Common use of Member Liability Clause in Contracts

Member Liability. You are responsible for all EFT transactions you authorize. If you permit someone else to use an EFT service, your Card or your 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 your Card has been lost or stolen or if you believe someone has used your Card or access code or otherwise accessed your accounts without your authority. Telephoning is the best way of keeping your possible losses down. Tell us AT ONCE if you believe your card has been lost or stolen. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If a transaction was made with your Card or Card number without your permission, and is either a VISA or Interlink transaction, you will have no liability for the transaction. For all other EFT transactions, including ATM transactions, your liablity for an unauthorized transaction is determined as follows. If you tell us within two (2) business days, you can lose no more than $50 if someone used your Card 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, and we can prove that we could have stopped someone from using your Card without your permission if you had told us, you could lose as much as $500.00. Also, if your statement shows transfers that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may not get back any money lost after the sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or hospital stay) kept you from telling us, we will extend the time periods. If you believe your Card has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call: something with a check or share draft you may authorize your check or share draft to be converted to an electronic fund transfer. You may also authorize merchants to electronically debit your account for returned check fees. You are considered to have authorized these electronic funds transfers if you complete the transaction after being told (orally or by a notice posted or sent to you) that the transfer may be processed electronically or if you sign a written authorization. (000) 000-0000 000-000-0000 or write to:

Member Liability. You are responsible liable for all EFT transactions transfers or purchases made via your card(s), access code(s) or passwords that you authorizeauthorize or allow. If you permit someone else to use an EFT service, your Card or your Card, access code, or password, you are responsible for any transactions they authorize or conduct on any of your accounts, even if that person uses the card or code in a way that you did not anticipate or intend. HoweverIn order to maintain secure communications and reduce fraud, tell you agree to protect the security of your numbers, codes, marks, signs, passwords, or other means of identification. We reserve the right to block access to the services to maintain or restore security to Online Banking and our systems if we reasonably believe your access codes have been or may be obtained or are being used or may be used by an unauthorized person(s). You will bear the liability or the risk of any error or loss of data, information, transactions or other losses which may be due to the failure of your computer system or third party communications provider on which you may rely. Tell us at once AT ONCE if you believe your Card has or any of your access codes have been lost or stolen or if you believe that an electronic funds transfer has been made without your permission, or if you believe someone has used your Card or access code or otherwise accessed your accounts without your authority. Telephoning Calling us is the best way of keeping your possible losses down. Tell us AT ONCE if you believe your card has been lost or stolen. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If a transaction was made with your Card or Card number without your permission, and is was either a VISA Card or Interlink transactiona PIN-less debit card transaction over Visa Networks (and the access codes associated with those cards), you will have no liability for the transaction. For all other EFT transactions, including ATM transactions, your liablity for an unauthorized transaction is determined as follows. If you tell us within two (2) business days, you can lose no more than $50 if someone used your Card 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, and unless we can prove that we could have stopped someone from using you were negligent in the handling of your card. If you write your PIN on your Card without your permission if you had told usor otherwise keep the PIN with the Card, you could lose as much as $500.00may be negligent. AlsoYou should always save your terminal receipts, if keep a record of your transactions, and reconcile your receipts with your periodic statements. If your statement shows transfers that you did not make, tell us at onceAT ONCE. If you do not tell us within sixty (60) 60 days after the statement was mailed provided to you, you may not get back any money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time60 days. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will may extend the time periods. If you believe your Card or access code has been lost or stolen stolen, call (000) 000-0000 or that someone (000) 000-0000 during normal business hours or write: P.O. Box 89909, Tampa, FL 33689-0415. You should also call this number or write to this address if you believe a transfer has transferred or may transfer money been made using the information from your account without your permission. The Visa Account Updater (VAU) is an account updating service in which your card is automatically enrolled. When your card expires, call: something with is lost or stolen and a check or share draft you new card is issued, the service may authorize update relevant card data (card numbers and expiration dates) to appropriate merchants who participate in an effort to facilitate uninterrupted processing of your check or share draft recurring charges. This service provides updates to be converted to an electronic fund transfera Visa database only. You may also authorize The database is accessed by those qualified merchants to electronically debit seeking your account for returned check feesinformation after you have requested they process a recurring payment or payments. You are considered to have authorized these electronic funds transfers if you complete the transaction after being told (orally or by This service is provided as a notice posted or sent free benefit to you) that . If at any time you wish to opt-out of the transfer may be processed electronically VAU service or if you sign a written authorization. have any questions, please call us at (000) 000-0000 or (000-) 000-0000 during normal business hours or write to:write: P.O. Box 89909, Tampa, FL 33689-0415.

Member Liability. You are responsible for all EFT transactions you authorize. If you permit someone else to use an EFT service, your Card or your access code, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell Tell us at once AT ONCE if you believe your Card card has been lost or stolen or if you believe someone has used your Card or access code or otherwise accessed your accounts without your authority. Telephoning is the best way of keeping your possible losses down. Tell us AT ONCE if you believe your card has been lost or stolen. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line life of credit). If a transaction was made with your Card or Card number without your permission, and is was either a VISA or Interlink transactionother valid network, you will have no liability for the transaction. For all other EFT transactions, including ATM transactionsUnless you were grossly negligent in the handling of your account or card, your liablity liability for an unauthorized transaction is determined as follows. 10 If you tell us within two (2) business days, days you can lose no more than $50 if someone used your Card 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, and we can prove that we could have stopped someone from using your Card without your permission if you had told us, you could lose as much as $500.00. Also, if your statement shows transfers that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may not get back any money lost after the sixty (60) days if we can prove that we could have stopped someone from taking making the money transfers if you had told us in time. If a good reason (such as a long trip or hospital stay) kept you from telling us, we will extend the time periods. If you believe your Card has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call: something with a check or share draft you may authorize your check or share draft to be converted to an electronic fund transfer. You may also authorize merchants to electronically debit your account for returned check fees. You are considered to have authorized these electronic funds transfers if you complete the transaction after being told (orally or by a notice posted or sent to you) that the transfer may be processed electronically or if you sign a written authorization. (000) 000-0000 000-000-0000 or write to:

Member Liability. You are responsible for all EFT transactions you authorize. If you permit someone else to use an EFT service, your Card card or your access 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 your Card card has been lost or stolen or if you believe someone has used your Card card or access code or otherwise accessed your accounts without your authority. Telephoning is the best way of keeping your possible losses down. Tell us AT ONCE , or if you believe your card that an electronic fund transfer has been lost or stolenmade without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If a transaction was made with your Card card or Card card number without your permission, and is was either a VISA Mastercard or Interlink transaction, you will have no liability for the transaction, unless you were grossly negligent in the handling of your account, card or access code. For all other EFT transactions, including ATM transactionstransactions or if you were grossly negligent in the handling of your account, card or access code, your liablity 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 used your Card 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, card or access code and we can prove that we could have stopped someone from using your Card card or access code without your permission if you had told us, you could lose as much as $500.00500. Also, if your statement shows 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) days after the statement was mailed to you, you may not get back any money lost after the sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or hospital stay) kept you from telling us, we will extend the time periods. If you believe your Card has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call: something with a check or share draft you may authorize your check or share draft to be converted to an electronic fund transfer. You may also authorize merchants to electronically debit your account for returned check fees. You are considered to have authorized these electronic funds transfers if you complete the transaction after being told (orally or by a notice posted or sent to you) that the transfer may be processed electronically or if you sign a written authorization. (000) 000-0000 000-000-0000 or write to:sixty

Member Liability. You are responsible for all EFT transactions you authorizeauthorize using your EFT services under this Agreement. If you permit someone else to use an EFT service, your Card card or your access 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 your Card card and/or access code has been lost or stolen or stolen, if you believe someone has used your Card card or access code or otherwise accessed your accounts without your authority. Telephoning is the best way of keeping your possible losses down. Tell us AT ONCE permission, or if you believe your card that an electronic fund transfer has been lost or stolenmade 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 line-of- credit). If a transaction was made with your Card card or Card card number without your permission, permission and is either was a VISA or Interlink Visa transaction, you will have no liability for the transaction, unless you were fraudulent or negligent in handling your account or card. For all other EFT transactions, including ATM transactions, your liablity for an unauthorized transaction is determined as follows. If you tell us within two (2) business days, you can lose no more than $50 if someone used your Card without your permission. If you do NOT tell us within two (2) business days after you learn of use involving the loss or theft of your Card, and we can prove that we could have stopped someone from using your Card without your permission card or access code or if you had told uswere negligent in handling your account or card, you could lose as much as your maximum liability for unauthorized use may be up to $500.0050.00. Also, if your statement shows 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 not get back any money lost after the sixty (60) 60 days if we can prove that we could have stopped someone from taking making the money transfers if you had told us in time. If a good reason (such as a long trip or hospital stay) kept you from telling us, we will extend the time periods. This paragraph does not apply to unauthorized use of a Visa debit card, an ATM card or other access device. If you believe your Card card or access code has been lost or stolen or that someone has transferred or may transfer money from your account accounts without your permission, call: something with a check or share draft you may authorize your check or share draft to be converted to an electronic fund transfer. You may also authorize merchants to electronically debit your account for returned check fees. You are considered to have authorized these electronic funds transfers if you complete the transaction after being told (orally or by a notice posted or sent to you) that the transfer may be processed electronically or if you sign a written authorization. (000) 000-0000 (000-) 000-0000 or write to:: BCS Community Credit Union 0000 Xxxxxxxxx Xxxxxxxxx Wheat Ridge, CO 80033 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 EFT transactions you authorizeauthorize using EFT services under this Agreement. If you permit someone else to use an EFT service, your Card card, PIN, username or your access codepassword, 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 your Card card, PIN, username or password has been lost or stolen or stolen, if you believe someone has used your Card card, PIN, username or access code password or otherwise accessed your accounts without your authority. Telephoning is the best way of keeping your possible losses down. Tell us AT ONCE , or if you believe your card that an EFT has been lost or stolenmade 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 line-of-credit). If a transaction was made with your Card or Card number without your permission, and is either a VISA or Interlink transaction, you will have no liability for the transaction. For all other EFT transactions, including ATM transactions, your liablity for an unauthorized transaction is determined as follows. If you tell us within two (2) business daysdays after you learn of the loss or theft of your card, PIN, username or password, you can lose no more than $50 if someone used your Card card, PIN, username or password without your permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your Cardcard, PIN, username or password and we can prove that we could have stopped someone from using your Card card, PIN, username or password without your permission if you had told us, you could lose as much as $500.00500. Also, if your statement shows transfers transactions that you did not makemake including those made by your card, tell us at oncePIN, username or password or other means, TELL US AT ONCE. If you do not tell us within sixty (60) 60 days after the statement was mailed to you, you may not get back any money lost after the sixty (60) 60 days if we can prove that we could have stopped someone from taking making the money EFT if you had told us in time. If a good reason (such as a long trip or hospital stay) kept you from telling us, we will extend the time periods. If you believe your Card card, PIN, username or password has been lost or stolen stolen, or that someone has transferred or may transfer money from your account accounts without your permission, callcall or write: something with Purdue Federal Credit Union PO Box 1950, West Lafayette, IN 47996-1950 800.627.3328 (toll free), 765.497.3328 You should also call the number or write the address listed above if you believe a check or share draft you may authorize transfer has been made using the information from your check without your permission. Your Visa® Debit Card offers Zero Liability for unauthorized transactions. If a transaction was made with your card or share draft to be converted to an electronic fund transfercard number without your permission, you will have no liability for the transaction, unless you were negligent in the handling of your account or card or PIN. You Purdue Federal requests that you report any unauthorized use of your account immediately. There may also authorize merchants to electronically debit your account for returned check fees. You are considered to have authorized these electronic funds transfers if you complete the be limited liability in certain commercial card transactions or any other transaction after being told (orally or not processed by a notice posted or sent to you) that the transfer may be processed electronically or if you sign a written authorization. (000) 000-0000 000-000-0000 or write to:Visa.

Member Liability. You are responsible for all transfers you authorize using your EFT transactions you authorizeservices under this Agreement. If you permit someone else other persons to use an EFT service, your Card service or your access codepassword, you are responsible for any transactions transac- tions they authorize or conduct on any of your accounts. However, tell us at once if you believe your Card has been lost or stolen or if you believe someone anyone has used your Card Account or access code or otherwise password 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. Tell us AT ONCE if you believe your card has been lost or stolen. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If a transaction was made with your Card or Card number without your permission, and is either a VISA or Interlink transaction, you will have no liability for the transaction. For all other EFT transactions except electronic check transactions, including ATM transactions, your liablity for an unauthorized transaction is determined as follows. If if you tell us within with- in two (2) business days, you can lose no more than $50 if someone used some- one accessed your Card account without your permission. If you do NOT not tell us within two (2) business days after you learn of the loss or theft of your Cardaccess device, account or EFT service, and we can prove that we could have stopped someone from using accessing your Card account without your permission if you had told us, you could lose as much as $500.00500. In no event will you be liable for more than $50 for unauthorized withdrawals from a line of credit account. Also, if your statement shows 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 not get back any money lost after the sixty (60) days if we can prove that we could have stopped someone from taking making the money transfers if you had told us in time. If a good reason (such as a long trip or hospital stay) kept you from telling tell- ing us, we will may extend the time periods. If you believe that some- one has used your Card has been lost or stolen or that someone has transferred or may transfer money from your account password without your permissionpermission or you have lost your Card, call: something with a check or share draft you may authorize your check or share draft to be converted to an electronic fund transfer. You may also authorize merchants to electronically debit your account for returned check fees. You are considered to have authorized these electronic funds transfers if you complete the transaction after being told (orally or by a notice posted or sent to you) that the transfer may be processed electronically or if you sign a written authorization. (000) 000-0000 000-000-0000 option 2 or write to:toll free 000-000-0000 option 2 or write: Sunbelt FCU, 0000 XX Xxxxxxx 00, Xxxxxxxxxxx, XX 00000-0000.

Member Liability. You are responsible for all EFT transactions you authorize(Applicable Only to Consumer Accounts; For Business Accounts see the Commercial Membership Disclosure) The following provisions apply to electronic funds transfers. If you permit someone else to use an EFT service, your Card or your access code, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell Notify us at once immediately if you believe that your Card has been lost or stolen or if you believe someone has used Account information including your Card or access code or otherwise accessed your accounts without your authority. Telephoning is the best way of keeping your possible losses down. Tell us AT ONCE if you believe your card personal identification number (PIN) has been lost or stolen. Telephoning is the best way of keeping , if you believe your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If a transaction was Account has been improperly accessed, or if you believe that an electronic fund transfer has been made with your Card or Card number without your permission, and . If the electronic fund transfer is either from a VISA or Interlink transaction, you will have no liability for the transaction. For all other EFT transactions, including ATM transactionsconsumer Account, your liablity liability for an unauthorized transaction is will be determined as follows. : • If you tell notify us within two (2) business daysdays after learning of the loss or theft of your Password or User ID, or any other means to access your Account such as your debit card, ATM card, code, you can lose no more than $50 if someone used your Card Password or User ID without your permission. • If you do NOT tell notify us within two (2) business days after you learn learning of the loss or theft of your CardPassword or User ID, and we can prove that we could have stopped someone from using your Card Password or User ID without your permission if had you had told us, you could lose as much as $500.00500. Also, if If your periodic statement shows transfers that you did not make, tell including those made by card, code or other means, notify us at onceimmediately. If you do not tell us within sixty (60) days after the statement was mailed or emailed to you, you may not get back any money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will may extend the time periods. If The state law applicable to your Account may give you believe your more time to report an unauthorized transaction and may provide you with additional protection. Please note, these liability rules are established by Regulation E, which does not apply to business Accounts. The following table summarizes the types of transaction where Regulation E applies: Debit and ATM Card has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call: something with a check or share draft you may authorize your check or share draft to be converted to an electronic fund transfer. You may also authorize merchants to electronically debit your account for returned check fees. You are considered to have authorized these electronic funds transfers if you complete the transaction after being told (orally or by a notice posted or sent to you) that the transfer may be processed electronically or if you sign a written authorization. (000) 000-0000 000-000-0000 or write to:Transactions

Member Liability. You are responsible for all EFT transactions you authorize. If you permit someone else to use an EFT service, your Card or your access code, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell us at once  NOTIFY US AT ONCE if you believe your Card card or any PIN has been lost or stolen stolen, or if you believe someone that an electronic funds transfer has used your Card or access code or otherwise accessed your accounts been made without your authoritypermission. Telephoning Notifying us immediately is the best way of keeping your possible losses down. Tell us AT ONCE  Liability for Unauthorized Debit Transactions (Visa Point of Sale and ATM Transactions) – There could be $0 to $50 liability for unauthorized Visa point of sale(POS) and ATM transactions if you believe notify Partners 1st FCU within two (2) business days after learning of the loss or theft of your card has been lost or stolen. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If a transaction was made with your Card or Card number without your permission, and is either a VISA or Interlink transaction, you will have no liability for the transaction. For all other EFT transactions, including ATM transactions, your liablity for an unauthorized transaction is determined as followsdebit card. If you tell us fail to notify Partners 1st within two (2) business days, you can lose no more than $50 if someone used your Card 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, and we can prove that we could have stopped someone from using your Card card without your permission if you had told us, you could lose are responsible for as much as $500.00500.  Also, if your statement shows transfers that you did not makemake including those made by card, tell us at oncecode or other means, NOTIFY US AT ONCE. If you do not tell notify us within sixty (60) days after the statement was mailed made available to you, you may not get back any money lost after the sixty (60) days if we can prove that we could have stopped someone from taking making the money transfers if you had told notified us in time. If a good reason (such as a long trip or hospital stay) kept you from telling us, we will may extend the time periods.  If you fail to report any unauthorized electronic funds transfer that appears on your statement within 60 calendar days after the statement was made available to you, your liability shall not exceed the lesser of $500 or the amount of unauthorized electronic fund transfers that appear on the periodic statement or that occur during the 60-day period; or the amount of unauthorized electronic fund transfers that occur after the close of the 60 days and before notice to Partners 1st FCU and that Partners 1st FCU establishes would not have occurred but for the failure of the member to notify Partners 1st FCU within that time.  You should also call the number or write to the address listed above if you believe your Card a transfer has been lost or stolen or that someone has transferred or may transfer money from made using your account information without your permission, call: something with a check or share draft you may authorize your check or share draft to be converted to an electronic fund transfer. You may also authorize merchants to electronically debit your account for returned check fees. You are considered to have authorized these electronic funds transfers if you complete the transaction after being told (orally or by a notice posted or sent to you) that the transfer may be processed electronically or if you sign a written authorization. (000) 000-0000 000-000-0000 or write to:.

Member Liability. You are responsible for all EFT transactions you authorizeauthorize using your EFT services under this Agreement. If you permit someone else to use an EFT service, your Card card or your access 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 your Card card and/or access code has been lost or stolen or stolen, if you believe someone has used your Card card or access code or otherwise accessed your accounts without your authority. Telephoning is the best way of keeping your possible losses down. Tell us AT ONCE permission, or if you believe your card that an electronic fund transfer has been lost or stolenmade 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 line-of-credit). If a You are not liable for an unauthorized Mastercard debit card transaction was made with if you can demonstrate that you have exercised reasonable care in protecting your Card card or Card number without your permissionaccess code from loss or theft and, and is either a VISA upon discovering the loss or Interlink transactiontheft, you will have no liability for promptly report the transactionloss or theft to us. For all other EFT transactions, including ATM transactionstransactions involving access devices, your liablity liability for an unauthorized transaction transactions is determined as follows. If you tell us within two (2) business daysdays after you learn of the loss or theft of your card or access code, you can lose no more than $50 50.00 if someone used your Card 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, card or access code and we can prove that we could have stopped someone from using your Card card or access code without your permission if you had told us, you could lose as much as $500.00. Also, if your statement shows transfers that you did not makemake including those made by card, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to youaccess code or other means, you may not get back any money lost after the sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or hospital stay) kept you from telling us, we will extend the time periods. If you believe your Card has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call: something with a check or share draft you may authorize your check or share draft to be converted to an electronic fund transfer. You may also authorize merchants to electronically debit your account for returned check fees. You are considered to have authorized these electronic funds transfers if you complete the transaction after being told (orally or by a notice posted or sent to you) that the transfer may be processed electronically or if you sign a written authorization. (000) 000-0000 000-000-0000 or write to:TELL US AT

Member Liability. You are responsible for all EFT transactions you authorize. If you permit someone else to use an EFT service, your Card or your access codePIN (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 your Card card has been lost or stolen or if you believe someone has used your Card or access code PIN or otherwise accessed your accounts without your authority. Telephoning is the best way of keeping your possible losses down. Tell us AT ONCE if you believe your card has been lost or stolen. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If a transaction was made with your Card or Card number without your permission, and is was either a VISA or Interlink transaction, you will have no liability for the transaction, unless you were grossly negligent in the handling of your account or card. For all other EFT transactions, including ATM transactionstransactions or if you were grossly negligent in the handling of your account or card, your liablity 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 used your Card 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, and we can prove that we could have stopped someone from using your Card without your permission if you had told us, you could lose as much as $500.00. Also, if your statement shows 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 not get back any money lost after the sixty (60) days if we can prove that we could have stopped someone from taking making the money transfers if you had told us in time. If a good reason (such as a long trip or hospital stay) kept you from telling us, we will extend the time periods. If you believe your Card has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call: something with a check call us immediate at 716-875-1747 or share draft you may authorize your check or share draft to be converted to an electronic fund transfer. You may also authorize merchants to electronically debit your account for returned check fees. You are considered to have authorized these electronic funds transfers if you complete the transaction after being told (orally or by a notice posted or sent to you) that the transfer may be processed electronically or if you sign a written authorization. (000) 0000-0000 000-000-0000 or write to:0000.

Member Liability. You are responsible for all transfers you authorize using EFT transactions you authorizeservices under this Agreement. If you permit someone else other persons to use an EFT service, your Card Card, or your 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 your Card has been lost or stolen or if you believe someone anyone has used your Account, Card or access code or otherwise 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. Tell us AT ONCE For VISA Debit Card purchase transactions, if you believe notify us of your card has been lost or stolen. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If a transaction was made with your Card or Card number without your permission, and is either a VISA or Interlink transactionstolen card, you may not be liable for any losses. These liability limits will have no apply, provided you were not grossly negligent or fraudulent in handling your Debit Card and you provide us with a written statement regarding your unauthorized VISA Debit Card claim, otherwise the following liability for the transactionlimits may apply. For all other EFT transactions except electronic check transactions, including ATM transactions, your liablity for an unauthorized transaction is determined as follows. If if you tell us within two (2) business days, you can lose no more than $50 if someone used accessed your Card account without your permission. If you do NOT not tell us within two (2) business days after you learn of the loss or theft unauthorized use of your Cardaccount or EFT service, and we can prove that we could have stopped someone from using accessing your Card account without your permission if you had told us, you could lose as much as $500.00500. Your liability for unauthorized line of credit transactions through an EFT service is $50. Also, if your statement shows EFT transfers that you did not make, including made by card, access code or other means, tell us at once. If you do not tell us within sixty (60) 60 days after the statement was mailed to you, ; you may not get back any money lost after be liable for the sixty (60) days full amount of the loss if we can prove that we could have stopped someone from taking the money making transfers if you had told us in time. If a good reason (such as a long trip or hospital stay) kept you from telling us, we will extend the time periods. If you believe your Card has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call: something with a check or share draft you may authorize your check or share draft to be converted to an electronic fund transfer. You may also authorize merchants to electronically debit your account for returned check fees. You are considered to have authorized these electronic funds transfers if you complete the transaction after being told (orally or by a notice posted or sent to you) that the transfer may be processed electronically or if you sign a written authorization. (000) 000-0000 000-000-0000 call 000.000.0000, toll free 800.548.5465 or write to:Power Financial Credit Union, 0000 XX 000xx Xxxxxx, Xxxxx 000, Xxxxxxxx Xxxxx, XX 00000.

Member Liability. You are responsible for all transfers you authorize using EFT transactions you authorizeservices under this Account Agreement. If you permit someone else other persons to use an EFT service, your Card Card, or your 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 your Card has been lost or stolen or if you believe someone anyone has used your Account, Card or access code or otherwise 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. Tell us AT ONCE For VISA Debit Card purchase transactions, if you believe notify us of your card has been lost or stolen. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If a transaction was made with your Card or Card number without your permission, and is either a VISA or Interlink transactionstolen card, you may not be liable for any losses. These liability limits will have no apply, provided you were not grossly negligent or fraudulent in handling your Debit Card and you provide us with a written statement regarding your unauthorized VISA Debit Card claim, otherwise the following liability for the transactionlimits may apply. For all other EFT transactions except electronic check transactions, including ATM transactions, your liablity for an unauthorized transaction is determined as follows. If if you tell us within two (2) business days, you can lose no more than $50 if someone used accessed your Card account without your permission. If you do NOT not tell us within two (2) business days after you learn of the loss or theft unauthorized use of your Cardaccount or EFT service, and we can prove that we could have stopped someone from using accessing your Card account without your permission if you had told us, you could lose as much as $500.00500. Your liability for unauthorized line of credit transactions through an EFT service is $50. Also, if your statement shows EFT transfers that you did not make, including made by card, access code or other means, tell us at once. If you do not tell us within sixty (60) 60 days after the statement was mailed to you, ; you may not get back any money lost after be liable for the sixty (60) days full amount of the loss if we can prove that we could have stopped someone from taking the money making transfers if you had told us in time. If a good reason (such as a long trip or hospital stay) kept you from telling us, we will extend the time periods. If you believe your Card has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call: something with a check or share draft you may authorize your check or share draft to be converted to an electronic fund transfer. You may also authorize merchants to electronically debit your account for returned check fees. You are considered to have authorized these electronic funds transfers if you complete the transaction after being told (orally or by a notice posted or sent to you) that the transfer may be processed electronically or if you sign a written authorization. (000) 000-0000 000-000-0000 call 000.000.0000, toll free 800.548.5465 or write to:Power Financial Credit Union, 0000 XX 000xx Xxxxxx, Xxxxxxxx Xxxxx, XX 00000.

Member Liability. You are responsible for all EFT transactions you authorize. If you permit someone else to use an EFT service, your Card or your access code, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell Tell us at once AT ONCE if you believe your Card card has been lost or stolen or if you believe someone has used your Card or access code or otherwise accessed your accounts without your authority. Telephoning is the best way of keeping your possible losses down. Tell us AT ONCE if you believe your card has been lost or stolen. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If a transaction was made with your Card or Card number without your permission, and is either a VISA or Interlink transaction, you will have no liability for the transaction, unless you were grossly negligent in handling of your account or Card. For all other EFT transactions, including ATM transactionstransactions or if you were grossly negligent in handling of your account or Card, your liablity 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 used your Card 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, and we can prove that we could have stopped someone from using your Card without your permission if you had told us, you could lose as much as $500.00. Also, if your statement shows transfers that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may not get back any money lost after the sixty (60) days if we can prove that we could have stopped someone from taking making the money transfers if you had told us in time. If a good reason (such as a long trip or hospital stay) kept you from telling us, we will extend the time periods. If you believe your Card has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call: something with a check or share draft you may authorize your check or share draft to be converted to an electronic fund transfer. You may also authorize merchants to electronically debit your account for returned check fees. You are considered to have authorized these electronic funds transfers if you complete the transaction after being told (orally or by a notice posted or sent to you) that the transfer may be processed electronically or if you sign a written authorization. 000)000-0000 Fax: (000) 000-0000 000-000-0000 or write to:write: Niagara Wheatfield Federal Credit Union PO Box 265 Sanborn NY 14132

Member Liability. You are responsible for all transfers you authorize using EFT transactions you authorizeservices under this Agreement. If you permit someone else other persons to use an EFT service, your Card Card, or your 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 your Card has been lost or stolen or if you believe someone anyone has used your Account, Card or access code or otherwise 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. Tell us AT ONCE For VISA Debit Card purchase transactions, if you believe notify us of your card has been lost or stolen. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If a transaction was made with your Card or Card number without your permission, and is either a VISA or Interlink transactionstolen card, you may not be liable for any losses. These liability limits will have no apply, provided you were not grossly negligent or fraudulent in handling your Debit Card and you provide us with a written statement regarding your unauthorized VISA Debit Card claim, otherwise the following liability for the transactionlimits may apply. For all other EFT transactions except electronic check transactions, including ATM transactions, your liablity for an unauthorized transaction is determined as follows. If if you tell us within two (2) business days, you can lose no more than $50 if someone used accessed your Card account without your permission. If you do NOT not tell us within two (2) business days after you learn of the loss or theft unauthorized use of your Cardaccount or EFT service, and we can prove that we could have stopped someone from using accessing your Card account without your permission if you had told us, you could lose as much as $500.00500. Your liability for unauthorized line of credit transactions through an EFT service is $50. Also, if your statement shows EFT transfers that you did not make, including made by card, access code or other means, tell us at once. If you do not tell us within sixty (60) 60 days after the statement was mailed to you, ; you may not get back any money lost after be liable for the sixty (60) days full amount of the loss if we can prove that we could have stopped someone from taking the money making transfers if you had told us in time. If a good reason (such as a long trip or hospital stay) kept you from telling us, we will extend the time periodsperiod. If you believe your Card has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call: something with a check or share draft you may authorize your check or share draft to be converted to an electronic fund transfer. You may also authorize merchants to electronically debit your account for returned check fees. You are considered to have authorized these electronic funds transfers if you complete the transaction after being told (orally or by a notice posted or sent to you) that the transfer may be processed electronically or if you sign a written authorization. (000) 000-0000 000-000-0000 call 000.000.0000, toll free 800.548.5465 or write to:Power Financial Credit Union, 0000 XX 000xx Xxxxxx, Xxxxx 000, Xxxxxxxx Xxxxx, XX 00000. Member Responsibility for Zelle Transactions Unauthorized Card use occurs when someone else uses your card or account access information, without your permission, to make a transaction that you did not authorize or benefit from.

Member Liability. You are responsible for all transfers you authorize using your EFT transactions you authorizeservices under this Agreement. If you permit someone else other persons to use an EFT service, your Card card, or your PIN/access code, you are responsible for any transactions they authorize or conduct on any of your accounts. You understand and agree that your authorization or permission to any other person to use any access device or PIN or to make transactions on your account constitutes your authorization for such person to conduct any transaction without limitation. You remain fully liable for all transactions made by persons whom you have provided your access device or PIN to make transactions on your account, until you notify us in writing of your revocation or express limitation of the scope of such use. However, tell us at once if you believe your Card has been lost or stolen or if you believe someone anyone has used your Card Account, card, or PIN/access code or otherwise 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. Tell us AT ONCE if you believe your card has been lost or stolen. Telephoning Liability for Visa Debit Card transactions is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If a transaction was made with your Card or Card number without your permission, and is either a VISA or Interlink transaction, you will have no liability for the transaction$.00. For all other EFT transactions except electronic check transactions, including ATM transactions, your liablity for an unauthorized transaction is determined as follows. If if you tell us within two (2) business days, you can lose no more than $50 if someone used accessed your Card account without your permission. If you do NOT not tell us within two (2) business days after you learn of the loss or theft unauthorized use of your Cardaccount or EFT service, and we can prove that we could have stopped someone from using accessing your Card account without your permission if you had told us, you could lose as much as $500.00500. Your liability for unauthorized loan transactions through an EFT service is $50. Also, if your statement shows EFT transfers that you did not make, including made by Card, PIN/access code or other means, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed or otherwise made available to you, you may not get back any money lost after be liable for the sixty (60) days full amount of the loss if we can prove that we could have stopped someone from taking making the money transfers if you had told us in time. If a good reason (such as a long trip or hospital stay) kept you from telling us, we will extend the time periods. If you believe your Card card has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call: something with a check or share draft you may authorize your check or share draft to be converted to an electronic fund transfer. You may also authorize merchants to electronically debit your account for returned check fees. You are considered to have authorized these electronic funds transfers if you complete the transaction after being told (orally or by a notice posted or sent to you) that the transfer may be processed electronically or if you sign a written authorization. (000) Xxxxx County: 627-0900 Xxxx Xxxx Xxxxxx: 000-0000 Xxxx Xxxxxx: 223-3900 Outside these counties: 0-000-000-0000 or Or write to:: America First Federal Credit Union X.X. Xxx 0000 Xxxxx, XX 00000-0000

Member Liability. You are responsible for all EFT transactions EFTs you authorizeauthorize using services under this agreement. If you permit someone else other persons to use an EFT serviceyour user name and password, your Card information, Card and PIN, or your other access codedevice, 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 any access device without your Card has been lost or stolen consent or if you believe someone that an EFT has used your Card or access code or otherwise accessed your accounts been made without your authoritypermission. Telephoning CCCU as soon as possible is the best way of keeping your possible losses down. Tell us AT ONCE For Debit Card purchase transactions, if you believe notify us of your card has been lost or stolen. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If a transaction was made with your Card or Card number without your permission, and is either a VISA or Interlink transactionstolen card, you will have no not be liable for any losses, provided you were not negligent or fraudulent in handling the Card and you provide us with a written statement regarding your unauthorized Card claim. Otherwise the following liability for the transaction. For all other EFT transactions, including ATM transactions, your liablity for an unauthorized transaction is determined as followslimits will apply. If you tell us within two (2) business days, you can lose no more than $50 if someone used your Card 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, login credentials, or other access device, 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 password, and we can prove that we could have stopped someone from using accessing your Card account without your permission if you had told us, you could lose as much as $500.00500. Also, if your statement shows 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) 60 days after the statement was mailed to you, you may not get back any money you lost after the sixty (60) 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If you believe your Card password has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call: something with a check or share draft you may authorize your check or share draft to be converted to an electronic fund transfer. You may also authorize merchants to electronically debit your account for returned check fees. You are considered to have authorized these electronic funds transfers if you complete the transaction after being told (orally or by a notice posted or sent to you) that the transfer may be processed electronically or if you sign a written authorization. call us at (000) 000-0000 or 0 (000) 000-0000000, e-0000 mail: xxxx@xxxxxxxxxxxxxxx.xxx or write to:: Consolidated Community Credit Union 0000 XX 0xx Xxx Portland, OR 97232

Member Liability. You are responsible for all EFT transactions you authorize. If you permit someone else to use an EFT service, your Card or your access code, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell Notify us at once AT ONCE if you believe that your Card and/or PIN/AC has been lost or stolen or if you believe someone that an electronic fund transfer has used your Card or access code or otherwise accessed your accounts been made without your authoritypermission using information from your check. Telephoning is the best way of keeping your possible losses down. Tell us AT ONCE if you believe your card has been lost or stolen. Telephoning This is the best way of keeping your possible losses down. You could lose all the money in your account Account (plus your maximum overdraft line of creditcredit and/or Privilege Pay limit). If a transaction was made with your Card or Card number without your permission, permission and is either was a VISA or Interlink Visa® transaction, you will have no liability for the transactiontransaction unless you were negligent or fraudulent in the handling of your account, Card or PIN/AC. For all other EFT transactionsTransactions, including ATM transactionsif you were negligent in the handling of your account, Card or Access Code, your liablity liability for an unauthorized transaction is determined as follows. : If you tell us within two (2) 2 business daysdays of the loss/theft, you can lose no more than $50 if someone used your Card and/or PIN/AC without your permission. If you do NOT tell us within two (2) 2 business days after you learn of the loss or theft of your CardCard and/or PIN/AC, and we can prove that we could have stopped someone from using your Card and/or PIN/AC without your permission if you had told us, you could lose as much as $500.00500. Also, if your statement shows transfers that you did not make, including those made by Card, PIN/AC or other means, tell us at once. If you do not tell us within sixty (60) 60 days after the statement was mailed made available (via mail or electronically) to you, you may not get back any money you lost. You may not get back any money you lost after the sixty (60) 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If you believe your Card has been Notice of lost or stolen Cards and/or PINs/ACs, or that someone has transferred unauthorized Transactions, is considered given to us whether notice is given in person, by telephone, or may transfer money from your account without your permissionin writing. If you notify us in writing, call: something with a check or share draft you may authorize your check or share draft notice is considered to be converted given at the time you place the notice in the mail, or when you deliver the notice for transmission to an electronic fund transferus by any other reasonable means of delivery. You may also authorize merchants to electronically debit For your account for returned check fees. You are considered to have authorized these electronic funds transfers if you complete the transaction after being told (orally or by a notice posted or sent to you) protection, we require that the transfer may all verbal notices be processed electronically or if you sign a written authorization. (000) 000-0000 000-000-0000 or write to:followed up in writing.