Common use of Our Responsibility Clause in Contracts

Our Responsibility. We will reimburse you for direct losses to your Account(s) that result from the following types of activities or unauthorized Transactions that occur through your use of Online Banking: (i) Transactions that occur after you notify us that you suspect or aware that there has been misuse or unauthorized use of your Password so long as you agree to cooperate and assist us in any investigation that we commence in connection with the misuse or unauthorized access to your Password; (ii) Transactions where it can be shown that you have been a victim of fraud, theft or have been coerced by force or intimidation, so long as you report the incident to us immediately and cooperate and assist us fully in any investigation; (iii) we make an error or omission in recording or documenting a Transaction and you give us written notice of the suspected error or omission within the time period provided in the Terms and Conditions for Financial Services (in this event, our liability to you will be limited to the amount of the error or omission in recording plus any applicable services charges that may have been charged to you); and (iv) our negligence, fraud or willful misconduct. Notwithstanding the foregoing, we are not responsible for any type of direct loss that you may suffer or any other type of loss, damage, delay, or inconvenience that you might suffer or incur as a result of accessing the Services on a public computer or through the use of public or open access Wi-Fi services, even if we would otherwise be liable to you pursuant to this Section 10(a).

Our Responsibility. We will reimburse you for direct losses to your Account(s) that result from the following types of activities or unauthorized Transactions that occur through your use of Online Banking: (i) Transactions that occur after you notify us that you suspect or aware that there has been misuse or unauthorized use of your Password Username and/or Password, as applicable, so long as you agree to cooperate and assist us in any investigation that we commence in connection with the misuse or unauthorized access to your Username and/or Password, as applicable; (ii) Transactions where it can be shown that you have been a victim of fraud, theft or have been coerced by force or intimidation, so long as you report the incident to us immediately and cooperate and assist us fully in any investigation; (iii) we make an error or omission in recording or documenting a Transaction and you give us written notice of the suspected error or omission within the time period provided in the Terms and Conditions for Financial Services (in this event, our liability to you will be limited to the amount of the error or omission in recording plus any applicable services charges that may have been charged to you); and (iv) our negligence, fraud or willful misconduct. Notwithstanding the foregoing, we are not responsible for any type of direct loss that you may suffer or any other type of loss, damage, delay, or inconvenience that you might suffer or incur as a result of accessing the Services on a public computer or through the use of public or open access Wi-Fi services, even if we would otherwise be liable to you pursuant to this Section 10(a).