Common use of Your Liability for Unauthorized Transfers and Advisability of Prompt Reporting Clause in Contracts

Your Liability for Unauthorized Transfers and Advisability of Prompt Reporting. Tell us AT ONCE if you believe your GECU Debit Card, GECU ATM Card, or any PIN we have issued to you has been lost or stolen. Telephoning is the best way of keeping your possible losses down. Failure to notify us could cause you to lose all the funds available in your Checking Account, Share Account, Checking Line Of Credit, and other accounts you have designated for overdraft protection. Note: If your Card can be used to access a line of credit account directly, then your liability for unauthorized use of the Card in connection with the line of credit account is governed by your line of credit agreement unless the unauthorized access to the line of credit account was for overdraft protection purposes, in which case the disclosures below will apply. For Unauthorized Transactions Using Your GECU Debit Card or Your ATM Card: Under MasterCard’s® zero liability policy, you will not be liable for an unauthorized transaction, as long as you exercised reasonable care in safeguarding the card from risk of loss or theft, and upon becoming aware, promptly report the loss or theft to us. If you do not exercise reasonable care and promptly notify us, your liability will be determined under the standards set forth below for all other transactions. If you notify us within two business days, your liability will not exceed $50 if someone used your Card without your permission. If you do NOT notify us within two business days after you learn of the loss or theft of your Card, and we can prove we could have stopped someone from using your Card without your permission if you had told us, your liability shall not exceed $500. Also, if your statement shows transfers that you did not make, notify us at once. If you do not notify us within 60 days after the statement was delivered 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. Anytime you believe your GECU Audio Response System PIN has been compromised, in addition to notifying us, you should change your PIN to protect your accounts by calling GECU Audio Response System (available 24 hours a day) at: (000) 000-0000 in the El Paso area, 1-800-772-GECU (4328) nationwide or for TDD (000) 000-0000 and follow the directions for a PIN change. * If your GECU Online Banking password has been compromised, log on to our website at xxx.xxxx.xxx, click on the GECU Online Banking icon, and follow the directions for a password change. Remember, it is your responsibility to change your GECU Audio Response System PIN immediately after becoming a GECU member.

Your Liability for Unauthorized Transfers and Advisability of Prompt Reporting. Tell us AT ONCE if you believe your GECU Debit Card, GECU ATM Card, or any PIN we have issued to you has been lost or stolen. Telephoning is the best way of keeping your possible losses down. Failure to notify us could cause you to lose all the funds available in your Checking Account, Share Account, Checking Line Of Credit, and other accounts you have designated for overdraft protection. Note: If your Card can be used to access a line of credit account directly, then your liability for unauthorized use of the Card in connection with the line of credit account is governed by your line of credit agreement unless the unauthorized access to the line of credit account was for overdraft protection purposes, in which case the disclosures below will apply. For Unauthorized Transactions Using Your GECU Debit Card or Your ATM Card: Under MasterCard’s® zero liability policy, you will not be liable for an unauthorized transaction, as long as you exercised reasonable care in safeguarding the card from risk of loss or theft, and upon becoming aware, promptly report the loss or theft to us. If you do not exercise reasonable care and promptly notify us, your liability will be determined under the standards set forth below for all other transactions. If you notify us within two business days, your liability will not exceed $50 if someone used your Card without your permission. If you do NOT notify us within two business days after you learn of the loss or theft of your Card, and we can prove we could have stopped someone from using your Card without your permission if you had told us, your liability shall not exceed $500. Also, if your statement shows transfers that you did not make, notify us at once. If you do not notify us within 60 days after the statement was delivered 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. Anytime you believe your GECU Audio Response System SmartLine PIN has been compromised, in addition to notifying us, you should change your PIN to protect your accounts by calling GECU Audio Response System SmartLine (available 24 hours a day) at: (000) 000-0000 in the El Paso area, 1-800-772-GECU (4328) 0009 nationwide or for TDD (000) 000-0000 and follow the directions for a PIN change. * If your GECU Online Banking password has been compromised, log on to our website at xxx.xxxx.xxx, click on the GECU Online Banking icon, and follow the directions for a password change. Remember, it is your responsibility to change your GECU Audio Response System SmartLine PIN immediately after becoming a GECU member.

Your Liability for Unauthorized Transfers and Advisability of Prompt Reporting. Tell us AT ONCE If your Card or PIN has been lost, stolen, or compromised or if you believe that someone has used your GECU Card or PIN or has transferred or may transfer money from your Account without permission, or if you believe that an electronic fund transfer has been made without your permission using information from your check, NOTIFY US IMMEDIATELY. Telephoning us is the best way of limiting your possible losses. You could lose all the money in your Account plus the maximum amount of your overdraft line of credit. Call 000.000.0000 (in San Antonio) or 800.227- 5328 (outside San Antonio). Our regular business hours are from 9:00 am to 5:00 pm central time. Or write us at: Deposit Administration Department Air Force Federal Credit Union 0000 Xxxxx Xxxxx Xxxx, Xxxxx 000 Xxx Xxxxxxx, XX 00000 For Point-of-Sale Debit Card Transactions with the Visa® Debit Card, GECU ATM Card, . If you believe your Visa® Debit Card or any PIN we have issued to you has been lost or stolen. Telephoning is the best way of keeping your possible losses down. Failure to notify us could cause you to lose all the funds available in your Checking Account, Share Account, Checking Line Of Credit, and other accounts you have designated for overdraft protection. Note: If your Card can be used to access a line of credit account directly, then your liability for unauthorized use of the Card in connection with the line of credit account is governed by your line of credit agreement unless the unauthorized access to the line of credit account was for overdraft protection purposes, in which case the disclosures below will apply. For Unauthorized Transactions Using Your GECU Debit Card or Your ATM Card: Under MasterCard’s® zero liability policy, you will not be liable for an unauthorized transaction, as long as once you exercised reasonable care notify us that someone may or has used your Visa® Debit Card or PIN without your permission. The foregoing liability limitation does not apply if you are grossly negligent or fraudulent in safeguarding the card from risk handling of loss your Account or theft, and upon becoming aware, promptly report the loss or theft to usyour Visa® Debit Card. If you do not exercise reasonable care and promptly notify usIn those cases, your liability will be determined under the standards set forth below for all other transactionsunauthorized transfers. For All Other Unauthorized Transfers. You are responsible for all transactions you authorize under this Agreement. If you notify permit other persons to use your Card or PIN, you are responsible for any transactions they authorize or conduct on any of your Accounts. However, tell us within two business days, at once if you believe your liability will not exceed $50 Card or PIN have been lost or stolen or if someone anyone has used your Card or PIN or accessed your Accounts without your permissionauthorization. If you do NOT notify tell us within two business days after you learn of the loss or theft of your CardCard or PIN, you can lose no more than $50.00 if someone accesses your Accounts without your permission. If you do NOT tell us within two business days after you learn of the unauthorized use of your Card or PIN and we can prove that we could have stopped someone from using accessing your Card Accounts without your permission if you had told us, your liability shall not exceed you could lose as much as $500500.00. Also, if your statement shows transfers that you did not make, notify including those made by your Card, PIN, or other means, tell us at once. If you do not notify tell us within 60 days after the statement was delivered 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 making the money transfers 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. Anytime you believe your GECU Audio Response System PIN has been compromised, in addition to notifying us, you should change your PIN to protect your accounts by calling GECU Audio Response System (available 24 hours a day) at: (000) 000-0000 in the El Paso area, 1-800-772-GECU (4328) nationwide or Business Days. Our business days are Monday through Friday except for TDD (000) 000-0000 and follow the directions for a PIN change. * If your GECU Online Banking password has been compromised, log on to our website at xxx.xxxx.xxx, click on the GECU Online Banking icon, and follow the directions for a password change. Remember, it is your responsibility to change your GECU Audio Response System PIN immediately after becoming a GECU memberfederal holidays.

Your Liability for Unauthorized Transfers and Advisability of Prompt Reporting. Tell us AT ONCE If your Card or PIN has been lost, stolen, or compromised or if you believe that someone has used your GECU Debit Card, GECU ATM CardCard or PIN or has trans- ferred or may transfer money from your Account without permission, or any if you believe that an electronic fund transfer has been made without your permission using information from your check, NOTIFY US IMME- DIATELY. Telephoning us is the best way of limiting your possible losses. You could lose all the money in your Account plus the maximum amount of your overdraft line of credit. Call 000.000.0000 (in San Antonio) or 800.227-5328 (outside San Antonio). Our regular business hours are from 9:00 am to 5:00 pm central time. Or write us at: Air Force Federal Credit Union 0000 Xxxxx Xxxxx Xxxx, Xxxxx 000 Xxx Xxxxxxx, XX 00000 You should also call the number or write to the address listed above if you believe a transfer has been made using the information from your check without your permission. For Point-of-Sale Debit Card Transactions with the Visa Debit Card . If you believe your Visa Debit Card or PIN we have issued to you has been lost or stolen. Telephoning is the best way of keeping your possible losses down. Failure to notify us could cause you to lose all the funds available in your Checking Account, Share Account, Checking Line Of Credit, and other accounts you have designated for overdraft protection. Note: If your Card can be used to access a line of credit account directly, then your liability for unauthorized use of the Card in connection with the line of credit account is governed by your line of credit agreement unless the unauthorized access to the line of credit account was for overdraft protection purposes, in which case the disclosures below will apply. For Unauthorized Transactions Using Your GECU Debit Card or Your ATM Card: Under MasterCard’s® zero liability policy, you will not be liable for an unauthorized transaction, as long as once you exercised reasonable care notify us that someone may or has used your Visa Debit Card or PIN without your permission. The foregoing liability limitation does not apply if you are grossly negligent or fraudulent in safeguarding the card from risk handling of loss your Account or theft, and upon becoming aware, promptly report the loss or theft to usyour Visa Debit Card. If you do not exercise reasonable care and promptly notify usIn those cases, your liability will be determined under the standards set forth below for all other transactionsunauthorized transfers. For All Other Unauthorized Transfers . You are responsible for all trans- actions you authorize under this Agreement. If you notify permit other persons to use your Card or PIN, you are responsible for any transactions they authorize or conduct on any of your Accounts. However, tell us within two business days, at once if you believe your liability will not exceed $50 Card or PIN have been lost or stolen or if someone anyone has used your Card or PIN or accessed your Accounts without your permissionautho- rization. If you do NOT notify tell us within two business days after you learn of the loss or theft of your CardCard or PIN, you can lose no more than $50.00 if someone accesses your Accounts without your permission. If you do NOT tell us within two business days after you learn of the unauthorized use of your Card or PIN and we can prove that we could have stopped someone from using accessing your Card Accounts without your permission if you had told us, your liability shall not exceed you could lose as much as $500500.00. Also, if your statement shows transfers that you did not make, notify including those made by your Card, PIN, or other means, tell us at once. If you do not notify tell us within 60 days after the statement was delivered 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 making the money transfers 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. Anytime you believe your GECU Audio Response System PIN has been compromised, in addition to notifying us, you should change your PIN to protect your accounts by calling GECU Audio Response System (available 24 hours a day) at: (000) 000-0000 in the El Paso area, 1-800-772-GECU (4328) nationwide or 19 Business Days . Our business days are Monday through Friday except for TDD (000) 000-0000 and follow the directions for a PIN change. * If your GECU Online Banking password has been compromised, log on to our website at xxx.xxxx.xxx, click on the GECU Online Banking icon, and follow the directions for a password change. Remember, it is your responsibility to change your GECU Audio Response System PIN immediately after becoming a GECU memberfederal holidays.

Your Liability for Unauthorized Transfers and Advisability of Prompt Reporting. Tell us AT ONCE if you believe your GECU Debit Card, GECU ATM Card, or any PIN we have issued to you has been lost or stolen. Telephoning is the best way of keeping your possible losses down. Failure to notify us could cause you to lose all the funds available in your Checking Account, Share Account, Checking Line Of Credit, and other accounts you have designated for overdraft protection. Note: If your Card can be used to access a line of credit account directly, then your liability for unauthorized use of the Card in connection with the line of credit account is governed by your line of credit agreement unless the unauthorized access to the line of credit account was for overdraft protection purposes, in which case the disclosures below will apply. For Unauthorized Transactions Using Your GECU Debit Card or Your ATM Card: Under MasterCard’s® zero liability policy, you will not be liable for an unauthorized transaction, as long as you exercised reasonable care in safeguarding the card from risk of loss or theft, and upon becoming aware, promptly report the loss or theft to us. If you do not exercise reasonable care and promptly notify us, your liability will be determined under the standards set forth below for all other transactions. If you notify us within two business days, your liability will not exceed $50 if someone used your Card without your permission. If you do NOT notify us within two business days after you learn of the loss or theft of your Card, and we can prove we could have stopped someone from using your Card without your permission if you had told us, your liability shall not exceed $500. Also, if your statement shows transfers that you did not make, notify us at once. If you do not notify us within 60 days after the statement was delivered 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. Anytime you believe your GECU Audio Response System SmartLine PIN has been compromised, in addition to notifying us, you should change your PIN to protect your accounts by calling GECU Audio Response System SmartLine (available 24 hours a day) at: (000) 000-0000 in the El Paso area, 10-800000-772000-GECU (4328) 0000 nationwide or for TDD (000) 000-0000 and follow the directions for a PIN change. * If your GECU Online Banking password has been compromised, log on to our website at xxx.xxxx.xxx, click on the GECU Online Banking icon, and follow the directions for a password change. Remember, it is your responsibility to change your GECU Audio Response System SmartLine PIN immediately after becoming a GECU member.