Common use of Unauthorized Transactions Clause in Contracts

Unauthorized Transactions. If you discover a Check forgery, alteration or other unauthorized transaction involving your Account, you must promptly notify us in writing of the relevant facts at the address in the subsection titled “How to Contact Us” in the section titled “General Account Information” in this 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 sufficient 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. You are in the best position to discover and report any unauthorized debit to your Account. If you fail to notify us within a reasonable time (not exceeding 21 days) of an unauthorized signature, alteration, 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 report any such unauthorized transaction within 60 days after your statement, transaction information or the Item is made available to you, you are precluded from asserting the unauthorized transaction against us. If you fail to notify us within 24 hours of the Posting of an unauthorized ACH debit to your Account, we will not be responsible for subsequent unauthorized transactions by the same wrongdoer. Without regard to care or lack of care of either you or 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 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 transaction, you agree to provide us with a declaration containing whatever reasonable information we require regarding your Account, the transaction and the circumstances surrounding the claimed loss. You also agree to make a report to the police and to provide us 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: (a) by the amount of the loss that is caused by your own negligence or lack of care; (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 have a Bank of Hawaii Visa® Debit Card for Business, or Business BankCard, please see your card agreement in connection with your responsibility for unauthorized Automated Teller Machine and point-of-sale transactions. The provisions set forth for consumers on the back of the 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 amount of any insurance proceeds you receive or are entitled to receive for the loss. If we reimburse you for a loss and the loss is covered by insurance, you agree to assign us your rights under the insurance policy to the extent of our reimbursement, in accordance with this provision. Different liability rules may apply to certain Electronic Fund Transfers. For more information see the “e-Bankoh Mobile Banking Services Agreement.”

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 discover a Check forgerybelieve your Card or code has been lost or stolen or otherwise made available to an unauthorized person, alteration 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 transaction involving use of your AccountCard or code, and we can prove that we could have stopped someone from using your Card or code without your permission, you must promptly notify 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 in writing of the relevant facts at the address in the subsection titled “How to Contact Us” in the section titled “General Account Information” in this agreement. You agree to maintain a current Account register and to carefully and promptly review all statements and notices we send to youonce. If you participate in our Check safekeeping service, your statements will be deemed to provide sufficient 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. You are in the best position to discover and report any unauthorized debit to your Account. If you fail to notify do not tell us within a reasonable time sixty (not exceeding 21 days60) of an unauthorized signature, alteration, 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 report any such unauthorized transaction within 60 days after your statement, transaction information or the Item is made available statement was mailed to you, we are not obligated to refund any money you are precluded lost after the sixty (60) days, if we can prove that we could have stopped someone from asserting taking the unauthorized transaction against usmoney 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 fail to notify us within 24 hours of the Posting of an unauthorized ACH debit to your Accountfrom informing us, we will not be responsible for subsequent unauthorized transactions by may extend the same wrongdoer. Without regard to care or lack of care of either you or 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 the Item is made available to you, you are precluded from asserting the unauthorized transaction against usperiods. If you claim a credit or refund because unauthorized use of an unauthorized transaction, you agree to provide us with a declaration containing whatever reasonable information we require regarding your Account, the transaction and the circumstances surrounding the claimed loss. You also agree to make a report to the police and to provide us 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: (a) by the amount of the loss that is caused by your own negligence or lack of care; (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 have a Bank of Hawaii VisaVISA® Debit Card for Business, or Business BankCard, please see your card agreement in connection with your responsibility for unauthorized Automated Teller Machine and point-of-sale transactions. The provisions set forth for consumers on the back of the periodic statements do is 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 amount of any insurance proceeds you receive or are entitled to receive for the loss. If we reimburse you for a loss and the loss is covered by insurance, you agree to assign us your rights under the insurance policy to the extent of our reimbursement, in accordance with this provision. Different liability rules may apply to certain Electronic Fund Transfers. For more information see exempt from the “e-Bankoh Mobile Banking Services Agreementno 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 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 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 discover a Check forgerybelieve your Card or code has been lost or stolen or otherwise made available to an unauthorized person, alteration 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 transaction involving use of your AccountCard or code, and we can prove that we could have stopped someone from using your Card or code without your permission, you must promptly notify 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 in writing of the relevant facts at the address in the subsection titled “How to Contact Us” in the section titled “General Account Information” in this agreement. You agree to maintain a current Account register and to carefully and promptly review all statements and notices we send to youonce. If you participate in our Check safekeeping service, your statements will be deemed to provide sufficient 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. You are in the best position to discover and report any unauthorized debit to your Account. If you fail to notify do not tell us within a reasonable time sixty (not exceeding 21 days60) of an unauthorized signature, alteration, 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 report any such unauthorized transaction within 60 days after your statement, transaction information or the Item is made available statement was mailed to you, we are not obligated to refund any money you are precluded lost after the sixty‌ (60) days, if we can prove that we could have stopped someone from asserting taking the unauthorized transaction against usmoney 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 fail to notify us within 24 hours of the Posting of an unauthorized ACH debit to your Accountfrom informing us, we will not be responsible for subsequent may extend the time periods.‌ If unauthorized transactions by the same wrongdoer. Without regard to care or lack use of care of either you or 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 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 transaction, you agree to provide us with a declaration containing whatever reasonable information we require regarding your Account, the transaction and the circumstances surrounding the claimed loss. You also agree to make a report to the police and to provide us 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: (a) by the amount of the loss that is caused by your own negligence or lack of care; (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 have a Bank of Hawaii Visa® Debit Card for Business, or Business BankCard, please see your card agreement in connection with your responsibility for unauthorized Automated Teller Machine and point-of-sale transactions. The provisions set forth for consumers on the back of the periodic statements do is 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 amount of any insurance proceeds you receive or are entitled to receive for the loss. If we reimburse you for a loss and the loss is covered by insurance, you agree to assign us your rights under the insurance policy to the extent of our reimbursement, in accordance with this provision. Different liability rules may apply to certain Electronic Fund Transfers. For more information see exempt from the “e-Bankoh Mobile Banking Services Agreement.”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. If An unauthorized transfer means a transfer from your Account that is initiated by another person without your authority to initiate the transfer and from which you discover receive no benefit. The term does not include any transfer that you indirectly authorized, such as a Check forgery, alteration or other unauthorized transaction involving your Account, you must promptly notify us in writing of the relevant facts at the address in the subsection titled “How to Contact Us” in the section titled “General Account Information” in this agreement. You agree to maintain transfer that is initiated by 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 sufficient information about your Checks and other transactions for you to determine whether any are forged, altered or unauthorized if the statements provide person who was furnished by you with the Check number, amount and date of payment. You are in the best position means to discover and report any unauthorized debit to your Account. If you fail to notify us within a reasonable time (not exceeding 21 days) of an unauthorized signature, alteration, 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 report any such unauthorized transaction within 60 days after your statement, transaction information or the Item is made available to you, you are precluded from asserting the unauthorized transaction against us. If you fail to notify us within 24 hours of the Posting of an unauthorized ACH debit to your Account, we will not be responsible for subsequent unauthorized transactions by the same wrongdoer. Without regard to care or lack of care of either you or 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 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 transaction, you agree to provide us with a declaration containing whatever reasonable information we require regarding your Account, the transaction and the circumstances surrounding the claimed loss. You also agree to make a report to the police and to provide us 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 access your Account, unless otherwise required by lawyou have given us previous notice that such person is no longer authorized and we have had a reasonable opportunity to act upon your notice. Our You must immediately inform us if you believe any of your Security Credentials have been lost or stolen. You must also tell us if someone has transferred or may transfer funds from an Account without your permission or if you suspect any fraudulent activity on your Account. Telephoning us is the best way to minimize your possible losses. To notify us about any lost Security Credential or about unauthorized transfers from your Account, call us at (000) 000-0000; or write to us at THE BANK & TRUST SSB, P.O Box 4010 Del Rio, TX 78841-4010. In the event of stolen access to your Account(s), you could lose all the money in your Accounts (plus your maximum liability will never exceed the amount of actual damages proven by youoverdraft protection). Our liability will be reduced: If you tell us within two (a2) by the amount Business Days after you learn of the loss that is caused by or theft of your own negligence or lack of care; (b) to the extent that damages could not have been avoided by our exercise of ordinary care; and (c) by any loss recovery that Security Credential, 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 can lose no more than $50.00 if someone used 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 damagesSecurity Credential without your permission. If you have a Bank of Hawaii Visa® Debit Card for Business, or do NOT notify us within two (2) Business BankCard, please see your card agreement in connection with your responsibility for unauthorized Automated Teller Machine and point-of-sale transactions. The provisions set forth for consumers on the back Days after you learn of the periodic statements loss or theft of your Security Credential, and we can prove we could have stopped someone from using your Security Credential without your permission if you had notified us, you could lose as much as $500.00. You should check your Account statement monthly. If it shows any unauthorized transfers, notify us immediately. If you do not apply notify us within sixty (60) days the statement was mailed to business Accounts. You agree to pursue all rights you showing an unauthorized transfer, you may not get back any funds lost after the sixty (60) day period if we can prove we could have under any insurance policy stopped someone from taking the money had you maintain informed us 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 amount of any insurance proceeds you receive or are entitled to receive for the losstime. If a good reason (such as a long trip or a hospital stay) kept you from informing us, we reimburse you for a loss may, at our sole and absolute discretion, extend the loss is covered by insurance, you agree to assign us your rights under the insurance policy to the extent of our reimbursement, in accordance with this provision. Different liability rules may apply to certain Electronic Fund Transfers. For more information see the “e-Bankoh Mobile Banking Services Agreementtime period(s).”

Unauthorized Transactions. If An unauthorized transfer means a transfer from your Account that is initiated by another person without your authority to initiate the transfer and from which you discover receive no benefit. The term does not include any transfer that you indirectly authorized, such as a Check forgerytransfer that is initiated by a person who was furnished by you with the means to access your account, alteration unless you have given us previous notice that such person is no longer authorized and we have had a reasonable opportunity to act upon your notice. You must immediately inform us if you believe any of your Security Credentials have been lost or other stolen. You must also tell us if someone has transferred or may transfer funds from an Account without your permission or if you suspect any fraudulent activity on your Account. Telephoning us is the best way to minimize your possible losses. To notify us about any lost Security Credential or about unauthorized transaction involving transfers from your Account, call us at (000)-000-0000; or write to us at UNITED MISSISSIPPI BANK 00 Xxxxxxx Xxxxxxxxxx Xxxxxxx, Xxxxxxx, XX 00000. In the event of stolen access to your Account(s), you must promptly notify us could lose all the money in writing your Accounts (plus your maximum overdraft line of the relevant facts at the address in the subsection titled “How to Contact Us” in the section titled “General Account Information” in this agreement. You agree to maintain a current Account register and to carefully and promptly review all statements and notices we send to youcredit). If you participate in our Check safekeeping servicetell us within two (2) Business Days after you learn of the loss or theft of your Security Credential, you can lose no more than $50.00 if someone used your statements will be deemed to provide sufficient information about Security Credential without 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. You are in the best position to discover and report any unauthorized debit to your Accountpermission. If you fail to do NOT notify us within a reasonable time two (not exceeding 21 days2) Business Days after you learn of an unauthorized signaturethe loss or theft of your Security Credential, alteration, forgery, counterfeit Check or other unauthorized debit to and we can prove we could have stopped someone from using 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 Security Credential without your permission if you or had notified us, if you could lose as much as $500.00. You should check your Account statement monthly. If it shows any unauthorized transfers notify us immediately. If you do not discover and report any such unauthorized transaction within 60 days after your statement, transaction information or the Item is made available to you, you are precluded from asserting the unauthorized transaction against us. If you fail to notify us within 24 hours of sixty (60) days the Posting of statement was mailed to you showing an unauthorized ACH debit to your Accounttransfer, you may not be reimbursed for any funds lost after the sixty (60) day period if we can prove we could have stopped someone from taking the money if you had informed us in time. If a good reason (such as a long trip or a hospital stay) kept you from informing us, we will not be responsible for subsequent unauthorized transactions by may, at our sole and absolute discretion, extend the same wrongdoer. Without regard to care or lack of care of either you or 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 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 transaction, you agree to provide us with a declaration containing whatever reasonable information we require regarding your Account, the transaction and the circumstances surrounding the claimed loss. You also agree to make a report to the police and to provide us 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: (a) by the amount of the loss that is caused by your own negligence or lack of care; (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 have a Bank of Hawaii Visa® Debit Card for Business, or Business BankCard, please see your card agreement in connection with your responsibility for unauthorized Automated Teller Machine and point-of-sale transactions. The provisions set forth for consumers on the back of the 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 amount of any insurance proceeds you receive or are entitled to receive for the loss. If we reimburse you for a loss and the loss is covered by insurance, you agree to assign us your rights under the insurance policy to the extent of our reimbursement, in accordance with this provision. Different liability rules may apply to certain Electronic Fund Transfers. For more information see the “e-Bankoh Mobile Banking Services Agreement.”period(s).\

Unauthorized Transactions. You should notify us immediately if you believe anyone has improperly obtained your password or if you suspect any fraudulent activity in your account(s). If your password has been compromised and you discover a Check forgery, alteration tell us within two (2) business days of discovering the loss or other unauthorized transaction involving your Accountmisappropriation, you must promptly notify us in writing of the relevant facts at the address in the subsection titled “How to Contact Us” in the section titled “General Account Information” in this agreement. You agree to maintain a current Account register and to carefully and promptly review all statements and notices we send to youcan lose no more than $50. If you participate do not tell us within the two (2) business day period, you could lose as much as $500 if we could have stopped the use of your accounts had we received notice in our Check safekeeping servicea timely manner. You should contact us as soon as you identify any errors or discrepancies in your statement or transaction record, your statements will be deemed to provide sufficient or if you need any information about a transaction listed on the statement or transaction record. Susquehanna Community Bank Operations Department 000 Xxxx Xxxxxx Xxxx Xxxxxx, 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. (If you notify us verbally, we may require that you send us your Checks complaint or question in writing or electronically within ten (10) business days). If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. We may extend these time periods for good reasons such as out-of-town travel or extended hospital stays. When you report a problem or discrepancy, please: (i) tell us your name and other transactions 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 you a bill payment, tell us the number of the account used to determine whether any are forgedpay the bill, altered or unauthorized if the statements provide you with the Check applicable payee name and account number, the date the payment was sent, the payment amount and date the payment reference number. Generally speaking, we will tell you the results of payment. You are our investigation within ten (10) business days, or twenty (20) business days in the best position case of international transactions, after we hear from you. However, we may take up to discover and report any unauthorized debit forty-five (45) days, or ninety (90) days in the case of international transactions, to investigate your Accountcomplaint or question. In this case, we may provisionally credit your account so that you have use of the money during the time it takes us to complete our investigation. If you fail to notify provide your complaint or question in writing within ten (10) business days of a request from us within a reasonable time (to do so, we reserve the right to not exceeding 21 days) of credit your account. If we confirm an unauthorized signature, alteration, forgery, counterfeit Check or other unauthorized debit to your Accounterror, we will not be responsible for subsequent unauthorized non-ACH transactions by correct your account record within ten (10) business days, or twenty (20) business days in the same wrongdoer. Without regard to care or lack case of care of either you or us, if you do not discover and report any such unauthorized transaction within 60 days after your statement, transaction information or the Item is made available to you, you are precluded from asserting the unauthorized transaction against usinternational transaction. If you fail to notify us within 24 hours of the Posting of an unauthorized ACH debit to your Accountwe determine that there was no error, we will not be responsible for subsequent unauthorized transactions by the same wrongdoer. Without regard send you a written explanation within three (3) business days after we conclude our investigation and will debit any interim amounts credited to care or lack of care of either you or 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 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 transaction, you agree to provide us with a declaration containing whatever reasonable information we require regarding your Account, the transaction and the circumstances surrounding the claimed lossaccount. You also agree to make a report to the police and to provide us with a copy may request copies of the report, upon request. We will have a reasonable period of time to investigate the circumstances surrounding any claimed loss. During documents that we use in 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: (a) by the amount of the loss that is caused by your own negligence or lack of care; (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 have a Bank of Hawaii Visa® Debit Card for Business, or Business BankCard, please see your card agreement in connection with your responsibility for unauthorized Automated Teller Machine and point-of-sale transactions. The provisions set forth for consumers on the back of the 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 amount of any insurance proceeds you receive or are entitled to receive for the loss. If we reimburse you for a loss and the loss is covered by insurance, you agree to assign us your rights under the insurance policy to the extent of our reimbursement, in accordance with this provision. Different liability rules may apply to certain Electronic Fund Transfers. For more information see the “e-Bankoh Mobile Banking Services Agreement.”

Unauthorized Transactions. You should notify us immediately if you believe anyone has improperly obtained your password or if you suspect any fraudulent activity in your account(s). If your password has been compromised and you discover a Check forgery, alteration tell us within two (2) business days of discovering the loss or other unauthorized transaction involving your Accountmisappropriation, you must promptly notify us in writing of the relevant facts at the address in the subsection titled “How to Contact Us” in the section titled “General Account Information” in this agreement. You agree to maintain a current Account register and to carefully and promptly review all statements and notices we send to youcan lose no more than $50. If you participate do not tell us within the two (2) business day period, you could lose as much as $500 if we could have stopped the use of your accounts had we received notice in our Check safekeeping servicea timely manner. You should contact us, or the xxxx payment provider, as applicable, as soon as you identify any errors or discrepancies in your statements will be deemed to provide sufficient statement or transaction record, or if you need any information about a transaction listed on the statement or transaction record. 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 (If you notify us verbally, we may require that you send us your Checks and other transactions for you to determine whether any are forged, altered complaint or unauthorized if the statements provide you with the Check number, amount and date of payment. You are question in the best position to discover and report any unauthorized debit to your Accountwriting or electronically within ten (10) business days). If you fail to notify us within the sixty (60) day period, you may not recover any of the money you lost if we can establish that the loss could have been avoided had you notified us on time. We may extend these time periods for good reasons such as out-of-town travel or extended hospital stays. When you report a reasonable time problem or discrepancy, please: (not exceeding 21 daysi) 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 an unauthorized signatureany suspected error; and (iv) for a xxxx payment, alterationtell us the number of the account used to pay the xxxx, forgerythe applicable payee name and account number, counterfeit Check or other unauthorized debit to your Accountthe date the payment was sent, the payment amount and the payment reference number. Generally speaking, we will not be responsible for subsequent unauthorized nontell you the results of our 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. However, we may take up to forty-ACH transactions by five (45) days, or ninety (90) days in the same wrongdoercase of point of sale or international transactions, to investigate your complaint or question. Without regard In this case, we may provisionally credit your account so that you have use of the money during the time it takes us to care or lack of care of either you or us, if you do not discover and report any such unauthorized transaction within 60 days after your statement, transaction information or the Item is made available to you, you are precluded from asserting the unauthorized transaction against uscomplete our investigation. If you fail to notify provide your complaint or question in writing within ten (10) business days of a request from us within 24 hours of to do so, we reserve the Posting of right to not credit your account. If we confirm an unauthorized ACH debit to your Accounterror, we will not be responsible for subsequent unauthorized transactions by correct your account record within ten (10) business days, or twenty (20) business days in the same wrongdoer. Without regard to care case of point of sale or lack of care of either you or 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 the Item is made available to you, you are precluded from asserting the unauthorized transaction against usinternational transaction. If you claim a credit or refund because of an unauthorized transaction, you agree to provide us with a declaration containing whatever reasonable information we require regarding your Account, the transaction and the circumstances surrounding the claimed loss. You also agree to make a report to the police and to provide us 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 investigationdetermine that there was no error, we will have no obligation send you a written explanation within three (3) business days after we conclude our investigation and will debit any interim amounts credited 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: (a) by the amount of the loss that is caused by your own negligence or lack of care; (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 have a Bank of Hawaii Visa® Debit Card for Business, or Business BankCard, please see your card agreement in connection with your responsibility for unauthorized Automated Teller Machine and point-of-sale transactions. The provisions set forth for consumers on the back of the periodic statements do not apply to business Accountsaccount. 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 amount request copies of any insurance proceeds you receive or are entitled to receive for the loss. If documents that we reimburse you for a loss and the loss is covered by insurance, you agree to assign us your rights under the insurance policy to the extent of use in our reimbursement, in accordance with this provision. Different liability rules may apply to certain Electronic Fund Transfers. For more information see the “e-Bankoh Mobile Banking Services Agreementinvestigation.”

Unauthorized Transactions. You should notify us immediately if you believe anyone has improperly obtained your PIN or if you suspect any fraudulent activity in your account(s). If your PIN has been compromised and you discover a Check forgery, alteration tell us within two (2) business days of discovering the loss or other unauthorized transaction involving your Accountmisappropriation, you must promptly notify us in writing of the relevant facts at the address in the subsection titled “How to Contact Us” in the section titled “General Account Information” in this agreement. You agree to maintain a current Account register and to carefully and promptly review all statements and notices we send to youcan lose no more than $50. If you participate do not tell us within the two (2) business day period, you could lose as much as $500 if we could have stopped the use of your accounts had we received notice in our Check safekeeping servicea timely manner. You should contact us, or the bill payment provider, as applicable, as soon as you identify any errors or discrepancies in your statements will be deemed to provide sufficient statement or transaction record, or if you need any information about a transaction listed on the statement or transaction record. 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 (If you notify us verbally, we may require that you send us your Checks and other transactions for you to determine whether any are forged, altered complaint or unauthorized if the statements provide you with the Check number, amount and date of payment. You are question in the best position to discover and report any unauthorized debit to your Accountwriting or electronically within ten (10) business days). If you fail to notify us within the sixty (60) day period, you may not recover any of the money you lost if we can establish that the loss could have been avoided had you notified us on time. We may extend these time periods for good reasons such as out-of-town travel or extended hospital stays. When you report a reasonable time problem or discrepancy, please: (not exceeding 21 daysi) 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 an unauthorized signatureany suspected error; and (iv) for a bill payment, alterationtell us the number of the account used to pay the bill, forgerythe applicable payee name and account number, counterfeit Check or other unauthorized debit to your Accountthe date the payment was sent, the payment amount and the payment reference number. Generally speaking, we will not be responsible for subsequent unauthorized nontell you the results of our 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. However, we may take up to forty-ACH transactions by five (45) days, or ninety (90) days in the same wrongdoercase of point of sale or international transactions, to investigate your complaint or question. Without regard In this case, we may provisionally credit your account so that you have use of the money during the time it takes us to care or lack of care of either you or us, if you do not discover and report any such unauthorized transaction within 60 days after your statement, transaction information or the Item is made available to you, you are precluded from asserting the unauthorized transaction against uscomplete our investigation. If you fail to notify provide your complaint or question in writing within ten (10) business days of a request from us within 24 hours of to do so, we reserve the Posting of right to not credit your account. If we confirm an unauthorized ACH debit to your Accounterror, we will not be responsible for subsequent unauthorized transactions by correct your account record within ten (10) business days, or twenty (20) business days in the same wrongdoer. Without regard to care case of point of sale or lack of care of either you or 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 the Item is made available to you, you are precluded from asserting the unauthorized transaction against usinternational transaction. If you claim a credit or refund because of an unauthorized transaction, you agree to provide us with a declaration containing whatever reasonable information we require regarding your Account, the transaction and the circumstances surrounding the claimed loss. You also agree to make a report to the police and to provide us 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 investigationdetermine that there was no error, we will have no obligation send you a written explanation within three (3) business days after we conclude our investigation and will debit any interim amounts credited 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: (a) by the amount of the loss that is caused by your own negligence or lack of care; (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 have a Bank of Hawaii Visa® Debit Card for Business, or Business BankCard, please see your card agreement in connection with your responsibility for unauthorized Automated Teller Machine and point-of-sale transactions. The provisions set forth for consumers on the back of the periodic statements do not apply to business Accountsaccount. 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 amount request copies of any insurance proceeds you receive or are entitled to receive for the loss. If documents that we reimburse you for a loss and the loss is covered by insurance, you agree to assign us your rights under the insurance policy to the extent of use in our reimbursement, in accordance with this provision. Different liability rules may apply to certain Electronic Fund Transfers. For more information see the “e-Bankoh Mobile Banking Services Agreementinvestigation.”

Unauthorized Transactions. You should notify us immediately if you believe anyone has improperly obtained your PIN or if you suspect any fraudulent activity in your account(s). If your PIN has been compromised and you discover a Check forgery, alteration tell us within two (2) business days of discovering the loss or other unauthorized transaction involving your Accountmisappropriation, you must promptly notify us in writing of the relevant facts at the address in the subsection titled “How to Contact Us” in the section titled “General Account Information” in this agreement. You agree to maintain a current Account register and to carefully and promptly review all statements and notices we send to youcan lose no more than $50. If you participate do not tell us within the two (2) business day period, you could lose as much as $500 if we could have stopped the use of your accounts had we received notice in our Check safekeeping servicea timely manner. You should contact us, or the xxxx payment provider, as applicable, as soon as you identify any errors or discrepancies in your statements will be deemed to provide sufficient statement or transaction record, or if you need any information about a transaction listed on the statement or transaction record. 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 (If you notify us verbally, we may require that you send us your Checks and other transactions for you to determine whether any are forged, altered complaint or unauthorized if the statements provide you with the Check number, amount and date of payment. You are question in the best position to discover and report any unauthorized debit to your Accountwriting or electronically within ten (10) business days). If you fail to notify us within the sixty (60) day period, you may not recover any of the money you lost if we can establish that the loss could have been avoided had you notified us on time. We may extend these time periods for good reasons such as out-of-town travel or extended hospital stays. When you report a reasonable time problem or discrepancy, please: (not exceeding 21 daysi) 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 an unauthorized signatureany suspected error; and (iv) for a xxxx payment, alterationtell us the number of the account used to pay the xxxx, forgerythe applicable payee name and account number, counterfeit Check or other unauthorized debit to your Accountthe date the payment was sent, the payment amount and the payment reference number. Generally speaking, we will not be responsible for subsequent unauthorized nontell you the results of our 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. However, we may take up to forty-ACH transactions by five (45) days, or ninety (90) days in the same wrongdoercase of point of sale or international transactions, to investigate your complaint or question. Without regard In this case, we may provisionally credit your account so that you have use of the money during the time it takes us to care or lack of care of either you or us, if you do not discover and report any such unauthorized transaction within 60 days after your statement, transaction information or the Item is made available to you, you are precluded from asserting the unauthorized transaction against uscomplete our investigation. If you fail to notify provide your complaint or question in writing within ten (10) business days of a request from us within 24 hours of to do so, we reserve the Posting of right to not credit your account. If we confirm an unauthorized ACH debit to your Accounterror, we will not be responsible for subsequent unauthorized transactions by correct your account record within ten (10) business days, or twenty (20) business days in the same wrongdoer. Without regard to care case of point of sale or lack of care of either you or 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 the Item is made available to you, you are precluded from asserting the unauthorized transaction against usinternational transaction. If you claim a credit or refund because of an unauthorized transaction, you agree to provide us with a declaration containing whatever reasonable information we require regarding your Account, the transaction and the circumstances surrounding the claimed loss. You also agree to make a report to the police and to provide us 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 investigationdetermine that there was no error, we will have no obligation send you a written explanation within three (3) business days after we conclude our investigation and will debit any interim amounts credited 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: (a) by the amount of the loss that is caused by your own negligence or lack of care; (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 have a Bank of Hawaii Visa® Debit Card for Business, or Business BankCard, please see your card agreement in connection with your responsibility for unauthorized Automated Teller Machine and point-of-sale transactions. The provisions set forth for consumers on the back of the periodic statements do not apply to business Accountsaccount. 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 amount request copies of any insurance proceeds you receive or are entitled to receive for the loss. If documents that we reimburse you for a loss and the loss is covered by insurance, you agree to assign us your rights under the insurance policy to the extent of use in our reimbursement, in accordance with this provision. Different liability rules may apply to certain Electronic Fund Transfers. For more information see the “e-Bankoh Mobile Banking Services Agreementinvestigation.”

Unauthorized Transactions. You must notify us immediately if you believe anyone has improperly obtained your password or if you suspect any fraudulent activity in your account(s). If your password has been compromised and you discover a Check forgery, alteration tell us within two (2) business days of discovering the loss or other unauthorized transaction involving your Accountmisappropriation, you must promptly notify us in writing of the relevant facts at the address in the subsection titled “How to Contact Us” in the section titled “General Account Information” in this agreement. You agree to maintain a current Account register and to carefully and promptly review all statements and notices we send to youcan lose no more than $50. If you participate do not tell us within two (2) business days of discovering the loss or misappropriation, you could lose as much as $500 if we could have stopped the use of your accounts had we received notice in our Check safekeeping servicea timely manner. You should contact us as soon as you identify any errors or discrepancies in your statement or transaction record, your statements will be deemed to provide sufficient or if you need any information about a transaction listed on the statement or transaction record. 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 (if you notify us verbally, we may require that you send us your Checks and other transactions for you to determine whether any are forged, altered complaint or unauthorized if the statements provide you with the Check number, amount and date of payment. You are question in the best position to discover and report any unauthorized debit to your Accountwriting or electronically within ten (10) business days). If you fail to notify us within the sixty (60) day period, you may not recover any of the money you lost if we can establish that the loss could have been avoided had you notified us on time. We may extend these time periods for circumstances that were beyond your control. When you report a reasonable time problem or discrepancy, please: (not exceeding 21 daysi) 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 an unauthorized signatureany suspected error; and (iv) for a bill payment, alterationtell us the number of the account used to pay the bill, forgerythe applicable payee name and account number, counterfeit Check or other unauthorized debit to your Accountthe date the payment was sent, the payment amount and the payment reference number. Generally speaking, we will not be responsible for subsequent unauthorized nontell you the results of our 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. However, we may take up to forty-ACH transactions by five (45) days, or ninety (90) days in the same wrongdoer. Without regard case of point of sale or international transactions, to care investigate your complaint or lack of care of either you or us, if you do not discover and report any such unauthorized transaction within 60 days after your statement, transaction information or the Item is made available to you, you are precluded from asserting the unauthorized transaction against usquestion. If you fail to notify provide your complaint or question in writing within ten (10) business days of a request from us within 24 hours of to do so, we reserve the Posting of right to not credit your account. If you confirm an unauthorized ACH debit to your Accounterror, we will not be responsible for subsequent unauthorized transactions by correct your account record within ten (10) business days, or twenty (20) business days in the same wrongdoer. Without regard to care case of point of sale or lack of care of either you or 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 the Item is made available to you, you are precluded from asserting the unauthorized transaction against usinternational transactions. If you claim a credit or refund because of an unauthorized transaction, you agree to provide us with a declaration containing whatever reasonable information we require regarding your Account, the transaction and the circumstances surrounding the claimed loss. You also agree to make a report to the police and to provide us 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 investigationdetermine 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. Electronic Mail (E-Mail) E-mail transmissions may not be secure. Any e-mail you send us may be intercepted by a third party outside the security of the website. Therefore, we urge you to not send us sensitive information such as account numbers, User Name or Password by using a public e-mail system. Once you have no obligation entered our online banking system, your information is routed through a secure server. Use e-mail to provisionally credit your Accountcontact us about our products and services, unless otherwise required by law. Our maximum liability and one of our customer service people will never exceed the amount of actual damages proven by be in contact with you. Our liability Finally, please be aware that any electronic mail you send us will be reduced: (a) by 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. Links to other Sites Information that Clarkson Bank publishes on the amount of 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 loss that is caused by your own negligence products or lack of care; (b) to the extent that damages could not have been avoided by our exercise of ordinary care; and (c) services offered by any loss recovery that you obtain from third parties (apportioned in accordance with company or person linked to this provision). We will not be liable site nor is Clarkson Bank responsible 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 software or consequential damages, including loss the content 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 have a Bank of Hawaii Visa® Debit Card for Business, or Business BankCard, please see your card agreement in connection with your responsibility for unauthorized Automated Teller Machine and point-of-sale transactions. The provisions set forth for consumers any information published on the back site of the periodic statements do not apply to business Accountsany third party. You agree should take precautions when downloading files from sites to pursue all rights you may have under any insurance policy you maintain in connection with any loss associated with protect your Account computer software and to provide us with information regarding coverage. Our liability will be reduced, proportionately in accordance with our responsibility for any loss, by the amount of any insurance proceeds you receive or are entitled to receive for the loss. If we reimburse you for a loss data from viruses and the loss is covered by insurance, you agree to assign us your rights under the insurance policy to the extent of our reimbursement, in accordance with this provision. Different liability rules may apply to certain Electronic Fund Transfers. For more information see the “e-Bankoh Mobile Banking Services Agreementother destructive programs.”

Unauthorized Transactions. You should notify us immediately if you believe anyone has improperly obtained your password or if you suspect any fraudulent activity in your account(s). If your password has been compromised and you discover a Check forgery, alteration tell us within two (2) business days of discovering the loss or other unauthorized transaction involving your Accountmisappropriation, you must promptly notify us in writing of the relevant facts at the address in the subsection titled “How to Contact Us” in the section titled “General Account Information” in this agreement. You agree to maintain a current Account register and to carefully and promptly review all statements and notices we send to youcan lose no more than $50. If you participate do not tell us within the two (2) business day period, you could lose as much as $500 if we could have stopped the use of your accounts had we received notice in our Check safekeeping servicea timely manner. You should contact us as soon as you identify any errors or discrepancies in your statement or transaction record, your statements will be deemed to provide sufficient or if you need any information about a transaction listed on the statement or transaction record. Susquehanna Community Bank Operations Department 000 Xxxx Xxxxxx Xxxx Xxxxxx, 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. (If you notify us verbally, we may require that you send us your Checks complaint or question in writing or electronically within ten (10) business days). If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. We may extend these time periods for good reasons such as out-of-town travel or extended hospital stays. When you report a problem or discrepancy, please: (i) tell us your name and other transactions 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 you a xxxx payment, tell us the number of the account used to determine whether any are forgedpay the xxxx, altered or unauthorized if the statements provide you with the Check applicable payee name and account number, the date the payment was sent, the payment amount and date the payment reference number. Generally speaking, we will tell you the results of payment. You are our investigation within ten (10) business days, or twenty (20) business days in the best position case of international transactions, after we hear from you. However, we may take up to discover and report any unauthorized debit forty-five (45) days, or ninety (90) days in the case of international transactions, to investigate your Accountcomplaint or question. In this case, we may provisionally credit your account so that you have use of the money during the time it takes us to complete our investigation. If you fail to notify provide your complaint or question in writing within ten (10) business days of a request from us within a reasonable time (to do so, we reserve the right to not exceeding 21 days) of credit your account. If we confirm an unauthorized signature, alteration, forgery, counterfeit Check or other unauthorized debit to your Accounterror, we will not be responsible for subsequent unauthorized non-ACH transactions by correct your account record within ten (10) business days, or twenty (20) business days in the same wrongdoer. Without regard to care or lack case of care of either you or us, if you do not discover and report any such unauthorized transaction within 60 days after your statement, transaction information or the Item is made available to you, you are precluded from asserting the unauthorized transaction against usinternational transaction. If you fail to notify us within 24 hours of the Posting of an unauthorized ACH debit to your Accountwe determine that there was no error, we will not be responsible for subsequent unauthorized transactions by the same wrongdoer. Without regard send you a written explanation within three (3) business days after we conclude our investigation and will debit any interim amounts credited to care or lack of care of either you or 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 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 transaction, you agree to provide us with a declaration containing whatever reasonable information we require regarding your Account, the transaction and the circumstances surrounding the claimed lossaccount. You also agree to make a report to the police and to provide us with a copy may request copies of the report, upon request. We will have a reasonable period of time to investigate the circumstances surrounding any claimed loss. During documents that we use in 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: (a) by the amount of the loss that is caused by your own negligence or lack of care; (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 have a Bank of Hawaii Visa® Debit Card for Business, or Business BankCard, please see your card agreement in connection with your responsibility for unauthorized Automated Teller Machine and point-of-sale transactions. The provisions set forth for consumers on the back of the 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 amount of any insurance proceeds you receive or are entitled to receive for the loss. If we reimburse you for a loss and the loss is covered by insurance, you agree to assign us your rights under the insurance policy to the extent of our reimbursement, in accordance with this provision. Different liability rules may apply to certain Electronic Fund Transfers. For more information see the “e-Bankoh Mobile Banking Services Agreement.”

Unauthorized Transactions. If An unauthorized transfer means a transfer from your Account that is initiated by another person without your authority to initiate the transfer and from which you discover receive no benefit. The term does not include any transfer that you indirectly authorized, such as a Check forgerytransfer that is initiated by a person who was furnished by you with the means to access your account, alteration unless you have given us previous notice that such person is no longer authorized and we have had a reasonable opportunity to act upon your notice. You must immediately inform us if you believe any of your Security Credentials have been lost or other stolen. You must also tell us if someone has transferred or may transfer funds from an Account without your permission or if you suspect any fraudulent activity on your Account. Telephoning us is the best way to minimize your possible losses. To notify us about any lost Security Credential or about unauthorized transaction involving transfers from your Account, call us at (000) 000-0000; or write to us at THE BANK & TRUST SSB, P.O Box 4010 Del Rio, TX 78841-4010. In the event of stolen access to your Account(s), you must promptly notify us could lose all the money in writing of the relevant facts at the address in the subsection titled “How to Contact Us” in the section titled “General Account Information” in this agreement. You agree to maintain a current Account register and to carefully and promptly review all statements and notices we send to youyour Accounts (plus your maximum overdraft protection). If you participate in our Check safekeeping servicetell us within two (2) Business Days after you learn of the loss or theft of your Security Credential, you can lose no more than $50.00 if someone used your statements will be deemed to provide sufficient information about Security Credential without 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. You are in the best position to discover and report any unauthorized debit to your Accountpermission. If you fail to do NOT notify us within a reasonable time two (not exceeding 21 days2) Business Days after you learn of an unauthorized signaturethe loss or theft of your Security Credential, alteration, forgery, counterfeit Check or other unauthorized debit to and we can prove we could have stopped someone from using 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 Security Credential without your permission if you or had notified us, if you could lose as much as $500.00. You should check your Account statement monthly. If it shows any unauthorized transfers, notify us immediately. If you do not discover and report any such unauthorized transaction within 60 days after your statement, transaction information or the Item is made available to you, you are precluded from asserting the unauthorized transaction against us. If you fail to notify us within 24 hours of sixty (60) days the Posting of statement was mailed to you showing an unauthorized ACH debit to your Accounttransfer, you may not get back any funds lost after the sixty (60) day period if we can prove we could have stopped someone from taking the money had you informed us in time. If a good reason (such as a long trip or a hospital stay) kept you from informing us, we will not be responsible for subsequent unauthorized transactions by may, at our sole and absolute discretion, extend the same wrongdoer. Without regard to care or lack of care of either you or 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 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 transaction, you agree to provide us with a declaration containing whatever reasonable information we require regarding your Account, the transaction and the circumstances surrounding the claimed loss. You also agree to make a report to the police and to provide us 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: (a) by the amount of the loss that is caused by your own negligence or lack of care; (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 provisionperiod(s). 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 have a Bank of Hawaii Visa® Debit Card for Business, or Business BankCard, please see your card agreement in connection with your responsibility for unauthorized Automated Teller Machine and point-of-sale transactions. The provisions set forth for consumers on the back of the 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 amount of any insurance proceeds you receive or are entitled to receive for the loss. If we reimburse you for a loss and the loss is covered by insurance, you agree to assign us your rights under the insurance policy to the extent of our reimbursement, in accordance with this provision. Different liability rules may apply to certain Electronic Fund Transfers. For more information see the “e-Bankoh Mobile Banking Services Agreement.”

Unauthorized Transactions. You should notify us immediately if you believe anyone has improperly obtained your password or if you suspect any fraudulent activity in your account(s). If your password has been compromised and you discover a Check forgery, alteration tell us within two (2) business days of discovering the loss or other unauthorized transaction involving your Accountmisappropriation, you must promptly notify us in writing of the relevant facts at the address in the subsection titled “How to Contact Us” in the section titled “General Account Information” in this agreement. You agree to maintain a current Account register and to carefully and promptly review all statements and notices we send to youcan lose no more than $50. If you participate do not tell us within the two (2) business day period, you could lose as much as $500 if we could have stopped the use of your accounts had we received notice in our Check safekeeping servicea timely manner. You should contact us, or the bill payment provider, as applicable, as soon as you identify any errors or discrepancies in your statements will be deemed to provide sufficient statement or transaction record, or if you need any information about a transaction listed on the statement or transaction record. 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 (If you notify us verbally, we may require that you send us your Checks and other transactions for you to determine whether any are forged, altered complaint or unauthorized if the statements provide you with the Check number, amount and date of payment. You are question in the best position to discover and report any unauthorized debit to your Accountwriting or electronically within ten (10) business days). If you fail to notify us within the sixty (60) day period, you may not recover any of the money you lost if we can establish that the loss could have been avoided had you notified us on time. We may extend these time periods for good reasons such as out-of-town travel or extended hospital stays. When you report a reasonable time problem or discrepancy, please: (not exceeding 21 daysi) 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 an unauthorized signatureany suspected error; and (iv) for a bill payment, alterationtell us the number of the account used to pay the bill, forgerythe applicable payee name and account number, counterfeit Check or other unauthorized debit to your Accountthe date the payment was sent, the payment amount and the payment reference number. Generally speaking, we will not be responsible for subsequent unauthorized nontell you the results of our 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. However, we may take up to forty-ACH transactions by five (45) days, or ninety (90) days in the same wrongdoercase of point of sale or international transactions, to investigate your complaint or question. Without regard In this case, we may provisionally credit your account so that you have use of the money during the time it takes us to care or lack of care of either you or us, if you do not discover and report any such unauthorized transaction within 60 days after your statement, transaction information or the Item is made available to you, you are precluded from asserting the unauthorized transaction against uscomplete our investigation. If you fail to notify provide your complaint or question in writing within ten (10) business days of a request from us within 24 hours of to do so, we reserve the Posting of right to not credit your account. If we confirm an unauthorized ACH debit to your Accounterror, we will not be responsible for subsequent unauthorized transactions by correct your account record within ten (10) business days, or twenty (20) business days in the same wrongdoer. Without regard to care case of point of sale or lack of care of either you or 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 the Item is made available to you, you are precluded from asserting the unauthorized transaction against usinternational transaction. If you claim a credit or refund because of an unauthorized transaction, you agree to provide us with a declaration containing whatever reasonable information we require regarding your Account, the transaction and the circumstances surrounding the claimed loss. You also agree to make a report to the police and to provide us 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 investigationdetermine that there was no error, we will have no obligation send you a written explanation within three (3) business days after we conclude our investigation and will debit any interim amounts credited 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: (a) by the amount of the loss that is caused by your own negligence or lack of care; (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 have a Bank of Hawaii Visa® Debit Card for Business, or Business BankCard, please see your card agreement in connection with your responsibility for unauthorized Automated Teller Machine and point-of-sale transactions. The provisions set forth for consumers on the back of the periodic statements do not apply to business Accountsaccount. 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 amount request copies of any insurance proceeds you receive or are entitled to receive for the loss. If documents that we reimburse you for a loss and the loss is covered by insurance, you agree to assign us your rights under the insurance policy to the extent of use in our reimbursement, in accordance with this provision. Different liability rules may apply to certain Electronic Fund Transfers. For more information see the “e-Bankoh Mobile Banking Services Agreementinvestigation.”

Unauthorized Transactions. If To the extent a Service transaction is an “electronic fund transfer” under Consumer Federal Protection Bureau Regulation E (“REG E”), tell us AT ONCE if you discover a Check forgerybelieve your Password has been lost or stolen, alteration or other unauthorized if you believe that an Online Banking transaction involving has been made without your Accountpermission using information from your check. Telephoning is the best way of keeping your possible losses down. Call us at 000- 000-0000 or write to us at Renasant Bank, you must promptly notify us in writing of the relevant facts at the address in the subsection titled “How to Contact Us” in the section titled “General Account Information” in this agreementAttn: Special Products-Electronic Banking Administrator, X.X. Xxx 000, Xxxxxx, XX 00000-0000. You agree could lose all the money in your Accounts (plus the money in any account linked to maintain a current Account register and your Accounts for overdraft protection or may be obligated to carefully and promptly review all statements and notices we send repay the maximum amount of any line of credit established with us to youcover overdrafts). If you participate in our Check safekeeping servicetell us within two (2) Business Days after you learn of the loss, your statements will be deemed to provide sufficient information about your Checks and other transactions for you to determine whether any are forgedtheft, altered or unauthorized transaction, you can lose no more than $50.00 if the statements provide you with the Check number, amount and date of payment. You are in the best position to discover and report any unauthorized debit to someone used your AccountAccess Code without your authorization or made a transaction without your authorization. If you fail to notify do NOT tell us within a reasonable time two (not exceeding 21 days2) Business Days after you learn of an the loss, theft, or unauthorized signaturetransaction, alteration, forgery, counterfeit Check and we can prove we could have stopped someone from using your Access Code or other unauthorized debit to the Service without 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 authorization if you or had told us, you could lose as much as $500.00. Also, if your statement shows a transaction that you did not make or authorize, tell us at once. If you do not discover and report any such unauthorized transaction tell us within 60 sixty (60) days after your statementthe statement was mailed, transaction information electronically transmitted, or the Item is otherwise made available to you, you are precluded may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from asserting taking the unauthorized transaction against usmoney if you had told us in time. If a good reason (such as a long trip or hospital stay) kept you fail to notify us within 24 hours of the Posting of an unauthorized ACH debit to your Accountfrom telling us, we will not extend the time periods as may be responsible reasonable under the circumstances. 3.5.2. B ank’s Failure to Complete Transactions. To the extent that a Service transaction is an “electronic fund transfer” under Reg E that relates to an Account established primarily for subsequent unauthorized transactions by the same wrongdoer. Without regard to care personal, family, or lack of care of either you or ushousehold purposes, if you we do not discover and report any such unauthorized ACH debit transaction within properly complete a reasonable transfer to or from your Account on time (not exceeding 14 days) after your statement, transaction information or in 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 transaction, you agree to provide us with a declaration containing whatever reasonable information we require regarding your Account, the transaction and the circumstances surrounding the claimed loss. You also agree to make a report correct amount according to the police and to provide us with a copy terms of the report, upon request. We will have a reasonable period of time to investigate the circumstances surrounding any claimed loss. During our investigationthis Agreement, 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: (a) by the amount of the loss that is caused by your own negligence or lack of care; (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 carelosses or damages. Unless otherwise required by lawHowever, 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 (and any Payment guarantee provided elsewhere in this Agreement will not be applicable) if we were aware any of the possibility of such damages. If you have a Bank of Hawaii Visa® Debit Card for Business, or Business BankCard, please see your card agreement in connection with your responsibility for unauthorized Automated Teller Machine and point-of-sale transactions. The provisions set forth for consumers on the back of the 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 amount of any insurance proceeds you receive or are entitled to receive for the loss. If we reimburse you for a loss and the loss is covered by insurance, you agree to assign us your rights under the insurance policy to the extent of our reimbursement, in accordance with this provision. Different liability rules may apply to certain Electronic Fund Transfers. For more information see the “e-Bankoh Mobile Banking Services Agreement.”following occurs:

Unauthorized Transactions. If you discover a Check forgery, alteration or other unauthorized transaction involving your Account, you must promptly notify us in writing of the relevant facts at the address in the subsection titled “How to Contact Us” in the section titled “General Account Information” in this 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 sufficient 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. You are in the best position to discover and report any unauthorized debit to your Account. If you fail to notify us within a reasonable time (not exceeding 21 days) of an unauthorized signature, alteration, 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 report any such unauthorized transaction within 60 days after your statement, transaction information or the Item is made available to you, you are precluded from asserting the unauthorized transaction against us. If you fail to notify us within 24 hours of the Posting of an unauthorized ACH debit to your Account, we will not be responsible for subsequent unauthorized transactions by the same wrongdoer. Without regard to care or lack of care of either you or 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 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 transaction, you agree to provide us with a declaration containing whatever reasonable information we require regarding your Account, the transaction and the circumstances surrounding the claimed lossuse. You also agree to make a report to the police and to provide us 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: (a) by the amount of the loss that is caused by your own negligence or lack of care; (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 WEST BANK will not be liable for any loss losses or costs for forgeries or unauthorized transactions that is caused 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 your deposit account could be used by an unauthorized person, or if an unauthorized transaction has occurred involving your account. Visit us in part person, call the Customer Service Department at WEST BANK immediately toll-free at 0-000-000-0000, or write us at: WEST BANK Attn: Customer Service 1601 – 00xx Xxxxxx Xxxx Xxx Xxxxxx, XX 00000 You agree to review your statement promptly each month. If you think that an unauthorized transaction has been made, you should notify WEST BANK immediately by your negligence if we acted with ordinary carephone or in person. Unless otherwise required by lawIf you do not notify WEST BANK, we the statement will be considered correct. You agree that WEST BANK will not be liable for incidental, special or consequential damagesany unauthorized transactions, including loss of profits and/or opportunityforgeries, 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 attorneys’ fees incurred 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 youthe 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, even if we were aware including forgeries, alterations, counterfeits, unauthorized signatures, or any other errors or unauthorized charges, unless you provide notice to West Bank within sixty (60) days of the possibility date of such damagesyour statement. If you have In the event of any recovery of funds lost or stolen as a Bank result of Hawaii Visa® Debit Card for Business, any errors or Business BankCard, please see your card agreement in connection unauthorized transactions associated with your responsibility for unauthorized Automated Teller Machine and point-of-sale transactions. The provisions set forth for consumers on account you agree that WEST BANK will have subrogation rights to the back recovery to the extent WEST BANK has suffered any loss as a result of the periodic statements do not apply to business Accountserrors 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 account and to provide us with information regarding coverage. Our liability will be reducedUnauthorized 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 natural person primarily for personal, proportionately in accordance with our responsibility for any lossfamily, by or household purposes. Please refer to the amount of any insurance proceeds you receive or are entitled separate disclosures provided to receive for the loss. If we reimburse you for a loss and the loss is covered by insurance, you agree description of how we handle unauthorized transactions relating to assign us your rights under the insurance policy to the extent of our reimbursement, in accordance with this provision. Different liability rules may apply to certain Electronic Fund Funds Transfers. For more information see the “e-Bankoh Mobile Banking Services Agreement.”