Common use of Use of Identifying Numbers Clause in Contracts

Use of Identifying Numbers. In the event an order for a funds transfer or a payment through Online Banking identifies a payee, payee’s bank or intermediary bank inconsistently by name and an identifying number (such as account number, ABA routing number or universal identification number), payment may be made by the intermediary or payee bank on the basis of the identifying number, even if the identifying number identifies a person or entity different from the named payee in your funds transfer or payment order and your obligation to pay the payment order shall not be excused by your error. We will rely on the identifying number as proper identification of a payee. Consumer Accounts. Consumers accessing Consumer Accounts using Online Banking or Mobile Banking. Consumer’s Liability for Unauthorized Transfers. Tell us AT ONCE if you believe your PIN/Password/User ID has been lost or stolen. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your Account to which you have access to Online Banking Services, plus your maximum overdraft limit or the balance in any other account connected to your account for overdraft protection. In case of errors or questions about Online Banking transactions, promptly call us at 1-800- 000-0000. Also, if your statement shows transfers that you did not make, including those by card, code or other means, tell us at once. 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. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. For more information on your rights and obligations concerning unauthorized or erroneous transactions, please refer to Central Bank & Trust’s Electronic Fund Transfer Disclosures and Agreement (EFT Agreement), which is an Account disclosure, provided to you when you opened your Consumer Account. If you need another EFT Agreement, call us at 0-000-000-0000. Limitation of Services. By your accessing Online Banking for your Consumer Account, you acknowledge that your online banking services are limited, and subsequent disclosures issued by us, including but not limited to periodic statements and notices, including any change in terms, will be delivered to you by U.S. Mail including, but not limited to, a paper statement. Any Account fees associated with paper statements, as disclosed in your Account disclosures, will apply. You may also be limited tin the use of other services generally available on our consumer online banking platform. Consumer Information Privacy. The Central Bank & Trust Privacy and Security policies explain how we collect and protect personal information and how and why in certain limited cases we may share such information. Please review such disclosures, found at xxx.xxxxxxxxxxx.xxx/xxxxxxx-xxxxxxxx. Notice of loss, theft, unauthorized use or error. If you believe, or any individual acting on your behalf in connection with Online Banking and the Additional Services believes, that any of your Access Credentials have been lost or stolen, that any transaction involving any of your Accounts or any of your internal loan accounts may have been or may be made without your authorization or that we may have made an error with respect to any of your Accounts or any of your internal loan accounts, you or that individual must contact us immediately. You or that individual should contact us as follows: Telephone:

Use of Identifying Numbers. In the event an order for a funds transfer or a payment through Online Banking identifies a payeePayee, payeePayee’s bank or intermediary bank inconsistently by name and an identifying number (such as account number, S.W.I.F.T. address, ABA routing number or universal identification number), payment may be made by the intermediary or payee Payee bank on the basis of the identifying number, even if the identifying number identifies a person or entity different from the named payee Payee in your funds transfer or payment order and your obligation to pay the payment order shall not be excused by your error. We will rely on the identifying number as proper identification of a payeePayee. Consumer Accounts. Consumers accessing Consumer Accounts using Online Banking or Mobile Banking. Consumer’s Liability for Unauthorized Transfers. Tell us AT ONCE if you believe your PIN/Password/User ID has been lost or stolen. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your Account to which you have access to Online Banking Services, plus your maximum overdraft limit or the balance in any other account Account connected to your account Account for overdraft protection. In case of errors or questions about Online Banking transactions, promptly call us at 10-800- 000-000-0000. Also, if your statement shows transfers that you did not make, including those by card, code or other means, tell us at once. 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. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. For more information on your rights and obligations concerning unauthorized or erroneous transactions, please refer to Central Bank & Trust’s Electronic Fund Transfer Disclosures and Agreement (EFT Agreement), which is an Account disclosure, provided to you when you opened your Consumer Account. If you need another EFT Agreement, call us at 0-000-000-0000. Limitation of Services. By your accessing Online Banking for your Consumer Account, you acknowledge that your online banking services are limited, and subsequent disclosures issued by us, including but not limited to periodic statements and notices, including any change in terms, will be delivered to you by U.S. Mail including, but not limited to, a paper statement. Any Account fees associated with paper statements, as disclosed in your Account disclosures, will apply. You may also be limited tin the use of other services generally available on our consumer online banking platform. Consumer Information Privacy. The Central Bank & Trust Privacy and Security policies explain how we collect and protect personal information and how and why in certain limited cases we may share such information. Please review such disclosures, found at xxx.xxxxxxxxxxx.xxx/xxxxxxx-xxxxxxxx. Notice of loss, theft, unauthorized use or error. If you believe, or any individual acting on your behalf in connection with Online Banking and the Additional Services believes, that any of your Access Credentials have been lost or stolen, that any transaction involving any of your Accounts or any of your internal loan accounts may have been or may be made without your authorization or that we may have made an error with respect to any of your Accounts or any of your internal loan accounts, you or that individual must contact us immediately. You or that individual should contact us as follows: Telephone:.

Use of Identifying Numbers. In the event an order for a funds transfer or a payment through Online Banking identifies a payeePayee, payeeXxxxx’s bank or intermediary bank inconsistently by name and an identifying number (such as account number, S.W.I.F.T. address, ABA routing number or universal identification number), payment may be made by the intermediary or payee Payee bank on the basis of the identifying number, even if the identifying number identifies a person or entity different from the named payee Payee in your funds transfer or payment order and your obligation to pay the payment order shall not be excused by your error. We will rely on the identifying number as proper identification of a payeePayee. Consumer Accounts. Consumers accessing Consumer Accounts using Online Banking or Mobile Banking. Consumer’s Liability for Unauthorized Transfers. Tell us AT ONCE if you believe your PIN/Password/User ID has been lost or stolen. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your Account to which you have access to Online Banking Services, plus your maximum overdraft limit or the balance in any other account Account connected to your account Account for overdraft protection. In case of errors or questions about Online Banking transactions, promptly call us at 10-800- 000-000-0000. Also, if your statement shows transfers that you did not make, including those by card, code or other means, tell us at once. 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. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. For more information on your rights and obligations concerning unauthorized or erroneous transactions, please refer to Central Bank & Trust’s Electronic Fund Transfer Disclosures and Agreement (EFT Agreement), which is an Account disclosure, provided to you when you opened your Consumer Account. If you need another EFT Agreement, call us at 0-000-000-0000. Limitation of Services. By your accessing Online Banking for your Consumer Account, you acknowledge that your online banking services are limited, and subsequent disclosures issued by us, including but not limited to periodic statements and notices, including any change in terms, will be delivered to you by U.S. Mail including, but not limited to, a paper statement. Any Account fees associated with paper statements, as disclosed in your Account disclosures, will apply. You may also be limited tin the use of other services generally available on our consumer online banking platform. Consumer Information Privacy. The Central Bank & Trust Privacy and Security policies explain how we collect and protect personal information and how and why in certain limited cases we may share such information. Please review such disclosures, found at xxx.xxxxxxxxxxx.xxx/xxxxxxx-xxxxxxxx. Notice of loss, theft, unauthorized use or error. If you believe, or any individual acting on your behalf in connection with Online Banking and the Additional Services believes, that any of your Access Credentials have been lost or stolen, that any transaction involving any of your Accounts or any of your internal loan accounts may have been or may be made without your authorization or that we may have made an error with respect to any of your Accounts or any of your internal loan accounts, you or that individual must contact us immediately. You or that individual should contact us as follows: Telephone:.