Common use of Unauthorized Electronic Transactions Clause in Contracts

Unauthorized Electronic Transactions. Under our 100 Online Banking Guarantee, you will not be liable for any losses from the unauthorized use of your Account or Electronic Banking Services due to circumstances beyond your control. These are situations where you could not have prevented, and did not knowingly contribute to, the unauthorized use of your Account. Such circumstances include any errors we made, technical problems or system malfunctions. You may be liable for all losses from unauthorized use of your Account if you: • knowingly contributed to its unauthorized use; • willingly disclosed your Secret ID Code; • did not keep your Secret ID Code separate from your Card; • did not comply with your reporting obligations in Section 10 of this Agreement unless there were exceptional circumstances for your failure to do so; or • shared a mobile device that you registered with us for Electronic Banking Services. • In those cases, your liability may exceed the funds in an Account, your credit limit or any daily transaction limits. In other words, your liability will not be limited by your Account balance, your credit limit or any daily transaction limits. • You must cooperate and assist in any investigation that we initiate into the unauthorized use you reported, which is a precondition to being reimbursed for any losses. This cooperation may include filing a report with law enforcement authorities.

Unauthorized Electronic Transactions. Under our 100 100% Online Banking Guarantee, you will not be liable for any losses from the unauthorized use of your Account or Electronic Banking Services due to circumstances beyond your control. These are situations where you could not have prevented, and did not knowingly contribute to, the unauthorized use of your Account. Such circumstances include any errors we made, technical problems or system malfunctions. You may be liable for all losses from unauthorized use of your Account if you: • knowingly contributed to its unauthorized use; • willingly disclosed your Secret ID Code; • did not keep your Secret ID Code separate from your Card; • did not comply with your reporting obligations in Section 10 of this Agreement unless there were exceptional circumstances for your failure to do so; or • shared a mobile device that you registered with us for Electronic Banking Services. • In those cases, your liability may exceed the funds in an Account, your credit limit or any daily transaction limits. In other words, your liability will not be limited by your Account balance, your credit limit or any daily transaction limits. • You must cooperate and assist in any investigation that we initiate into the unauthorized use you reported, which is a precondition to being reimbursed for any losses. This cooperation may include filing a report with law enforcement authorities.