authority, otherwise the liability limits set forth below may apply. For all other EFT transactions, including ATM Card Branch transactions, if you tell us within two (2) business days, you can lose no more than fifty dollars ($50 50.00) if someone accessed your account without your permission. If you do not tell us within two (2) business days after you learn of the unauthorized use of your account or Carduser name and password, and we can prove that we could have stopped someone from accessing our your account without your permission if you had told us, you could lose as much as five hundred dollars ($500. Your liability for unauthorized loan transactions through an EFT service is $50500.00). Also, if your statement shows EFT CUe-Branch transfers that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may be liable for the following amounts full amount of the loss if we can prove that we could have stopped someone from making the transfers if you had told us in time: (i) for unauthorized Visa Debit Card purchase transactions - up to the limits set forth above and (ii) for all other unauthorized ATM transactions - up to the full amount of the losstransactions. If a good reason (such as a long trip or hospital stay) kept you from telling us, we will extend the time periods. If you believe your Card or PIN have been lost or stolen or that someone has used your user name and password or has transferred or may transfer money from your account without your permission, call: call us at 601-987- 1290. Immediately change your password if you think it has been compromised. Our business days are Monday through Friday, excluding holidays. Currently there are no fees to use CUe-Branch. All standard fees (▇▇▇NSF, Stop Payment, etc.) ▇▇▇-▇▇▇▇ or write: Alaska Air Group set forth in our fees and charges schedule apply. MS Highway Safety Patrol Federal Credit Union ▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇, ▇▇▇ ▇▇▇ ▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇reserves the right to charge for CUe-Branch account access or transactions in the future. You will be given at least 30 days advance notice before MS Highway Safety Patrol Federal Credit Union implements any changes to fees or adds any new fees for CUe-Branch service.

Member Liability. You are responsible for all transfers you authorize using your Card EFT services under this Agreement. If you permit other persons to use your an EFT service, Card or your PINaccess code, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell us at once if you believe anyone has used your PIN Account, Card or access code and accessed your accounts without your authority. Telephoning is the best way of keeping your possible losses down. For Visa Debit VISA Check Card purchase transactions, if you notify us of your lost or stolen card within twenty-four two (242) hours business days of discovery and meet certain conditionsdiscovery, you may not be liable for any losses. This zero liability will apply only if: (i) you can demonstrate that you exercised reasonable care in safekeeping your Card from risk of loss or theft; (ii) you have not reported two or more incidents of unauthorized use to us within the preceding 12 months; and (iii) your account is in good standing. If you notify us of your lost or stolen Card card after twenty-four two (242) hours business days of discovery or do not satisfy the conditions set forth aboveyour discovery, your maximum liability for losses to your account may be up to $50. These liability limits will apply, provided you did were not receive grossly negligent or fraudulent in handling your VISA Check Card and you provide us with a benefit or the written statement regarding your unauthorized use of your VISA Check Card was by someone without actual, implied, or apparent authorityclaim, otherwise the liability limits set forth below may apply. For all other EFT transactions, including ATM Card transactions, if you tell us within two (2) business days, you can lose no more than $50 if someone accessed your account without your permission. If you do not tell us within two (2) business days after you learn of the unauthorized use of your account or CardEFT service, and we can prove that we could have stopped someone from accessing our account without your permission if you had told us, you could lose as much as $500. Your liability for unauthorized loan transactions through an EFT service is $5050.00. Also, if your statement shows EFT transfers that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may be liable for the following amounts if we can prove that we could have stopped someone from making the transfers if you had told us in time: (i) for unauthorized Visa Debit VISA Check Card purchase transactions - -- up to the limits set forth above and (ii) for all other unauthorized ATM EFT transactions - -- up to the full amount of the loss. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periods. If you believe your Card or PIN have has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call: (▇▇▇) ▇▇▇-▇▇▇▇ , or (▇▇▇) ▇▇▇-▇▇▇▇ Mon. - Fri., 9:00 a.m. to 4:00 p.m. or write: Alaska Air Group Power Financial Credit Union ▇▇▇▇ ▇▇ ▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇, ▇▇▇ ▇▇▇ ▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇

Member Liability. You are responsible for all transfers you authorize using your Card EFT services under this Agreement. If you permit other persons to use your an EFT service, Card or your PIN, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell us at once if you believe anyone has used your Account, Card or PIN or and accessed your accounts without your authority, 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. For Visa Debit Card purchase transactions, if you notify us of your lost or stolen card within twenty-four (24) hours of discovery and meet certain conditions, you may will not be liable for any losses. This zero liability will apply only if: (i) you can demonstrate losses provided that you exercised reasonable care were not grossly negligent or fraudulent in safekeeping handling your Card from risk of loss or theft; (ii) and you have not reported two or more incidents of provide us with a written statement regarding your unauthorized use to us within Card claim, otherwise the preceding 12 months; and (iii) your account is in good standing. If you notify us of your lost or stolen Card after twenty-four (24) hours of discovery or do not satisfy the conditions set forth above, your maximum liability for losses to your account may be up to $50. These following liability limits will apply, provided you did not receive a benefit or the unauthorized use of your Card was by someone without actual, implied, or apparent authority, otherwise the liability limits set forth below may apply. For all other EFT transactions, including ATM Card transac- tions except electronic check transactions, if you tell us within two (2) business days, you can lose no more than $50 if someone accessed your account without your permissionper- mission. If you do not tell us within two (2) business days after you learn of the unauthorized unau- thorized use of your account or CardEFT service, and we can prove that we could have stopped someone from accessing our your account without your permission if you had told us, you could lose as much as $500. Your liability In no event will you be liable for more than $50 for unauthorized loan transactions through an EFT service is $50withdrawals from a line of credit account. Also, if your statement shows EFT transfers EFTs that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may be liable for not get back any money lost after the following amounts sixty (60) days if we can prove that we could have stopped someone from making the transfers if you had told us in time: (i) for unauthorized Visa Debit Card purchase transactions - up to the limits set forth above and (ii) for all other unauthorized ATM transactions - up to the full amount of the loss. If a good reason rea- son (such as a hospital stay) kept you from telling us, we will extend the time periodsperi- ods. If you believe that someone has used your Card or PIN have been lost or stolen or that someone has transferred or may transfer money from your account without your permissionpermission or you have lost your Card, call: (▇▇▇) -▇▇▇-▇▇▇▇ or write: Alaska Air Group Credit Union ▇▇▇-▇▇▇-▇▇▇▇ (Visa) or write: Trius Federal Credit Union, ▇▇▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇, ▇▇▇ ▇▇▇ ▇▇▇▇▇▇, ▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇.

Member Liability. You are responsible for all transfers EFT transactions you authorize using your Card under this Agreementauthorize. If you permit other persons someone else to use an EFT service, your Card or your PINaccess code, you are responsible for any transactions they authorize or conduct on any of your accountsAccounts. HoweverIf you believe your ATM Card or VISA Debit Card has been lost or stolen or that someone has transferred or may transfer money from your Account without your permission, tell Call us at once at: (▇▇▇) ▇▇▇-▇▇▇▇ Or write us at: Alliance Credit Union ▇▇▇▇ ▇ ▇▇▇▇▇▇▇ ▇▇ ▇▇▇▇▇▇, MO 63026 Tell us AT ONCE if you believe anyone your ATM card or VISA Debit Card has been lost or stolen or if you believe someone has used your PIN Card or access code or otherwise accessed your accounts Accounts without your authority. Telephoning is the best way of keeping your possible losses down. For Visa You could lose all the money in your Account. If a transaction was made with your VISA Debit Card purchase transactionsor VISA Debit Card number without your permission, if and was either a VISA or Interlink transaction, you notify us will have no liability for the transaction, unless you were grossly negligent in the handling of your lost Account or stolen card within twenty-four (24) hours of discovery and meet certain conditions, you may not be liable for any losses. This zero liability will apply only if: (i) you can demonstrate that you exercised reasonable care in safekeeping your Card from risk of loss or theft; (ii) you have not reported two or more incidents of unauthorized use to us within the preceding 12 months; and (iii) your account is in good standing. If you notify us of your lost or stolen Card after twenty-four (24) hours of discovery or do not satisfy the conditions set forth above, your maximum liability for losses to your account may be up to $50. These liability limits will apply, provided you did not receive a benefit or the unauthorized use of your Card was by someone without actual, implied, or apparent authority, otherwise the liability limits set forth below may applycard. For all other EFT transactions, including ATM Card transactionstransactions or if you were grossly negligent in the handling of your Account or card, if your liability for an unauthorized transaction is determined as follows. If you tell us within two (2) business days, you can lose no more than $50 if someone accessed used your account ATM card/PIN without your permission. If you do not DO NOT tell us within two (2) business days after you learn of the unauthorized use loss or theft of your account or Cardcard, and we can prove that we could have stopped someone from accessing our account using your card without your permission if you had told us, you could lose as much as $500. Your liability for unauthorized loan transactions through an EFT service is $50. Also, if your statement shows EFT transfers that you did not make, tell us at once. If you do not tell us within sixty (60) 60 days after the statement was has been mailed to you, you may be liable for not recover any money lost after the following amounts 60 days if we can prove that we could have stopped someone from making the transfers if you had told us in time: (i) for unauthorized Visa Debit Card purchase transactions - up to the limits set forth above and (ii) for all other unauthorized ATM transactions - up to the full amount of the loss. If a good reason extenuating circumstances (such as a hospital stay) kept you from telling contacting us, we will may, at our discretion, extend the a given time periods. If you believe your Card or PIN have been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call: (▇▇▇) ▇▇▇-▇▇▇▇ or write: Alaska Air Group Credit Union ▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇, ▇▇▇ ▇▇▇ ▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇frame.

Member Liability. You are responsible for all transfers transactions you authorize using your Card EFT services under this Agreement. If you permit other persons someone else to use an EFT service using your Card card or your PINaccess code, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell us at once TELL US AT ONCE if you believe anyone your card or access code has been lost or stolen, if you believe someone has used your PIN 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 permission using information from your check. Telephoning is the best way of keeping your possible losses down. For You could lose all the money in your account (plus your maximum overdraft line-of-credit). If a transaction was made with your card or card number without your permission and was a Visa Debit Card purchase transactionstransaction, if you notify us will have no liability for the transaction, unless you were negligent in the handling of your lost account or stolen card within twenty-four (24) hours of discovery and meet certain conditions, you may not be liable for any losses. This zero liability will apply only if: (i) you can demonstrate that you exercised reasonable care in safekeeping your Card from risk of loss or theft; (ii) you have not reported two or more incidents of unauthorized use to us within the preceding 12 months; and (iii) your account is in good standing. If you notify us of your lost or stolen Card after twenty-four (24) hours of discovery or do not satisfy the conditions set forth above, your maximum liability for losses to your account may be up to $50. These liability limits will apply, provided you did not receive a benefit or the unauthorized use of your Card was by someone without actual, implied, or apparent authority, otherwise the liability limits set forth below may applyaccess code. For all other EFT transactions, including ATM Card transactions, if you tell us within two (2) business days, you can lose no more than $50 if someone accessed were negligent in the handling of your account without or card or access code, your permissionliability for an unauthorized transaction is determined as follows. If you do not tell us within two (2) business days after you learn of the unauthorized use loss or theft of your account card or Cardaccess code, you can lose no more than $50.00 if someone used your card or access code without your permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your card or access code and we can prove that we could have stopped someone from accessing our account using your card or access code without your permission if you had told us, you could lose as much as $500. Your liability for unauthorized loan transactions through an EFT service is $50500.00. Also, if your statement shows EFT transfers that you did not makemake including those made by card, tell us at onceaccess code or other means, TELL US AT ONCE. If you do not tell us within sixty (60) 60 days after the statement was mailed or made available to you, you may be liable for not get back any money lost after the following amounts 60 days if we can prove that we could have stopped someone from making the transfers if you had told us in time: (i) for unauthorized Visa Debit Card purchase transactions - up to the limits set forth above and (ii) for all other unauthorized ATM transactions - up to the full amount of the loss. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periods. If you believe your Card card or PIN have access code has been lost or stolen or that someone has transferred or may transfer money from your account accounts without your permission, call: (▇▇▇) ▇▇▇-▇▇▇▇ You should also call the number or write: Alaska Air Group Credit Union ▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇, ▇▇▇ ▇▇▇ ▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇write to the address listed above if you believe a transfer has been made using the information from your check without your permission.

Member Liability. You are responsible for all transfers transactions you authorize using your Card EFT services under this Agreement. If you permit other persons someone else to use an EFT service, your Card card or your PINaccess code, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell us at once TELL US AT ONCE if you believe anyone your card or access code has been lost or stolen, if you believe someone has used your PIN 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 permission using information from your check. Telephoning is the best way of keeping your possible losses down. For You could lose all the money in your account (plus your maximum overdraft line-of-credit). If a transaction was made with your card or card number without your permission and was either a Visa Debit Card purchase transactionsor Interlink transaction, if you notify us will have no liability for the transaction, unless you were grossly negligent in the handling of your lost account or stolen card within twenty-four (24) hours of discovery and meet certain conditions, you may not be liable for any losses. This zero liability will apply only if: (i) you can demonstrate that you exercised reasonable care in safekeeping your Card from risk of loss or theft; (ii) you have not reported two or more incidents of unauthorized use to us within the preceding 12 months; and (iii) your account is in good standing. If you notify us of your lost or stolen Card after twenty-four (24) hours of discovery or do not satisfy the conditions set forth above, your maximum liability for losses to your account may be up to $50. These liability limits will apply, provided you did not receive a benefit or the unauthorized use of your Card was by someone without actual, implied, or apparent authority, otherwise the liability limits set forth below may applyaccess code. For all other EFT transactions, including ATM Card transactions, transactions or if you tell us within two (2) business days, you can lose no more than $50 if someone accessed were grossly negligent in the handling of your account without or card or access code, your permissionliability for an unauthorized transaction is determined as follows. If you do not tell us within two (2) business days after you learn of the unauthorized use loss or theft of your account card or Cardaccess code, you can lose no more than $50.00 if someone used your card or access code without your permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your card or access code and we can prove that we could have stopped someone from accessing our account using your card or access code without your permission if you had told us, you could lose as much as $500. Your liability for unauthorized loan transactions through an EFT service is $50500.00. Also, if your statement shows EFT transfers that you did not makemake including those made by card, tell us at onceaccess code or other means, TELL US AT ONCE. If you do not tell us within sixty (60) 60 days after the statement was mailed to you, you may be liable for not get back any money lost after the following amounts 60 days if we can prove that we could have stopped someone from making the transfers if you had told us in time: (i) for unauthorized Visa Debit Card purchase transactions - up to the limits set forth above and (ii) for all other unauthorized ATM transactions - up to the full amount of the loss. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periods. If you believe your Card card or PIN have access code has been lost or stolen or that someone has transferred or may transfer money from your account accounts without your permission, call: (▇▇▇) ▇▇▇-▇▇▇▇ or write: Alaska Air Group Credit Union (▇▇▇) ▇▇▇-▇▇▇▇ (▇▇▇) ▇▇▇-▇▇▇▇ (lost/stolen) or write to: ▇▇▇▇▇▇▇▇ Employees Federal Credit Union Executive Campus #▇, ▇▇▇▇ ▇, ▇▇▇ ▇▇▇ Cherry Hill, NJ 08002 Fax: (▇▇▇) ▇▇▇, ▇▇ -▇▇▇▇▇▇ 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 without your permission.

Member Liability. You are responsible for all transfers you authorize using your Card EFT services under this Agreement. If you permit other persons to use your Card an EFT service, card, PIN or your PINpassword, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell Inform us at once immediately if you believe anyone has used your PIN account, card, PIN, or password and accessed your accounts without your authority, or if you believe an EFT has been made without your permission using information from your checks. Telephoning is the best way of keeping your possible losses down. For Visa Debit Card debit card purchase transactions, if III.3 Continued JordanCreditUnion JordanCreditUnion III.4 180727_Membership Agreement.indd 30-31 8/22/2018 10:01:14 AM you notify us of your lost or stolen card within twenty-four (24) hours of discovery and meet certain conditionscard, you may not be liable for any losses. This zero liability will apply only if: (i) you can demonstrate that you exercised reasonable care in safekeeping your Card from risk of loss or theft; (ii) you have not reported two or more incidents of unauthorized use to us within the preceding 12 months; and (iii) your account is in good standing. If you notify us of your lost or stolen Card after twenty-four (24) hours of discovery or do not satisfy the conditions set forth above, your maximum liability for losses to your account may be up to $50. These liability limits will apply, provided you did were not receive grossly negligent or fraudulent in handling your card and you provide us with a benefit or written statement regarding your unauthorized debit card claim. Otherwise, the unauthorized use of your Card was by someone without actual, implied, or apparent authority, otherwise the following liability limits set forth below may apply. For all other EFT transactions, including ATM Card transactions except electronic check transactions, if you tell us within two (2) business days, you can lose no more than $50 if someone accessed your account without your permission. If you do not tell us within two (2) business days after you learn of the unauthorized use of your account or CardEFT service, and we can prove that we could have stopped someone from accessing our your account without your permission if you had told informed us, you could lose as much as $500. Your liability for unauthorized loan line-of- credit transactions through an EFT service is $50. AlsoAdditionally, if your statement shows EFT transfers that you did not makeauthorize, tell including those made by debit card, PIN, access code, or other means, inform us at once. If you do not tell inform us within sixty (60) days after the statement was mailed or made available to you, you may be liable for up to the following amounts full amount of the loss if we can prove that we could have stopped someone from making the transfers if you had told us in time: (i) for unauthorized Visa Debit Card purchase transactions - up to the limits set forth above and (ii) for all other unauthorized ATM transactions - up to the full amount of the lossinformed us. If a good legitimate reason (such as a hospital stay) kept you from telling informing us, we will extend the these time periods. If you believe your Card or PIN have card has been lost or stolen or that please call us ▇▇▇-▇▇▇-▇▇▇▇, if it is after hours call the lost/ stolen Visa hotline at ▇-▇▇▇-▇▇▇-▇▇▇▇. If you believe someone has transferred or may transfer money from your account without your permission, call: (please call ▇▇▇) -▇▇▇-▇▇▇▇ or write: Alaska Air Group Credit Union toll-free at ▇-▇▇▇-▇▇▇-▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇or write to: Jordan Credit Union, ▇▇▇ ▇▇▇ ▇▇▇▇▇▇P.O. Box 1888, ▇▇ ▇▇▇▇▇Sandy, UT

Member Liability. You are responsible for all transfers you authorize using your Card under EFT services as explained in this Agreementdisclosure, which is part of the MSA. If you permit other persons to use your an EFT service, Card or your PIN, you are responsible for any transactions they authorize or conduct con- duct on any of your accountsthe accounts you have with us. However, tell us at once if you believe anyone has used your the account, Card or PIN or and accessed your the accounts with us without your authority, or if you believe an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. For Visa trans- actions using a MasterCard® Debit Card purchase transactionsCard, if you promptly notify us of your lost or stolen card within twenty-four (24) hours of discovery and meet certain conditionscard, you may will not be liable for any losses. This zero liability will apply only if: (i) you can demonstrate , provided that you exercised reasonable care in safekeeping your safeguarding the Card from risk of against loss or theft; . Otherwise, the following limits (iiapplica- ble to all other transactions) you have not reported two or more incidents of unauthorized use will apply to us within transactions using the preceding 12 months; and (iii) your account is in good standing. If you notify us of your lost or stolen Card after twenty-four (24) hours of discovery or do not satisfy the conditions set forth above, your maximum liability for losses to your account may be up to $50. These liability limits will apply, provided you did not receive a benefit or the unauthorized use of your Card was by someone without actual, implied, or apparent authority, otherwise the liability limits set forth below may applyCard. For all other EFT transactions, including ATM Card transactionstransactions except Electronic Check Transactions, if you tell us within two (2) business days, you can lose no more than $50 if someone accessed your the account with us without your permission. If you do not tell us within two (2) business busi- ness days after you learn of the unauthorized use of your the account or CardEFT service, and we can prove that we could have stopped someone from accessing our the account without your permission if you had told us, you could lose as much as $500. Your liability In no event will you be liable for more than $50 for unauthorized loan transactions through an EFT service is $50withdrawals from a line of credit account. Also, if your statement shows EFT transfers EFTs that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement state- ment was mailed or accessible to you, you may be liable for not get back any money lost after the following amounts sixty (60) days if we can prove that we could have stopped someone from making the transfers if you had told us in time: (i) for unauthorized Visa Debit Card purchase transactions - up to the limits set forth above and (ii) for all other unauthorized ATM transactions - up to the full amount of the loss. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periods. If you believe your that someone has used the Card or PIN have been lost or stolen or that someone has transferred or may transfer money from your account without your permissionpermission or you have lost your Card, call: (▇▇▇) -▇▇▇-▇▇▇▇ or write: Alaska Air Group Credit Union toll-free at ▇▇▇▇▇ - ▇▇▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇, ▇▇▇ ▇▇▇ ▇▇-▇▇▇▇, ▇▇ ▇▇▇▇▇or write: The People’s Federal Credit Union, PO Box 9335, Amarillo, TX 79105.

Member Liability. You are responsible for all transfers you authorize using your Card EFT services under this Agreement. If you permit other persons to use your Card an EFT service, card, PIN or your PINpassword, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell Inform us at once immediately if you believe anyone has used your PIN account, card, PIN, or password and accessed your accounts without your authority, or if you believe an EFT has been made without your permission using information from your checks. Telephoning is the best way of keeping your possible losses down. For Visa Debit Card debit card purchase transactions, if you notify us of your lost or stolen card within twenty-four (24) hours of discovery and meet certain conditionscard, you may not be liable for any losses. This zero liability will apply only if: (i) you can demonstrate that you exercised reasonable care in safekeeping your Card from risk of loss or theft; (ii) you have not reported two or more incidents of unauthorized use to us within the preceding 12 months; and (iii) your account is in good standing. If you notify us of your lost or stolen Card after twenty-four (24) hours of discovery or do not satisfy the conditions set forth above, your maximum liability for losses to your account may be up to $50. These liability limits will apply, provided you did were not receive grossly negligent or fraudulent in handling your card and you provide us with a benefit or written statement regarding your unauthorized debit card claim. Otherwise, the unauthorized use of your Card was by someone without actual, implied, or apparent authority, otherwise the following liability limits set forth below may apply. For all other EFT transactions, including ATM Card transactions except electronic check transactions, if you tell us within two (2) business days, you can lose no more than $50 if someone accessed your account without your permission. If you do not tell us within two (2) business days after you learn of the unauthorized use of your account or CardEFT service, and we can prove that we could have stopped someone from accessing our your account without your permission if you had told informed us, you could lose as much as $500. Your liability for unauthorized loan line- of-credit transactions through an EFT service is $50. AlsoAdditionally, if your statement shows EFT transfers that you did not makeauthorize, tell including those made by debit card, PIN, access code, or other means, inform us at once. If you do not tell inform us within sixty (60) days after the statement was mailed or made available to you, you may be liable for up to the following amounts full amount of the loss if we can prove that we could have stopped someone from making the transfers if you had told us in time: (i) for unauthorized Visa Debit Card purchase transactions - up to the limits set forth above and (ii) for all other unauthorized ATM transactions - up to the full amount of the lossinformed us. If a good legitimate reason (such as a hospital stay) kept you from telling informing us, we will extend the these time periods. If you believe your Card or PIN have card has been lost or stolen or that please call us ▇▇▇-▇▇▇-▇▇▇▇, if it is after hours call the lost/ stolen Visa hotline at ▇-▇▇▇-▇▇▇-▇▇▇▇. If you believe someone has transferred or may transfer money from your account without your permission, call: (please call ▇▇▇) - ▇▇▇-▇▇▇▇ or write: Alaska Air Group Credit Union toll-free at ▇-▇▇▇-▇▇▇-▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇or write to: Jordan Credit Union, ▇▇▇ ▇▇▇ ▇▇▇▇▇▇P.O. Box 1888, ▇▇ ▇▇▇▇▇Sandy, UT 84091- 1888

Member Liability. You are responsible for all transfers you authorize using your Card under EFT services as ex- plained in this Agreementdisclosure, which is part of the MSA. If you permit other persons to use your an EFT service, Card or your PIN, you are responsible for any transactions they authorize au- thorize or conduct on any of your accountsthe accounts you have with us. However, tell us at once if you believe anyone has used your the account, Card or PIN or and accessed your the accounts with us without your authority, or if you believe an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. For Visa transactions using a MasterCard Debit Card purchase transactionsCard, if you promptly notify us of your lost or stolen card within twenty-four (24) hours of discovery and meet certain conditionscard, you may will not be liable for any losses. This zero liability will apply only if: (i) you can demonstrate , provided that you exercised reasonable care in safekeeping your safeguarding the Card from risk of against loss or theft; . Otherwise, the following limits (iiapplicable to all other transactions) you have not reported two or more incidents of unauthorized use will apply to us within transactions using the preceding 12 months; and (iii) your account is in good standing. If you notify us of your lost or stolen Card after twenty-four (24) hours of discovery or do not satisfy the conditions set forth above, your maximum liability for losses to your account may be up to $50. These liability limits will apply, provided you did not receive a benefit or the unauthorized use of your Card was by someone without actual, implied, or apparent authority, otherwise the liability limits set forth below may applyCard. For all other EFT transactions, including ATM Card transactionstransactions except Electronic Check Transactions, if you tell us within two (2) business daysdays after you learn of the loss or theft of your Card, card number, or PIN, you can lose no more than $50 if someone accessed your the account with us without your permission. If you do not tell us within two (2) business days after you learn of the unauthorized use loss or theft of your account Card, card number, or CardPIN, and we can prove that we could have stopped someone from accessing our the account without your permission if you had told us, you could lose as much as $500. Your liability In no event will you be liable for unauthorized loan transactions through an EFT service is more than $5050 for un- authorized withdrawals from a line of credit account. Also, if your statement shows EFT transfers EFTs that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed or accessible to you, you may be liable for not get back any money lost after the following amounts sixty (60) days if we can prove that we could have stopped someone from making the transfers if you had told us in time: (i) for unauthorized Visa Debit Card purchase transactions - up to the limits set forth above and (ii) for all other unauthorized ATM transactions - up to the full amount of the loss. If a good reason (such as a hospital stay) kept you from telling us, we will extend ex- tend the time periods. If you believe your that someone has used the Card or PIN have been lost or stolen or that someone has transferred or may transfer money from your account without your permissionpermission or you have lost your Card, call: (▇▇▇) -▇▇▇-▇▇▇▇ or write: Alaska Air Group Credit Union toll free at ▇▇▇- ▇▇▇-▇▇▇▇, or write to us at: ▇.▇. ▇▇▇ ▇▇▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇, ▇▇▇ ▇▇▇ ▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇.

Member Liability. You are responsible for all transfers you authorize using your Card under this Agreement. If you permit other persons to use your Card or your PINuser name and password, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell us at once if you believe anyone has used your PIN user name and password or accessed your accounts without your authority. Telephoning is the best way of keeping your possible losses down. For Visa Debit Card purchase transactions, if you notify us of your lost or stolen card within twentyCUe-four (24) hours of discovery and meet certain conditions, you may not be liable for any losses. This zero liability will apply only if: (i) you can demonstrate that you exercised reasonable care in safekeeping your Card from risk of loss or theft; (ii) you have not reported two or more incidents of unauthorized use to us within the preceding 12 months; and (iii) your account is in good standing. If you notify us of your lost or stolen Card after twenty-four (24) hours of discovery or do not satisfy the conditions set forth above, your maximum liability for losses to your account may be up to $50. These liability limits will apply, provided you did not receive a benefit or the unauthorized use of your Card was by someone without actual, implied, or apparent authority, otherwise the liability limits set forth below may apply. For all other EFT transactions, including ATM Card Branch transactions, if you tell us within two (2) business days, you can lose no more than fifty dollars ($50 50.00) if someone accessed your account without your permission. If you do not tell us within two (2) business days after you learn of the unauthorized use of your account or Carduser name and password, and we can prove that we could have stopped someone from accessing our your account without your permission if you had told us, you could lose as much as five hundred dollars ($500. Your liability for unauthorized loan transactions through an EFT service is $50500.00). Also, if your statement shows EFT CUe-Branch transfers that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may be liable for the following amounts full amount of the loss if we can prove that we could have stopped someone from making the transfers if you had told us in time: (i) for unauthorized Visa Debit Card purchase transactions - up to the limits set forth above and (ii) for all other unauthorized ATM transactions - up to the full amount of the losstransactions. If a good reason (such as a long trip or hospital stay) kept you from telling us, we will extend the time periods. If you believe your Card Currently there are no fees to use CUe-Branch. All standard fees (NSF, Stop Payment, etc.) set forth in our fees and charges schedule apply. MS DHS FEDERAL CREDIT UNION reserves the right to charge for CUe-Branch account access or PIN have been lost transactions in the future. You will be given at least 30 days advance notice before MS DHS FEDERAL CREDIT UNION implements any changes to fees or stolen or that someone has transferred or may transfer money from your account without your permission, call: (▇▇▇) ▇▇▇adds any new fees for CUe-▇▇▇▇ or write: Alaska Air Group Credit Union ▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇, ▇▇▇ ▇▇▇ ▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇Branch service.

Member Liability. You are responsible for all transfers you authorize using your Card EFT services under this Agreement. If you permit other persons to use your an EFT service, Card or your PIN, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell us at once if you believe anyone has used your PIN account, card or PIN(s) and accessed your accounts without your authority. Telephoning Contacting us by phone is the best way of keeping your possible losses down. For Visa Debit VISA Check Card purchase transactions, if you notify us of your lost or stolen card within twenty-four (24) hours of discovery and meet certain conditions, you may will not be liable for any losses. This zero liability will apply only if: (i) you can demonstrate losses provided that you exercised reasonable care were not grossly negligent or fraudulent in safekeeping handling your card and you provide us with a written statement regarding your unauthorized Card from risk of loss or theft; (ii) you have not reported two or more incidents of unauthorized use to us within claim, otherwise the preceding 12 months; and (iii) your account is in good standing. If you notify us of your lost or stolen Card after twenty-four (24) hours of discovery or do not satisfy the conditions set forth above, your maximum liability for losses to your account may be up to $50. These following liability limits will apply, provided you did not receive a benefit or the unauthorized use of your Card was by someone without actual, implied, or apparent authority, otherwise the liability limits set forth below may apply. For all other EFT transactions, including ATM Card transactions, if you tell us within two (2) business days, you can lose no more than $50 if someone accessed your account without your permission. If you do not tell us within two (2) business days after you learn of the unauthorized use of your account or CardEFT service, and we can prove that we could have stopped someone from accessing our your account without your permission if you had told us, you could lose as much as $500. Your liability In no event will you be liable for more than $50 for unauthorized loan transactions through an EFT service is $50withdrawals from a VISA Check Card. Also, if your statement shows EFT transfers EFTs that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may be liable for not get back any money lost after the following amounts sixty days if we can prove that we could have stopped someone from making the transfers if you had told us in time: (i) for unauthorized Visa Debit Card purchase transactions - up to the limits set forth above and (ii) for all other unauthorized ATM transactions - up to the full amount of the loss. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periods. If you believe your Card or PIN have been lost or stolen or that someone has transferred used your card or may transfer money from your account PIN without your permissionpermission or you have lost your card, call: (713-232- 7774 or contact us electronically by sending e-mail messages through the online account access at ▇▇▇) ▇▇▇-▇▇▇▇ or write: Alaska Air Group Credit Union ▇▇▇▇▇ .▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇. or write: Southern Federal Credit Union ▇.▇. ▇▇▇ ▇▇▇▇ ▇, ▇▇▇ ▇▇▇ ▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇-▇▇▇▇

Member Liability. You are responsible for all transfers transactions you authorize using your Card EFT services under this Agreement. If you permit other persons to use your any EFT service ATM Card or VISA Debit Card or your PIN, access code you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell us at once if you believe anyone your Card has been lost or stolen or if you believe someone has used your PIN any EFT service, ATM Card, VISA Debit Card or access code or otherwise accessed your accounts with us without your authority. Telephoning is the best way of keeping your possible losses down. For Visa VISA Debit Card purchase transactions, if you notify us of that your card has been lost or stolen card within twenty-four (24) hours of discovery and meet certain conditionsstolen, you may not be liable for any losses. This zero liability will apply only if: (i) you can demonstrate that you exercised reasonable care in safekeeping your Card from risk of loss or theft; (ii) you have not reported two or more incidents of unauthorized use to us within the preceding 12 months; and (iii) your account is in good standing. If you notify us of your lost or stolen Card after twenty-four (24) hours of discovery or do not satisfy the conditions set forth above, your maximum liability for losses to your account may be up to $50. These liability limits will apply, provided you did were not receive grossly negligent or fraudulent in handling your VISA Debit Card and that you provide us with a benefit or the written statement regarding your claim of unauthorized use of your VISA Debit Card was by someone without actual, implied, or apparent authorityuse, otherwise the liability limits set forth below may apply. For all other EFT transactions, including ATM Card transactions, if you tell us within two (2) business daysdays that your Card has been lost or stolen, you can lose no more than $50 if someone accessed your account without your permission. If you do not tell us within two (2) business days after you learn of the that your Card has been lost or stolen or that there has been unauthorized use of your account or Cardan EFT service, and we can prove that we could have stopped someone from accessing our your account without your permission if you had told us, you could lose as much as $500. Your liability for unauthorized loan transactions through an EFT service is $50500.00. Also, if your statement shows EFT transfers transactions that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may be liable for the following amounts amounts, if we can prove that we could have stopped someone from making the transfers if you had told us in time: (i) for unauthorized Visa VISA Debit Card purchase transactions - transactions-up to the limits set forth above above, and (ii) for all other unauthorized ATM transactions - EFT transactions-if you fail to satisfy the conditions above; up to the full amount of the loss. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periods. If you believe your Card or PIN have has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, callcall us at: (▇▇▇) ▇▇▇-▇▇▇▇ FAX (▇▇▇) ▇▇▇-▇▇▇▇ or writewrite to: Alaska Air Group Omaha Federal Credit Union ▇▇▇▇ ▇ ▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇, ▇▇▇ ▇▇▇ ▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇

Member Liability. You are responsible for all transfers transactions you authorize using your Card EFT services under this Agreementagreement. If you permit other persons someone else to use an EFT service, your Card card or your PINaccess code, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell us at once TELL US AT ONCE if you believe anyone your card and/or access code has been lost or stolen or if you believe someone has used your PIN card or access code or otherwise accessed your accounts without your authoritypermission 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. For Visa Debit You could lose all the money in your account (plus your maximum overdraft line- of-credit). If a transaction is made with your Visa® Check Card purchase transactionswithout your permission, if you notify us of your lost and was either a Visa® or stolen card within twenty-four (24) hours of discovery and meet certain conditionsInterlink transaction, you may not be liable will have no liability for any lossesthe transaction, unless you were grossly negligent in handling your account. This zero liability will apply only if: (i) you can demonstrate that you exercised reasonable care in safekeeping your Card from risk of loss or theft; (ii) you have not reported two or more incidents of unauthorized use to us within the preceding 12 months; and (iii) your account is in good standing. If you notify us of your lost or stolen Card after twenty-four (24) hours of discovery or do not satisfy the conditions set forth above, your Your maximum liability for losses to your account may be up to $50. These liability limits will apply, provided you did not receive a benefit or the 50 for all other unauthorized use involving the loss or theft of your Card was by someone without actual, impliedcard or access device, or apparent authority, otherwise the liability limits set forth below may apply. For all other EFT transactions, including ATM Card transactions, if you tell us within two (2) business days, you can lose no more than $50 if someone accessed were grossly negligent in handling your account without your permission. If you do not tell us within two (2) business days after you learn of the unauthorized use of your account or Card, and we can prove that we could have stopped someone from accessing our account without your permission if you had told us, you could lose as much as $500. Your liability for unauthorized loan transactions through an EFT service is $50account. Also, if your statement shows EFT transfers that you did not makemake including those made by card, tell us at oncecode or other means, TELL US AT ONCE. If you do not tell us within sixty (60) days after the statement was mailed to you, you may be liable for not get back any money lost after the following amounts sixty (60) days if we can prove that we could have stopped someone from making the transfers if you had told us in time: (i) for unauthorized Visa Debit Card purchase transactions - up to the limits set forth above and (ii) for all other unauthorized ATM transactions - up to the full amount of the loss. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periods. This paragraph does not apply to unauthorized use of a Visa® debit card, an ATM card or other access device. If you believe your Card card or PIN have code has been lost or stolen or that someone has transferred or may transfer money from your account accounts without your permission, call: (▇▇▇) ▇▇▇-▇▇▇▇ You should also call the number or write: Alaska Air Group Credit Union ▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇, ▇▇▇ ▇▇▇ ▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇write to the address listed above if you believe a transfer has been made using the information from your check without your permission.

Member Liability. You are responsible for all transfers EFT transactions you authorize using your Card under this Agreementauthorize. If you permit other persons someone else to use an EFT Service, your Card or your PINaccess code, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell us at once TELL US AT ONCE if you believe anyone your card has been lost or stolen, if you believe someone has used your PIN 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 permission using information from your check. Telephoning is the best way of keeping your you possible losses down. For Visa Debit You could lose all the money in your account (plus your maximum overdraft line of credit). If a transaction was made with your Card purchase transactionsor Card number without your permission, if and was either a VISA or Interlink transaction, you notify us will have no liability for the transaction, unless you were grossly negligent in the handling of your lost account or stolen card within twenty-four (24) hours of discovery and meet certain conditionscard, you may not be liable your liability for any losses. This zero liability will apply only if: (i) you can demonstrate that you exercised reasonable care in safekeeping your Card from risk of loss or theft; (ii) you have not reported two or more incidents of an unauthorized use to us within the preceding 12 months; and (iii) your account transaction is in good standingdetermined as follows. If you notify us of your lost or stolen Card after twenty-four (24) hours of discovery or do not satisfy the conditions set forth above, your maximum liability for losses to your account may be up to $50. These liability limits will apply, provided you did not receive a benefit or the unauthorized use of your Card was by someone without actual, implied, or apparent authority, otherwise the liability limits set forth below may apply. For all other EFT transactions, including ATM Card transactions, if you tell us within two (2) business days, days you can lose no more than $50 50.00 if someone accessed used your account card without your permission. If you do not NOT tell us within two (2) business days after you learn of the unauthorized use loss or theft of your account or Card, and we can prove that we could have stopped someone from accessing our account using your Card without your permission if you had told us, you could lose as much as $500. Your liability for unauthorized loan transactions through an EFT service is $50500.00. Also, if your statement shows EFT transfers that you did not makemake including those made by card, tell us at oncecode or other means, TELL US AT ONCE. If you do not tell us within sixty (60) days after the statement was mailed to you, you may be liable for not get back any money lost after the following amounts sixty (60) days if we can prove that we could have stopped someone from making the transfers if you had told us in time: (i) for unauthorized Visa Debit Card purchase transactions - up to the limits set forth above and (ii) for all other unauthorized ATM transactions - up to the full amount of the loss. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periods. If you believe your Card or PIN have has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call: (▇▇▇) ▇▇▇-▇▇▇▇ or write: Alaska Air Group Credit Union (▇▇▇) ▇▇▇-▇▇▇▇ or write to Omaha Firefighters Credit Union, ▇▇▇▇ ▇ ▇▇▇ ▇▇ ▇▇▇▇▇ ▇▇ ▇▇▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇, ▇▇▇ ▇▇▇ ▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇. You should also call the number or write the address listed above if you believe a transfer has been made using the information from your check without your permission.

Member Liability. You are solely responsible for all transfers you authorize using your Card any EFT services under this Agreement. If you permit other persons to use an EFT service, debit card or Password, you are responsible for any transactions they authorize or conduct on any of your Card Accounts. For EFT transactions on a consumer deposit account, under this Agreement, you are responsible for all transactions you authorize using Online Banking, Mobile Banking, ▇▇▇▇ Pay, and any other Electronic Service. For consumer accounts, transactions by family members or friends that you allow on your PINAccount are authorized by you. If you permit other persons to use your Password, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell you must notify us at once immediately if you believe anyone has used your PIN or Password and accessed your accounts without your authority. Telephoning is the best way of keeping your possible losses downauthorization. For Visa Debit Card purchase EFT transactions, if you notify us of your lost or stolen card within twenty-four (24) hours of discovery and meet certain conditions, you may not be liable for any losses. This zero liability will apply only if: (i) you can demonstrate that you exercised reasonable care in safekeeping your Card from risk of loss or theft; (ii) you have not reported two or more incidents of unauthorized use to us within the preceding 12 months; and (iii) your account is in good standing. If you notify us of your lost or stolen Card after twenty-four (24) hours of discovery or do not satisfy the conditions set forth above, your maximum liability for losses to your account may be up to $50. These liability limits will apply, provided you did not receive a benefit or the unauthorized use of your Card was by someone without actual, implied, or apparent authority, otherwise the liability limits set forth below may apply. For all other EFT transactions, including ATM Card transactions, if you tell us within two (2) business days, you can lose no more than $50 if someone accessed your account without your permission. If you do not tell notify us within two (2) business days after you learn of the unauthorized use of your account or CardPassword, and we can prove that we could have stopped someone from accessing our your account without your permission if you had told us, you could lose as much as $500. Your liability for unauthorized loan transactions through an EFT service is $50. Also, if If your statement shows EFT transfers transactions that you did not make, tell notify us at onceimmediately. If you do not tell notify us within sixty (60) days after the statement was mailed or electronically delivered to you, you may be liable for the following amounts full amount of the loss if we can prove that we could have stopped someone from making the transfers if you had told us in time: (i) for unauthorized Visa Debit Card purchase transactions - up to the limits set forth above and (ii) for all other unauthorized ATM transactions - up to the full amount of the lossEFT transactions. If a good reason (such as a hospital stay) kept you from telling notifying us, we will may extend the time periodsperiod. If you believe your Card or PIN have Password has been lost or stolen or that someone has transferred or may transfer money funds from your account without your permission, callcontact us immediately by one of the following: (Telephone: ▇▇▇) .▇▇▇.▇▇▇▇ Lost or Stolen card after hours call ▇▇▇-▇▇▇-▇▇▇▇ or write: Alaska Air Group In person at Express Credit Union Union. ▇▇▇▇ ▇▇▇ ▇▇▇. ▇. ▇▇▇▇▇ ▇▇▇ ▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇ Mail: Express Credit Union, ▇▇ ▇▇▇ ▇▇▇▇ ▇▇, ▇▇▇ ▇▇▇ ▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇

Member Liability. You are responsible for all transfers you authorize using your Card under this Agreement. If you permit other persons to use your Card or your PIN, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell us at once if you believe anyone has used your PIN or accessed your accounts without your authority. Telephoning is the best way of keeping your possible losses down. For Visa Debit Card purchase transactions, if you notify us of your lost or stolen card within twenty-four (24) hours of discovery and meet certain conditions, you may not be liable for any losses. This zero liability will apply only if: (i) you can demonstrate that you exercised reasonable care in safekeeping your Card from risk of loss or theft; (ii) you have not reported two or more incidents of unauthorized use to us within the preceding 12 months; and (iii) your account is in good standing. If you notify us of your lost or stolen Card after twenty-four (24) hours of discovery or do not satisfy the conditions set forth above, your maximum liability for losses to your account may be up to $50. These liability limits will apply, provided you did not receive a benefit or the unauthorized use of your Card was by someone without actual, implied, or apparent authority, otherwise the liability limits set forth below may apply. For all other EFT transactions, including ATM Card transactions, if you tell us within two (2) business days, you can lose no more than $50 if someone accessed your account without your permission. If you do not tell us within two (2) business days after you learn of the unauthorized use of your account or Card, and we can prove that we could have stopped someone from accessing our account without your permission if you had told us, you could lose as much as $500. Your liability for unauthorized loan transactions through an EFT service is $50. Also, if your statement shows EFT transfers that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may be liable for the following amounts if we can prove that we could have stopped someone from making the transfers if you had told us in time: (i) for unauthorized Visa Debit Card purchase transactions - up to the limits set forth above and (ii) for all other unauthorized ATM transactions - up to the full amount of the loss. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periods. If you believe your Card or PIN have been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call: (▇▇▇) ▇▇▇-▇▇▇▇ or write: Alaska Air Group Credit Union ▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇, ▇▇▇ ▇▇▇ ▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇.

Member Liability. You are responsible for all transfers you authorize using your Card EFT services under this Agreement. If you permit other persons to use your Card an EFT service, Card, or your PINaccess code, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell Tell us at once if you believe anyone has used your PIN Account, Card or access code and accessed your accounts without your authorityauthority or if you believe that an electronic funds transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. For Visa VISA Debit Card purchase transactions, if you notify us of your lost or stolen card within twenty-four (24) hours of discovery and meet certain conditionscard, you may not be liable for any losses. This zero liability will apply only if: (i) you can demonstrate that you exercised reasonable care in safekeeping your Card from risk of loss or theft; (ii) you have not reported two or more incidents of unauthorized use to us within the preceding 12 months; and (iii) your account is in good standing. If you notify us of your lost or stolen Card after twenty-four (24) hours of discovery or do not satisfy the conditions set forth above, your maximum liability for losses to your account may be up to $50. These liability limits will apply, provided you did were not receive grossly negligent or fraudulent in handling your Debit Card and you provide us with a benefit or the written statement regarding your unauthorized use of your VISA Debit Card was by someone without actual, implied, or apparent authorityclaim, otherwise the following liability limits set forth below may apply. For all other EFT transactions, including ATM Card transactions except electronic check transactions, if you tell us within two (2) business days, you can lose no more than $50 if someone accessed your account without your permission. If you do not tell us within two (2) business days after you learn of the unauthorized use of your account or CardEFT service, and we can prove that we could have stopped someone from accessing our your account without your permission if you had told us, you could lose as much as $500. Your liability for unauthorized loan line of credit transactions through an EFT service is $50. Also, if your statement shows EFT transfers that you did not make, including made by card, access code or other means, tell us at once. If you do not tell us within sixty (60) 60 days after the statement was mailed to you, ; you may be liable for the following amounts full amount of the loss if we can prove that we could have stopped someone from making the transfers if you had told us in time: (i) for unauthorized Visa Debit Card purchase transactions - up to the limits set forth above and (ii) for all other unauthorized ATM transactions - up to the full amount of the loss. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periods. If you believe your Card or PIN have has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call: (call ▇▇▇) .▇▇▇-.▇▇▇▇, toll free 800.548.5465 or write Power Financial Credit Union, ▇▇▇▇ or write: Alaska Air Group Credit Union ▇▇ ▇▇▇▇▇ ▇▇▇▇▇▇▇▇, ▇▇▇▇▇ ▇▇▇▇ ▇, ▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇.

Member Liability. You are responsible for all transfers you authorize using your Card under this Agreement. If you permit other persons to use your Card or your PINuser ID and password, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell us at once if you believe anyone has used your PIN user ID and password or accessed your accounts without your authority. Telephoning is the best way of keeping your possible losses down. For Visa Debit Card purchase transactions, if you notify us of your lost or stolen card within twentyCUe-four (24) hours of discovery and meet certain conditions, you may not be liable for any losses. This zero liability will apply only if: (i) you can demonstrate that you exercised reasonable care in safekeeping your Card from risk of loss or theft; (ii) you have not reported two or more incidents of unauthorized use to us within the preceding 12 months; and (iii) your account is in good standing. If you notify us of your lost or stolen Card after twenty-four (24) hours of discovery or do not satisfy the conditions set forth above, your maximum liability for losses to your account may be up to $50. These liability limits will apply, provided you did not receive a benefit or the unauthorized use of your Card was by someone without actual, implied, or apparent authority, otherwise the liability limits set forth below may apply. For all other EFT transactions, including ATM Card Branch transactions, if you tell us within two (2) business days, you can lose no more than fifty dollars ($50 50.00) if someone accessed your account without your permission. If you do not tell us within two (2) business days after you learn of the unauthorized use of your account or Carduser ID and password, and we can prove that we could have stopped someone from accessing our your account without your permission if you had told us, you could lose as much as five hundred dollars ($500. Your liability for unauthorized loan transactions through an EFT service is $50500.00). Also, if your statement shows EFT CUe-Branch transfers that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may be liable for the following amounts full amount of the loss if we can prove that we could have stopped someone from making the transfers if you had told us in time: (i) for unauthorized Visa Debit Card purchase transactions - up to the limits set forth above and (ii) for all other unauthorized ATM transactions - up to the full amount of the losstransactions. If a good reason (such as a long trip or hospital stay) kept you from telling us, we will extend the time periods. If you believe your Card or PIN have been lost or stolen or that someone has used your user ID and password or has transferred or may transfer money from your account without your permission, call: call us at (▇▇▇) ▇▇▇-▇▇▇▇ or write: Alaska Air Group ▇. Immediately change your password if you think it has been compromised. Our business days are Monday through Friday, excluding holidays. Currently there are no fees to use CUe-Branch as long as you receive your Credit Union ▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇statements electronically (CUe-statements). If you choose to receive paper statements, ▇▇▇ ▇▇▇ ▇▇▇▇▇▇then there is a $2 per month charge for CUe-Branch. All standard fees (NSF, ▇▇ ▇▇▇▇▇Stop Payment, etc.) set forth in our fees and charges schedule apply. Kingsport Press Credit Union reserves the right to charge for CUe-Branch account access or transactions in the future. You will be given at least 30 days advance notice before the Credit Union implements any changes to fees or adds any new fees for CUe-Branch service.

Member Liability. You are responsible for all transfers transactions you authorize using your Card EFT services under this Agreement. If you permit other persons someone else to use an EFT service, your Card card or your PINaccess code, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell us at once TELL US AT ONCE if you believe anyone your card or access code has been lost or stolen, if you believe someone has used your PIN 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 permission using information from your check. Telephoning is the best way of keeping your possible losses down. For Visa Debit Card purchase transactions, if you notify us of You could lose all the money in your lost or stolen card within twenty-four (24) hours of discovery and meet certain conditions, you may account. You are not be liable for any losses. This zero liability will apply only if: (i) an unauthorized MasterCard® debit card transaction that was not conducted at an ATM if you can demonstrate that you exercised reasonable care in safekeeping protecting your Card card from risk of loss or theft; (ii) , you have not reported two or more incidents of unauthorized use to us within in the preceding 12 past twelve months; , and (iii) your account is in good standing. If you notify us of Otherwise your lost or stolen Card after twenty-four (24) hours of discovery or do not satisfy the conditions set forth above, your maximum liability for losses to your account may an unauthorized MasterCard® debit card transaction at an ATM will be up to no more than $50. These liability limits will apply, provided you did not receive a benefit or the unauthorized use of your Card was by someone without actual, implied, or apparent authority, otherwise the liability limits set forth below may apply50.00. For all other EFT transactions, transactions involving access devices including ATM Card transactions, if transactions conducted at ATMS your liability for unauthorized transactions is determined as follows. If you tell us within two (2) business days, days you can lose no more than $50 50.00 if someone accessed used your account card or access code without your permission. If you do not NOT tell us within two (2) business days after you learn of the unauthorized use loss or theft of your account card or Card, access code and we can prove that we could have stopped someone from accessing our account using your card or access code without your permission if you had told us, you could lose as much as $500. Your liability for unauthorized loan transactions through an EFT service is $50500.00. Also, if your statement shows EFT transfers that you did not makemake including those made by card, tell us at onceaccess code or other means, TELL US AT ONCE. If you do not tell us within sixty (60) 60 days after the statement was mailed to you, you may be liable for not get back any money lost after the following amounts 60 days if we can prove that we could have stopped someone from making the transfers if you had told us in time: (i) for unauthorized Visa Debit Card purchase transactions - up to the limits set forth above and (ii) for all other unauthorized ATM transactions - up to the full amount of the loss. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periods. If you believe your Card card or PIN have access code has been lost or stolen or that someone has transferred or may transfer money from your account accounts without your permission, call: (▇▇▇) ▇▇▇-▇▇▇▇ or writeOr write to: Alaska Air Group Northwest Missouri Regional Credit Union ▇▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇▇ ▇, ▇▇▇ ▇▇▇ ▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇▇ 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 without your permission.

Member Liability. You are responsible for all transfers transactions you authorize using your Card EFT services under this Agreement. If you have funds on hold for a debit card transaction that, may take away from your available balance to clear another item resulting in an overdraft. The following example illustrates how this works: Assume your actual balance and available balance are both $100, and you swipe your debit card at a merchant for $60. As a result, your available will be reduced by $60 so your available balance is only $40. Your actual balance is still $100. Before the merchant charge is sent to us for posting, a check that you wrote for $50 clears. Because you only have $40 available…your account will be overdrawn by $10, even though your actual balance was $100 before the check posted. When the $60 merchant charge is presented and posted to your account, you will not have enough money in your available balance because of the intervening check, and you will be charged a fee for that transaction as well. If you permit other persons someone else to use an EFT service, your Card or your PINaccess code, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell us at once TELL US AT ONCE if you believe anyone your card and/or any access code has been lost or stolen or if you believe someone has used your PIN card or access code or otherwise accessed your accounts without your authoritypermission, or 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. For Visa Debit Card purchase transactions, if you notify us of You could lose all the money in your lost or stolen card within twenty-four (24) hours of discovery and meet certain conditions, you may account. You are not be liable for any losses. This zero liability will apply only if: (i) an unauthorized MasterCard debit card transaction that was conducted at an ATM if you can demonstrate that you have exercised reasonable care in safekeeping protecting your Card card or access code from risk of loss or theft; (ii) , if you have not reported two (2) or more incidents of unauthorized use to us within in the preceding past 12 months; and (iii) , if your account is in good standing. If you notify us of your lost or stolen Card after twenty-four (24) hours of discovery or do not satisfy the conditions set forth aboveOtherwise, your maximum liability for losses to your account may an unauthorized MasterCard debit card transaction that is not conducted at an ATM will be up to no more than $50. These liability limits will apply, provided you did not receive a benefit or the unauthorized use of your Card was by someone without actual, implied, or apparent authority, otherwise the liability limits set forth below may apply50.00. For all other EFT transactionstransactions involving access devices, including ATM Card transactionstransactions conducted at ATMs, if you tell us within two (2) business days, you can lose no more than $50 if someone accessed your account without your permissionliability for unauthorized transactions are determined as follows. If you do not tell us within two (2) business days after you learn of the unauthorized use loss or theft of your account card or Cardaccess code, you can lose no more than $50.00 if someone used your card or access code without your permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your card or access codes and we can prove that we could have stopped someone from accessing our account using your card or access code without your permission permission, if you had told us, you could lose as much as $500. Your liability for unauthorized loan transactions through an EFT service is $50500.00. Also, if your statement shows EFT transfers that you did not makemake including those made by card, tell us at onceaccess code, or other means, TELL US AT ONCE. If you do not tell us within sixty (60) 60 days after the statement was mailed to you, you may be liable for not get back any money lost after the following amounts 60 days if we can prove that we could have stopped someone from making the transfers if you had told us in time: (i) for unauthorized Visa Debit Card purchase transactions - up to the limits set forth above and (ii) for all other unauthorized ATM transactions - up to the full amount of the loss. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periods. If you believe your Card card or PIN have access code has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call: During business hours: (▇▇▇) ▇▇▇-▇▇▇▇ or write(▇▇▇) ▇▇▇-▇▇▇▇ After business hours: Alaska Air Group (▇▇▇) ▇▇▇-▇▇▇▇ Or write to: CommStar Credit Union ▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇▇▇, ▇▇▇ ▇▇▇▇, ▇▇▇▇ ▇▇▇▇▇▇, ▇▇ . Fax: (▇▇▇) ▇▇▇-▇▇▇▇ Members may freeze and unfreeze a registered Debit Card by using the Manage My Cards through the app, available free for compatible iOS and Android devices. See Credit Union for details.

Member Liability. You are responsible for all transfers EFT transactions you authorize using your Card under this Agreementauthorize. If you permit other persons someone else to use an EFT service, your Card or your PINPIN (Personal Identification Number), you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell Tell us at once AT ONCE if you believe anyone your card has been lost or stolen or if you believe someone has used your Card or PIN or otherwise accessed your accounts without your authority. Telephoning is the best way of keeping your possible losses down. For Visa Debit You could lose all the money in your account plus your maximum overdraft line of credit. If a transaction was made with your Card purchase transactionsor Card number without your permission, if and was either a VISA or Interlink transaction, you notify us will have no liability for the transaction, unless you were grossly negligent in the handling of your lost account or stolen card within twenty-four (24) hours of discovery and meet certain conditions, you may not be liable for any losses. This zero liability will apply only if: (i) you can demonstrate that you exercised reasonable care in safekeeping your Card from risk of loss or theft; (ii) you have not reported two or more incidents of unauthorized use to us within the preceding 12 months; and (iii) your account is in good standing. If you notify us of your lost or stolen Card after twenty-four (24) hours of discovery or do not satisfy the conditions set forth above, your maximum liability for losses to your account may be up to $50. These liability limits will apply, provided you did not receive a benefit or the unauthorized use of your Card was by someone without actual, implied, or apparent authority, otherwise the liability limits set forth below may applycard. For all other EFT transactions, including ATM Card transactionstransactions or if you were grossly negligent in the handling of your account or card, if your liability for an unauthorized transaction is determined as follows: • If you tell us within two (2) business days, days you can lose no more than $50 if someone accessed used your account Card without your permission. • If you do not NOT tell us within two (2) business days after you learn of the unauthorized use loss or theft of your account or Card, and we can prove that we could have stopped someone from accessing our account using your Card without your permission if you had told us, you could lose as much as $500. Your liability for unauthorized loan transactions through an EFT service is $50500.00. Also, if your statement shows EFT transfers that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed or emailed to you, you may be liable for not get back any money lost after the following amounts sixty (60) days if we can prove that we could have stopped someone from making the transfers if you had told us in time: (i) for unauthorized Visa Debit Card purchase transactions - up to the limits set forth above and (ii) for all other unauthorized ATM transactions - up to the full amount of the loss. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periods. If you believe your Card or PIN have has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call: (call us immediate at 716-875-1747 or ▇▇▇) -▇▇▇-▇▇▇▇ or write: Alaska Air Group Credit Union -▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇, ▇▇▇ ▇▇▇ ▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇.

Member Liability. You are responsible for all transfers you authorize using your Card EFT services under this Agreement. If you permit other persons to use your Card an EFT service, Card, or your PINaccess code, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell Tell us at once if you believe anyone has used your PIN Account, Card or access code and accessed your accounts without your authorityauthority or if you believe that an electronic funds transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. For Visa VISA Debit Card purchase transactions, if you notify us of your lost or stolen card within twenty-four (24) hours of discovery and meet certain conditionscard, you may not be liable for any losses. This zero liability will apply only if: (i) you can demonstrate that you exercised reasonable care in safekeeping your Card from risk of loss or theft; (ii) you have not reported two or more incidents of unauthorized use to us within the preceding 12 months; and (iii) your account is in good standing. If you notify us of your lost or stolen Card after twenty-four (24) hours of discovery or do not satisfy the conditions set forth above, your maximum liability for losses to your account may be up to $50. These liability limits will apply, provided you did were not receive grossly negligent or fraudulent in handling your Debit Card and you provide us with a benefit or the written statement regarding your unauthorized use of your VISA Debit Card was by someone without actual, implied, or apparent authorityclaim, otherwise the following liability limits set forth below may apply. For all other EFT transactions, including ATM Card transactions except electronic check transactions, if you tell us within two (2) business days, you can lose no more than $50 if someone accessed your account without your permission. If you do not tell us within two (2) business days after you learn of the unauthorized use of your account or CardEFT service, and we can prove that we could have stopped someone from accessing our your account without your permission if you had told us, you could lose as much as $500. Your liability for unauthorized loan line of credit transactions through an EFT service is $50. Also, if your statement shows EFT transfers that you did not make, including made by card, access code or other means, tell us at once. If you do not tell us within sixty (60) 60 days after the statement was mailed to you, ; you may be liable for the following amounts full amount of the loss if we can prove that we could have stopped someone from making the transfers if you had told us in time: (i) for unauthorized Visa Debit Card purchase transactions - up to the limits set forth above and (ii) for all other unauthorized ATM transactions - up to the full amount of the loss. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periodsperiod. If you believe your Card or PIN have has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call: (call ▇▇▇) .▇▇▇-.▇▇▇▇, toll free 800.548.5465 or write Power Financial Credit Union, ▇▇▇▇ or write: Alaska Air Group Credit Union ▇▇ ▇▇▇▇▇ ▇▇▇▇▇▇▇▇, ▇▇▇▇▇ ▇▇▇▇ ▇, ▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇. Member Responsibility for Zelle Transactions Unauthorized Card use occurs when someone else uses your card or account access information, without your permission, to make a transaction that you did not authorize or benefit from.

Member Liability. You are responsible for all transfers you authorize using your Card under this Agreement(Applicable Only to Consumer Accounts; For Business Accounts see the Commercial Membership Disclosure) The following provisions apply to electronic funds transfers. If you permit other persons to use your Card or your PIN, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell Notify us at once immediately if you believe anyone that your Account information including your personal identification number (PIN) has used your PIN been lost or accessed your accounts without your authority. Telephoning is the best way of keeping your possible losses down. For Visa Debit Card purchase transactionsstolen, if you notify us of believe your lost Account has been improperly accessed, or stolen card within twenty-four (24) hours of discovery and meet certain conditionsif you believe that an electronic fund transfer has been made without your permission. If the electronic fund transfer is from a consumer Account, you may not your liability for an unauthorized transaction will be liable for any losses. This zero liability will apply only ifdetermined as follows: (i) you can demonstrate that you exercised reasonable care in safekeeping your Card from risk of loss or theft; (ii) you have not reported two or more incidents of unauthorized use to us within the preceding 12 months; and (iii) your account is in good standing. • If you notify us of your lost or stolen Card after twenty-four (24) hours of discovery or do not satisfy the conditions set forth above, your maximum liability for losses to your account may be up to $50. These liability limits will apply, provided you did not receive a benefit or the unauthorized use of your Card was by someone without actual, implied, or apparent authority, otherwise the liability limits set forth below may apply. For all other EFT transactions, including ATM Card transactions, if you tell us within two (2) business daysdays after learning of the loss or theft of your Password or User ID, or any other means to access your Account such as your debit card, ATM card, code, you can lose no more than $50 if someone accessed used your account Password or User ID without your permission. • If you do not tell NOT notify us within two (2) business days after you learn learning of the unauthorized use loss or theft of your account Password or CardUser ID, and we can prove that we could have stopped someone from accessing our account using your Password or User ID without your permission if had you had told us, you could lose as much as $500. Your liability for unauthorized loan transactions through an EFT service is $50. Also, if If your periodic statement shows EFT transfers that you did not make, tell including those made by card, code or other means, notify us at onceimmediately. If you do not tell us within sixty (60) days after the statement was mailed or emailed to you, you may be liable for not get back any money you lost after the following amounts sixty (60) days if we can prove that we could have stopped someone from making taking the transfers money if you had told us in time: (i) for unauthorized Visa Debit Card purchase transactions - up to the limits set forth above and (ii) for all other unauthorized ATM transactions - up to the full amount of the loss. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will may extend the time periods. If The state law applicable to your Account may give you believe your Card or PIN have been lost or stolen or that someone has transferred or more time to report an unauthorized transaction and may transfer money from your account without your permissionprovide you with additional protection. Please note, call: (▇▇▇) ▇▇▇-▇▇▇▇ or write: Alaska Air Group Credit Union ▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇these liability rules are established by Regulation E, ▇▇▇ ▇▇▇ ▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇which does not apply to business Accounts. The following table summarizes the types of transaction where Regulation E applies:

Member Liability. You are responsible for all transfers transactions you authorize using your Card EFT services under this Agreement. If you permit other persons someone else to use an EFT service, your Card card or your PINaccess code, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell us at once TELL US AT ONCE if you believe anyone your card or access code has been lost or stolen, if you believe someone has used your PIN 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 permission using information from your check. Telephoning is the best way of keeping your possible losses down. For You could lose all the money in your account (plus your maximum overdraft line-of-credit). If a transaction was made with your card or card number without your permission and was a Visa Debit Card purchase transactionstransaction, if you notify us will have no liability for the transaction, unless you were fraudulent or negligent in the handling of your lost account or stolen card within twenty-four (24) hours of discovery and meet certain conditionscard, you may not be liable your liability for any losses. This zero liability will apply only if: (i) you can demonstrate that you exercised reasonable care in safekeeping your Card from risk of loss or theft; (ii) you have not reported two or more incidents of an unauthorized use to us within the preceding 12 months; and (iii) your account transaction is in good standingdetermined as follows. If you notify us of your lost or stolen Card after twenty-four (24) hours of discovery or do not satisfy the conditions set forth above, your maximum liability for losses to your account may be up to $50. These liability limits will apply, provided you did not receive a benefit or the unauthorized use of your Card was by someone without actual, implied, or apparent authority, otherwise the liability limits set forth below may apply. For all other EFT transactions, including ATM Card transactions, if you tell us within two (2) business days, you can lose no more than $50 if someone accessed your account without your permission. If you do not tell us within two (2) business days after you learn of the unauthorized use loss or theft of your account card or Cardaccess code without your permission, you can lose no more than $50.00 if someone used your card or access code without permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your card or access code and we can prove that we could have stopped someone from accessing our account using your card or access code without your permission if you had told us, you could lose as much as $500. Your liability for unauthorized loan transactions through an EFT service is $50500.00. Also, if your statement shows EFT transfers that you did not makemake including those made by card, tell us at onceaccess code or other means, TELL US AT ONCE. If you do not tell us within sixty (60) 60 days after the statement was mailed to you, you may be liable for not get back any money lost after the following amounts 60 days if we can prove that we could have stopped someone from making the transfers if you had told us in time: (i) for unauthorized Visa Debit Card purchase transactions - up to the limits set forth above and (ii) for all other unauthorized ATM transactions - up to the full amount of the loss. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periods. If you believe your Card you card or PIN have access code has been lost or stolen or that someone has transferred or may transfer money from your account accounts without your permission, call: ▇▇▇-▇▇▇-▇▇▇▇ Or write to: Public Service Federal Credit Union ▇▇▇ ▇▇▇▇▇ ▇▇▇▇▇▇ Middlesex, NJ 08846 Fax: (▇▇▇) ▇▇▇-▇▇▇▇ You should also call the number or write: Alaska Air Group Credit Union ▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇, ▇▇▇ ▇▇▇ ▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇write to the address listed above if you believe a transfer has been made using the information from your check without your permission.

Member Liability. You are responsible for all transfers you authorize using your Card EFT services under this AgreementContract. If you permit other persons to use your an EFT service, Card or your PIN, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell us at once if you believe anyone has used your Account, Card or PIN or and accessed your accounts without your authority, 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. For Visa Debit or MasterCard Check Card purchase transactions, if you notify us of your lost or stolen card within twenty-four (24) hours of discovery and meet certain conditions, you may will not be liable for any losses. This zero liability will apply only if: (i) you can demonstrate losses provided that you exercised reasonable care were not grossly negligent or fraudulent in safekeeping handling your Card from risk of loss or theft; (ii) and you have not reported two or more incidents of provide us with a written statement regarding your unauthorized use to us within Card claim, otherwise the preceding 12 months; and (iii) your account is in good standing. If you notify us of your lost or stolen Card after twenty-four (24) hours of discovery or do not satisfy the conditions set forth above, your maximum liability for losses to your account may be up to $50. These following liability limits will apply, provided you did not receive a benefit or the unauthorized use of your Card was by someone without actual, implied, or apparent authority, otherwise the liability limits set forth below may apply. For all other EFT transactions, including ATM Card transactions except electronic check transactions, if you tell us within two (2) business days, you can lose no more than $50 if someone accessed your account without your permission. If you do not tell us within two (2) business days after you learn of the unauthorized use loss or theft of your access device, account or CardEFT service, and we can prove that we could have stopped someone from accessing our your account without your permission if you had told us, you could lose as much as $500. Your liability In no event will you be liable for more than $50 for unauthorized loan transactions through an EFT service is $50withdrawals from a line of credit account. Also, if your statement shows EFT transfers EFTs that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may be liable for not get back any money lost after the following amounts sixty (60) days if we can prove that we could have stopped someone from making the transfers if you had told us in time: (i) for unauthorized Visa Debit Card purchase transactions - up to the limits set forth above and (ii) for all other unauthorized ATM transactions - up to the full amount of the loss. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periods. If you believe that someone has used your Card or PIN have been lost or stolen or that someone has transferred or may transfer money from your account without your permissionpermission or you have lost your Card, call: (▇▇▇) -▇▇▇-▇▇▇▇ or toll-free at ▇▇▇-▇▇▇-▇▇▇▇ or write: Alaska Air Group First Service Credit Union Union, ▇▇▇▇ ▇. ▇▇▇ ▇▇▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇Parkway N., ▇▇▇ ▇▇▇ ▇▇▇▇▇▇Houston, ▇▇ ▇▇▇▇▇TX 77064.

Member Liability. You are responsible for all transfers you authorize using your Card EFT services under this Agreement. If you permit other persons to use your an EFT service, Card or your PIN, you are responsible for any transactions they authorize or conduct on any of your accountsac- counts. However, tell us at once if you believe anyone has used your Account, Card or PIN or and accessed your accounts without your authority, 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. For Visa Debit Check Card purchase transactions, if you notify us of your lost or stolen card within twenty-four (24) hours of discovery and meet certain conditions, you may will not be liable for any losses. This zero liability will apply only if: (i) you can demonstrate losses provided that you exercised reasonable care were not grossly negligent or fraudulent in safekeeping handling your Card from risk of loss or theft; (ii) and you have not reported two or more incidents of provide us with a written statement re- ▇▇▇▇▇▇▇ your unauthorized use to us within Card claim, otherwise the preceding 12 months; and (iii) your account is in good standing. If you notify us of your lost or stolen Card after twenty-four (24) hours of discovery or do not satisfy the conditions set forth above, your maximum liability for losses to your account may be up to $50. These following liability limits will apply, provided you did not receive a benefit or the unauthorized use of your Card was by someone without actual, implied, or apparent authority, otherwise the liability limits set forth below may applyap- ply. For all other EFT transactions, including ATM Card transactions except electronic check transactions, if you tell us within two (2) business days, you can lose no more than $50 if someone accessed your account without your permission. If you do not tell us within two (2) business days after you learn of the unauthorized use of your account or CardEFT service, and we can prove that we could have stopped someone from accessing our your account without with- out your permission if you had told us, you could lose as much as $500. Your liability In no event will you be liable for more than $50 for unauthorized loan transactions through an EFT service is $50withdrawals from a line of credit account. Also, if your statement shows EFT transfers EFTs that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may be liable for not get back any money lost after the following amounts sixty (60) days if we can prove that we could have stopped someone from making the transfers if you had told us in time: (i) for unauthorized Visa Debit Card purchase transactions - up to the limits set forth above and (ii) for all other unauthorized ATM transactions - up to the full amount of the loss. If a good reason rea- son (such as a hospital stay) kept you from telling us, we will extend the time periodsperi- ods. If you believe that someone has used your Card or PIN have been lost or stolen or that someone has transferred or may transfer money from your account without your permissionpermission or you have lost your Card, call: (▇▇▇) -▇▇▇-▇▇▇▇ or write: Alaska Air Group Credit Union ▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇write P.O. Box 978, ▇▇▇ ▇▇▇ ▇▇▇▇▇▇Frankfort, ▇▇ ▇▇▇▇▇Kentucky 40602-0978.

Member Liability. You For consumer accounts, you are responsible for all transfers you authorize using your Card EFT services under this Agreement. If you permit other persons to use your an EFT service, Card or your PIN, access code you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell Tell us at once if you believe anyone has used your PIN Account, Card or access code and accessed your accounts without your authority. Telephoning is the best way of keeping authority or if you believe that an electronic funds transfer has been made without your possible losses downpermission using information from your check. For Visa all EFT transactions except electronic check and Debit Card purchase transactionstransac- tions, if you notify tell us of your lost or stolen card within twenty-four (24) hours of discovery and meet certain conditions, you may not be liable for any losses. This zero liability will apply only if: (i) you can demonstrate that you exercised reasonable care in safekeeping your Card from risk of loss or theft; (ii) you have not reported two or more incidents of unauthorized use to us within the preceding 12 months; and (iii) your account is in good standing. If you notify us of your lost or stolen Card after twenty-four (24) hours of discovery or do not satisfy the conditions set forth above, your maximum liability for losses to your account may be up to $50. These liability limits will apply, provided you did not receive a benefit or the unauthorized use of your Card was by someone without actual, implied, or apparent authority, otherwise the liability limits set forth below may apply. For all other EFT transactions, including ATM Card transactions, if you tell us account within two (2) business days, you can lose no more than $50 if someone accessed your account without your permission. If you do not tell us within two (2) business days after you learn of the unauthorized use of your account or CardEFT service, and we can prove that we could have stopped someone from accessing our your account without your permission if you had told us, you could lose as much as $500. Your For Debit card transactions, if you notify us of the loss, theft, or unauthorized use of your Card or other devices which we supply to you, you will not be liable for any un- authorized use for purchases processed through VISA® (VISA zero liability) provided, you promptly notify us and you were not neg- ligent or fraudulent in handling your Card. You provide us with a written statement regarding your unauthorized Card claim, oth- erwise the liability for unauthorized loan transactions through an EFT service is $50limits set forth above will apply. Also, if your statement shows EFT transfers that you did not makemake including those made by Card, access code or other means, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may be liable for the following amounts if we can prove that we could have stopped someone from making the transfers if you had told us in time: (i) for unauthorized Visa Debit Card purchase transactions - up to the limits set forth above and (ii) for all other unauthorized ATM transactions - up to the full amount of the loss. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periods. If you believe your Card or PIN have been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call: (▇▇▇) ▇▇▇-▇▇▇▇ or write: Alaska Air Group Credit Union ▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇, ▇▇▇ ▇▇▇ ▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇.

Member Liability. You are responsible for all transfers you authorize using your Card under EFT services as explained in this Agreementdisclosure, which is part of the MSA. If you permit other persons to use your an EFT service, Card or your PIN, you are responsible for any transactions they authorize or conduct on any of your accountsthe accounts you have with us. However, tell us at once if you believe anyone has used your the account, Card or PIN or accessed your and ac- cessed the accounts with us without your authority, or if you believe an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. For Visa Debit Card purchase transactions, if you notify us of your lost or stolen card within twenty-four (24) hours of discovery and meet certain conditionscard, you may will not be liable for any losses. This zero liability will apply only if: (i) , provided you can demonstrate that were not negligent or fraud- ulent in handling the Card and you exercised reasonable care in safekeeping provide us with a written state- ment regarding your unauthorized Card from risk of loss or theft; (ii) you have not reported two or more incidents of unauthorized use to us within claim, otherwise the preceding 12 months; and (iii) your account is in good standing. If you notify us of your lost or stolen Card after twenty-four (24) hours of discovery or do not satisfy the conditions set forth above, your maximum liability for losses to your account may be up to $50. These fol- lowing liability limits will apply, provided you did not receive a benefit or the unauthorized use of your Card was by someone without actual, implied, or apparent authority, otherwise the liability limits set forth below may apply. For all other EFT transactions, including ATM Card transactionstransactions except Electronic Check Transactions, if you tell us within two (2) business days, you can lose no more than $50 if someone accessed your ac- cessed the account with us without your permission. If you do not tell us within two (2) business days after you learn of the unauthorized unauthor- ized use of your the account or CardEFT service, and we can prove that we could have stopped someone from accessing our the account without your permission if you had told us, you could lose as much as $500. Your liability In no event will you be liable for more than $50 for unauthorized loan transactions through an EFT service is $50withdrawals from a line of credit account. Also, if your statement shows EFT transfers EFTs that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement state- ment was mailed or accessible to you, you may be liable for not get back any money lost after the following amounts sixty (60) days if we can prove that we could have stopped someone from making the transfers if you had told us in time: (i) for unauthorized Visa Debit Card purchase transactions - up to the limits set forth above and (ii) for all other unauthorized ATM transactions - up to the full amount of the loss. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periods. If you believe your that some- one has used the Card or PIN have been lost or stolen or that someone has transferred or may transfer money from your account without your permissionpermission or you have lost your Card, call: (▇▇▇) -▇▇▇-▇▇▇▇ or write: Alaska Air Group Credit Union ▇toll free at 888-369-3708, ▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇, ▇▇▇ ▇▇▇ ▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇.

Member Liability. You are responsible liable for all transfers or purchases made via your card(s), access code(s)/PIN or passwords that you authorize using your Card under this Agreementor allow. If you permit other persons someone else to use an EFT service, your Card Card, access code/PIN, or your PINpassword, you are responsible for any transactions they authorize or conduct on any of your accounts, even if that person uses the card or code in a way that you did not anticipate or intend. HoweverIn order to maintain secure communications and reduce fraud, tell you agree to protect the security of your numbers, codes, marks, signs, passwords, or other means of identification. We reserve the right to block access to the services to maintain or restore security to Home Banking and our systems; if we reasonable believe your access codes have been or may be obtained or are being used or may be used by an unauthorized person(s). You will bear the liability or the risk of any error or loss of data, information, transactions or other losses which may be due to the failure of your computer system or third- party communications provider on which you may rely. Tell us at once if you believe anyone your Card or any of your access codes/PIN have been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission, or if you believe someone has used your Card or access code/PIN or otherwise accessed your accounts without your authority. Telephoning is the best way of keeping your possible losses down. For Visa Debit You could lose all the money in your account (plus your maximum overdraft line of credit). If a transaction was made with your Card purchase transactions, if you notify us of or Card number without your lost permission and was either a MASTERCARD Card or stolen a PIN-less debit card within twenty-four transaction over Mastercard Networks (24) hours of discovery and meet certain conditionsthe access codes associated with those cards), you may not be liable for any losses. This zero liability will apply only if: (i) you can demonstrate that you exercised reasonable care in safekeeping your Card from risk of loss or theft; (ii) you have not reported two or more incidents of unauthorized use to us within the preceding 12 months; and (iii) your account is in good standing. If you notify us of your lost or stolen Card after twenty-four (24) hours of discovery or do not satisfy the conditions set forth above, your maximum no liability for losses to your account may be up to $50. These liability limits will apply, provided you did not receive a benefit or the unauthorized use of your Card was by someone without actual, implied, or apparent authority, otherwise the liability limits set forth below may apply. For all other EFT transactions, including ATM Card transactions, if you tell us within two (2) business days, you can lose no more than $50 if someone accessed your account without your permission. If you do not tell us within two (2) business days after you learn of the unauthorized use of your account or Card, and transaction unless we can prove that we could have stopped someone from accessing our account without you were grossly negligent in the handling of your permission if card. If you had told uswrite your PIN on your Card or otherwise keep the PIN with the Card, you could lose as much as $500may be grossly negligent. Your liability for unauthorized loan transactions through an EFT service is $50You should always save your terminal receipts, keep a record of your transactions, and reconcile your receipts with your periodic statements. Also, if If your statement shows EFT transfers that you did not make, tell us at once. If you do not tell us within sixty (60) 60 days after the statement was mailed provided to you, you may be liable for not get back any money you lost after the following amounts 60 days if we can prove that we could have stopped someone from making the transfers if you had told us in time: (i) for unauthorized Visa Debit Card purchase transactions - up to the limits set forth above and (ii) for all other unauthorized ATM transactions - up to the full amount of the loss. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periods. If you believe your Card card or PIN have access code has been lost or stolen or that someone has transferred or may transfer money from your account without your permissionstolen, call: (▇▇▇) ▇▇▇-▇▇▇▇ during normal business hours or write: Alaska Air Group Credit Union ▇▇▇▇ ▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇Blvd Dallas, ▇▇▇ ▇▇▇ ▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇TX 75235 You should also call this number or write to this address if you believe a transfer has been made using the information from your check without your permission.

Member Liability. You are responsible for all transfers EFT transactions you authorize using your Card under this Agreementauthorize. If you permit other persons someone else to use an EFT service, your Card or your PINaccess code, you are responsible for any transactions they authorize or conduct on any of your accountsAccounts. HoweverIf you believe your ATM Card or VISA Debit Card has been lost or stolen or that someone has transferred or may transfer money from your Account without your permission, tell call us at once at: (▇▇▇) ▇▇▇-▇▇▇▇ or write us at: Alliance Credit Union ▇▇▇▇ ▇ ▇▇▇▇▇▇▇ ▇▇ ▇▇▇▇▇▇, MO 63026 Tell us AT ONCE if you believe anyone your ATM card or VISA Debit Card has been lost or stolen or if you believe someone has used your PIN Card or access code or otherwise accessed your accounts Accounts without your authority. Telephoning is the best way of keeping your possible losses down. For Visa You could lose all the money in your Account. If a transaction was made with your VISA Debit Card purchase transactionsor VISA Debit Card number without your permission, if and was either a VISA or Interlink transaction, you notify us will have no liability for the transaction, unless you were grossly negligent in the handling of your lost Account or stolen card within twenty-four (24) hours of discovery and meet certain conditions, you may not be liable for any losses. This zero liability will apply only if: (i) you can demonstrate that you exercised reasonable care in safekeeping your Card from risk of loss or theft; (ii) you have not reported two or more incidents of unauthorized use to us within the preceding 12 months; and (iii) your account is in good standing. If you notify us of your lost or stolen Card after twenty-four (24) hours of discovery or do not satisfy the conditions set forth above, your maximum liability for losses to your account may be up to $50. These liability limits will apply, provided you did not receive a benefit or the unauthorized use of your Card was by someone without actual, implied, or apparent authority, otherwise the liability limits set forth below may applycard. For all other EFT transactions, including ATM Card transactionstransactions or if you were grossly negligent in the handling of your Account or card, if your liability for an unauthorized transaction is determined as follows. If you tell us within two (2) business days, days you can lose no more than $50 if someone accessed used your account ATM card/PIN without your permission. If you do not DO NOT tell us within two (2) business days after you learn of the unauthorized use loss or theft of your account or Cardcard, and we can prove that we could have stopped someone from accessing our account using your card without your permission if you had told us, you could lose as much as $500. Your liability for unauthorized loan transactions through an EFT service is $50. Also, if your statement shows EFT transfers that you did not make, tell us at once. If you do not tell us within sixty (60) 60 days after the statement was has been mailed to you, you may be liable for not recover any money lost after the following amounts 60 days if we can prove that we could have stopped someone from making the transfers if you had told us in time: (i) for unauthorized Visa Debit Card purchase transactions - up to the limits set forth above and (ii) for all other unauthorized ATM transactions - up to the full amount of the loss. If a good reason extenuating circumstances (such as a hospital stay) kept you from telling contacting us, we will may, at our discretion, extend the a given time periods. If you believe your Card or PIN have been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call: (▇▇▇) ▇▇▇-▇▇▇▇ or write: Alaska Air Group Credit Union ▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇, ▇▇▇ ▇▇▇ ▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇frame.

Member Liability. You are responsible for all transfers transactions you authorize using your Card EFT services under this Agreement. If you permit other persons someone else to use an EFT service, your Card card or your PINaccess code, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell us at once TELL US AT ONCE if you believe anyone your card or access code has been lost or stolen, if you believe someone has used your PIN 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 permission using information from your check. Telephoning is the best way of keeping your possible losses down. For You could lose all the money in your account. If a transaction was made with your card or card number without your permission and was either a Visa Debit Card purchase transactionsor Interlink transaction, if you notify us will have no liability for the transaction, unless you were grossly negligent in the handling of your lost account or stolen card within twenty-four (24) hours of discovery and meet certain conditions, you may not be liable for any losses. This zero liability will apply only if: (i) you can demonstrate that you exercised reasonable care in safekeeping your Card from risk of loss or theft; (ii) you have not reported two or more incidents of unauthorized use to us within the preceding 12 months; and (iii) your account is in good standing. If you notify us of your lost or stolen Card after twenty-four (24) hours of discovery or do not satisfy the conditions set forth above, your maximum liability for losses to your account may be up to $50. These liability limits will apply, provided you did not receive a benefit or the unauthorized use of your Card was by someone without actual, implied, or apparent authority, otherwise the liability limits set forth below may applyaccess code. For all other EFT transactions, including ATM Card transactionstransactions or if you were grossly negligent in the handling of your account or card or access code, if your liability for an unauthorized transaction is determined as follows. If you tell us within two (2) business days, days you can lose no more than $50 50.00 if someone accessed used your account card or access code without your permission. If you do not NOT tell us within two (2) business days after you learn of the unauthorized use loss or theft of your account card or Card, access code and we can prove that we could have stopped someone from accessing our account using your card or access code without your permission if you had told us, you could lose as much as $500. Your liability for unauthorized loan transactions through an EFT service is $50500.00. Also, if your statement shows EFT transfers that you did not makemake including those made by card, tell us at onceaccess code or other means, TELL US AT ONCE. If you do not tell us within sixty (60) 60 days after the statement was mailed to you, you may be liable for not get back any money lost after the following amounts 60 days if we can prove that we could have stopped someone from making the transfers if you had told us in time: (i) for unauthorized Visa Debit Card purchase transactions - up to the limits set forth above and (ii) for all other unauthorized ATM transactions - up to the full amount of the loss. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periods. If you believe your Card card or PIN have access code has been lost or stolen or that someone has transferred or may transfer money from your account accounts without your permission, call: (▇▇▇) ▇▇▇-▇▇▇▇ or write: Alaska Air Group Credit Union ▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇, ▇▇▇ ▇▇▇ ▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇:

Member Liability. You are responsible for all transfers transactions you authorize using your Card EFT services under this Agreement. If you permit other persons someone else to use an EFT service, your Card card or your PINaccess code, you are responsible for any transactions transact ions they authorize or conduct on any of your accounts. However, tell us at once TELL US AT ONCE if you believe anyone your card and/or access code has been lost or stolen, if you believe someone has used your PIN card or access code or otherwise accessed your accounts without your authoritypermission, 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. For Visa Debit Card purchase transactions, if you notify us of You could lose all the money in your lost or stolen card within twentyaccount (plus your maximum overdraft line-four (24) hours of discovery and meet certain conditions, you may of-credit). You are not be liable for any losses. This zero liability will apply only if: (i) an unauthorized Mastercard debit card transaction if you can demonstrate that you have exercised reasonable care in safekeeping protecting your Card card or access code from risk of loss or theft and, upon discovering the loss or theft; (ii) , you have not reported two promptly report the loss or more incidents of unauthorized use theft to us within the preceding 12 months; and (iii) your account is in good standing. If you notify us of your lost or stolen Card after twenty-four (24) hours of discovery or do not satisfy the conditions set forth above, your maximum liability for losses to your account may be up to $50. These liability limits will apply, provided you did not receive a benefit or the unauthorized use of your Card was by someone without actual, implied, or apparent authority, otherwise the liability limits set forth below may applyus. For all other EFT transactionstransactions involving access devices, including ATM Card transactions, if you tell us within two (2) business days, you can lose no more than $50 if someone accessed your account without your permissionliability for unauthorized transactions is determined as follows. If you do not tell us within two (2) business days after you learn of the unauthorized use loss or theft of your account card or Cardaccess code, you can lose no more than $50.00 if someone used your card or access code without your permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your card or access code and we can prove that we could have stopped someone from accessing our account using your card or access code without your permission if you had told us, you could lose as much as $500. Your liability for unauthorized loan transactions through an EFT service is $50500.00. Also, if your statement shows EFT transfers that you did not makemake including those made by card, tell us at onceaccess code or other means, TELL US AT ONCE. If you do not tell us within sixty (60) 60 days after the statement was mailed to you, you may be liable for not get back any money lost after the following amounts 60 days if we can prove that we could have stopped someone from making the transfers if you had told us in time: (i) for unauthorized Visa Debit Card purchase transactions - up to the limits set forth above and (ii) for all other unauthorized ATM transactions - up to the full amount of the loss. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periods. If you believe your Card card or PIN have access code has been lost or stolen or that someone has transferred or may transfer money from your account accounts without your permission, call: (▇▇▇) ▇▇▇-▇▇▇▇ (▇▇▇) ▇▇▇-▇▇▇▇ (▇▇▇) ▇▇▇-▇▇▇▇ (lost/stolen) or writewrite to: Alaska Air Group Honolulu Fire Department Federal Credit Union ▇▇▇▇▇ ▇▇▇▇▇▇▇. ▇▇▇▇▇▇ ▇▇▇▇ ▇, . ▇▇▇ ▇▇▇ ▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇-▇▇▇▇ Fax: (▇▇▇) ▇▇▇-▇▇▇▇ 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 without your permission.

Member Liability. You are responsible for all transfers you authorize using your Card EFT services under this Agreement. If you permit other persons to use your an EFT service, Card or your PIN, you are responsible for any transactions transac- tions they authorize or conduct on any of your accounts. HoweverHowev- er, tell us at once if you believe anyone has used your Account, Card or PIN or and accessed your accounts without your authority, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning Tele- phoning is the best way of keeping your possible losses down. For Visa Debit Check Card purchase transactions, if you notify us of your lost or stolen card within twenty-four (24) hours of discovery and meet certain conditions, you may will not be liable for any losses. This zero liability will apply only if: (i) you can demonstrate losses pro- vided that you exercised reasonable care were not grossly negligent or fraudulent in safekeeping handling your Card from risk of loss or theft; (ii) and you have not reported two or more incidents of provide us with a written statement regarding your unauthorized use to us within the preceding 12 months; and (iii) your account is in good standing. If you notify us of your lost or stolen Card after twenty-four (24) hours of discovery or do not satisfy the conditions set forth above, your maximum liability for losses to your account may be up to $50. These liability limits will apply, provided you did not receive a benefit or the unauthorized use of your Card was by someone without actual, implied, or apparent authorityclaim, otherwise the following liability limits set forth below may lim- its will apply. For all other EFT transactions, including ATM Card transactions except electronic check transactions, if you tell us within two (2) business days, you can lose no more than $50 if someone accessed your account without your permission. If you do not tell us within two (2) business busi- ness days after you learn of the unauthorized use of your account or CardEFT service, and we can prove that we could have stopped someone from accessing our your account without your permission if you had told us, you could lose as much as $500. Your liability In no event will you be liable for more than $50 for unauthorized loan transactions through an EFT service is $50withdrawals from a line of credit account. Also, if your statement shows EFT transfers EFTs that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement state- ment was mailed to you, you may be liable for not get back any money lost after the following amounts sixty (60) days if we can prove that we could have stopped someone from making the transfers if you had told us in time: (i) for unauthorized Visa Debit Card purchase transactions - up to the limits set forth above and (ii) for all other unauthorized ATM transactions - up to the full amount of the loss. If a good reason (such as a hospital stay) kept you from telling tell- ing us, we will extend the time periods. If you believe that some- one has used your Card or PIN have been lost or stolen or that someone has transferred or may transfer money from your account without your permissionpermission or you have lost your Card, call: (▇▇▇) ▇▇▇-▇▇▇▇ or write: Alaska Air Group Credit Union ▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇, ▇▇▇ ▇▇▇ ▇▇-▇▇▇▇, ▇▇ ▇▇▇▇▇or write: Redbrand Cre- dit Union P.O. Box 4128, Bartonville, IL 61607.

Member Liability. ‌ You are responsible for all transfers you authorize using your Card under EFT services as explained in this Agreementdisclosure, which is part of the MSA. If you permit other persons to use your an EFT service, Card or your PIN, you are responsible for any transactions they authorize or conduct on any of your accountsthe accounts you have with us. However, tell us at once if you believe anyone has used your the account, Card or PIN or accessed your and ac- cessed the accounts with us without your authority, or if you believe an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. For Visa Debit Credit Card purchase transactions, if you notify us of your lost or stolen card within twenty-four (24) hours of discovery and meet certain conditionscard, you may will not be liable for any losses. This zero liability will apply only if: (i) , provided you can demonstrate that were not negligent or fraudulent in handling the Card and you exercised reasonable care in safekeeping provide us with a written statement regarding your unauthorized Card from risk of loss or theft; (ii) you have not reported two or more incidents of unauthorized use to us within claim, otherwise the preceding 12 months; and (iii) your account is in good standing. If you notify us of your lost or stolen Card after twenty-four (24) hours of discovery or do not satisfy the conditions set forth above, your maximum liability for losses to your account may be up to $50. These following liability limits will apply, provided you did not receive a benefit or the unauthorized use of your Card was by someone without actual, implied, or apparent authority, otherwise the liability limits set forth below may apply. For all other EFT transactions, including ATM Card transactionstransactions except Electronic Check Transactions, if you tell us within two (2) business days, you can lose no more than $50 if someone accessed your ac- cessed the account with us without your permission. If you do not tell us within two (2) business days after you learn of the unauthorized unauthor- ized use of your the account or CardEFT service, and we can prove that we could have stopped someone from accessing our the account without your permission if you had told us, you could lose as much as $500. Your liability In no event will you be liable for unauthorized loan transactions through an EFT service is more than $5050 for unauthor- ized withdrawals from a line of credit account. Also, if your statement shows EFT transfers EFTs that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement state- ment was mailed or accessible to you, you may be liable for not get back any money lost after the following amounts sixty (60) days if we can prove that we could have stopped someone from making the transfers if you had told us in time: (i) for unauthorized Visa Debit Card purchase transactions - up to the limits set forth above and (ii) for all other unauthorized ATM transactions - up to the full amount of the loss. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periods. If you believe your that someone has used the Card or PIN have been lost or stolen or that someone has transferred or may transfer money from your account without your permissionpermission or you have lost your Card, call: (▇▇▇) -▇▇▇-▇▇▇▇ or toll-free at 877- 550-3244, or write: Alaska Air Group Responders Emergency Services Credit Union ▇▇Un- ion, ▇▇▇ ▇. ▇▇▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇, ▇▇▇ ▇▇▇ ▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇.

Member Liability. You are responsible for all transfers you authorize using your Card EFT services under this Agreement. If you permit other persons to use your Card an EFT service, card, PIN or your PINpassword, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell Inform us at once immediately if you believe anyone has used your PIN account, card, PIN, or password and accessed your accounts without your authority, or if you believe an EFT has been made without your permission using information from your checks. Telephoning is the best way of keeping your possible losses down. For Visa Debit Card debit card purchase transactions, if you notify us of your lost or stolen card within twenty-four (24) hours of discovery and meet certain conditionscard, you may not be liable for any losses. This zero liability will apply only if: (i) you can demonstrate that you exercised reasonable care in safekeeping your Card from risk of loss or theft; (ii) you have not reported two or more incidents of unauthorized use to us within the preceding 12 months; and (iii) your account is in good standing. If you notify us of your lost or stolen Card after twenty-four (24) hours of discovery or do not satisfy the conditions set forth above, your maximum liability for losses to your account may be up to $50. These liability limits will apply, provided you did were not receive grossly negligent or fraudulent in handling your card and you provide us with a benefit or written statement regarding your unauthorized debit card claim. Otherwise, the unauthorized use of your Card was by someone without actual, implied, or apparent authority, otherwise the following liability limits set forth below may apply. For all other EFT transactions, including ATM Card transactions except electronic check transactions, if you tell us within two (2) business days, you can lose no more than $50 if someone accessed your account without your permission. If you do not tell us within two (2) business days after you learn of the unauthorized use of your account or CardEFT service, and we can prove that we could have stopped someone from accessing our your account without your permission if you had told informed us, you could lose as much as $500. Your liability for unauthorized loan line- of-credit transactions through an EFT service is $50. AlsoAdditionally, if your statement shows EFT transfers that you did not makeauthorize, tell including those made by debit card, PIN, access code, or other means, inform us at once. If you do not tell inform us within sixty (60) days after the statement was mailed or made available to you, you may be liable for up to the following amounts full amount of the loss if we can prove that we could have stopped someone from making the transfers if you had told us in time: (i) for unauthorized Visa Debit Card purchase transactions - up to the limits set forth above and (ii) for all other unauthorized ATM transactions - up to the full amount of the lossinformed us. If a good legitimate reason (such as a hospital stay) kept you from telling informing us, we will extend the these time periods. If you believe your Card or PIN have card has been lost or stolen or that please call us ▇▇▇-▇▇▇-▇▇▇▇, if it is after hours call the lost/ stolen Visa hotline at ▇-▇▇▇-▇▇▇-▇▇▇▇. If you believe someone has transferred or may transfer money from your account without your permission, call: (please call ▇▇▇) - ▇▇▇-▇▇▇▇ or write: Alaska Air Group Credit Union toll-free at ▇-▇▇▇-▇▇▇-▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇or write to: Jordan Credit Union, ▇▇▇ ▇▇▇ ▇▇▇▇▇▇P.O. Box 1888, ▇▇ ▇▇▇▇▇Sandy, UT 84091-

Member Liability. You are responsible for all transfers you authorize using your Card under this AgreementMasterCard debit card. If you permit other persons someone else to use your Card or your PINaccess code, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell us at once TELL US AT ONCE if you believe anyone your Card and/or access code has been lost or stolen, or if you believe someone has used your PIN Card or access code or otherwise accessed your accounts without your authoritypermission. Telephoning is the best way of keeping your possible losses down. For Visa Debit Card purchase transactions, if you notify us You could lose all the money in your account (plus your maximum overdraft line of your lost or stolen card within twenty-four (24) hours of discovery and meet certain conditions, you may credit). You are not be liable for any losses. This zero liability will apply only if: (i) an unauthorized MasterCard debit card transaction that was not conducted at an ATM if you can demonstrate that you have exercised reasonable care in safekeeping protecting your Card from risk of loss or theft; (ii) , you have not reported two (2) or more incidents of unauthorized use to us within in the preceding 12 past twelve (12) months; , and (iii) your account is in good standing. If you notify us of Otherwise your lost or stolen Card after twenty-four (24) hours of discovery or do not satisfy the conditions set forth above, your maximum liability for losses to your account may an unauthorized MasterCard debit card transaction that was not conducted at an ATM will be up to no more than $50. These If an unauthorized transaction is conducted at an ATM, your liability limits will apply, provided you did not receive a benefit or the for unauthorized use of your Card was by someone without actual, implied, or apparent authority, otherwise the liability limits set forth below may apply. For all other EFT transactions, including ATM Card transactions, if transactions is determined as follows: If you tell us within two (2) business days, you can lose no more than $50 if someone accessed used your account card or code without your permission. If you do not NOT tell us within two (2) business days after you learn of the unauthorized use loss or theft of your account card or Cardcode, and we can prove that we could have stopped someone from accessing our account using your card or code without your permission if you had told us, you could lose as much as $500. Your liability for unauthorized loan transactions through an EFT service is $50500.00. Also, if your statement shows EFT transfers that you did not make, make tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may be liable for not get back any money lost after the following amounts sixty (60) days if we can prove that we could have stopped someone from making the transfers if you had told us in time: (i) for unauthorized Visa Debit Card purchase transactions - up to the limits set forth above and (ii) for all other unauthorized ATM transactions - up to the full amount of the loss. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periods. If you believe your Card or PIN have has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call: (▇▇▇) ▇▇▇-▇▇▇▇ or writeFax: Alaska Air Group Credit Union (▇▇▇) ▇▇▇-▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇or write to: Parma, ▇▇▇ ▇▇▇ ▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇OH 44134

Member Liability. You are responsible for all transfers you authorize using your Card under this Agreement. If you permit other persons to use your Card or your PIN, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell Tell us at once if you believe anyone your Exchange card, VISA debit card, VISA credit card or PIN assigned to you has used your PIN been lost or accessed your accounts without your authoritystolen. Telephoning is the best way of keeping to limit your possible losses down. For Visa Debit Card purchase transactions, if you notify us of your lost or stolen card within twenty-four (24) hours of discovery and meet certain conditions, you may not be liable for any losses. This zero liability will apply only if: (i) you can demonstrate that you exercised reasonable care in safekeeping your Card from risk of loss or theft; (ii) you have not reported two or more incidents of unauthorized use to us within the preceding 12 months; and (iii) your account is in good standing. If you notify us of your lost or stolen Card after twenty-four (24) hours of discovery or do not satisfy the conditions set forth above, your maximum liability for losses to your account may be up to $50. These liability limits will apply, provided you did not receive a benefit or the unauthorized use of your Card was by someone without actual, implied, or apparent authority, otherwise the liability limits set forth below may apply. For all other EFT transactions, including ATM Card transactions, if you tell us within two (2) business days, you can lose no more than $50 if someone accessed uses your account card without your permission. If you do not tell us within two (2) business days after you learn of the unauthorized use loss or theft of your account or Cardcard, and we can prove that we could have stopped someone from accessing our account using your card without your permission if you had told us, you could lose as much as $500. Your liability for unauthorized loan transactions through an EFT service is $50. Also, if your statement shows EFT transfers transactions that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may be liable for not get back any money lost after the following amounts sixty (60) days if we can prove that we could have stopped someone from making the transfers if you had told us in time: (i) for unauthorized Visa Debit Card purchase transactions - up to the limits set forth above and (ii) for all other unauthorized ATM transactions - up to the full amount of the loss. If a good reason (such as a hospital stay) there are extenuating circumstances that kept you from telling us, we will may extend the time periods. Harborstone Credit Union enables non-VISA debit transaction processing and does not require that all such transactions be authenticated by a PIN. A non-VISA debit transaction may occur on your Harborstone VISA debit card through the Accel/ EXCHANGE Network. Below are examples to distinguish between a VISA debit and a non-VISA debit transaction: To initiate a VISA debit transaction at the point of sale, the cardholder signs a receipt, provides a card number (e.g., in e-commerce or mail/telephone order environments), or swipes the card through a point-of- sale terminal. To initiate a non-VISA debit transaction, the cardholder enters a PIN at the point-of-sale terminal or, for certain ▇▇▇▇-payment transactions, provides the account number for an e-commerce or mail/telephone order transaction after clearly indicating a preference to route it as a non-VISA transaction. A non-VISA debit transaction will not provide the zero-liability protection benefit, and if a Rewards program is present, a non-VISA debit transaction may not be an eligible Rewards transaction. Provisions of the cardholder agreement relating only to VISA trans- actions are inapplicable to non-VISA transactions. If you believe your Card or PIN have card(s) has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, callcall member service at: (▇▇▇) ▇▇▇-▇▇▇▇ or writetoll-free at 1-800-523-3641. Or write to us at: Alaska Air Group ATTN: Member Service, Harborstone Credit Union Union, ▇▇▇ ▇▇▇ ▇▇▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇, ▇▇▇ ▇▇▇ ▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇-▇▇▇▇. We may require you to send a completed claim form, supplied by the credit union, within ten (10) business days.

Member Liability. You are responsible for all transfers EFT transactions you authorize using your Card under this Agreementauthorize. If you permit other persons someone else to use an EFT service, your Card or your PINaccess code, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell Tell us at once AT ONCE if you believe anyone your card has used been lost or stolen or if you believe someone has your PIN Card or access code or otherwise accessed your accounts without your authority. Telephoning is the best way of keeping your possible losses down. For Visa Debit You could lose all the money in your account (plus your maximum overdraft line of credit). If a transaction was made with your Card purchase transactionsor Card number without your permission, if and was either a VISA or Interlink transaction, you notify us will have no liability for the transaction, unless you were grossly negligent in the handling of your lost account or stolen card within twenty-four (24) hours of discovery and meet certain conditions, you may not be liable for any losses. This zero liability will apply only if: (i) you can demonstrate that you exercised reasonable care in safekeeping your Card from risk of loss or theft; (ii) you have not reported two or more incidents of unauthorized use to us within the preceding 12 months; and (iii) your account is in good standing. If you notify us of your lost or stolen Card after twenty-four (24) hours of discovery or do not satisfy the conditions set forth above, your maximum liability for losses to your account may be up to $50. These liability limits will apply, provided you did not receive a benefit or the unauthorized use of your Card was by someone without actual, implied, or apparent authority, otherwise the liability limits set forth below may applycard. For all other EFT transactions, including ATM Card transactionstransaction or if you were grossly negligent in the handing of our account or card, if your liability for an unauthorized transaction is determined as follows. If you tell us within two (2) business days, days you can lose no more than $50 50.00 if someone accessed used your account Card without your permission. If you do not NOT tell us within two (2) business days after you learn of the unauthorized use loss or theft of your account or our Card, and we can prove that we could have stopped someone from accessing our account using your Card without your permission if you had told us, you could lose as much as $500. Your liability for unauthorized loan transactions through an EFT service is $50500.00. Also, if your statement shows EFT transfers that you did not make, tell us at once. If you do not tell us within sixty (60sixty(60) days after the statement was mailed to you, you may be liable for not get back any money lost after the following amounts (60) days if we can prove that we could have stopped someone from making the transfers if you had told us in time: (i) for unauthorized Visa Debit Card purchase transactions - up to the limits set forth above and (ii) for all other unauthorized ATM transactions - up to the full amount of the loss. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periods. If you believe your Card or PIN have has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, ; call: (▇▇▇) ▇▇▇-▇▇▇▇ fax: (▇▇▇) ▇▇▇-▇▇▇▇ or writewrite to: Alaska Air Group Local 41 IBEW Federal Credit Union ▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇Orchard Park, ▇▇▇ ▇▇▇ ▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇NY 14127

Member Liability. You are responsible for all transfers you authorize using your Card EFT services under this Agreement. If you permit other persons to use your an EFT service, Card or your PINaccess code, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell us at once if you believe anyone has used your PIN Account, Card or access code and accessed your accounts without your authorityauthority or if you believe that an electronic funds transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. For Visa Debit Card purchase transactions, if you notify us of your lost or stolen card within twenty-four (24) hours of discovery and meet certain conditionscard, you may not be liable for any losses. This zero liability will apply only if: (i) losses and you can demonstrate that you exercised reasonable care in safekeeping provide us with a written statement regarding your unauthorized Card from risk of loss or theft; (ii) you have not reported two or more incidents of unauthorized use to us within claim, otherwise the preceding 12 months; and (iii) your account is in good standing. If you notify us of your lost or stolen Card after twenty-four (24) hours of discovery or do not satisfy the conditions set forth above, your maximum liability for losses to your account may be up to $50. These following liability limits will apply, provided you did not receive a benefit or the unauthorized use of your Card was by someone without actual, implied, or apparent authority, otherwise the liability limits set forth below may apply. For all other EFT transactions, including ATM Card transactions except electronic check transactions, if you tell us within two (2) business days, you can lose no more than $50 if someone accessed your account without your permission. If you do not tell us within two (2) business days after you learn of the unauthorized use of your account or CardEFT service, and we can prove that we could have stopped someone from accessing our your account without your permission if you had told us, you could lose as much as $500. Your liability for unauthorized loan transactions through an EFT service is $50. Also, if your statement shows EFT transfers that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed or made available to you, you may be liable for not get back any money lost after the following amounts 60 days if we can prove that we could have stopped someone from making the transfers if you had told us in time: (i) for unauthorized Visa Debit Card purchase transactions - up to the limits set forth above and (ii) for all other unauthorized ATM transactions - up to the full amount of the loss. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periods. If you believe that someone has used your Card or PIN access code without your permission or you have lost your card, call: You should also call the number or write to the address listed above if you believe a transfer has been lost or stolen or that someone has transferred or may transfer money made using the information from your account check without your permission, call: (▇▇▇) ▇▇▇-▇▇▇▇ or write: Alaska Air Group Credit Union ▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇, ▇▇▇ ▇▇▇ ▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇.

Member Liability. You are responsible for all transfers you authorize using your Card EFT services under this Agreement. If you permit other persons to use your Card an EFT service, Card, or your PINaccess code, you are responsible for any transactions they authorize or conduct on any of your accounts. HoweverFor EFT transactions on a consumer deposit account, tell under this Agreement, you are responsible for all transactions you authorize using any electronic services. For consumer Accounts, transactions by family members or friends that you allow on your Account are authorized by you. If you permit other persons to use your access code, you are responsible for any transactions they authorize or conduct on any of your accounts. Notify us at once if you believe anyone has used your PIN Account, Card or access code and accessed your accounts without your authorityauthority or if you believe that an electronic funds transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. For Visa Debit Card purchase transactions, if you notify us of your lost or stolen card within twenty-four (24) hours of discovery and meet certain conditionscard, you may not be liable for any losses. This zero liability will apply only if: (i) you can demonstrate that you exercised reasonable care in safekeeping your Card from risk of loss or theft; (ii) you have not reported two or more incidents of unauthorized use to us within the preceding 12 months; and (iii) your account is in good standing. If you notify us of your lost or stolen Card after twenty-four (24) hours of discovery or do not satisfy the conditions set forth above, your maximum liability for losses to your account may be up to $50. These liability limits will apply, provided you did promptly notify us and were not receive fraudulent in handling your Debit Card and you provide us with a benefit or the statement regarding your unauthorized use of your Debit Card was by someone without actual, implied, or apparent authorityclaim, otherwise the following liability limits set forth below may apply. For all other EFT transactions, including ATM Card transactions except electronic check transactions, if you tell notify us within two (2) business daysdays after you learn of the loss or theft of your card or code, you can lose no more than $50 if someone accessed your account without your permission. If you do not tell us within two (2) business days after you learn of the unauthorized use loss or theft of your account card or Cardcode, and we can prove that we could have stopped someone from accessing our your account without your permission if you had told us, you could lose as much as $500. Your liability for unauthorized loan line of credit transactions through an EFT service is $50. Also, if your statement shows EFT transfers that you did not makemake including made by debit card, tell access code or other means, notify us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may be liable for not get back any money you lost after the following amounts 60 days if we can prove that we could have stopped someone from making taking the transfers money if you had told us in time: (i) for unauthorized Visa Debit Card purchase transactions - up to the limits set forth above and (ii) for all other unauthorized ATM transactions - up to the full amount of the loss. .If a good reason (such as e.g., a long trip or a hospital stay) kept you from telling us, we will extend the time periods. Contact us in the event of an unauthorized transfer: If you believe your Card or PIN have has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call: (▇▇▇) ▇▇▇-▇▇▇▇ or write: Alaska Air Group write Northwest Community Credit Union Union, ▇.▇. ▇▇▇ ▇▇▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇, ▇▇▇ ▇▇▇ ▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇. You should also call the number or write to the address listed above if you believe a transfer has been made using information from your check without your permission.

Member Liability. You are responsible for all transfers you authorize using your Card EFT services under this Agreement. If you permit other persons to use your Card an EFT service, card, or your PIN/access code, you are responsible for any transactions they authorize or conduct on any of your accounts. You understand and agree that your authorization or permission to any other person to use any access device or PIN or to make transactions on your account constitutes your authorization for such person to conduct any transaction without limitation. You remain fully liable for all transactions made by persons whom you have provided your access device or PIN to make transactions on your account, until you notify us in writing of your revocation or express limitation of the scope of such use. However, tell us at once if you believe anyone has used your PIN Account, card, or PIN/access code and accessed your accounts without your authorityauthority or if you believe that an electronic funds transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. For Liability for Visa Debit Card purchase transactions, if you notify us of your lost or stolen card within twenty-four (24) hours of discovery and meet certain conditions, you may not be liable for any losses. This zero liability will apply only if: (i) you can demonstrate that you exercised reasonable care in safekeeping your Card from risk of loss or theft; (ii) you have not reported two or more incidents of unauthorized use to us within the preceding 12 months; and (iii) your account transactions is in good standing. If you notify us of your lost or stolen Card after twenty-four (24) hours of discovery or do not satisfy the conditions set forth above, your maximum liability for losses to your account may be up to $50. These liability limits will apply, provided you did not receive a benefit or the unauthorized use of your Card was by someone without actual, implied, or apparent authority, otherwise the liability limits set forth below may apply.00. For all other EFT transactions, including ATM Card transactions except electronic check transactions, if you tell us within two (2) business days, you can lose no more than $50 if someone accessed your account without your permission. If you do not tell us within two (2) business days after you learn of the unauthorized use of your account or CardEFT service, and we can prove that we could have stopped someone from accessing our your account without your permission if you had told us, you could lose as much as $500. Your liability for unauthorized loan transactions through an EFT service is $50. Also, if your statement shows EFT transfers that you did not make, including made by Card, PIN/access code or other means, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed or otherwise made available to you, you may be liable for the following amounts full amount of the loss if we can prove that we could have stopped someone from making the transfers if you had told us in time: (i) for unauthorized Visa Debit Card purchase transactions - up to the limits set forth above and (ii) for all other unauthorized ATM transactions - up to the full amount of the loss. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periods. If you believe your Card or PIN have card has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call: (▇▇▇) ▇▇▇-▇▇▇▇ or writeCounty: Alaska Air Group Credit Union 627-0900 ▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇: ▇▇▇-▇▇▇▇ ▇▇▇▇ ▇, ▇▇▇▇▇: 223-3900 Outside these counties: ▇-▇▇▇-▇▇▇-▇▇▇▇ Or write to: America First Federal Credit Union ▇.▇. ▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇-▇▇▇▇

Member Liability. You are responsible for all transfers you authorize using your Card EFT services under this Agreementagreement. If you permit other persons someone else to use an EFT service, your Card card or your PINPIN access code, you are responsible for any transactions they authorize or conduct on any of your accounts. HoweverHowev- er, tell us at once if you believe anyone has used your account; card or PIN or accessed access code and ac- cessed your accounts without your authoritypermission. Telephoning is the best way of keeping your possible losses down. For Visa Debit Card debit card purchase transactions, if you notify us of your lost or stolen card within twenty-four two (242) hours business days of discovery and meet certain conditionsdiscovery, you may not be liable for any losses. This zero liability will apply only if: (i) you can demonstrate that you exercised reasonable care in safekeeping your Card from risk of loss or theft; (ii) you have not reported two or more incidents of unauthorized use to us within the preceding 12 months; and (iii) your account is in good standing. If you notify us of your lost or stolen Card card after twenty-four two (242) hours business days of discovery or do not satisfy the conditions set forth aboveyour discovery, your maximum liability for losses to your account may be up to $50. These liability limits will apply, provided you did are not receive grossly negligent or fraudulent in handling your debit card and you provide us with a benefit or the written statement regarding your unauthorized use of your Card was by someone without actual, implied, or apparent authoritydebit card claim, otherwise the liability limits set forth below may apply. For apply for all other EFT transactions, including ATM Card transactions, if you tell us within two (2) business days, you can lose no more than $50 if someone accessed your account without your permission. If you do not tell us within two (2) business days after you learn of the unauthorized use of your account or Card, EFT service and we can prove that we could have stopped someone from accessing our your account without your permission if you had told us, you could lose as much as $500. Your liability for unauthorized loan transactions through an EFT service is $50. Also, if your statement shows EFT transfers that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may be liable for the following amounts if we can prove that we could have stopped someone from making the transfers if you had told us in time: (i) for unauthorized Visa Debit Card debit card purchase transactions - up to the limits set forth above above, and (ii) for all other unauthorized ATM EFT transactions - up to the full amount of the loss. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periodsperiod. If Tell us at once if you believe your Card or card and/or PIN have has been lost or stolen or if you believe that someone an electronic funds transfer has transferred or may transfer money been made without your permission using information from your account without your permissioncheck, callby immediately calling 813.800.TRAX or 800.769.1424 during business hours, (▇▇▇) ▇▇▇-▇▇▇▇ after hours or write to the following address: Trax CU ▇▇▇▇ ▇ ▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇, ▇▇ ▇▇▇▇▇ Fax: (▇▇▇) ▇▇▇-▇▇▇▇ or write: Alaska Air Group Credit Union ▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇5. Business Days. Our business days are Monday through Friday, ▇▇▇ ▇▇▇ ▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇excluding holidays.

Member Liability. You are responsible for all transfers you authorize using your Card EFT services under this Agreement. If you permit other persons to use your Card an EFT service, card or your PIN, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell us at once if you believe anyone has used your account, card or PIN or and accessed your accounts without your authority. Telephoning is the best way of keeping your possible losses down. For Visa Debit Card debit card purchase transactions, if you notify us of your lost or stolen card within twenty-four two (242) hours business days of discovery and meet certain conditionsdiscovery, you may not be liable for any losses. This zero liability will apply only if: (i) you can demonstrate that you exercised reasonable care in safekeeping your Card from risk of loss or theft; (ii) you have not reported two or more incidents of unauthorized use to us within the preceding 12 months; and (iii) your account is in good standing. If you notify us of your lost or stolen Card card after twenty-four two (242) hours business days of discovery or do not satisfy the conditions set forth aboveyour discovery, your maximum liability for losses to your account may be up to $5050.00. These liability limits will apply, provided you did were not receive fraudulent in handling your debit card and you provide us with a benefit or the written statement regarding your unauthorized use of your Card was by someone without actual, implied, or apparent authoritydebit card claim, otherwise the liability limits set forth below may apply. For apply for all other EFT transactions, including your ATM Card transactions, if card. If you tell notify us within two (2) business daysdays of discovery of your loss or theft, you can lose no more than $50 50.00 if someone accessed used your account card and/or PIN without your permission, provided you were not fraudulent in handling your ATM card or account. If you do not tell us within two (2) business days after you learn of the unauthorized use of your account or Card, EFT service and we can prove that we could have stopped someone from accessing our your account without your permission if you had told us, you could lose as much as $500. Your liability for unauthorized loan transactions through an EFT service is $50500.00. Also, if your statement shows EFT transfers that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may be liable for the following amounts if we can prove that we could have stopped someone from making the transfers if you had told us in time: (i) for unauthorized Visa Debit Card debit card purchase transactions - up to the limits set forth above above, and (ii) for all other unauthorized ATM EFT transactions - up to the full amount of the loss. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periodsperiod. If Tell us at once if you believe your Card or card and/or PIN have has been lost or stolen or if you believe that someone an electronic funds transfer has transferred or may transfer money been made without your permission using information from your account without your permissioncheck, call: (by immediately calling ▇▇▇) .▇▇▇-.▇▇▇▇ during business hours, 866.861.5416 after hours or writewrite to the following address: Alaska Air Group Credit Union ▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇WSECU PO BOX WSECU OLYMPIA, ▇▇▇ ▇▇▇ ▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇WA 98507 5. Business Days. Our business days are Monday through Friday; holidays are not included.

Member Liability. You are responsible for all transfers transactions you authorize using your Card EFT services under this Agreement. If you permit other persons someone else to use an EFT service, your Card or your PINaccess code, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell us at once TELL US AT ONCE if you believe anyone your card and/or any access code has been lost or stolen or if you believe someone has used your PIN card or access code or otherwise accessed your accounts without your authoritypermission, or 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. For Visa Debit Card purchase transactions, if you notify us of You could lose all the money in your lost or stolen card within twenty-four (24) hours of discovery and meet certain conditions, you may account. You are not be liable for any losses. This zero liability will apply only if: (i) an unauthorized MasterCard debit card transaction that was conducted at an ATM if you can demonstrate that you have exercised reasonable care in safekeeping protecting your Card card or access code from risk of loss or theft; (ii) , if you have not reported two (2) or more incidents of unauthorized use to us within in the preceding past 12 months; and (iii) , if your account is in good standing. If you notify us of your lost or stolen Card after twenty-four (24) hours of discovery or do not satisfy the conditions set forth aboveOtherwise, your maximum liability for losses to your account may an unauthorized MasterCard debit card transaction that is not conducted at an ATM will be up to no more than $50. These liability limits will apply, provided you did not receive a benefit or the unauthorized use of your Card was by someone without actual, implied, or apparent authority, otherwise the liability limits set forth below may apply50.00. For all other EFT transactionstransactions involving access devices, including ATM Card transactionstransactions conducted at ATMs, if you tell us within two (2) business days, you can lose no more than $50 if someone accessed your account without your permissionliability for unauthorized transactions are determined as follows. . If you do not tell us within two (2) business days after you learn of the unauthorized use loss or theft of your account card or Cardaccess code, you can lose no more than $50.00 if someone used your card or access code without your permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your card or access codes and we can prove that we could have stopped someone from accessing our account using your card or access code without your permission permission, if you had told us, you could lose as much as $500. Your liability for unauthorized loan transactions through an EFT service is $50500.00. Also, if your statement shows EFT transfers that you did not makemake including those made by card, tell us at onceaccess code, or other means, TELL US AT ONCE. If you do not tell us in within sixty (60) 60 days after the statement was mailed to you, you may be liable for not get back any money lost after the following amounts 60 days if we can prove that we could have stopped someone from making the transfers if you had told us in time: (i) for unauthorized Visa Debit Card purchase transactions - up to the limits set forth above and (ii) for all other unauthorized ATM transactions - up to the full amount of the loss. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periods. If you believe your Card card or PIN have access code has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call: During business hours: (▇▇▇) ▇▇▇-▇▇▇▇ or write(▇▇▇) ▇▇▇-▇▇▇▇ After business hours: Alaska Air Group (▇▇▇) ▇▇▇-▇▇▇▇ Or write to CommStar Credit Union ▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇▇▇, ▇▇▇ ▇▇▇▇, ▇▇▇▇ ▇▇▇▇▇▇, ▇▇ . Fax: (▇▇▇) ▇▇▇-▇▇▇▇ Members may freeze and unfreeze a registered Debit Card by using the My Mobile Money app, available free for compatible iOS and Android devices. See Credit Union for details.

Member Liability. You are solely responsible for all transfers you authorize using your Card any Services under this Agreement. If you permit other persons to use your Card Password or access code and initiate transactions with this Service, you are responsible for any transactions they authorize or conduct on any of your PINAccounts. For EFT transactions on a consumer deposit account, under this Agreement, you are responsible for all transactions you authorize using Online Banking, Mobile Banking, Bill Pay, and any other Electronic Service. For consumer accounts, transactions by family members or friends that you allow on your Account are authorized by you. If you permit other persons to use your Password, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell you must notify us at once immediately if you believe anyone has used your PIN or Password and accessed your accounts without your authority. Telephoning is the best way of keeping your possible losses downauthorization. For Visa Debit Card purchase EFT transactions, if you notify us of your lost or stolen card within twenty-four (24) hours of discovery and meet certain conditions, you may not be liable for any losses. This zero liability will apply only if: (i) you can demonstrate that you exercised reasonable care in safekeeping your Card from risk of loss or theft; (ii) you have not reported two or more incidents of unauthorized use to us within the preceding 12 months; and (iii) your account is in good standing. If you notify us of your lost or stolen Card after twenty-four (24) hours of discovery or do not satisfy the conditions set forth above, your maximum liability for losses to your account may be up to $50. These liability limits will apply, provided you did not receive a benefit or the unauthorized use of your Card was by someone without actual, implied, or apparent authority, otherwise the liability limits set forth below may apply. For all other EFT transactions, including ATM Card transactions, if you tell us within two (2) business days, you can lose no more than $50 if someone accessed your account without your permission. If you do not tell notify us within two (2) business days after you learn of the unauthorized use of your account or CardPassword, and we can prove that we could have stopped someone from accessing our your account without your permission if you had told us, you could lose as much as $500. Your liability for unauthorized loan transactions through an EFT service is $50. Also, if If your statement shows EFT transfers transactions that you did not make, tell notify us at onceimmediately. If you do not tell notify us within sixty (60) days after the statement was mailed or electronically delivered to you, you may be liable for the following amounts full amount of the loss if we can prove that we could have stopped someone from making the transfers if you had told us in time: (i) for unauthorized Visa Debit Card purchase transactions - up to the limits set forth above and (ii) for all other unauthorized ATM transactions - up to the full amount of the lossEFT transactions. If a good reason (such as a hospital stay) kept you from telling notifying us, we will may extend the time periodsperiod. If you believe your Card or PIN have Password has been lost or stolen or that someone has transferred or may transfer money funds from your account without your permission, callcontact us immediately by one of the following: (Telephone: ▇▇▇) .▇▇▇-.▇▇▇▇ or write: Alaska Air Group In person at one of the Puget Sound Refinery Federal Credit Union branches. Mail: Puget Sound Refinery Federal Credit Union, ▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇, ▇▇▇ ▇▇▇ ▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇Anacortes, WA 98221

Member Liability. ‌ You are responsible for all transfers you authorize using your Card under EFT services as explained in this Agreementdisclosure, which is part of the MSA. If you permit other persons to use your an EFT service, Card or your PIN, you are responsible for any transactions they authorize or conduct on any of your accountsthe accounts you have with us. However, tell us at once if you believe anyone has used your the account, Card or PIN or accessed your and ac- cessed the accounts with us without your authority, or if you believe an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. For Visa Debit Card purchase transactionstransactions using a Mas- terCard Credit Card, if you promptly notify us of your lost or stolen card within twenty-four (24) hours of discovery and meet certain conditionscard, you may will not be liable for any losses. This zero liability will apply only if: (i) you can demonstrate , provided that you exercised exer- cised reasonable care in safekeeping your safeguarding the Card from risk of against loss or theft; . Otherwise, the following limits (iiapplicable to all other trans- actions) you have not reported two or more incidents of unauthorized use will apply to us within transactions using the preceding 12 months; and (iii) your account is in good standing. If you notify us of your lost or stolen Card after twenty-four (24) hours of discovery or do not satisfy the conditions set forth above, your maximum liability for losses to your account may be up to $50. These liability limits will apply, provided you did not receive a benefit or the unauthorized use of your Card was by someone without actual, implied, or apparent authority, otherwise the liability limits set forth below may applyCard. For all other EFT transactions, including ATM Card transactionstransactions except Electronic Check Transactions, if you tell us within two (2) business days, you can lose no more than $50 if someone accessed your the account with us without your permission. If you do not tell us within two (2) business days after you learn of the unauthorized use of your the account or CardEFT service, and we can prove that we could have stopped someone from accessing our the account without your permission if you had told us, you could lose as much as $500. Your liability In no event will you be liable for more than $50 for unauthorized loan transactions through an EFT service is $50withdrawals from a line of credit account. Also, if your statement shows EFT transfers EFTs that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement state- ment was mailed or accessible to you, you may be liable for not get back any money lost after the following amounts sixty (60) days if we can prove that we could have stopped someone from making the transfers if you had told us in time: (i) for unauthorized Visa Debit Card purchase transactions - up to the limits set forth above and (ii) for all other unauthorized ATM transactions - up to the full amount of the loss. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periods. If you believe your that some- one has used the Card or PIN have been lost or stolen or that someone has transferred or may transfer money from your account without your permissionpermission or you have lost your Card, call: (▇▇▇) -▇▇▇-▇▇▇▇ or write: Alaska Air Group Credit Union or, if it is after business hours, toll-free ▇▇▇▇▇ -▇▇▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇, ▇▇▇ ▇▇▇ ▇▇-▇▇▇▇, ▇▇ ▇▇▇▇▇or write: Hawaii First Federal Credit Union, P.O. Box 446, Kamuela, HI 96743.