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. 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. You could lose all the money in your account (plus your maximum overdraft line of credit). no liability for the transaction unless you were grossly negligent in the handling of your account card, your liability for an unauthorized transaction is determined as follows. If you tell us within two (2) business days you can lose no more than $50 if someone 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 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 making the transfers if you had told us in time. 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 has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call: (▇▇▇) ▇▇▇-▇▇▇▇ or 1-877-829-1616 or write to Temple-Inland FCU ▇▇▇ ▇. ▇▇▇▇▇▇ ▇▇. ▇▇▇▇▇▇, TX 75941

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 accountsaccount. 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. You could lose all the money in your account (plus your maximum overdraft line of credit). If a transaction was made with your card or card number without your permission, and was either a VISA or Interlink transactions, you will have no liability for the transaction transaction, unless you were grossly negligent in the handling of your account or card. For all other EFT transactions, including ATM transactions or if you were grossly negligent in the handling of your account or card, your liability for an unauthorized transaction is determined as follows. 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 NOT tell us within two (2) business days after you learn of the loss or theft of your Card, and we can prove we could have stopped someone from using your Card without your permission if you had told us, you could lose as much as $500.004500.00. 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 making the transfers if you had told us in time. If a good reason (such as a hospital stay) kept you from telling us, 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: (t: ▇▇▇) .▇▇▇.▇▇▇▇ f: ▇▇▇.▇▇▇.▇▇▇▇ ▇▇▇.▇▇▇▇▇▇▇▇▇.▇▇▇ or write: ▇▇▇▇▇▇-▇▇▇▇ or 1-877-829-1616 or write to Temple-Inland FCU ▇▇▇ City Federal Credit Union ▇. ▇ ▇ ▇▇▇▇▇▇ ▇▇. ▇▇▇▇ ▇▇▇▇▇▇-▇▇▇▇▇, TX 75941PA 18711

Member Liability. You are responsible for all EFT transactions transfers you authorizeauthorize using the Online Banking services under this agreement. If you permit someone else other persons to use an EFT service, your Card or your access codepassword, you are responsible for any transactions they authorize or conduct on any of your accounts. Tell However, tell us AT ONCE at once if you believe your card has been lost or stolen or if you believe someone anyone has used your Card or access code or otherwise password and accessed your accounts without your authority. Telephoning CCCU as soon as possible 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). no liability for the transaction unless you were grossly negligent in the handling of your account cardFor Online Banking transactions, your liability for an unauthorized transaction is determined as follows. If if you tell us within two (2) business days days, you can lose no more than $50 if someone used accessed your Card account without your permission. If you do not tell us within two (2) business days after you learn of the loss or theft unauthorized use of your Cardaccount 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. Your liability for unauthorized loan transactions through the Online Banking service is $50. Also, if your statement shows Online Banking 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 be liable for the sixty (60) days 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 timeunauthorized EFT transactions. 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 password has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call: call us at (▇▇▇) ▇▇▇-▇▇▇▇ or 11 (800) 444-877-829-1616 or write to Temple-Inland FCU ▇▇▇ ▇. 8115, e- mail: ▇▇▇▇▇▇ ▇▇. @▇▇▇▇▇▇, TX 75941▇▇▇▇▇▇▇▇▇.▇▇▇ or write to: Consolidated Community Credit Union ▇▇▇▇ ▇▇ ▇▇▇ ▇▇▇

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. Tell However, tell us AT ONCE 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. You could lose For all the money in your account (plus your maximum overdraft line of credit). no liability for the transaction unless you were grossly negligent in the handling of your account cardEFT transactions except electronic check transactions, your liability for an unauthorized transaction is determined as follows. If if you tell us within with- in two (2) business days days, you can lose no more than $50 if someone used some- one accessed your Card account without your permission. If you do 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 making the transfers if you had told us in time. If a good reason (such as a 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: (▇▇▇) -▇▇▇-▇▇▇▇ option 2 or 1toll free ▇▇▇-877▇▇▇-829-1616 ▇▇▇▇ option 2 or write to Temple-Inland FCU write: Sunbelt FCU, ▇▇▇▇ ▇. ▇ ▇▇▇▇▇▇▇ ▇▇. , ▇▇▇▇▇▇▇▇▇▇▇, TX 75941▇▇ ▇▇▇▇▇-▇▇▇▇.

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. 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. 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, you will have no liability for the transaction transaction, unless you were grossly negligent in the handling of your account or card. For all other EFT transactions, including ATM transactions or if you were grossly negligent in the handling of your account or card, your liability for an unauthorized transaction is determined as follows. If you tell us within two (2) business days you can lose no more than $50 if someone used your Card 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 Card, and we can prove 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 making the transfers if you had told us in time. 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 has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call: (▇▇▇) -▇▇▇-▇▇▇▇ Fax: ▇▇▇-▇▇▇-▇▇▇▇ or 1-877-829-1616 or write to Temple-Inland FCU to: Element Federal Credit Union ▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇ ▇▇. ▇ ▇▇ ▇▇▇▇▇▇, TX 75941▇▇▇▇,▇▇ ▇▇▇▇▇

Member Liability. You are responsible for all EFT any transactions you authorize. If you permit someone else to use an EFT serviceyour login credentials, your Card or your access code, you You are responsible for any transactions they authorize or conduct on any of your accountsaccounts you have with us. Tell us Us AT ONCE if you believe your card login credentials has been lost or stolen or if you believe someone has used your Card or access code login credentials or otherwise accessed your accounts without your authority. Telephoning Phoning 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 applicable). no liability for the transaction unless If you were grossly negligent in the handling of your account cardaccount, your liability for an unauthorized transaction is determined as follows. If you tell us within two (2) business days you days, You can lose no more than $50 if someone accessed your account and used your Card credentials 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, and we can prove 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 $500.00. 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 accessible 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 making the transfers if you had told us in time. 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 has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, callcontact us: Phone: (▇▇▇) ▇▇▇-▇▇▇▇ or 1-877-829-1616 or write to Temple-Inland FCU Mail: Big Island Federal Credit Union ▇▇ ▇▇▇▇ ▇. ▇▇▇▇▇▇ ▇▇. ▇▇, ▇▇▇▇▇▇ ▇, TX 75941▇▇▇▇

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 servicethe uOnline Service, your Card Mobile Banking Service, or your access code, password you are responsible for any transactions they authorize or conduct on any of your accounts. Tell us AT ONCE 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 authorityauthority or if you believe that an EFT has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. You could lose all For uOnline Service or Mobile Banking Service transactions, if you tell us of the money in your account (plus your maximum overdraft line of credit). no liability for the transaction unless you were grossly negligent in the handling unauthorized use of your account card, 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 used accessed your Card account without your permission. If you do 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. Also, if your statement shows transfers uOnline Service or Mobile Banking Service transactions that you did not makemake including those made by password 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 be liable for the sixty (60) days following amounts if we can prove that we could have stopped someone from making the transfers if you had told us in time: for all uOnline Service or Mobile Banking Service 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 uOnline or Mobile Banking password has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call: (▇-▇▇▇) -▇▇▇-▇▇▇▇ or 1▇-877▇▇▇-829▇▇▇-1616 or write to Temple-Inland FCU ▇▇▇▇ Or write: Unitus Community Credit Union ▇. ▇ ▇▇▇ ▇▇▇▇ ▇▇. ▇▇▇▇▇▇, TX 75941▇▇ ▇▇▇▇▇-▇▇▇▇

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. Tell us AT ONCE if you believe your 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. You could lose all the money in your account (plus your maximum overdraft line of credit). no liability for the transaction unless you were grossly negligent in the handling of your account card, your liability for an unauthorized transaction is determined as follows. If you tell us within two (2) business days you can lose no more than $50 if someone used your Card 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 Cardcard, and we can prove we could have stopped someone from using your Card 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 making the transfers if you had told us in time. 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 has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call: (▇▇▇) ▇▇▇-▇▇▇▇ or 1▇-877▇▇▇-829▇▇▇-1616 ▇▇▇▇ or write to Temple-Inland FCU ▇▇▇ ▇. ▇▇▇▇▇▇ ▇▇. ▇▇▇▇▇▇, TX 75941

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. Tell us AT ONCE . (1) 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. You could lose all the money in your account (plus your maximum overdraft line of credit). no liability for the transaction unless you were grossly negligent in the handling of your account card, your liability for an unauthorized transaction is determined as follows. If you tell us within two (2) business days you can lose no more than $50 if someone used your Card card 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 Cardcard, and we can prove we could have stopped someone from using your Card card without your permission if you had told us, you could lose as much as $500.00. Also, 500; (2) if your statement shows transfers that you did not makemake including those made by card, tell us at oncecode or other means, TELL US AT ONCE. If I f 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 making the transfers if you had told us in time. 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 has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call: (940) ▇▇▇- ▇▇▇▇ or (▇▇▇) ▇▇▇-▇▇▇▇ or 1-877-829-1616 or write to Temple-Inland FCU to: Nascoga Federal Credit Union, ▇▇▇▇ ▇. ▇▇▇▇▇▇▇ ▇▇. , Gainesville TX 76240, Fax (▇▇▇) ▇▇▇-▇▇▇▇▇▇, TX 75941. You should also call the number or write to the address listed previously if you believe a transfer has been made using the information from your check without your permission.