Common use of Statements and Reporting Errors Clause in Contracts

Statements and Reporting Errors. 1. Your Role in Preventing Account Fraud. You have a very important role in protecting your account from fraud and discovering fraud or errors involving your account. You should carefully guard the security of your checkbook and check stock, and immediately notify us if any of your checks are missing. If you are a commercial customer, you should not give the same person the responsibility to write checks and to review statements. You must safeguard any Personal Identification Number (“PIN”), password or other code or device (such as a token) that you obtain from us to access your account or to perform account functions. This includes the PIN you use with your ATM card, the access codes you use with UMB Direct telephone banking, UMB Online Banking, or other electronic devices. You must notify us immediately if your card or other access device or your PIN or other code were lost or stolen or if you suspect that its confidentiality has been compromised. No representative of