Common use of Unauthorized Transactions Clause in Contracts

Unauthorized Transactions. All EFTs Your Liability for Unauthorized Use Tell us AT ONCE if you believe that your Card, PIN, or Internet Banking, Mobile Banking and Bill Payment password or access code has been lost or stolen or may be subject to unauthorized use, or if you believe that an electronicfund transfer has been made without your permission using information from your check. Please refer to the “HOW TO CONTACT US” section at the end of this Agreement for how to provide this notification. Telephoning is the best way to keep losses down. You could lose all the money in your account plus your maximum overdraft line of credit if you fail to promptly report unauthorized use of an ATM Card, Internet Banking, Mobile Banking and Bill Payment, or certain unauthorized use of a VISA® Debit Card. If you believe your Card or code has been lost or stolen or otherwise made available to an unauthorized person, and you tell us within two (2) business days after you learn of the loss of theft, you can lose no more than $50 if someone used your card or PIN without your permission. However, if you DO NOT tell us within two (2) business days after you learn of the loss, theft, or other unauthorized use of your Card or code, and we can prove that we could have stopped someone from using your Card or code without your permission, you could lose as much as $500. (Under California law, this paragraph does not apply to the VISA® Debit Card even if the unauthorized use is exempt from the VISA® zero liability rule.) Also, if your statement shows unauthorized transactions, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, we are not obligated to refund 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. That means you could lose all the money in your account plus your maximum overdraft line of credit. If a good reason (such as a long trip or a hospital stay) kept you from informing us, we may extend the time periods. If unauthorized use of your VISA® Debit Card is not exempt from the “no liability” rule under VISA® USA operating rules, your liability is limited to that indicated in the separate VISA® Debit Card section above.

Unauthorized Transactions. All EFTs Your Liability 5.1. You must notify Us of any unauthorized Transactions through our Card Services number without undue delay and in any event no later than six months (6) months of the Transaction debit date. We will request that You provide additional written information concerning any such Transaction and You must comply with such request. 5.2. You will be liable for Unauthorized Use Tell us AT ONCE all losses in respect of the Card if you believe that your Card, PIN, or Internet Banking, Mobile Banking and Bill Payment password or access code has been lost or stolen or may be subject have (i) acted fraudulently; (ii) failed to unauthorized use, or if you believe that an electronicfund transfer has been made use the Card in accordance with the Agreement; (iii) have failed to notify Us without your permission using information from your check. Please refer to the “HOW TO CONTACT US” section at the end of this Agreement for how to provide this notification. Telephoning is the best way to keep losses down. You could lose all the money in your account plus your maximum overdraft line of credit if you fail to promptly report unauthorized use of an ATM Card, Internet Banking, Mobile Banking and Bill Payment, or certain unauthorized use of a VISA® Debit Card. If you believe your Card or code has been lost or stolen or otherwise made available to an unauthorized person, and you tell us within two (2) business days after you learn of the loss of theft, you can lose no more than $50 if someone used your card or PIN without your permission. However, if you DO NOT tell us within two (2) business days after you learn undue delay on becoming aware of the loss, thefttheft or misuse of the Card; or (iv) have failed to take all reasonable steps to keep the Card’s security features safe. 5.3. Where You are not liable for an unauthorized Transaction, we will refund the value of that Transaction and will have no further liability to you for any other losses You may suffer. If Our investigations conclude that the Transaction you have disputed has been authorized by You, or other unauthorized use on Your behalf, or You have acted fraudulently, We will not refund the value of the Transaction. 5.4. You should check your Card or code, and we can prove that we could have stopped someone from using your Card or code without your permission, you could lose as much as $500. (Under California law, this paragraph does not apply to the VISA® Debit Card even if the unauthorized use is exempt from the VISA® zero liability rule.) Also, if your statement shows unauthorized transactions, tell us at onceTransaction history regularly. If you notice an error or a card Transaction that You do not recognise, you must tell us within sixty as soon as possible and no later than (602) days after months from the statement was mailed date of the Transaction debit date. We may also ask for additional information to you, we are help us investigate. We will not obligated to refund any money you lost after the sixty (60) days, unauthorised Transaction if we can prove that think that: ● You have acted fraudulently, ● You have intentionally or with gross negligence failed to use the card in accordance with these Terms and Conditions, ● You have intentionally or with gross negligence failed to take reasonable steps to keep the personalised security details safe, or ● You have failed to notify us without undue delay. Even if we could have stopped someone from taking the money if refunded you had told us in time. That means you could lose all the money in your account plus your maximum overdraft line of credit. If a good reason (such as a long trip or a hospital stay) kept you from informing usfor any unauthorised Transaction, we may extend later deduct the time periods. If unauthorized use of amount refunded from your VISA® Debit Card is card if we conclude after further investigation that you authorised the Transaction or you were not exempt from the “no liability” rule under VISA® USA operating rules, your liability is limited entitled to that indicated in the separate VISA® Debit Card section abovea refund or you acted fraudulently.

Unauthorized Transactions. All EFTs Your Liability for Unauthorized Use Tell If you discover a Check forgery, alteration or other unauthorized transaction involving your Account, you must promptly notify us AT ONCE if you believe that your Card, PIN, or Internet Banking, Mobile Banking and Bill Payment password or access code has been lost or stolen or may be subject to unauthorized use, or if you believe that an electronicfund transfer has been made without your permission using information from your check. Please refer to in writing of the “HOW TO CONTACT US” section relevant facts at the end of address in the subsection titled “How to Contact Us” in the section titled “General Account Information” in this Agreement for how agreement. You agree to maintain a current Account register and to carefully and promptly review all statements and notices we send to you. If you participate in our Check safekeeping service, your statements will be deemed to provide this notificationsufficient information about your Checks and other transactions for you to determine whether any are forged, altered or unauthorized if the statements provide you with the Check number, amount and date of payment. Telephoning is You are in the best way position to keep losses downdiscover and report any unauthorized debit to your Account. You could lose all the money in your account plus your maximum overdraft line of credit if If you fail to promptly report unauthorized use notify us within a reasonable time (not exceeding 21 days) of an ATM Cardunauthorized signature, Internet Bankingalteration, Mobile Banking forgery, counterfeit Check or other unauthorized debit to your Account, we will not be responsible for subsequent unauthorized non-ACH transactions by the same wrongdoer. Without regard to care or lack of care of either you or us, if you do not discover and Bill Paymentreport any such unauthorized transaction within 60 days after your statement, transaction information or certain the Item is made available to you, you are precluded from asserting the unauthorized use of a VISA® Debit Cardtransaction against us. If you believe fail to notify us within 24 hours of the Posting of an unauthorized ACH debit to your Card Account, we will not be responsible for subsequent unauthorized transactions by the same wrongdoer. Without regard to care or code has been lost lack of care of either you or stolen us, if you do not discover and report any such unauthorized ACH debit transaction within a reasonable time (not exceeding 14 days) after your statement, transaction information or otherwise the Item is made available to you, you are precluded from asserting the unauthorized transaction against us. If you claim a credit or refund because of an unauthorized persontransaction, you agree to provide us with a declaration containing whatever reasonable information we require regarding your Account, the transaction and you tell the circumstances surrounding the claimed loss. You also agree to make a report to the police and to provide us within two with a copy of the report, upon request. We will have a reasonable period of time to investigate the circumstances surrounding any claimed loss. During our investigation, we will have no obligation to provisionally credit your Account, unless otherwise required by law. Our maximum liability will never exceed the amount of actual damages proven by you. Our liability will be reduced: (2a) business days after you learn by the amount of the loss that is caused by your own negligence or lack of theftcare; (b) to the extent that damages could not have been avoided by our exercise of ordinary care; and (c) by any loss recovery that you obtain from third parties (apportioned in accordance with this provision). We will not be liable for any loss that is caused in part by your negligence if we acted with ordinary care. Unless otherwise required by law, we will not be liable for incidental, special or consequential damages, including loss of profits and/or opportunity, or for attorneys’ fees incurred by you, even if we were aware of the possibility of such damages. If you can lose no more than $50 if someone used have a Bank of Hawaii Visa® Debit Card for Business, or Business BankCard, please see your card or PIN without agreement in connection with your permissionresponsibility for unauthorized Automated Teller Machine and point-of-sale transactions. However, if you DO NOT tell us within two (2) business days after you learn The provisions set forth for consumers on the back of the loss, theft, or other unauthorized use of your Card or code, and we can prove that we could have stopped someone from using your Card or code without your permission, you could lose as much as $500. (Under California law, this paragraph does periodic statements do not apply to business Accounts. You agree to pursue all rights you may have under any insurance policy you maintain in connection with any loss associated with your Account and to provide us with information regarding coverage. Our liability will be reduced, proportionately in accordance with our responsibility for any loss, by the VISA® Debit Card even if amount of any insurance proceeds you receive or are entitled to receive for the unauthorized use is exempt from the VISA® zero liability rule.) Also, if your statement shows unauthorized transactions, tell us at onceloss. If we reimburse you do not tell for a loss and the loss is covered by insurance, you agree to assign us within sixty (60) days after your rights under the statement was mailed insurance policy to youthe extent of our reimbursement, we are not obligated in accordance with this provision. Different liability rules may apply to refund 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 timecertain Electronic Fund Transfers. That means you could lose all the money in your account plus your maximum overdraft line of credit. If a good reason (such as a long trip or a hospital stay) kept you from informing us, we may extend the time periods. If unauthorized use of your VISA® Debit Card is not exempt from For more information see the “no liability” rule under VISA® USA operating rules, your liability is limited to that indicated in the separate VISA® Debit Card section abovee-Bankoh Mobile Banking Services Agreement.”

Unauthorized Transactions. All EFTs EFTs‌ Your Liability for Unauthorized Use Use‌ Tell us AT ONCE if you believe that your Card, PIN, CALL-24 access code, or Internet Banking, Mobile Banking and Bill Payment password or access code has been lost or stolen or may be subject to unauthorized use, or if you believe that an electronicfund electronic fund transfer has been made without your permission using information from your check. Please refer to the “HOW TO CONTACT US” section at the end of this Agreement for how to provide this notification. Telephoning is the best way to keep losses down. You could lose all the money in your account plus your maximum overdraft line of credit if you fail to promptly report unauthorized use of an ATM Card, CALL-24, Internet Banking, Mobile Banking and Bill Payment, or certain unauthorized use of a VISA® Debit Card. If you believe your Card or code has been lost or stolen or otherwise made available to an unauthorized person, and you tell us within two (2) business days after you learn of the loss of theft, you can lose no more than $50 if someone used your card or PIN without your permission. However, if you DO NOT tell us within two (2) business days after you learn of the loss, theft, or other unauthorized use of your Card or code, and we can prove that we could have stopped someone from using your Card or code without your permission, you could lose as much as $500. (Under California law, this paragraph does not apply to the VISA® Debit Card even if the unauthorized use is exempt from the VISA® Visa zero liability rule.) rule.)‌ Also, if your statement shows unauthorized transactions, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, we are not obligated to refund any money you lost after the sixty sixty‌ (60) days, if we can prove that we could have stopped someone from taking the money if you had told us in time. That means you could lose all the money in your account plus your maximum overdraft line of credit. If a good reason (such as a long trip or a hospital stay) kept you from informing us, we may extend the time periods. periods.‌ If unauthorized use of your VISAVisa® Debit Card is not exempt from the “no liability” rule under VISAVisa® USA operating rules, your liability is limited to that indicated in the separate VISAVisa® Debit Card section above.above.‌

Unauthorized Transactions. All EFTs Your Liability 11.1. You must notify the Platform Provider of unauthorized transactions. You must notify the Platform Provider immediately and no later than seven (7) days from the date of the transaction date. 11.2. When will we not make a refund? We will not make a full refund and you will be responsible for Unauthorized Use Tell us AT ONCE if the unauthorized transactions, in the following circumstances: (a) you believe that your Card, PINhave acted fraudulently, or Internet Banking, Mobile Banking and Bill Payment password or access code has been lost or stolen or may be subject we have good reasons to unauthorized use, or if believe you believe that an electronicfund transfer has been made without your permission using information from your check. Please refer to the “HOW TO CONTACT US” section at the end of this Agreement for how to provide this notification. Telephoning is the best way to keep losses down. You could lose all the money in your account plus your maximum overdraft line of credit if you fail to promptly report unauthorized use of an ATM Card, Internet Banking, Mobile Banking and Bill Payment, or certain unauthorized use of a VISA® Debit Card. If you believe your Card or code has been lost or stolen or otherwise made available to an unauthorized person, and you tell us within two (2) business days after you learn of the loss of theft, you can lose no more than $50 if someone used your card or PIN without your permissionhave acted fraudulently. However, if our investigation reveals that you DO NOT tell us within two have not acted fraudulently, we will immediately issue a full refund; (2b) business days we are not notified by you about the unauthorized transaction, or we are notified after you learn the applicable Notification Deadline specified in Section 11.1; (c) we are not notified, or are notified late of any security issues with the Nium Account and/or your Platform, about the loss, thefttheft or misappropriation of the Pay In or Pay Out services or the Nium Account. You will be responsible for all transactions that occurred before the date when you notify us and we will not issue a refund for any unauthorized transactions that occurred before we were notified; (d) you and/or Nium Account user deliberately, or other with gross negligence (i.e., extremely carelessly), compromised the security of the Nium Account, or fail to use the Pay In or Pay Out services or the Nium Account in accordance with these Terms; or (e) the Nium Account was misappropriated (i.e., used by someone else). 11.3. We may investigate unauthorized use and incorrectly executed transactions. We will have the right to investigate any transaction reported by you as unauthorized or executed incorrectly. We may ask you to provide us with supporting information and documentation to help us with our investigation and you agree to cooperate with us and provide to us all information and documentation we reasonably require for this purpose. You also agree to cooperate with any authorities involved in our investigation. We will treat any payment instruction given via the Platform or Platform Provider as evidence of your Card or codeauthorization of the payment, and in this case you will need to provide us with evidence to show that the transaction was not authorized in accordance with these Terms. 11.4. Can we can prove that we could have stopped someone from using your Card or code without your permissiontake back the refund? If, you could lose as much as $500. (Under California law, this paragraph does not apply to the VISA® Debit Card even if the unauthorized use is exempt from the VISA® zero liability rule.) Also, if your statement shows unauthorized transactions, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to youa result of our investigation, we are not obligated to refund any money discover that the transaction was authorized appropriately and executed by us correctly, or that you lost after the sixty have acted fraudulently or that you have acted intentionally or with gross negligence (60) daysi.e., if we can prove that we could have stopped someone from taking the money if you had told us in time. That means you could lose all the money in your account plus your maximum overdraft line of credit. If a good reason (such as a long trip or a hospital stay) kept you from informing usextremely carelessly), we may extend debit from your bank account for such sums in accordance with Section 8.3 of the time periodsACH Debit Authorization Agreement. If unauthorized use of your VISA® Debit Card is not exempt from the “no liability” rule under VISA® USA operating rules, your liability is limited to that indicated in the separate VISA® Debit Card section aboveWe also may issue a request for immediate repayment. .

Unauthorized Transactions. All EFTs Your Liability for Unauthorized Use Tell You should notify us AT ONCE immediately if you believe that anyone has improperly obtained your Card, PIN, or Internet Banking, Mobile Banking and Bill Payment password or access code has been lost or stolen or may be subject to unauthorized use, or if you believe that an electronicfund transfer suspect any fraudulent activity in your account(s). If your password has been made without your permission using information from your check. Please refer to the “HOW TO CONTACT US” section at the end of this Agreement for how to provide this notification. Telephoning is the best way to keep losses down. You could lose all the money in your account plus your maximum overdraft line of credit if you fail to promptly report unauthorized use of an ATM Card, Internet Banking, Mobile Banking and Bill Payment, or certain unauthorized use of a VISA® Debit Card. If you believe your Card or code has been lost or stolen or otherwise made available to an unauthorized person, compromised and you tell us within two (2) business days after you learn of discovering the loss of theftor misappropriation, you can lose no more than $50 if someone used your card or PIN without your permission50. However, if If you DO NOT do not tell us within the two (2) business days after you learn of the loss, theft, or other unauthorized use of your Card or code, and we can prove that we could have stopped someone from using your Card or code without your permissionday period, you could lose as much as $500500 if we could have stopped the use of your accounts had we received notice in a timely manner. (Under California lawYou should contact us, this paragraph does not apply to or the VISA® Debit Card even if the unauthorized use is exempt from the VISA® zero liability rule.) Also▇▇▇▇ payment provider, if as applicable, as soon as you identify any errors or discrepancies in your statement shows unauthorized transactionsor transaction record, tell us at onceor if you need any information about a transaction listed on the statement or transaction record. If We must hear from you do not tell us within no later than sixty (60) days after we have sent the first statement was mailed to youon which the problem or error appeared (If you notify us verbally, we are not obligated may require that you send us your complaint or question in writing or electronically within ten (10) business days). If you fail to refund any money you lost after notify us within the sixty (60) daysday period, you may not recover any of the money you lost if we can prove establish that we the loss could have stopped someone from taking the money if been avoided had you had told notified us in on time. That means you could lose all the money in your account plus your maximum overdraft line of credit. If a We may extend these time periods for good reason (reasons such as out-of-town travel or extended hospital stays. When you report a long trip problem or discrepancy, please: (i) tell us your name and account number; (ii) describe the error or the transaction you are unsure about, and explain why you believe it is in error or what additional information you need; (iii) tell us the dollar amount of any suspected error; and (iv) for a hospital stay▇▇▇▇ payment, tell us the number of the account used to pay the ▇▇▇▇, the applicable payee name and account number, the date the payment was sent, the payment amount and the payment reference number. Generally speaking, we will tell you the results of our investigation within ten (10) kept you business days, or twenty (20) business days in the case of point of sale or international transactions, after we hear from informing usyou. However, we may extend take up to forty-five (45) days, or ninety (90) days in the case of point of sale or international transactions, to investigate your complaint or question. In this case, we may provisionally credit your account so that you have use of the money during the time periodsit takes us to complete our investigation. If unauthorized use you fail to provide your complaint or question in writing within ten (10) business days of a request from us to do so, we reserve the right to not credit your VISA® Debit Card is not exempt from the “no liability” rule under VISA® USA operating rulesaccount. If we confirm an error, we will correct your liability is limited to that indicated account record within ten (10) business days, or twenty (20) business days in the separate VISA® Debit Card section abovecase of point of sale or international transaction. If we determine that there was no error, we will send you a written explanation within three (3) business days after we conclude our investigation and will debit any interim amounts credited to your account. You may request copies of any documents that we use in our investigation.

Unauthorized Transactions. All EFTs Your Liability for Unauthorized Use Tell us AT ONCE if If you believe that your Card, PIN, think a processed Transaction is unauthorised or Internet Banking, Mobile Banking and Bill Payment password or access code has been lost or stolen or may be subject incorrectly executed, you must notify WorldSec immediately via email at ▇▇▇▇▇▇@▇▇▇▇▇▇▇▇▇.▇▇▇▇▇▇▇. We will investigate the circumstances, and, will make efforts to unauthorized use, or if trace the Transaction immediately per your request and will notify you believe that an electronicfund transfer has been made without your permission using information from your check. Please refer to about the “HOW TO CONTACT US” section at the end of this Agreement for how to provide this notification. Telephoning is the best way to keep losses down. You could lose all the money in your account plus your maximum overdraft line of credit if you fail to promptly report unauthorized use of an ATM Card, Internet Banking, Mobile Banking and Bill Payment, or certain unauthorized use of a VISA® Debit Cardresult. If you believe your Card that you did not authorise a particular Transaction, or code has been lost that a Transaction or stolen or otherwise made available to an unauthorized person, and deduction was incorrectly executed: 10.1 You must contact us without undue delay (i.e. as soon as you tell us within two (2) business days after you learn become aware of the problem). We will not be held liable for any Transaction that was unauthorised or incorrectly executed if you have failed to contact us without undue delay – in these circumstances you may be held liable for the entire loss of theftthe Transaction. You should also describe the disputed Transaction in writing, you can lose no more than $50 if someone used your card or PIN without your permission. However, if you DO NOT tell us within two (2) business days after you learn setting out full details of the lossTransaction and your reason for disputing it. 10.2 You must provide us with all receipts and information that are relevant to your claim. Subject to you notifying us without undue delay, theftwe shall refund to you the amount of any Transaction notauthorised by you immediately. If we subsequently establish that the Transaction was authorised by you, or other unauthorized use you have acted fraudulently or have with intent or gross negligence failed to keep your Account’s security details safe, we may deduct the amount of the Transaction from your Card or code, and we can prove that we could have stopped someone from using your Card or code without your permission, you could lose as much as $500. (Under California law, this paragraph does not apply to the VISA® Debit Card even if the unauthorized use is exempt from the VISA® zero liability rule.) Also, if your statement shows unauthorized transactions, tell us at onceAccount balance. If you do not tell have sufficient Account balance for the deduction, you must repay us within sixty (60) days after the statement was mailed to you, we are not obligated to refund 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. That means you could lose all the money in your account plus your maximum overdraft line of creditamount immediately on demand. If a good reason (such as a long trip you have acted fraudulently or a hospital stay) kept have with intent or gross negligence failed to keep your Account security details safe, you from informing uswill also be liable for all losses we suffer in connection with the unauthorised Transaction, we may extend the time periods. If unauthorized use of your VISA® Debit Card is including but not exempt from the “no liability” rule under VISA® USA operating rules, your liability is limited to that indicated the cost of any investigation we carry out in relation to the separate VISA® Debit Card section aboveTransaction.

Unauthorized Transactions. All EFTs Your Liability 20.1. Under the payment system’s operating rules, unless you have been grossly negligent or have engaged in fraud, you will not be liable for Unauthorized Use Tell us AT ONCE if you believe that any unauthorized transaction using your Card, PIN, or Internet Banking, Mobile Banking and Bill Payment password or access code has been lost or stolen or may be subject to unauthorized use, or if you believe that an electronicfund transfer has been made without your permission using information from your check. Please refer to the “HOW TO CONTACT US” section at the end of this Agreement for how to provide this notification. Telephoning is the best way to keep losses downcard. You could lose all the money in your account plus your maximum overdraft line of credit if you fail to promptly report unauthorized use of an ATM Card, Internet Banking, Mobile Banking and Bill Payment, or certain unauthorized use of a VISA® Debit Card. If you believe your Card or code has been lost or stolen or otherwise made available to an unauthorized person, and you tell must notify us within two (2) business days after you learn of the loss transaction at issue in order to take advantage of theftany such limited liability provisions. 20.2. You agree to safeguard your Card against unauthorized use by taking all reasonable precautions. If you believe that someone has made an unauthorized transaction with your Card (or may attempt to use your Card without permission) or you believe an error has occurred with your Card, you can lose agree to notify us immediately by ▇▇▇▇▇▇▇@▇▇▇▇▇▇.▇▇▇ and in no more event later than $50 seven (7) days of the date of the transaction at issue. When you notify us, you must provide your name, Card number, and other identifying details and describe the error or transaction you are unsure about. We cannot assist you if someone used you do not have the Card number. Once we receive your card notification, we may temporarily freeze your Card Account and block your Card for security purposes. In the event of the actual or PIN without suspected unauthorized use, we will cancel your permissionCard, and if our records show that available funds remain on your Card, we will issue you a replacement Card loaded with the remaining value. HoweverWe reserve the right to decline to issue you a replacement Card in accordance with the Applicable Law at our sole discretion. You agree to assist us in determining the facts relating to any possible unauthorized use or error associated with your Card and to comply with the procedures we may require for our investigation. Following our investigation, if you DO NOT tell us within two (2) business days after you learn of the loss, theft, or other we determine that unauthorized use of or an error has occurred with your Card, we will credit your Card or code, and we can prove that we could have stopped someone from using your Card or code without your permission, you could lose as much as $500. (Under California law, this paragraph does not apply to in the VISA® Debit Card even if amount of the unauthorized use is exempt from the VISA® zero liability rule.) Also, if your statement shows unauthorized transactions, tell us at onceor error. If you do not tell us within sixty It may take up to thirty (6030) days after the statement was mailed to you, we are not obligated to refund any money provide 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. That means you could lose all the money in your account plus your maximum overdraft line of credit. If with a good reason (such as a long trip or a hospital stay) kept you from informing us, we may extend the time periods. If unauthorized use of your VISA® Debit Card is not exempt from the “no liability” rule under VISA® USA operating rules, your liability is limited to that indicated in the separate VISA® Debit Card section abovereplacement card.

Unauthorized Transactions. All EFTs Your Liability for Unauthorized Use Tell us AT ONCE If you think a processed Transaction is unauthorised or has been incorrectly executed, you must notify WorldSec immediately via email at ▇▇▇▇▇▇▇@▇▇▇▇▇▇▇▇▇▇▇.▇▇▇. We will investigate the circumstances, and, if you believe that your Cardask WorldSec to, PIN, or Internet Banking, Mobile Banking will make efforts to trace the Transaction immediately and Bill Payment password or access code has been lost or stolen or may be subject to unauthorized use, or if will notify you believe that an electronicfund transfer has been made without your permission using information from your check. Please refer to of the “HOW TO CONTACT US” section at the end of this Agreement for how to provide this notification. Telephoning is the best way to keep losses down. You could lose all the money in your account plus your maximum overdraft line of credit if you fail to promptly report unauthorized use of an ATM Card, Internet Banking, Mobile Banking and Bill Payment, or certain unauthorized use of a VISA® Debit Cardoutcome. If you believe your Card that you did not authorise a particular Transaction, or code has been lost that a Transaction or stolen or otherwise made available to an unauthorized person, and deduction was incorrectly executed: 10.1 You must contact us without undue delay (i.e. as soon as you tell us within two (2) business days after you learn become aware of the problem). We will not be held liable for any Transaction that was unauthorised or incorrectly executed if you have failed to contact us without undue delay – in these circumstances you may be held liable for the entire loss of theftthe Transaction. You should also describe the disputed Transaction in writing, you can lose no more than $50 if someone used your card or PIN without your permission. However, if you DO NOT tell us within two (2) business days after you learn setting out full details of the lossTransaction and your reason for disputing it. 10.2 You must provide us with all receipts and information that are relevant to your claim. Subject to you notifying us without undue delay, theftwe shall refund to you the amount of any Transaction not authorised by you immediately. If we subsequently establish that the Transaction was authorised by you, or other unauthorized use you have acted fraudulently or have with intent or gross negligence failed to keep your Account’s security details safe, we may deduct the amount of the Transaction from your Card or code, and we can prove that we could have stopped someone from using your Card or code without your permission, you could lose as much as $500. (Under California law, this paragraph does not apply to the VISA® Debit Card even if the unauthorized use is exempt from the VISA® zero liability rule.) Also, if your statement shows unauthorized transactions, tell us at onceAccount balance. If you do not tell have sufficient Account balance for the deduction, you must repay us within sixty (60) days after the statement was mailed to you, we are not obligated to refund 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. That means you could lose all the money in your account plus your maximum overdraft line of creditamount immediately on demand. If a good reason (such as a long trip you have acted fraudulently or a hospital stay) kept have with intent or gross negligence failed to keep your Account security details safe, you from informing uswill also be liable for all losses we suffer in connection with the unauthorised Transaction, we may extend the time periods. If unauthorized use of your VISA® Debit Card is including but not exempt from the “no liability” rule under VISA® USA operating rules, your liability is limited to that indicated the cost of any investigation we carry out in relation to the separate VISA® Debit Card section aboveTransaction.

Unauthorized Transactions. All EFTs Your Liability 5.1. You must notify Us of any unauthorized Transactions through our Card Services number without undue delay and in any event no later than six months (6) months of the Transaction debit date. We will request that You provide additional written information concerning any such Transaction and You must comply with such request. 5.2. You will be liable for Unauthorized Use Tell us AT ONCE all losses in respect of the Card if you believe that your Card, PIN, or Internet Banking, Mobile Banking and Bill Payment password or access code has been lost or stolen or may be subject have (i) acted fraudulently; (ii) failed to unauthorized use, or if you believe that an electronicfund transfer has been made use the Card in accordance with the Agreement; (iii) have failed to notify Us without your permission using information from your check. Please refer to the “HOW TO CONTACT US” section at the end of this Agreement for how to provide this notification. Telephoning is the best way to keep losses down. You could lose all the money in your account plus your maximum overdraft line of credit if you fail to promptly report unauthorized use of an ATM Card, Internet Banking, Mobile Banking and Bill Payment, or certain unauthorized use of a VISA® Debit Card. If you believe your Card or code has been lost or stolen or otherwise made available to an unauthorized person, and you tell us within two (2) business days after you learn of the loss of theft, you can lose no more than $50 if someone used your card or PIN without your permission. However, if you DO NOT tell us within two (2) business days after you learn undue delay on becoming aware of the loss, thefttheft or misuse of the Card; or (iv) have failed to take all reasonable Card Member Terms and Conditions (v.1.0) steps to keep the Card’s security features safe. 5.3. Where You are not liable for an unauthorized Transaction, we will refund the value of that Transaction and will have no further liability to you for any other losses You may suffer. If Our investigations conclude that the Transaction you have disputed has been authorized by You, or other unauthorized use on Your behalf, or You have acted fraudulently, We will not refund the value of the Transaction. 5.4. You should check your Card or code, and we can prove that we could have stopped someone from using your Card or code without your permission, you could lose as much as $500. (Under California law, this paragraph does not apply to the VISA® Debit Card even if the unauthorized use is exempt from the VISA® zero liability rule.) Also, if your statement shows unauthorized transactions, tell us at onceTransaction history regularly. If you notice an error or a card Transaction that You do not recognise, you must tell us within sixty as soon as possible and no later than (602) days after months from the statement was mailed date of the Transaction debit date. We may also ask for additional information to you, we are help us investigate. We will not obligated to refund any money you lost after the sixty (60) days, unauthorised Transaction if we can prove that think that: • You have acted fraudulently, • You have intentionally or with gross negligence failed to use the card in accordance with these Terms and Conditions, • You have intentionally or with gross negligence failed to take reasonable steps to keep the personalised security details safe, or • You have failed to notify us without undue delay. Even if we could have stopped someone from taking the money if refunded you had told us in time. That means you could lose all the money in your account plus your maximum overdraft line of credit. If a good reason (such as a long trip or a hospital stay) kept you from informing usfor any unauthorised Transaction, we may extend later deduct the time periods. If unauthorized use of amount refunded from your VISA® Debit Card is card if we conclude after further investigation that you authorised the Transaction or you were not exempt from the “no liability” rule under VISA® USA operating rules, your liability is limited entitled to that indicated in the separate VISA® Debit Card section abovea refund or you acted fraudulently.

Unauthorized Transactions. All EFTs Your Liability 20.1. Under the payment system’s operating rules, unless you have been grossly negligent or have engaged in fraud, you will not be liable for Unauthorized Use Tell us AT ONCE if you believe that any unauthorized transaction using your Card, PIN, or Internet Banking, Mobile Banking and Bill Payment password or access code has been lost or stolen or may be subject to unauthorized use, or if you believe that an electronicfund transfer has been made without your permission using information from your check. Please refer to the “HOW TO CONTACT US” section at the end of this Agreement for how to provide this notification. Telephoning is the best way to keep losses downcard. You could lose all the money in your account plus your maximum overdraft line of credit if you fail to promptly report unauthorized use of an ATM Card, Internet Banking, Mobile Banking and Bill Payment, or certain unauthorized use of a VISA® Debit Card. If you believe your Card or code has been lost or stolen or otherwise made available to an unauthorized person, and you tell must notify us within two (2) business days after you learn of the loss transaction at issue in order to take advantage of theftany such limited liability provisions. 20.2. You agree to safeguard your Card against unauthorized use by taking all reasonable precautions. If you believe that someone has made an unauthorized transaction with your Card (or may attempt to use your Card without permission) or you believe an error has occurred with your Card, you can lose agree to notify us immediately by ▇▇▇▇▇▇▇@▇▇▇▇▇▇.▇▇▇ and in no more event later than $50 seven (7) days of the date of the transaction at issue. When you notify us, you must provide your name, Card number and other identifying details, and describe the error or transaction that you are unsure about. We cannot assist you if someone used you do not have the Card number. Once we receive your card notification, we may temporarily freeze your Card Account and block your Card for security purposes. In the event of the actual or PIN without suspected unauthorized use, we will cancel your permissionCard, and if our records show that available funds remain on your Card, we will issue you a replacement Card loaded with the remaining value. HoweverWe reserve the right to decline to issue you a replacement Card in accordance with the Applicable Law at our sole discretion. You agree to assist us in determining the facts relating to any possible unauthorized use or error associated with your Card, and to comply with the procedures we may require for our investigation. Following our investigation, if you DO NOT tell us within two (2) business days after you learn of the loss, theft, or other we determine that unauthorized use of or an error has occurred with your Card, we will credit your Card or code, and we can prove that we could have stopped someone from using your Card or code without your permission, you could lose as much as $500. (Under California law, this paragraph does not apply to in the VISA® Debit Card even if amount of the unauthorized use is exempt from the VISA® zero liability rule.) Also, if your statement shows unauthorized transactions, tell us at onceor error. If you do not tell us within sixty It may take up to thirty (6030) days after the statement was mailed to you, we are not obligated to refund any money provide 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. That means you could lose all the money in your account plus your maximum overdraft line of credit. If with a good reason (such as a long trip or a hospital stay) kept you from informing us, we may extend the time periods. If unauthorized use of your VISA® Debit Card is not exempt from the “no liability” rule under VISA® USA operating rules, your liability is limited to that indicated in the separate VISA® Debit Card section abovereplacement card.

Unauthorized Transactions. All EFTs Your Liability 5.1. You must notify us of any unauthorized Transactions through our Card Services number without undue delay and in any event no later than six months (6) months of the Transaction debit date. We will request that you provide additional written information concerning any such Transaction and you must comply with such request. 5.2. You will be liable for Unauthorized Use Tell us AT ONCE all losses in respect of the Card if you believe that your Card, PIN, or Internet Banking, Mobile Banking and Bill Payment password or access code has been lost or stolen or may be subject have (i) acted fraudulently; (ii) failed to unauthorized use, or if you believe that an electronicfund transfer has been made use the Card in accordance with the Agreement; (iii) have failed to notify us without your permission using information from your check. Please refer to the “HOW TO CONTACT US” section at the end of this Agreement for how to provide this notification. Telephoning is the best way to keep losses down. You could lose all the money in your account plus your maximum overdraft line of credit if you fail to promptly report unauthorized use of an ATM Card, Internet Banking, Mobile Banking and Bill Payment, or certain unauthorized use of a VISA® Debit Card. If you believe your Card or code has been lost or stolen or otherwise made available to an unauthorized person, and you tell us within two (2) business days after you learn of the loss of theft, you can lose no more than $50 if someone used your card or PIN without your permission. However, if you DO NOT tell us within two (2) business days after you learn undue delay on becoming aware of the loss, thefttheft or misuse of the Card; or (iv) have failed to take all reasonable steps to keep the Card’s security features safe. 5.3. Where you are not liable for an unauthorized Transaction, we will refund the value of that Transaction and will have no further liability to you for any other losses you may suffer. If Our investigations conclude that the Transaction you have disputed has been authorized by you, or other unauthorized use on your behalf, or you have acted fraudulently, we will not refund the value of the Transaction. 5.4. You should check your Card or code, and we can prove that we could have stopped someone from using your Card or code without your permission, you could lose as much as $500. (Under California law, this paragraph does not apply to the VISA® Debit Card even if the unauthorized use is exempt from the VISA® zero liability rule.) Also, if your statement shows unauthorized transactions, tell us at onceTransaction history regularly. If you notice an error or a card Transaction that you do not recognise, you must tell us within sixty as soon as possible and no later than (602) days after months from the statement was mailed date of the Transaction debit date. We may also ask for additional information to you, we are help us investigate. We will not obligated to refund any money you lost after the sixty (60) days, unauthorised Transaction if we can prove that think that: ● you have acted fraudulently, ● you have intentionally or with gross negligence failed to use the card in accordance with these Terms and Conditions, ● you have intentionally or with gross negligence failed to take reasonable steps to keep the personalised security details safe, or ● you have failed to notify us without undue delay. Even if we could have stopped someone from taking the money if refunded you had told us in time. That means you could lose all the money in your account plus your maximum overdraft line of credit. If a good reason (such as a long trip or a hospital stay) kept you from informing usfor any unauthorised Transaction, we may extend later deduct the time periods. If unauthorized use of amount refunded from your VISA® Debit Card is card if we conclude after further investigation that you authorised the Transaction or you were not exempt from the “no liability” rule under VISA® USA operating rules, your liability is limited entitled to that indicated in the separate VISA® Debit Card section abovea refund or you acted fraudulently.

Unauthorized Transactions. All EFTs Your Liability for Unauthorized Use Tell You should notify us AT ONCE immediately if you believe that anyone has improperly obtained your Card, PIN, or Internet Banking, Mobile Banking and Bill Payment password or access code has been lost or stolen or may be subject to unauthorized use, or if you believe that an electronicfund transfer suspect any fraudulent activity in your account(s). If your password has been made without your permission using information from your check. Please refer to the “HOW TO CONTACT US” section at the end of this Agreement for how to provide this notification. Telephoning is the best way to keep losses down. You could lose all the money in your account plus your maximum overdraft line of credit if you fail to promptly report unauthorized use of an ATM Card, Internet Banking, Mobile Banking and Bill Payment, or certain unauthorized use of a VISA® Debit Card. If you believe your Card or code has been lost or stolen or otherwise made available to an unauthorized person, compromised and you tell us within two (2) business days after you learn of discovering the loss of theftor misappropriation, you can lose no more than $50 if someone used your card or PIN without your permission50. However, if If you DO NOT do not tell us within the two (2) business days after you learn of the loss, theft, or other unauthorized use of your Card or code, and we can prove that we could have stopped someone from using your Card or code without your permissionday period, you could lose as much as $500500 if we could have stopped the use of your accounts had we received notice in a timely manner. You should contact us as soon as you identify any errors or discrepancies in your statement or transaction record, or if you need any information about a transaction listed on the statement or transaction record. Susquehanna Community Bank Operations Department ▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇, PA 17886 (570) 568-6851 BUSINESS DAYS: Monday, Tuesday, Wednesday, Thursday, and Friday. Holidays are not included. We must hear from you no later than sixty (60) days after we have sent the first statement on which the problem or error appeared. (Under California lawIf you notify us verbally, this paragraph does not apply to the VISA® Debit Card even if the unauthorized use is exempt from the VISA® zero liability rule.we may require that you send us your complaint or question in writing or electronically within ten (10) Also, if your statement shows unauthorized transactions, tell us at oncebusiness days). If you do not tell us within sixty (60) 60 days after the statement was mailed to you, we are you may not obligated to refund get back any money you lost after the sixty (60) days, 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. That means you could lose all the money in your account plus your maximum overdraft line of credit. If a We may extend these time periods for good reason (reasons such as out-of-town travel or extended hospital stays. When you report a long trip problem or discrepancy, please: (i) tell us your name and account number; (ii) describe the error or the transaction you are unsure about, and explain why you believe it is in error or what additional information you need; (iii) tell us the dollar amount of any suspected error; and (iv) for a hospital stay▇▇▇▇ payment, tell us the number of the account used to pay the ▇▇▇▇, the applicable payee name and account number, the date the payment was sent, the payment amount and the payment reference number. Generally speaking, we will tell you the results of our investigation within ten (10) kept you business days, or twenty (20) business days in the case of international transactions, after we hear from informing usyou. However, we may extend take up to forty-five (45) days, or ninety (90) days in the case of international transactions, to investigate your complaint or question. In this case, we may provisionally credit your account so that you have use of the money during the time periodsit takes us to complete our investigation. If unauthorized use you fail to provide your complaint or question in writing within ten (10) business days of a request from us to do so, we reserve the right to not credit your VISA® Debit Card is not exempt from the “no liability” rule under VISA® USA operating rulesaccount. If we confirm an error, we will correct your liability is limited to that indicated account record within ten (10) business days, or twenty (20) business days in the separate VISA® Debit Card section abovecase of international transaction. If we determine that there was no error, we will send you a written explanation within three (3) business days after we conclude our investigation and will debit any interim amounts credited to your account. You may request copies of any documents that we use in our investigation.

Unauthorized Transactions. All EFTs Your Liability for Unauthorized Use Tell You must notify us AT ONCE immediately if you believe that anyone has improperly obtained your Card, PIN, or Internet Banking, Mobile Banking and Bill Payment password or access code has been lost or stolen or may be subject to unauthorized use, or if you believe that an electronicfund transfer suspect any fraudulent activity in your account(s). If your password has been made without your permission using information from your check. Please refer to the “HOW TO CONTACT US” section at the end of this Agreement for how to provide this notification. Telephoning is the best way to keep losses down. You could lose all the money in your account plus your maximum overdraft line of credit if you fail to promptly report unauthorized use of an ATM Card, Internet Banking, Mobile Banking and Bill Payment, or certain unauthorized use of a VISA® Debit Card. If you believe your Card or code has been lost or stolen or otherwise made available to an unauthorized person, compromised and you tell us within two (2) business days after you learn of discovering the loss of theftor misappropriation, you can lose no more than $50 if someone used your card or PIN without your permission50. However, if If you DO NOT do not tell us within two (2) business days after you learn of discovering the loss, theft, loss or other unauthorized use of your Card or code, and we can prove that we could have stopped someone from using your Card or code without your permissionmisappropriation, you could lose as much as $500500 if we could have stopped the use of your accounts had we received notice in a timely manner. (Under California law, this paragraph does not apply to the VISA® Debit Card even if the unauthorized use is exempt from the VISA® zero liability rule.) Also, if You should contact us as soon as you identify any errors or discrepancies in your statement shows unauthorized transactionsor transaction record, tell us at onceor if you need any information about a transaction listed on the statement or transaction record. If We must hear from you do not tell us within no later than sixty (60) days after we have sent the first statement was mailed to youon which the problem or error appeared (if you notify us verbally, we are not obligated may require that you send us your complaint or question in writing or electronically within ten (10) business days). If you fail to refund any money you lost after notify us within the sixty (60) daysday period, you may not recover any of the money you lost if we can prove establish that we the loss could have stopped someone from taking the money if been avoided had you had told notified us in on time. That means We may extend these time periods for circumstances that were beyond your control. When you could lose all report a problem or discrepancy, please: (i) tell us your name and account number; (ii) describe the money error or the transaction you are unsure about and explain why you believe it is in your error or what additional information you need; (iii) tell us the dollar amount of any suspected error; and (iv) for a bill payment, tell us the number of the account plus your maximum overdraft line used to pay the bill, the applicable payee name and account number, the date the payment was sent, the payment amount and the payment reference number. Generally speaking, we will tell you the results of creditour investigation within ten (10) business days, or twenty (20) business days in the case of point of sale or international transactions, after we hear from you. If a good reason (such as a long trip or a hospital stay) kept you from informing usHowever, we may extend take up to forty-five (45) days, or ninety (90) days in the time periodscase of point of sale or international transactions, to investigate your complaint or question. If unauthorized you fail to provide your complaint or question in writing within ten (10) business days of a request from us to do so, we reserve the right to not credit your account. If you confirm an error, we will correct your account record within ten (10) business days, or twenty (20) business days in the case of point of sale or international transactions. If we determine that there was no error, we will send you a written explanation within three (3) business days after we conclude our investigation and will debit any interim amounts credited to your account. You may request copies of any documents that we use in our investigation. E-mail transmissions may not be secure. Any e-mail you send us may be intercepted by a third party outside the security of your VISA® Debit Card is the website. Therefore, we urge you to not exempt from the “no liability” rule under VISA® USA operating rulessend us sensitive information such as account numbers, User Name or Password by using a public e-mail system. Once you have entered our online banking system, your liability information is limited routed through a secure server. Use e-mail to contact us about our products and services, and one of our customer service people will be in contact with you. Finally, please be aware that indicated any electronic mail you send us will become our property and retained for future reference. Clarkson Bank will not send an e-mail requesting any personal information, account numbers, or passwords from you. Information that Clarkson Bank publishes on the World Wide Web may contain links to other sites and third parties may establish links to Clarkson Bank’s site. Clarkson Bank makes no representations about any other web site that you may access to, from or through this site. Unless expressly stated in writing, Clarkson Bank does not endorse the separate VISA® Debit Card section aboveproducts or services offered by any company or person linked to this site nor is Clarkson Bank responsible for any software or the content of any information published on the site of any third party. You should take precautions when downloading files from sites to protect your computer software and data from viruses and other destructive programs.

Unauthorized Transactions. All EFTs Your Liability You are in the best position to discover and report any unauthorized use. You agree that WEST BANK will not be liable for Unauthorized Use Tell us AT ONCE any losses or costs for forgeries or unauthorized transactions that cannot be detected through standard banking procedures, including the automated processing of items and deposits. You acknowledge that WEST BANK, consistent with industry practice, does not scrutinize Depositor signatures, any restrictive legends, or review the number or combination of signatures on an item drawn against your account. You must notify WEST BANK immediately if you believe that your Card, PIN, or Internet Banking, Mobile Banking and Bill Payment password or access code has been lost or stolen or may deposit account could be subject to unauthorized use, or if you believe that an electronicfund transfer has been made without your permission using information from your check. Please refer to the “HOW TO CONTACT US” section at the end of this Agreement for how to provide this notification. Telephoning is the best way to keep losses down. You could lose all the money in your account plus your maximum overdraft line of credit if you fail to promptly report unauthorized use of an ATM Card, Internet Banking, Mobile Banking and Bill Payment, or certain unauthorized use of a VISA® Debit Card. If you believe your Card or code has been lost or stolen or otherwise made available to used by an unauthorized person, and or if an unauthorized transaction has occurred involving your account. Visit us in person, call the Customer Service Department at WEST BANK immediately toll-free at ▇-▇▇▇-▇▇▇-▇▇▇▇, or write us at: WEST BANK Attn: Customer Service 1601 – ▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇ ▇▇▇ ▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇ You agree to review your statement promptly each month. If you tell us within two (2) business days after you learn of the loss of theftthink that an unauthorized transaction has been made, you can lose no more than $50 if someone used your card should notify WEST BANK immediately by phone or PIN without your permission. However, if you DO NOT tell us within two (2) business days after you learn of the loss, theft, or other unauthorized use of your Card or code, and we can prove that we could have stopped someone from using your Card or code without your permission, you could lose as much as $500. (Under California law, this paragraph does not apply to the VISA® Debit Card even if the unauthorized use is exempt from the VISA® zero liability rule.) Also, if your statement shows unauthorized transactions, tell us at oncein person. If you do not tell us notify WEST BANK, the statement will be considered correct. You agree that WEST BANK will not be liable for any unauthorized transactions, including forgeries, alterations, counterfeits, unauthorized signatures, or any other errors or unauthorized charges, unless you provide such notice within a reasonable time, not to exceed thirty (30) days from the statement date. During the thirty (30) day time period, liability for any loss will be allocated between you and WEST BANK, in proportion to responsibility for the loss. WEST BANK may require you to complete an affidavit or other written statement regarding the loss. You further agree that if you do not provide notice of an unauthorized signature or alteration within a reasonable time, not to exceed thirty (30) days from your statement date where the first unauthorized or altered item from the same wrongdoer appeared, you will be liable for any unauthorized signature or alteration prepared by the same wrongdoer. This thirty (30) day limitation is without regard to WEST BANK’s actions and runs concurrently with the thirty (30) day limits discussed in M and N. above. You may not bring any claim against West Bank for an unauthorized transaction, including forgeries, alterations, counterfeits, unauthorized signatures, or any other errors or unauthorized charges, unless you provide notice to West Bank within sixty (60) days after of the statement was mailed to you, we are not obligated to refund date of your statement. In the event of any money you recovery of funds 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. That means you could lose all the money in or stolen as a result of any errors or unauthorized transactions associated with your account plus your maximum overdraft line of credit. If a good reason (such you agree that WEST BANK will have subrogation rights to the recovery to the extent WEST BANK has suffered any loss as a long trip result of the errors or unauthorized transactions. You agree to pursue all rights you may have under any insurance policy you maintain in connection with any loss associated with your account and to provide us with information regarding coverage. Unauthorized transactions involving certain Online Banking and Mobile Banking services have other specific rules not set forth in this Agreement. Refer to your WEST BANK Online and Mobile Banking Agreement and the sub-agreement related to the service you are using for more details. DEBIT CARD TRANSACTIONS (CONSUMER ACCOUNTS ONLY). Consumer accounts are those established by a hospital stay) kept you from informing usnatural person primarily for personal, we may extend the time periodsfamily, or household purposes. If unauthorized use of your VISA® Debit Card is not exempt from the “no liability” rule under VISA® USA operating rules, your liability is limited Please refer to that indicated in the separate VISA® Debit Card section abovedisclosures provided to you for a description of how we handle unauthorized transactions relating to Electronic Funds Transfers.

Unauthorized Transactions. All EFTs Your Liability 12.1 If the Cardholder becomes aware, in any way and/or by reviewing the monthly Card Account Statement, of any unauthorized transactions, he should immediately notify the Bank. Failure to promptly notify the Bank of an unauthorized transaction as per Term 9.5 hereinabove, shall entail loss of the Cardholder’s right to correct the error, if any, and the Bank shall not be liable for Unauthorized Use Tell us AT ONCE if you believe that your Cardany damage or loss against the Cardholder. 12.2 If a payment transaction is carried out without the Cardholder’s authorization, PINthe Bank shall immediately and, or Internet Bankingin any case, Mobile Banking and Bill Payment password or access code has been lost or stolen or may be subject to unauthorized use, or if you believe that an electronicfund transfer has been made without your permission using information from your check. Please refer to the “HOW TO CONTACT US” section at by the end of this Agreement the next business day the latest, following relevant notification of the Cardholder, refund to the Cardholder the relevant amount which was debited to the Card Account and shall restore the said Account by reversing the unauthorized transaction. If a payment service provider is involved, the Cardholder shall claim rectification from the Bank. 12.3 If the unauthorized payment transaction has been carried out with a lost, stolen or misappropriated Card, the following shall apply: (a) The Cardholder is charged with an amount of up to Euro fifty (€50) for how the damage incurred unless: (i) loss, theft or misappropriation of the Payment Instrument could not be detected by the Cardholder prior to the payment; or (ii) the Bank did not provide this notification. Telephoning is the best way to keep losses down. You could lose all the money in your account plus your maximum overdraft line necessary means to enable the notification of credit if you fail to promptly report loss, theft, misappropriation or unauthorized use of an ATM the Payment Instrument by third parties. (b) The Cardholder is liable for the damage in full if the following conditions are met: (i) the damage resulted from the fact that the Cardholder wilfully or out of gross negligence violated one or more of his obligations, as follows: (1) to use the Card in line with the contractual terms governing the issue and use thereof; (2) to take, immediately upon receipt of the Card, Internet Bankingany reasonable measures in order to keep his personalized security features secure; and (3) to notify the Bank or the person appointed by the Bank promptly on becoming aware of loss, Mobile Banking and Bill Payment, theft or certain misappropriation or unauthorized use of a VISA® Debit the Card. If you believe your Card or code ; and (ii) the Bank has been lost or stolen or otherwise made available provided every means necessary to an unauthorized person, and you tell us within two (2) business days after you learn of enable the loss of theft, you can lose no more than $50 if someone used your card or PIN without your permission. However, if you DO NOT tell us within two (2) business days after you learn notification of the loss, theft, misappropriation or other unauthorized use of your Card or code, and we can prove the Payment Instrument by third parties. It is understood that we could have stopped someone from using your Card or code without your permission, you could lose as much as $500. (Under California law, this paragraph does the Cardholder is not apply liable for any damage following relevant notification to the VISA® Debit Bank. The Bank shall block the Card even with immediate effect upon notification by the Cardholder. Following a relevant request, the Bank shall provide the Cardholder, within a time period of eighteen (18) months as of the notification, with evidence that he duly notified the Bank. 12.4 In any case, if the unauthorized use Cardholder acted deceitfully or fraudulently or if the Cardholder failed with intent or gross negligence to fulfil his obligations with regard to safekeeping his Card and personalized Card credentials, the Bank is exempt from any obligation to restore any damage the VISA® zero liability ruleCardholder incurred due to the incorrectly executed or unauthorized payment transaction.) Also, if your statement shows unauthorized transactions, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, we are not obligated to refund 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. That means you could lose all the money in your account plus your maximum overdraft line of credit. If a good reason (such as a long trip or a hospital stay) kept you from informing us, we may extend the time periods. If unauthorized use of your VISA® Debit Card is not exempt from the “no liability” rule under VISA® USA operating rules, your liability is limited to that indicated in the separate VISA® Debit Card section above.

Unauthorized Transactions. All EFTs Your Liability for Unauthorized Use Tell You should notify us AT ONCE immediately if you believe that anyone has improperly obtained your Card, PIN, or Internet Banking, Mobile Banking and Bill Payment password or access code has been lost or stolen or may be subject to unauthorized use, PIN or if you believe that an electronicfund transfer suspect any fraudulent activity in your account(s). If your PIN has been made without your permission using information from your check. Please refer to the “HOW TO CONTACT US” section at the end of this Agreement for how to provide this notification. Telephoning is the best way to keep losses down. You could lose all the money in your account plus your maximum overdraft line of credit if you fail to promptly report unauthorized use of an ATM Card, Internet Banking, Mobile Banking and Bill Payment, or certain unauthorized use of a VISA® Debit Card. If you believe your Card or code has been lost or stolen or otherwise made available to an unauthorized person, compromised and you tell us within two (2) business days after you learn of discovering the loss of theftor misappropriation, you can lose no more than $50 if someone used your card or PIN without your permission50. However, if If you DO NOT do not tell us within the two (2) business days after you learn of the loss, theft, or other unauthorized use of your Card or code, and we can prove that we could have stopped someone from using your Card or code without your permissionday period, you could lose as much as $500500 if we could have stopped the use of your accounts had we received notice in a timely manner. (Under California lawYou should contact us, this paragraph does not apply to or the VISA® Debit Card even if the unauthorized use is exempt from the VISA® zero liability rule.) Also▇▇▇▇ payment provider, if as applicable, as soon as you identify any errors or discrepancies in your statement shows unauthorized transactionsor transaction record, tell us at onceor if you need any information about a transaction listed on the statement or transaction record. If We must hear from you do not tell us within no later than sixty (60) days after we have sent the first statement was mailed to youon which the problem or error appeared (If you notify us verbally, we are not obligated may require that you send us your complaint or question in writing or electronically within ten (10) business days). If you fail to refund any money you lost after notify us within the sixty (60) daysday period, you may not recover any of the money you lost if we can prove establish that we the loss could have stopped someone from taking the money if been avoided had you had told notified us in on time. That means you could lose all the money in your account plus your maximum overdraft line of credit. If a We may extend these time periods for good reason (reasons such as out-of-town travel or extended hospital stays. When you report a long trip problem or discrepancy, please: (i) tell us your name and account number; (ii) describe the error or the transaction you are unsure about, and explain why you believe it is in error or what additional information you need; (iii) tell us the dollar amount of any suspected error; and (iv) for a hospital stay▇▇▇▇ payment, tell us the number of the account used to pay the ▇▇▇▇, the applicable payee name and account number, the date the payment was sent, the payment amount and the payment reference number. Generally speaking, we will tell you the results of our investigation within ten (10) kept you business days, or twenty (20) business days in the case of point of sale or international transactions, after we hear from informing usyou. However, we may extend take up to forty-five (45) days, or ninety (90) days in the case of point of sale or international transactions, to investigate your complaint or question. In this case, we may provisionally credit your account so that you have use of the money during the time periodsit takes us to complete our investigation. If unauthorized use you fail to provide your complaint or question in writing within ten (10) business days of a request from us to do so, we reserve the right to not credit your VISA® Debit Card is not exempt from the “no liability” rule under VISA® USA operating rulesaccount. If we confirm an error, we will correct your liability is limited to that indicated account record within ten (10) business days, or twenty (20) business days in the separate VISA® Debit Card section abovecase of point of sale or international transaction. If we determine that there was no error, we will send you a written explanation within three (3) business days after we conclude our investigation and will debit any interim amounts credited to your account. You may request copies of any documents that we use in our investigation.