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: (000) 000-0000 or write: Alaska Air Group Credit Union 00000 Xxxxxxxxxxxxx Xxxx X, Xxx 000 XxxXxx, XX 00000

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: (000) 000-0000 (000) 000-0000 (lost/stolen) or writewrite to: Alaska Air Group Cincinnati Ohio Police Federal Credit Union 00000 Xxxxxxxxxxxxx 000 Xxxx X, Xxx 000 XxxXxxXxxxxx Xxxxxx Xxxxxxxxxx, XX 0000000000 Fax: (000) 000-0000 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 PINaccess code, 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 access code 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 purchase debit card 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 loss. If a good reason (such as a hospital stay) kept you from telling informed 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, callplease notify us at: (During business hours: Write to: 800-525-8703 WECU TTY 000) -000-0000 or writeXX Xxx 0000 After hours: Alaska Air Group Credit Union 00000 Xxxxxxxxxxxxx Xxxx X, Xxx 000 XxxXxx000-000-0000 Xxxxxxxxxx, XX 0000000000- 9750 Business Days. Our business days are Monday through Friday excluding federal holidays. After hours call 000- 000-0000.

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 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 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 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: (000) 000000.000.0000 or toll free 800-0000 or write828.8691 Or write to: Alaska Air Group Progressions Credit Union 00000 Xxxxxxxxxxxxx Xxxx X, Xxx 000 XxxXxx0000 X Xxxxxxx Xxx. Xxxxxxx, XX 00000-0000 5. Business Days. Our business days are Monday through Friday. Holidays are not included.

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: (000) 000-0000 local (000) 000-0000 toll free or write: Alaska Air Group OnPoint Community Credit Union 00000 Xxxxxxxxxxxxx Xxxx XAttn: Member Services PO Box 3750 Portland, Xxx 000 XxxXxx, XX 00000OR 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 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: (000) 000-0000 in AZ (000) 000-0000 in TX 1 (855) 878-9378 toll free or writewrite to: Alaska Air Group TruWest Credit Union 00000 Xxxxxxxxxxxxx Xxxx XUnion, Attn: Member Services XX Xxx 000 XxxXxx0000 Xxxxxxxxxx, XX 0000000000 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 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. 575-622-0560 daily office work number 000-000-0000 daily office work number 000-000-0000 after hour’s number 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: (000) 000XX Xxx 0000 Xxxxxxx, XX 00000-0000 or write: Alaska Air Group Credit Union 00000 Xxxxxxxxxxxxx Xxxx X, Xxx 000 XxxXxx, XX 00000:

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 call (000) 000-0000 during business hours or that 000-000-0000 after hours. If you believe someone has transferred or may transfer money from your account without your permission, call: (000) permission call 000-0000 or write: Alaska Air Group Credit Union 00000 Xxxxxxxxxxxxx Xxxx X, Xxx 000 XxxXxx, XX 00000000-0000. Visit our website xxx.xxxxx.xxx for the Visa Debit Card dispute forms.

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 Access Code or Device 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, Online Bill Pay, Electronic Transfer 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. However, tell you must notify us at once immediately if you believe anyone has used your PIN or Access Code and accessed your accounts without your authority. Telephoning is the best way of keeping your possible losses downauthorization. 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 losses provided you notify us of promptly and were not grossly negligent (for example keeping 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 PIN with your Card was by someone without actual, implied, is grossly negligent) or apparent authority, otherwise the liability limits set forth below may applyfraudulent in handling your Visa Debit Card and you provide us with a written statement regarding your unauthorized Visa Debit Card claim. For all other EFT transactions, including ATM Card transactions, if you tell notify 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 CardAccess code, 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 Access code 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: (000) 000-0000 Telephone: 000.000.0000 or write: Alaska Air Group 800.452.8502 In person at one of the Rivermark Community Credit Union 00000 Xxxxxxxxxxxxx Xxxx Xbranches. Mail: Rivermark Community Credit Union PO Box 4044, Xxx 000 XxxXxxBeaverton, XX 00000OR 97076-4044 7. Business Days. Our business days are Monday through Friday, excluding Federal 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, 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 000-000-0000, if it is after hours call the lost/ stolen Visa hotline at 0-000-000-0000. If you believe someone has transferred or may transfer money from your account without your permission, call: (000) please call 000- 000-0000 or writetoll-free at 0-000-000-0000 or write to: Alaska Air Group Jordan Credit Union 00000 Xxxxxxxxxxxxx Xxxx XUnion, Xxx 000 XxxXxxP.O. Box 1888, XX 00000Sandy, UT 84091- 1888

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: (000) 000-0000 or write: Alaska Air Group General Manager, Genesee Valley Federal Credit Union 00000 Xxxxxxxxxxxxx Xxxx XUnion, Xxx 000 XxxXxx0000 Xxxxxxxxxx Xx. Xxxxxxx, XX 00000

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 has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call: Portland: (000) 000-0000 or writeSeattle: Alaska Air Group (000) 000-0000 Spokane: (000) 000-0000 Or write to: Ironworkers USA Federal Credit Union 00000 Xxxxxxxxxxxxx Xxxx XX.X. Xxxxxxxxx Xxxxxx, Xxx 000 XxxXxxSuite 400 Portland, XX 00000OR 97220 Business Days. Our business days are Monday through Friday. Holidays are not included. Fees and Charges. Electronic funds transfers may be subject to fees as set forth in the rate and fee schedule.

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 (000) 000-0000 (WA), (000) 000-0000 (ID), toll free (000) 000-0000 (US & Canada) or write: Alaska Air Group Credit Union 00000 Xxxxxxxxxxxxx Xxxx Xwrite STCU, Xxx 000 XxxXxxXX XXX 0000, Xxxxxxx, XX 00000-0000.

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: (000) 000-0000 or write: Alaska Air Group General Manager, Genesee Valley Federal Credit Union 00000 Xxxxxxxxxxxxx Xxxx XUnion, Xxx 000 XxxXxx0000 Xxxxxxxxxx Xx. Xxxxxxx, XX 00000

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, callby immediately calling 000.000.0000 during business hours, 866.861.5416 after hours or write to the following address: (000) 000-0000 or write: Alaska Air Group Credit Union 00000 Xxxxxxxxxxxxx Xxxx X, Xxx 000 XxxXxxWSECU XX XXX XXXXX XXXXXXX, XX 0000000000 5. Business Days. Our business days are Monday through Friday; holidays are not included.

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 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 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 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 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 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 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 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 has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call: 9:00 a.m. to 5:00 p.m. weekdays (excluding holidays): (000) 000-0000 local or (000) 000-0000 toll free After hours and non-business days: (000) 000-0000 or write: Alaska Air Group (000) 000-0000 5. Business Days. Our business days are Monday through Friday. The Credit Union 00000 Xxxxxxxxxxxxx Xxxx X, Xxx 000 XxxXxx, XX 00000Service Center’s business days are Monday through Saturday. Holidays are not included.

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: (000) -000-0000 or toll-free at 000- 000-0000, or write: Alaska Air Group The People’s Federal Credit Union 00000 Xxxxxxxxxxxxx Xxxx XUnion, Xxx 000 XxxXxxPO Box 9335, XX 00000Amarillo, 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, 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. 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: (000) 000-0000 or write: Alaska Air Group Credit Union 00000 Xxxxxxxxxxxxx Xxxx X, Xxx 000 XxxXxx, XX 00000.

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: (000) 000-0000 (000) 000-0000 toll free or write: Alaska Air Group OnPoint Community Credit Union 00000 Xxxxxxxxxxxxx Xxxx XAttn: Contact Center PO Box 3750 Portland, Xxx 000 XxxXxx, XX 00000OR 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 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). For Visa transactions using your 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 losses 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 the preceding 12 months; and (iii) transactions using 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 transactions except electronic check transactions, if you tell us within with in two (2) business days, you can lose no not 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 of your account Card, User ID, or Cardother access device, 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 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 transfer 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, callcall during business hours: (906-632-4210 or 000) -000-0000 or call after business hours: 000-000-0000 or write: Alaska Air Group Credit Union 00000 Xxxxxxxxxxxxx FECCCU, 000 Xxxx XXxxxx Xxxxxx, Xxx 000 XxxXxxXxxxx Xxx. Xxxxx, XX 00000MI 49783.

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 have been lost or stolen or that someone has transferred or may transfer money from your account access code without your permissionpermission or you have lost your card, call: Member Solutions Center: (000) 000-0000 or – (000) 000-0000 TDD Phone: (000) 000-0000 For Visa Debit Cards Only: During regular business hours: (000) 000-0000 – (800) 247- 4364 After hours, weekends and holidays: (000) 000-0000 Or write: Alaska Air Group iQ Credit Union 00000 Xxxxxxxxxxxxx Xxxx XXX Xxx 0000, Xxx 000 XxxXxxXxxxxxxxx, XX 00000-0000 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: (000) 000-0000 000-0000, or write: Alaska Air Group Credit Redbrand Cre- dit Union 00000 Xxxxxxxxxxxxx Xxxx XP.O. Box 4128, Xxx 000 XxxXxxBartonville, XX 00000IL 61607.

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 000) -000-0000 or write: Alaska Air Group Credit Union 00000 Xxxxxxxxxxxxx Xxxx X, Xxx 000 XxxXxx, XX 000000-000-000-0000.

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 xxxx-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: (000) 000-0000 or writetoll-free at 1-800-523-3641. Or write to us at: Alaska Air Group ATTN: Member Service, Harborstone Credit Union 00000 Xxxxxxxxxxxxx Xxxx XUnion, XX Xxx 000 XxxXxx0000, Xxxxxx, XX 00000-0000. 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 you authorize using your Card EFT services under this Agreement. If you permit other persons to use your Card an EFT service, or your PINusername and password, 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, or username and 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 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 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, username and password, 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 someone has transferred or may transfer money from your account without your permission, please notify us at: During business hours call: (000) -000-0000 or write• 000-000-0000 • TTY 000-000-0000 After hours call: Alaska Air Group 000-000-0000 Write to: Whatcom Educational Credit Union 00000 Xxxxxxxxxxxxx Xxxx X, XX Xxx 000 XxxXxx0000 Xxxxxxxxxx, XX 00000-0000 9. Business Days. Our business days are Monday through Friday excluding federal 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, 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 000-000-0000, if it is after hours call the lost/ stolen Visa hotline at 0-000-000-0000. If you believe someone has transferred or may transfer money from your account without your permission, call: (please call 000) -000-0000 or writetoll-free at 0-000-000-0000 or write to: Alaska Air Group Jordan Credit Union 00000 Xxxxxxxxxxxxx Xxxx XUnion, Xxx 000 XxxXxxP.O. Box 1888, XX 00000Sandy, UT 84091-1888

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 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 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: (000) 000-0000 000-0000, or writewrite to us at: Alaska Air Group Credit Union 00000 Xxxxxxxxxxxxx Xxxx XX.X. Xxx 000, Xxx 000 XxxXxxXxxx, XX 00000.

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: 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: (000) 000-0000 or write: Alaska Air Group Credit Union 00000 Xxxxxxxxxxxxx Xxxx X, Xxx 000 XxxXxx, XX 00000and

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 Card 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 $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 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: (000) 000-0000 or write: Alaska Air Group Great NorthWest Federal Credit Union 00000 Xxxxxxxxxxxxx Xxxx X, Xxx 000 XxxXxxX. Xxxxxxx Xxxxxx Xxxxxxxx, XX 00000-0000 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 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 standingus. 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 You may be liable up to $50. These liability limits will apply, provided you did not receive a benefit or the 50.00 for all other unauthorized use of your Card was by someone without actual, implied, or apparent authority, otherwise the liability limits set forth below may applyMastercard debit card transactions. For all other EFT transactionstransactions involving access devices other than a debit card, 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: (000) 000-0000 000.000.0000 800.339.0496 or writewrite to: Alaska Air Group Ventura County Credit Union 00000 Xxxxxxxxxxxxx Xxxx X, 0000 Xxxxx Xxx Xxx Xx. Xxxxx 000 XxxXxxXxxxxxx, XX 0000000000 Fax: 000.000.0000 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 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: (000) -000-0000 or toll-free at 000-000-0000 or write: Alaska Air Group First Service Credit Union 00000 Xxxxxxxxxxxxx Xxxx XUnion, 0000 X. Xxx 000 XxxXxxXxxxxxx Parkway N., XX 00000Houston, 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 Card an EFT service, Card, TellerPhone, Online or your PINMobile Banking, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell us at once You agree you will notify the Credit Union immediately if you believe anyone has used your PIN or accessed your accounts without your authority. Telephoning Contacting us by telephone at 000-000-0000 or toll-free at 000-000-0000 is the best way method 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 avoiding potential losses. This zero liability will apply only if VISA Card Transactions: (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, you will not be liable for any losses provided you were not grossly negligent or fraudulent in handling your Card after twenty-four (24) hours of discovery or do not satisfy and you provide us with a written statement regarding your unauthorized Card claim, otherwise 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 .  EFT Transactions: If 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 notify 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 $50. Also, if  Unauthorized EFT Transactions on your statement shows EFT transfers that you did not make, tell us at once. Monthly Statement: If you do not tell notify 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 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: (000) 000-0000 or write: Alaska Air Group Credit Union 00000 Xxxxxxxxxxxxx Xxxx X, Xxx 000 XxxXxx, XX 00000.

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- xxxxxxx 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: (000) -000-0000 or write: Alaska Air Group Credit Union 00000 Xxxxxxxxxxxxx Xxxx Xwrite P.O. Box 978, Xxx 000 XxxXxxFrankfort, XX 00000Kentucky 40602-0978.

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: (000) -000-0000 or 000-000-0000 (Visa) or write: Alaska Air Group Trius Federal Credit Union 00000 Xxxxxxxxxxxxx Xxxx XUnion, Xxx 000 XxxXxx0000 0xx Xxxxxx, Xxxxxxx, XX 00000.

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 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 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 within two (242) 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 business days of your Card was by loss or theft, you can lose no more than $50 if someone used your Card and/ or PIN without actualyour permission, implied, or apparent authority, otherwise the liability limits set forth below may applyexcept if you were not fraudulent in handling your Card. Do not write your personal identification (PIN) on your Card. For all other Card or 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 to youyou or was available to you online if you have requested eStatements, 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 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: (000) 000-0000 or write: Alaska Air Group Credit Union 00000 Xxxxxxxxxxxxx Xxxx X, Xxx 000 XxxXxx, XX 00000and

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: (000) -000-0000 or toll-free at 877- 550-3244, or write: Alaska Air Group Responders Emergency Services Credit Union 00000 Xxxxxxxxxxxxx Xxxx XUn- ion, Xxx 000 XxxXxxX. Xxxxx, Xxxxxxx, XX 00000.

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: (000) 000-0000 or write: Alaska Air Group Credit Union 00000 Xxxxxxxxxxxxx Xxxx X, Xxx 000 XxxXxxSeaTac, XX 00000WA 98188 10. Business Days. Our business days are Monday through Friday. Holidays are not included.

Member Liability. You are responsible for all transfers trans- fers 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 VISA Debit Card purchase transactionstransac- tions, 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 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 youmailed, 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: (000) 000-0000 or writeOr write to: Alaska Air Group Clackamas Federal Credit Union 00000 Xxxxxxxxxxxxx Xxxx XP.O. Box 2020 Oregon City, Xxx 000 XxxXxx, XX 00000OR 97045 5. Business Days. Under this section our business days are Monday through Friday. Holidays are not included.

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: (000) -000-0000 or writetoll free at 800- 643-1567, or write to us at: Alaska Air Group Credit Union 00000 Xxxxxxxxxxxxx Xxxx XX.X. Xxx 00000, Xxx 000 XxxXxxXxxxxxx, XX 00000.

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 has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call: (000) 000-0000 or write(000) 000-0000 Or write to: Alaska Air Group Providence Federal Credit Union 00000 Xxxxxxxxxxxxx 0000 XX Xxxx XXxxx, Xxx Xxxxx 000 XxxXxxMilwaukie, XX 00000OR 97222

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. However, tell us at once if you believe anyone has used your account; card or PIN or access code and accessed 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 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 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 (000) 000-0000 or (000) 000-0000 during business hours, (000) 000-0000 after hours or write to the following address: Railroad & Industrial Federal Credit Union 0000 X 00xx Xxxxxx Xxxxx, XX 00000 Fax: (000) 000-0000 or write: Alaska Air Group Credit Union 00000 Xxxxxxxxxxxxx Xxxx X5. Business Days. Our business days are Monday through Friday, Xxx 000 XxxXxx, XX 00000excluding holidays.

Member Liability. You For consumer accounts, you are responsible responsi- ble 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 unautho- rized 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 trans- actions - 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 some- one has transferred or may transfer money from your account without your permission, call: (000) 000-0000 or write(000) 000-0000 Or write to: Alaska Air Group Providence Federal Credit Union 00000 Xxxxxxxxxxxxx 0000 XX Xxxx XXxxx, Xxx Xxxxx 000 XxxXxxMilwaukie, XX 00000OR 97222

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, (000) 000-0000 after hours or write to the following address: Trax CU 0000 X 00xx Xxxxxx Xxxxx, XX 00000 Fax: (000) 000-0000 or write: Alaska Air Group Credit Union 00000 Xxxxxxxxxxxxx Xxxx X5. Business Days. Our business days are Monday through Friday, Xxx 000 XxxXxx, XX 00000excluding holidays.

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: (000) 000-0000 or write: Alaska Air Group Credit Union 00000 Xxxxxxxxxxxxx Xxxx X, Xxx 000 XxxXxx, XX 0000000000 10. Business Days. Our business days are Monday through Friday. Holidays are not included.

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: (000) -000-0000 or write: Alaska Air Group Credit Union 00000 Xxxxxxxxxxxxx Xxxx Xtoll free at 888-369-3708, Xxx 000 XxxXxx0000 X. Xxxxxxxx, Xxxxxxx, XX 00000.

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: (000) 000-0000 FAX (000) 000-0000 or writewrite to: Alaska Air Group Omaha Federal Credit Union 00000 Xxxxxxxxxxxxx Xxxx X, 0000 X 00xx Xxx 000 XxxXxxXxxxx, XX 00000

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 call (000) 000-0000 during business hours or that (000) 000-0000 after hours. If you believe someone has transferred or may transfer money from your account without your permission, call: permission call (000) 000-0000 or write: Alaska Air Group Credit Union 00000 Xxxxxxxxxxxxx Xxxx X, Xxx 000 XxxXxx, XX 000000000. Visit our website xxx.xxxxx.xxx 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 ac- counts without your authority. 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 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 Check 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: (000) 000-0000 or write: Alaska Air Group Credit Union 00000 Xxxxxxxxxxxxx Xxxx X, Xxx 000 XxxXxx, XX 00000and

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: (000) -000-0000 or writetoll free at 000- 000-0000, or write to us at: Alaska Air Group Credit Union 00000 Xxxxxxxxxxxxx Xxxx XX.X. Xxx 00000, Xxx 000 XxxXxxXxxxxxx, XX 00000.

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 (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 (i) you can demonstrate that you exercised reasonable care in safekeeping for example keeping your PIN with your Card from risk of loss or theft; (ii) is gross negligence)or fraudulent in handling your Card 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 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 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 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: (000) 000-0000 or 0 (000) 000-0000 or write: Alaska Air Group Verity Credit Union XX Xxx 00000 Xxxxxxxxxxxxx Xxxx X, Xxx 000 XxxXxxXxxxxxx, XX 00000-0000 Business Days: Our business days are Monday through Friday. Holidays are not included. Fees and Charges.