Common use of Your Liability for Unauthorized Transfers Clause in Contracts

Your Liability for Unauthorized Transfers. If you believe any of your Access Codes has been lost or stolen, you should notify us and change your password immediately. Tell us at once if you believe your statement, account or transaction information, or security information has been lost, stolen, or compromised. Contacting us by phone is the best way of keeping your possible losses down. You could lose all the money in your account, as well as your maximum overdraft line of credit, if applicable. If you tell us within two business days, you can lose no more than $50.00 if someone used your security information without your permission. If you do not tell us within two business days after you learn of the loss or theft of your security information, and we can prove we could have stopped someone from using your security information without your permission if you had notified us, you could lose as much as $500.00. If your statement shows transfers that you did not make, tell us at once. If we do not receive notification from you within sixty calendar days after the statement date, you may not be entitled to any type of account re-credit for lost funds. We will tell you the results of our investigation within ten business days after we hear from you, and will correct any error promptly. If we need more time, however, we may take up to forty-five calendar days to investigate your complaint or question. If we determine we need this extra time, we will provisionally credit your account within ten business days for the amount you think is in error. You will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten business days, we may not provisionally credit your account. If we decide that there was no error, we will send you a written explanation within three business days after we finish our investigation. You may ask for copies of the documents we used in our investigation. Security of Website While the credit union has taken all necessary and optional precautions to ensure the security and safety of its website and the Internet Banking Service, the credit union does not guarantee that downloads from the site will be free of any viruses or other destructive devices. Additionally, you provide, request, and receive information from the site with the knowledge that such information can be intercepted and/or viewed by unknown third parties.

Your Liability for Unauthorized Transfers. If You agree to exercise reasonable control over your PIN(s); user ID(s); and password(s) and any other access code related to your Card Account (each, an “Access Code" collectively access information) and your Card. Tell us AT ONCE if you believe any of your Card or Access Codes Information has been lost or stolen. Also, if your transaction history shows transfers that you should notify us and change did not make, including those made with your password immediately. Tell Card, Card Number or Account Number, or you believe an electronic transfer has been made without your permission, tell us at once if you believe your statement, account or transaction information, or security information has been lost, stolen, or compromisedonce. Contacting Telephoning us by phone at 000-000-0000 is the best way of keeping your possible losses down. You could lose all of the money in your account, as well as Card Account. You agree that any unauthorized use does not include use by a person to whom you have given authority to use your maximum overdraft line Card Account or Access Information and that you will be liable for all such uses and funds transfers by such person(s). If you have a verified/personalized card the following provisions of credit, if applicable. this Section also apply: If you tell us within two business days, you can lose no more than $50.00 if someone used your security information without your permission. If you do not tell us within two 2 business days after you learn of the loss or theft of your security information, Card or Access Information you can lose no more than $50 if someone used your Card or Access Information without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft of your Card or Access Information and we can prove we could have stopped someone from using your security information Card or Access Information without your permission if you had notified ustold us within this time frame, you could lose as much as $500.00500 if someone used your Card or Access Information without your permission. If Also, if your statement electronic history shows transfers transactions that you did not make, including those made by Card, Access Information or by other means, tell us at onceAT ONCE. If we you do not receive notification from you tell us within sixty calendar 120 days after the statement datealleged unauthorized transfer was credited or debited to your Card Account, you may not be entitled to get back any type of account re-credit for money you lost funds. We will tell after this period if we can prove that we could have stopped someone from taking the money if you the results of our investigation within ten business days after we hear from you, and will correct any error promptlyhad told us in time. If we need more time, however, we may take up to forty-five calendar days to investigate your complaint a good reason (such as a long trip or question. If we determine we need this extra timea hospital stay) kept you from learning of the unauthorized transaction and telling us, we will provisionally credit your account within ten business days for the amount you think is in error. You will have the use of the money during extend the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten business days, we may not provisionally credit your account. If we decide that there was no error, we will send you periods for a written explanation within three business days after we finish our investigation. You may ask for copies of the documents we used reasonable period in our investigation. Security of Website While the credit union has taken all necessary and optional precautions to ensure the security and safety of its website and the Internet Banking Service, the credit union does not guarantee that downloads from the site will be free of any viruses or other destructive devices. Additionally, you provide, request, and receive information from the site with the knowledge that such information can be intercepted and/or viewed by unknown third partiessole discretion.

Your Liability for Unauthorized Transfers. If During online account set-up, you will be invited to create a user name and password to protect your account from unauthorized access. You are responsible for maintaining the confidentiality and security of your user name and password. Tell us immediately if you believe that any of approved account access information or device, including your Access Codes online banking user name and/or password, has been lost or stolen, you should notify us and change that an EFT has been made without your password immediately. Tell us at once if you believe your statement, account or transaction informationpermission, or security information that someone has been lost, stolen, transferred or compromisedmay transfer money from your account without your authorization. Contacting You may tell us by phone calling us 0-000-000-0000 or by writing to us as soon as possible at X.X. Xxx 00000, Xxxx Xxxx Xxxx, XX 00000-0000 (or such other address as we may provide to you from time to time). (Please note that e-mail, SMS/text or online notification will not meet the notice requirements of this section.) Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account, as well as your maximum overdraft line of credit, if applicable. If you tell us within two business days, you can lose no more than $50.00 if someone used your security information without your permission. If you do not tell us within two (2) business days after you learn of the loss or theft of your security informationaccount access information or device, your liability will be limited to $50 if someone accesses your account without your authorization. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your account access information or device and we can prove that we could have stopped someone from using accessing your security information account without your permission if you had notified us, you could lose as much as $500.00500. If Also, if your statement shows transfers EFTs that you did not makemake or authorize, tell us at onceAT ONCE. If we you do not receive notification from you tell us within sixty calendar (60) days after the statement dateis mailed or otherwise made available to you, you may not be entitled to get back any type of account re-credit for funds you lost funds. We will tell after the sixty (60) days if we can prove that we could have stopped someone from taking the money if you the results of our investigation within ten business days after we hear from you, and will correct any error promptlyhad told us in time. If we need more time, however, we may take up to forty-five calendar days to investigate your complaint a good reason (such as a long trip or question. If we determine we need this extra timea hospital stay) kept you from telling us, we will provisionally credit your account within ten business days for the amount you think is in error. You will have the use of the money during the extend these time it takes us to complete our investigationperiods. If we ask you grant authority to put your complaint or question in writing and we do not receive it within ten business days, we may not provisionally credit your account. If we decide that there was no error, we will send you a written explanation within three business days after we finish our investigation. You may ask for copies of make transfers to another person who exceeds the documents we used in our investigation. Security of Website While the credit union has taken all necessary and optional precautions to ensure the security and safety of its website and the Internet Banking Service, the credit union does not guarantee that downloads from the site will be free of any viruses or other destructive devices. Additionallyauthority granted, you provide, request, and receive information from the site with the knowledge are fully liable for any transfers until you notify us that such information can be intercepted and/or viewed transfers by unknown third partiesthat person are no longer authorized.

Your Liability for Unauthorized Transfers. If you believe any of your Access Codes has been lost or stolen, you should notify us and change your password immediately. Tell Contact us at once if you believe your statement, account or transaction information, or security information Card has been lost, lost or stolen, or compromisedthat someone has transferred or may transfer money from your Card Account without your permission. Contacting us by phone Telephoning is the best way of keeping to minimize your possible losses downlosses. You could lose all the money in your account, as well as your maximum overdraft line of credit, if applicable. If you tell us within two business days, you can lose no more than $50.00 if someone used your security information without your permission. If you do not tell us within two 2 business days after you learn of the loss or theft of your security informationcard, you can lose no more than $50 if someone used your card without your permission. You can contact us by contacting Robinhood Customer Service. You can contact Robinhood Customer Service by calling (000) 000-0000 or writing to Robinhood at 00 Xxxxxx Xxxx, Xxxxx Xxxx, XX 00000. You can also contact Robinhood by visiting xxxxxxxxx.xxx/xxxxxxx. If you do NOT tell us within 2 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 security information Card without your permission if you had told us, you could lose as much as $500. Also, if your statement shows transactions that you did not make, including those made by Card, code or other means, tell us at once. If you do not tell us within 60 days of when the statement was made available 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. Upon notice that your Card has been lost or stolen, we may suspend or cancel your Card and send you a replacement Card at no charge. In some cases, we may close your Card Account to keep losses down. Upon your request, we may provide you with a replacement Card Account. Special Provisions for Card Transactions (Mastercard Zero Liability Protection): Under the Card Network Rules, you will not be held responsible for unauthorized transactions if you exercise reasonable care in safeguarding your Card from loss, theft, or unauthorized use, and you notify us of such activity within two (2) business days. This reduced liability does not apply if (a) a PIN is used as the method of verification for a disputed transaction, or (b) you have reported two (2) or more incidents of unauthorized use in the immediately preceding twelve (12) month period. If you notify us within (2) business days of any unauthorized transactions, you can lose no more than $50.00 if a person used your Card without your permission. If you do not notify us within two (2) business days after you learn of the loss or theft of your Card, and we can prove that we could have stopped a person from using your Card without your permission if you had promptly notified us, you could lose as much as $500.00. If your statement shows transfers that you did not make, tell us at once. If we do not receive notification from you within sixty calendar days after the statement date, you may not be entitled to any type of account re-credit for lost funds. We will tell you the results of our investigation within ten business days after we hear from you, and will correct any error promptly. If we need more time, however, we may take up to forty-five calendar days to investigate your complaint or question. If we determine we need this extra time, we will provisionally credit your account within ten business days for the amount you think is in error. You will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten business days, we may not provisionally credit your account. If we decide that there was no error, we will send you a written explanation within three business days after we finish our investigation. You may ask for copies of the documents we used in our investigation. Security of Website While the credit union has taken all necessary and optional precautions to ensure the security and safety of its website and the Internet Banking Service, the credit union does not guarantee that downloads from the site will be free of any viruses or other destructive devices. Additionally, you provide, request, and receive information from the site with the knowledge that such information can be intercepted and/or viewed by unknown third parties.

Your Liability for Unauthorized Transfers. If Tell us AT ONCE if you believe any of your Access Codes Card or PIN has been lost or stolen, you should notify us and change . Reporting your password immediately. Tell Card lost or stolen online at xxx.xxxxxxxx.xxx or calling us at once if you believe your statement, account or transaction information, or security information has been lost, stolen, or compromised. Contacting us by phone (000) 000-0000 is the best way of keeping your possible losses down. You could lose all the money in on your account, as well as your maximum overdraft line of credit, if applicableCard. If you tell us within two business days, you can lose no more than $50.00 if someone used your security information without your permission. If you do not tell us within two business days after you learn of the loss or theft of your security informationCard or PIN, you can lose no more than $50 if someone used your Card or PIN without your permission. If you do NOT tell us within two business days after you learn of the loss or theft of your Card or PIN, and we can prove that we could have stopped someone from using your security information Card or PIN without your permission if you had notified told us, you could lose as much as $500.00500. (Note: If your Card is a MasterCard Card, you will not be liable for the amounts stated above if: your Card is in good standing; you have not reported more than two incidents of unauthorized use in the preceding 12 months; and you have exercised reasonable care in safeguarding your Card from risk of loss or theft. If your statement Card is a Visa Card, you will not be liable for the amounts stated above unless we determine that you were grossly negligent or fraudulent in the handling of your Card.) You agree that any unauthorized use does not include use by a person to whom you have given authority to use the Card or PIN and that you will be liable for all such uses by such person. For example, if you have given your Card or Card information to another person to use, such as a friend or relative, you are responsible for that person’s transactions with your Card, and if you have given your Card information to a merchant for a transaction, you have given authority to that merchant to debit the Card for that transaction. Also, if your on-line or paper transaction history shows transfers that you did not make, including those made by your Card, PIN or other means, tell us at once. If we you do not receive notification from tell us within 60 days after: (i) you within sixty calendar days after the statement dateelectronically access your Card information at xxx.xxxxxxxx.xxx; or (ii) we provide you with a written history of your Card transactions, you may not be entitled to get back any type of account re-credit for Card value you lost funds. We will tell after the 60 days if we can prove that we could have stopped someone from taking the Card value if you the results of our investigation within ten business days after we hear from you, and will correct any error promptlyhad told us in time. If we need more time, however, we may take up to forty-five calendar days to investigate your complaint a good reason (such as a long trip or question. If we determine we need this extra timehospital stay) kept you from telling us, we will provisionally credit your account within ten business days for the amount you think is in error. You will have the use of the money during extend the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten business days, we may not provisionally credit your account. If we decide that there was no error, we will send you a written explanation within three business days after we finish our investigation. You may ask for copies of the documents we used in our investigation. Security of Website While the credit union has taken all necessary and optional precautions to ensure the security and safety of its website and the Internet Banking Service, the credit union does not guarantee that downloads from the site will be free of any viruses or other destructive devices. Additionally, you provide, request, and receive information from the site with the knowledge that such information can be intercepted and/or viewed by unknown third partiesperiods.

Your Liability for Unauthorized Transfers. If you believe any of tell us within two (2) Business Days after you discover your Access Codes password or other means to access your account has been lost or stolen, you should notify us and change your password immediately. Tell us at once if you believe your statement, account or transaction information, or security information has been lost, stolen, or compromised. Contacting us by phone liability is the best way of keeping your possible losses down. You could lose all the money in your account, as well as your maximum overdraft line of credit, if applicable. If you tell us within two business days, you can lose no more than $50.00 if should someone used access your security information account without your permission. If you do not tell us within two business days (2) Business Days after you learn of the such loss or theft of your security informationtheft, and we can prove that we could have stopped someone from using prevented the unauthorized use of your security information without password or other means to access your permission account if you had notified told us, you could lose be liable for as much as $500.00. If your monthly financial institution statement shows contains transfers that you did not makeauthorize, you must tell us at once. If we you do not receive notification from you tell us within sixty calendar (60) days after the statement datewas sent to you, you may lose any amount transferred without your authorization after the sixty (60) days if we can prove that we could have stopped someone from taking the money had you told us in time. If a good reason (such as a long trip or a hospital stay) prevented you from telling us, we may extend the period. Information Authorization. Your enrollment in the Service may not be entitled fulfilled if we cannot verify your identity or other necessary information. Through your enrollment in the Service, you agree that we and our Service Providers reserve the right to any type request a review of account re-your credit for lost fundsrating at our own expense through an authorized bureau. We will tell you the results of our investigation within ten business days after we hear from youService Cancellation, Termination, or Suspension by Us, and will correct any error promptlyOther Remedies for Breach. If we need more time, howeverhave reason to believe that you have engaged in any of the prohibited activities described in this Agreement or have otherwise breached your obligations under this Agreement, we may take up terminate, suspend or limit your access to forty-five calendar days to investigate your complaint or question. If we determine we need this extra time, we will provisionally credit your account within ten business days for the amount you think is in error. You will have the use of the money during Site or the time it takes us Service; notify law enforcement, regulatory authorities, impacted third parties, and others as we deem appropriate; refuse to complete provide our investigationservices to you in the future; and/or take legal action against you. If we ask you In addition, we, in our sole discretion, reserve the right to put your complaint or question in writing and we do not receive it within ten business daysterminate this Agreement, we may not provisionally credit your account. If we decide that there was no erroraccess to the Site, we will send you a written explanation within three business days after we finish our investigation. You may ask for copies and/or use of the documents we used in our investigationService for any reason and at any time. Security of Website While the credit union has taken all necessary and optional precautions to ensure the security and safety of its website and the Internet Banking Service, the credit union does not guarantee that downloads from the site will be free of any viruses Neither termination nor suspension shall affect your liability or other destructive devices. Additionally, you provide, request, and receive information from the site with the knowledge that such information can be intercepted and/or viewed by unknown third partiesobligations under this Agreement.

Your Liability for Unauthorized Transfers. If you believe any of your Access Codes has been lost or stolen, you should notify You must contact us and change your password immediately. Tell us immediately at once 0-000-000-0000 if you believe your statementthe Card, account PIN or transaction informationVaro Bank Account number has been stolen, compromised, or security information your account has been lostused without permission. Under Visa Core Rules, stolenyour liability for unauthorized Visa debit transactions on the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa, or compromised. Contacting us by phone is to anonymous prepaid cards (until such time as the best way identity of keeping your possible losses downthe cardholder has been registered with us). You could lose all must notify us immediately of any unauthorized use. In the money in your account, as well as your maximum overdraft line of creditevent that the Visa Zero Liability Rules do not apply, if applicable. If you tell notify us within two (2) business daysdays after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used your security information the Varo Bank Account without your permission. If you do not tell notify us within two (2) business days after you learn of the loss or theft of your security informationthe Card, PIN, or Varo Bank Account number and we can prove that we could have stopped someone from using your security information the Varo Bank Account without your permission if you had promptly notified us, you could lose as much as $500.00. If Also, if you become aware of and/or your statement shows transfers transactions that you did not makeauthorize, tell us notify Xxxx at onceonce following the procedures stated in the paragraph captioned "Information About Your Right to Dispute Errors". If we you do not receive notification from you notify us within sixty calendar (60) days after you become aware of the transaction(s) and/or the statement datewas made available to you, you may not be entitled to get back any type of account re-credit for the value you lost funds. We will tell after the sixty (60) days if we can prove that someone could have been stopped from taking value if you the results of our investigation within ten business days after we hear from you, and will correct any error promptlyhad provided us notice in time. If we need more time, however, we may take up to forty-five calendar days to investigate your complaint a good reason (such as a long trip or question. If we determine we need this extra timea hospital stay) kept you from telling us, we will provisionally credit your account within ten business days for the amount you think is in error. You will have the use of the money during extend the time it takes us to complete our investigationperiods. If we ask you to put your complaint Card, PIN or question in writing and we do not receive it within ten business daysVaro Bank Account number has been lost, we may not provisionally credit your account. If we decide that there was no errorstolen or compromised, we will deactivate the Card and/or Varo Bank Account to prevent further transactions from occurring and send you a written explanation within three business days after we finish our investigationreplacement Card and/or Varo Bank Account Number. If your Varo Bank Account number changes you must immediately notify your employer or any other payors or merchants. You may ask for copies of must provide them with the documents we used in our investigation. Security of Website While the credit union has taken all necessary and optional precautions new Varo Bank Account number to ensure the security and safety of its website and the Internet Banking Service, the credit union does not guarantee that downloads from the site will be free of any viruses or other destructive devices. Additionally, you provide, request, and receive information from the site with the knowledge that such information can be intercepted your direct deposit and/or viewed by unknown third partiesACH Debit activity continues uninterrupted.

Your Liability for Unauthorized Transfers. If You agree to exercise reasonable control over your PIN (“Access Code”); user ID; and password and any other access code related to your Card Account (each, an “Access Code") and your Card. Tell us AT ONCE if you believe any of your Card or Access Codes Code has been lost or stolen. Also, if your transaction history shows transfers that you should notify us and change did not make, including those made with your password immediately. Tell Card, Card Number or Account Number, or you believe an electronic transfer has been made without your permission, tell us at once if you believe once. Telephoning the toll-free number on the back of your statement, account Card or transaction information, or security information has been lost, stolen, or compromised. Contacting us by phone calling (000) 000-0000 is the best way of keeping your possible losses down. You could lose all of the money in your account, as well as your maximum overdraft line of credit, if applicableCard Account. If you tell us within two (2) business daysdays after you learn of the loss or theft of your Card, you can lose no more than $50.00 if someone used your security information Card without your permission. If you do not NOT tell us within two (2) business days after you learn of the loss or theft of your security informationCard, and we can prove that we could have stopped someone from using your security information Card without your permission if you had notified told us, you could lose as much as $500.00. If your statement shows transfers that you did do not make, tell us at once. If we do not receive notification from you within sixty calendar (60) days after the statement dateearlier of the date you electronically access your Card Account or the date we sent the FIRST written history on which the error appeared, you may not be entitled to get back any type of account re-credit for money you lost funds. We will tell after the sixty (60) days if we can prove that we could have stopped someone from taking the money if you the results of our investigation within ten business days after we hear from you, and will correct any error promptlyhad told us in time. If we need more timea good, howeverdocumented, we may take up to forty-five calendar days to investigate your complaint reason (such as a long trip or question. If we determine we need this extra timea hospital stay) kept you from telling us, we will provisionally credit extend the time periods. The following provisions of this Section apply to all Card Accounts: You will not be liable for unauthorized use that occurs after you notify us of the loss, theft or unauthorized use of your account within ten business days for the amount you think is in errorCard or Access Code. You also agree to cooperate completely with us in attempts to recover funds from unauthorized users and to assist in their prosecution. We may issue replacement Card or Access Code (PIN), but only after you have provided such proof and security or indemnification as we may require. In addition, you acknowledge that we may have to deactivate your Card and/or Card Account to prevent future losses. If you share your Card or Access Code (PIN) with another person, use of your Card Account by that person may be considered as authorized. If you authorize another person to use your Card or Access Code (PIN), you agree that you will have the be liable for all transactions arising from use of the money during Card or Access Code (PIN) by such person except as otherwise set forth in this Agreement. In all cases, our liability for an unauthorized transaction is limited to reimbursing you for the time face amount of the unauthorized transaction and any corresponding fees, except as otherwise required by applicable law. A transaction is unauthorized if it takes us is not initiated by you, you did not give permission to complete our investigation. If we ask make the transaction and you to put your complaint or question in writing and we do not receive it within ten business days, we may not provisionally credit your account. If we decide that there was no error, we will send you a written explanation within three business days after we finish our investigation. You may ask for copies of the documents we used in our investigation. Security of Website While the credit union has taken all necessary and optional precautions to ensure the security and safety of its website and the Internet Banking Service, the credit union does not guarantee that downloads benefit from the site will be free of transaction in any viruses or other destructive devices. Additionally, you provide, request, and receive information from the site with the knowledge that such information can be intercepted and/or viewed by unknown third partiesway.

Your Liability for Unauthorized Transfers. If you believe any of your Access Codes has been lost or stolen, you should notify us and change your password immediately. Tell us at once if you believe your statement, account or transaction information, or security information has been lost, stolen, or compromised. Contacting us by phone is the best way of keeping your possible losses down. You could lose all the money in your account, as well as your maximum overdraft line of creditlimit, if applicable. If you tell us within two business days, you can lose no more than $50.00 if someone used your security information without your permission. If you do not tell us within two business days after you learn of the loss or theft of your security information, and we can prove we could have stopped someone from using your security information without your permission if you had notified us, you could lose as much as $500.00. If your statement shows transfers that you did not make, tell us at once. If we do not receive notification from you within sixty calendar days after the statement date, you may not be entitled to any type of account re-credit for lost funds. We will tell you the results of our investigation within ten business days after we hear from you, and will correct any error promptly. If we need more time, however, we may take up to forty-five calendar days to investigate your complaint or question. If we determine we need this extra time, we will provisionally credit your account within ten business days for the amount you think is in error. You will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten business days, we may not provisionally credit your account. If we decide that there was no error, we will send you a written explanation within three business days after we finish our investigation. You may ask for copies of the documents we used in our investigation. Security of Website While the credit union has taken all necessary and optional precautions to ensure the security and safety of its website and the Internet Banking Service, the credit union does not guarantee that downloads from the site will be free of any viruses or other destructive devices. Additionally, you provide, request, and receive information from the site with the knowledge that such information can be intercepted and/or viewed by unknown third parties.

Your Liability for Unauthorized Transfers. If you believe any of your Access Codes has been lost or stolen, you should notify us and change your password immediately. Tell us at once FSB AT ONCE if you believe your statementATM card, account debit card, Personal Identification Number (PIN) or transaction information, or security information similar code has been lost, stolen, or compromised. Contacting us learned by phone is the best way of keeping an unauthorized person, or if you believe that an electronic fund transfer has been made without your possible losses down. You could lose all the money in permission using information from your account, as well as your maximum overdraft line of credit, if applicablecheck. If you tell us FSB within two business daysdays after you learn of the loss or theft, you can lose no more than $50.00 if 50 for an unauthorized electronic funds transfer or a series of related unauthorized transfers should someone used use your security information card or code without your permission. If you do not NOT tell us FSB within two business days after you learn of the loss or theft of your security information, card or code and we can prove we FSB could have stopped someone from using your security information card or code without your permission if you had notified ustold FSB, you could lose as much as $500.00500. If Your losses could include all of the money in your account plus, if you have an overdraft protection plan linked to your account, any transfers from another account, or any advances on a credit line or credit card. Tell FSB AT ONCE if your statement shows transfers that you did not make, tell us at onceincluding those made by card, code, or other means. If we you do not receive notification from you tell FSB within sixty calendar 60 days after the statement datewas mailed to you, you may not be entitled to get back any type of account re-credit for money you lost funds. We will tell after the 60 days if FSB could have stopped someone from taking the money if you the results of our investigation within ten business days after we hear from you, and will correct any error promptlyhad told FSB in time. If we need more timea good reason (such as a long trip or a hospital stay) kept you from telling FSB, however, we may take up to forty-five calendar days to investigate your complaint or question. If we determine we need this extra time, we FSB will provisionally credit your account within ten business days for the amount you think is in error. You will have the use of the money during extend the time it takes us periods for claims of unauthorized transfers. The Telephone Number and Address to complete our investigation. If we ask you to put your complaint Report Unauthorized Transfer and Lost or question in writing Stolen USAA ATM cards and we do not receive it within ten business days, we may not provisionally credit your account. If we decide that there was no error, we will send you a written explanation within three business days after we finish our investigationdebit cards or access codes are shown on the Service Fee Schedule. You may ask for copies of also contact FSB on xxxx.xxx. You should also call the documents we used in our investigationnumber or write to the address listed on the Service Fee Schedule or contact FSB at xxxx.xxx if you believe a transfer has been made using the information from your check without your permission. Security of Website While the credit union has taken all necessary and optional precautions to ensure the security and safety of its website and the Internet Banking Service, the credit union does not guarantee that downloads from the site will be free of any viruses or other destructive devices. AdditionallyIf unauthorized activity occurs, you provide, request, agree to cooperate during the investigation and receive information from to complete an affidavit regarding the site with the knowledge that such information can be intercepted and/or viewed by unknown third partiesunauthorized activity.

Your Liability for Unauthorized Transfers. If Immediately following your discovery of an unauthorized Payment Instruction, you believe any shall communicate with Client Services in the manner set forth in Section 11 (Notices to Us Regarding the Zelle and Other Payment Services) above. You acknowledge and agree that time is of the essence in such situations. The best way to minimize your Access Codes loss is to call us immediately. You will have no liability for unauthorized transactions if you notify us within sixty (60) days after your monthly financial institution statement which shows the unauthorized transaction has been lost or stolen, you should notify us and change your password immediately. Tell us at once if you believe your statement, account or transaction information, or security information has been lost, stolen, or compromised. Contacting us by phone is the best way of keeping your possible losses down. You could lose all the money in your account, as well as your maximum overdraft line of credit, if applicable. If you tell us within two business days, you can lose no more than $50.00 if someone used your security information without your permissionsent to you. If you do not tell us within two business sixty (60) days after the statement was sent to you, you learn of may lose any amount transferred without your authorization after the loss or theft of your security information, and sixty (60) days if we can prove establish that we could have stopped someone from taking the money had you told us in time. If a good reason (such as a long trip or a hospital stay) prevented you from telling us, we may in our sole discretion extend the period. When you give someone your password or other means to access your account through which you access the Zelle and Other Payment Services, you are authorizing that person to use your service, and you are responsible for all transactions that person performs while using your security information without your permission if you had notified usservice. All transactions that person performs, you could lose as much as $500.00. If your statement shows transfers that even those transactions you did not makeintend or want performed, tell us at once. If we do not receive notification from you within sixty calendar days after the statement date, you may not be entitled to any type of account re-credit for lost funds. We will tell you the results of our investigation within ten business days after we hear from you, and will correct any error promptly. If we need more time, however, we may take up to forty-five calendar days to investigate your complaint or question. If we determine we need this extra time, we will provisionally credit your account within ten business days for the amount you think is in error. You will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten business days, we may not provisionally credit your account. If we decide that there was no error, we will send you a written explanation within three business days after we finish our investigation. You may ask for copies of the documents we used in our investigation. Security of Website While the credit union has taken all necessary and optional precautions to ensure the security and safety of its website and the Internet Banking Service, the credit union does not guarantee that downloads from the site will be free of any viruses or other destructive devicesare authorized transactions. Additionally, transactions that you provideor someone acting with you initiates with fraudulent intent are also authorized transactions. Note: These liability rules are established by Regulation E, requestwhich implements the federal Electronic Fund Transfer Act and does not apply to business accounts. THE ZELLE PAYMENT SERVICE IS INTENDED FOR SENDING MONEY TO FAMILY, and receive information from the site with the knowledge that such information can be intercepted and/or viewed by unknown third partiesFRIENDS AND OTHERS WHOM YOU TRUST. YOU SHOULD NOT USE ZELLE TO SEND MONEY TO PERSONS WITH WHOM YOU ARE NOT FAMILIAR OR YOU DO NOT TRUST. ZELLE DOES NOT OFFER A PROTECTION PROGRAM FOR AUTHORIZED PAYMENTS MADE THROUGH THE ZELLE PAYMENT SERVICE (FOR EXAMPLE, IF YOU DO NOT RECEIVE THE GOODS OR SERVICES THAT YOU PAID FOR, OR THE GOODS OR SERVICES THAT YOU RECEIVED ARE DAMAGED OR ARE OTHERWISE NOT WHAT YOU EXPECTED).

Your Liability for Unauthorized Transfers. If You agree to take all the necessary steps to protect your Card. You may immediately block or suspend any activity on your Card through the App. if you believe any of your Access Codes Card has been lost or stolen, or should you should wish to do so to keep your Card safe. If you believe your Card has been lost or stolen, or that someone has transferred or may transfer money from your Card Account without your permission, call us at the Customer Service number above. When you use your registered Personalized prepaid Mastercard, you're protected against unauthorized transactions. As a Mastercard cardholder, Zero Liability applies to your purchases made in the store, over the telephone, online, or via a mobile device. As a cardholder, you will not be held responsible for unauthorized transactions if: you have used reasonable care in protecting your card from loss or theft; and you promptly reported loss or theft to us. If you believe there has been unauthorized use of your account and you meet the conditions above, rest easy knowing you have the protection of Mastercard’s Zero Liability promise. For additional protections with respect to unauthorized transactions, please contact us at1(800) 000 0000. Note: Zero Liability does not apply to unregistered prepaid cards, such as the Purewrist GO Starter Card. Also, if you become aware of and/or your statement shows transactions that you did not make, notify us and change your password immediately. Tell us at once if you believe your statement, account or transaction information, or security information has been lost, stolen, or compromised. Contacting us by phone is following the best way of keeping your possible losses down. You could lose all procedures stated in the money in your account, as well as your maximum overdraft line of credit, if applicable. If you tell us within two business days, you can lose no more than $50.00 if someone used your security information without your permission. paragraph labeled “Your Right to Dispute Errors.” If you do not tell notify us in writing within two business sixty (60) days after you learn become aware of the loss or theft of your security informationtransaction and/or after the statement was made available to you, and you may not get back any value you lost after the sixty (60) days if we can prove that we could have stopped someone from using your security information without your permission taking the value if you had notified us in time and you are grossly negligent or fraudulent in the handling of your Card. If a good reason (such as a long trip or a hospital stay) kept you from telling us, you could lose as much as $500.00we will extend the time periods. If your statement shows transfers that Card has been lost or stolen please notify us immediately and we will inactive your Card and send you did not make, tell us at oncea replacement Card. If we do not receive notification from you within sixty calendar days after the statement date, you may not be entitled to any type of account re-credit for lost funds. We will tell you the results of our investigation within ten business days after we hear from you, and will correct any error promptly. If we need more time, howeverIn some cases, we may take up close your Card Account to forty-five calendar days to investigate keep losses down. Upon your complaint or question. If we determine we need this extra time, we will provisionally credit your account within ten business days for the amount you think is in error. You will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten business daysrequest, we may not provisionally credit your account. If we decide that there was no error, we will send provide you with a written explanation within three business days after we finish our investigation. You may ask for copies of the documents we used in our investigation. Security of Website While the credit union has taken all necessary and optional precautions to ensure the security and safety of its website and the Internet Banking Service, the credit union does not guarantee that downloads from the site will be free of any viruses or other destructive devices. Additionally, you provide, request, and receive information from the site with the knowledge that such information can be intercepted and/or viewed by unknown third partiesreplacement Card Account.

Your Liability for Unauthorized Transfers. If you believe any of your Access Codes has been lost or stolen, you should notify us and change your password immediately. Tell us at once AT ONCE if you believe your statementFrost Bank ATM Card, account Debit Card or transaction informationsimilar card, or security information your Frost Bank User ID, PIN or other device or code which accesses your Account has been lost, stolenstolen or otherwise learned or acquired by an unauthorized person, or compromisedif you believe that an electronic funds transfer has been made without your permission using information from your check or otherwise. Contacting us by phone is the The best way to minimize your loss is to call us immediately. The unauthorized use of keeping your possible losses down. You card or PIN could cause you to lose all the of your money in your accountAccounts, as well as plus any amount available under your maximum overdraft line of credit, protection if applicable. If you tell us within two business days, you can lose no more than $50.00 if someone used your security information without your permission. If you do not tell notify us within two business days after you learn of the loss or theft of in a timely manner. Also, if your security information, and we can prove we could have stopped someone from using your security information without your permission if you had notified us, you could lose as much as $500.00. If your Account statement shows transfers that you did not make, including those made by card, code or other means, tell us at once. If we do not receive notification from You will have no liability for unauthorized transactions if you notify us within sixty (60) calendar days after the statement dateshowing the transaction has been mailed to you. If you do not tell us within sixty (60) calendar days after the statement was mailed to you, you may not be entitled to get back any type of account re-credit for money you lost funds. We will tell after the sixty (60) calendar days if we can prove that we could have stopped someone from taking the money if you the results of our investigation within ten business days after we hear from you, and will correct any error promptlyhad told us in time. If a valid reason (such as a long trip or a hospital stay) kept you from telling us, we need more timewill extend the time periods. For transactions processed through the Visa or MasterCard system (for example, howeveruse of your personal Debit Card when no PIN is used), liability limits differ from those set forth above. For transactions processed through the Visa or MasterCard system, you will have no liability for unauthorized transactions in accordance with each network’s respective policies regarding “zero liability” if you promptly report the unauthorized transactions to us. For Visa transactions, we may take up impose greater liability, to forty-five calendar days to investigate the extent allowed by law, if we reasonably determine that you were negligent or fraudulent in the handling of your complaint Account or questionyour personal Debit Card. If we determine we need this extra time, we will provisionally credit your account within ten business days for the amount you think is in error. You will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten business daysFor MasterCard transactions, we may impose greater liability, to the extent allowed by law, if we reasonably determine that you did not provisionally credit exercise reasonable care in safeguarding your account. If we decide that there was no error, we will send you a written explanation within three business days after we finish our investigation. You may ask for copies of the documents we used in our investigation. Security of Website While the credit union has taken all necessary and optional precautions to ensure the security and safety of its website and the Internet Banking Service, the credit union does not guarantee that downloads personal Debit Card from the site will be free risk of any viruses loss or other destructive devicestheft. AdditionallyWe may reasonably determine that you were negligent or that you failed to exercise reasonable care, for instance, if you provide, request, and receive information from the site with the knowledge that such information can be intercepted and/or viewed by unknown third partiesdo not promptly report one or more unauthorized transactions to us.

Your Liability for Unauthorized Transfers. If you believe any of your Access Codes has been lost or stolen, you should notify You must contact us and change your password immediately. Tell us immediately at once 0-000-000-0000 if you believe your statementthe Card, account PIN or transaction informationVaro Bank Account number has been stolen, compromised, or security information your account has been lostused without permission. Under Visa Core Rules, stolenyour liability for unauthorized Visa debit transactions on the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa, or compromised. Contacting us by phone is to anonymous prepaid cards (until such time as the best way identity of keeping your possible losses downthe cardholder has been registered with us). You could lose all must notify us immediately of any unauthorized use. In the money in your account, as well as your maximum overdraft line of creditevent that the Visa Zero Liability Rules do not apply, if applicable. If you tell notify us within two (2) business daysdays after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used your security information the Varo Bank Account without your permission. If you do not tell notify us within two (2) business days after you learn of the loss or theft of your security informationthe Card, PIN, or Varo Bank Account number and we can prove that we could have stopped someone from using your security information the Varo Bank Account without your permission if you had promptly notified us, you could lose as much as $500.00. If Also, if you become aware of and/or your statement shows transfers transactions that you did not makeauthorize, tell us notify Xxxx at onceonce following the procedures stated in the paragraph captioned "Information About Your Right to Dispute Errors". If we you do not receive notification from you notify us within sixty calendar (60) days after you become aware of the transaction(s) and/or the statement datewas made available to you, you may not be entitled to get back any type of account re-credit for the value you lost funds. We will tell after the sixty (60) days if we can prove that someone could have been stopped from taking value if you the results of our investigation within ten business days after we hear from you, and will correct any error promptlyhad provided us notice in time. If we need more time, however, we may take up to forty-five calendar days to investigate your complaint a good reason (such as a long trip or question. If we determine we need this extra timea hospital stay) kept you from telling us, we will provisionally credit your account within ten business days for the amount you think is in error. You will have the use of the money during extend the time it takes us to complete our investigationperiods. If we ask you to put your complaint Card, PIN or question in writing and we do not receive it within ten business daysVaro Bank Account number has been lost, we may not provisionally credit your account. If we decide that there was no errorstolen or compromised, we will de-activate the Card and/or Varo Bank Account to prevent further transactions from occurring and send you a written explanation within three business days after we finish our investigationreplacement Card and/or Varo Bank Account number. If your Varo Bank Account number changes you must immediately notify your employer or any other payors or merchants. You may ask for copies of must provide them with the documents we used in our investigation. Security of Website While the credit union has taken all necessary and optional precautions new Varo Bank Account number to ensure the security and safety of its website and the Internet Banking Service, the credit union does not guarantee that downloads from the site will be free of any viruses or other destructive devices. Additionally, you provide, request, and receive information from the site with the knowledge that such information can be intercepted your direct deposit and/or viewed by unknown third partiesACH Debit activity continues uninterrupted.

Your Liability for Unauthorized Transfers. If you believe any tell the Credit Union within two (2) business days after you learn of unauthorized access to your Access Codes has been lost or stolen, you should notify us account(s) and/or that your Prime Online Account Number and change your password immediately. Tell us at once if you believe your statement, account or transaction information, or security information PIN has been lost, stolen, stolen or compromised. Contacting us by phone is the best way of keeping your possible losses down. You could lose all the money in your account, as well as your maximum overdraft line of credit, if applicable. If you tell us within two business days, you can lose no more than $50.00 if someone used your security information without your permission50.00. If you do not tell us fail to notify the credit union within two (2) business days after you learn of the loss unauthorized access to your account(s) and/or that your Prime Online Account Number and PIN has been lost, stolen or theft of your security informationcompromised, and we can prove that we could have stopped someone from using prevented the unauthorized access to your security information without account(s), or use of your permission if Prime Online Account Number and PIN had you had notified us, you could lose as much as $500.00. If your monthly statement shows or your online account detail reflects any transfers or payments that you did not make, tell us at once. If we you do not receive notification from you tell us within sixty calendar (60) days after the first statement datewhich reflected an unauthorized transfer(s) or payment(s) was mailed to you, you may not be entitled to get back any type money you lost after the sixty (60) days, provided that we can prove that we could have stopped someone from taking money if you had told us in time. Errors or Questions In case of errors or questions about your Prime Xxxx Pay transactions or if you need more information about a transaction listed on the statement, contact via phone at 000.000.0000 (toll free at 800.835.9680) or by mail at 0000 X. Xxxxxxx Ave., Cudahy, WI 53110. We must hear from you no later than sixty (60) days after we send the FIRST statement on which the problem or error appears. • Tell us your name and account re-credit for lost fundsnumber. • Describe the error or transaction in question and explain as clearly as possible why you believe it is an error or why you need more information. • Tell us the dollar amount of the suspected error. If you tell us verbally, we may require that you send, and we receive, your complaint or question in writing within ten (10) business days. We will tell you the results of our investigation within ten (10) business days after we hear from you, you and will correct any error promptly. If we need more timeadditional time is required, however, we it may take up to forty-five calendar (45) days to investigate your complaint or question. If we determine we need this extra timeso, we will provisionally credit your account will be adjusted within ten (10) business days for the amount you think is in error. You will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing writing, and we do not receive it within ten (10) business days, we may not provisionally credit adjust your account. If we decide that determine there was no error, we will send you a written explanation within three (3) business days after we finish our the investigation. We may revoke any provisional credit provided to you if we find that an error did not occur. You may ask for copies of the documents that we used in our investigation. Security of Website While the credit union has taken all necessary and optional precautions to ensure the security and safety of its website and the Internet Banking Service, the credit union does not guarantee that downloads from the site will be free of any viruses or other destructive devices. Additionally, you provide, request, and receive information from the site with the knowledge that such information can be intercepted and/or viewed by unknown third parties.

Your Liability for Unauthorized Transfers. If You agree to exercise reasonable control over your PIN (“Access Code”); user ID; and password and any other access code related to your Card Account (each, an “Access Code") and your Card. Tell us AT ONCE if you believe any of your Card or Access Codes Code has been lost or stolen. Also, if your transaction history shows transfers that you should notify us and change did not make, including those made with your password immediately. Tell Card, Card Number or Account Number, or you believe an electronic transfer has been made without your permission, tell us at once if you believe once. Telephoning the toll-free number on the back of your statement, account Card or transaction information, or security information has been lost, stolen, or compromised. Contacting us by phone calling 0-000-000-0000 is the best way of keeping your possible losses down. You could lose all of the money in your account, as well as your maximum overdraft line of credit, if applicableCard Account. If you tell us within two (2) business daysdays after you learn of the loss or theft of your Card, you can lose no more than $50.00 if someone used your security information Card without your permission. If you do not NOT tell us within two (2) business days after you learn of the loss or theft of your security informationCard, and we can prove that we could have stopped someone from using your security information Card without your permission if you had notified told us, you could lose as much as $500.00. If your statement shows transfers that you did do not make, tell us at once. If we do not receive notification from you within sixty calendar (60) days after the statement dateearlier of the date you electronically access your Card Account or the date we sent the FIRST written history on which the error appeared, you may not be entitled to get back any type of account re-credit for money you lost funds. We will tell after the sixty (60) days if we can prove that we could have stopped someone from taking the money if you the results of our investigation within ten business days after we hear from you, and will correct any error promptlyhad told us in time. If we need more timea good, howeverdocumented, we may take up to forty-five calendar days to investigate your complaint reason (such as a long trip or question. If we determine we need this extra timea hospital stay) kept you from telling us, we will provisionally credit extend the time periods. The following provisions of this Section apply to all Card Accounts: You will not be liable for unauthorized use that occurs after you notify us of the loss, theft or unauthorized use of your account within ten business days for the amount you think is in errorCard or Access Code. You also agree to cooperate completely with us in attempts to recover funds from unauthorized users and to assist in their prosecution. We may issue replacement Card or Access Code (PIN), but only after you have provided such proof and security or indemnification as we may require. In addition, you acknowledge that we may have to deactivate your Card and/or Card Account to prevent future losses. If you share your Card or Access Code (PIN) with another person, use of your Card Account by that person may be considered as authorized. If you authorize another person to use your Card or Access Code (PIN), you agree that you will have the be liable for all transactions arising from use of the money during Card or Access Code (PIN) by such person except as otherwise set forth in this Agreement. In all cases, our liability for an unauthorized transaction is limited to reimbursing you for the time face amount of the unauthorized transaction and any corresponding fees, except as otherwise required by applicable law. A transaction is unauthorized if it takes us is not initiated by you, you did not give permission to complete our investigation. If we ask make the transaction and you to put your complaint or question in writing and we do not receive it within ten business days, we may not provisionally credit your accountbenefit from the transaction in any way. If we decide that there was no error, we will send you a written explanation within three business days after we finish our investigation. You may ask for copies of the documents we used in our investigation. Security of Website While the credit union has taken all necessary Visa’s Zero Liability policy covers U.S.–issued cards only and optional precautions to ensure the security and safety of its website and the Internet Banking Service, the credit union does not guarantee that downloads from apply to ATM transactions outside the site will be free Visa network, PIN transactions not processed by Visa, or certain commercial card transactions. Cardholder must notify us promptly of any viruses or other destructive devices. Additionally, you provide, request, and receive information from the site with the knowledge that such information can be intercepted and/or viewed by unknown third partiesunauthorized use.

Your Liability for Unauthorized Transfers. If You agree to exercise reasonable control over your PIN (“Access Code”); user ID; and password and any other access code related to your Card Account (each, an “Access Code") and your Card. Tell us AT ONCE if you believe any of your Card or Access Codes Code has been lost or stolen. Also, if your transaction history shows transfers that you should notify us and change did not make, including those made with your password immediately. Tell Card, Card Number or Account Number, or you believe an electronic transfer has been made without your permission, tell us at once if you believe once. Telephoning the toll-free number on the back of your statement, account Card or transaction information, or security information has been lost, stolen, or compromised. Contacting us by phone calling 0-000-000-0000 is the best way of keeping your possible losses down. You could lose all of the money in your account, as well as your maximum overdraft line of credit, if applicableCard Account. If you tell us within two (2) business daysdays after you learn of the loss or theft of your Card, you can lose no more than $50.00 if someone used your security information Card without your permission. If you do not NOT tell us within two (2) business days after you learn of the loss or theft of your security informationCard, and we can prove that we could have stopped someone from using your security information Card without your permission if you had notified told us, you could lose as much as $500.00. If your statement shows transfers that you did do not make, tell us at once. If we do not receive notification from you within sixty calendar (60) days after the statement dateearlier of the date you electronically access your Card Account or the date we sent the FIRST written history on which the error appeared, you may not be entitled to get back any type of account re-credit for money you lost funds. We will tell after the sixty (60) days if we can prove that we could have stopped someone from taking the money if you the results of our investigation within ten business days after we hear from you, and will correct any error promptlyhad told us in time. If we need more timea good, howeverdocumented, we may take up to forty-five calendar days to investigate your complaint reason (such as a long trip or question. If we determine we need this extra timea hospital stay) kept you from telling us, we will provisionally credit extend the time periods.‌ The following provisions of this Section apply to all Card Accounts: You will not be liable for unauthorized use that occurs after you notify us of the loss, theft or unauthorized use of your account within ten business days for the amount you think is in errorCard or Access Code. You also agree to cooperate completely with us in attempts to recover funds from unauthorized users and to assist in their prosecution. We may issue replacement Card or Access Code (PIN), but only after you have provided such proof and security or indemnification as we may require. In addition, you acknowledge that we may have to deactivate your Card and/or Card Account to prevent future losses. If you share your Card or Access Code (PIN) with another person, use of your Card Account by that person may be considered as authorized. If you authorize another person to use your Card or Access Code (PIN), you agree that you will have the be liable for all transactions arising from use of the money during Card or Access Code (PIN) by such person except as otherwise set forth in this Agreement. In all cases, our liability for an unauthorized transaction is limited to reimbursing you for the time face amount of the unauthorized transaction and any corresponding fees, except as otherwise required by applicable law. A transaction is unauthorized if it takes us is not initiated by you, you did not give permission to complete our investigation. If we ask make the transaction and you to put your complaint or question in writing and we do not receive it within ten business days, we may not provisionally credit your accountbenefit from the transaction in any way. If we decide that there was no error, we will send you a written explanation within three business days after we finish our investigation. You may ask for copies of the documents we used in our investigation. Security of Website While the credit union has taken all necessary Mastercard’s Zero Liability policy covers U.S.–issued cards only and optional precautions to ensure the security and safety of its website and the Internet Banking Service, the credit union does not guarantee that downloads from apply to ATM transactions outside the site will be free Mastercard network, PIN transactions not processed by Mastercard, or certain commercial card transactions. Cardholder must notify us promptly of any viruses or other destructive devices. Additionally, you provide, request, and receive information from the site with the knowledge that such information can be intercepted and/or viewed by unknown third partiesunauthorized use.

Your Liability for Unauthorized Transfers. If you disclose your password to anyone, you assume all risks and losses associated with such disclosu re. You are responsible for all transactions you authorize using the Service, as well as transactions authorized by any party to whom you have disclosed your password. Tell us AT ONCE if you believe any of your Access Codes password has been lost or stolen, you should notify us and change your password immediately. Tell us at once or if you believe your statement, account or transaction information, or security information that an electronic funds transfer has been lost, stolen, or compromisedmade without your permission. Contacting us by phone Telephoning is the best way of keeping your possible losses down. You could lose all of the money in your account, as well as account (plus your maximum overdraft line of credit, if applicable). Your liability for an unauthorized electronic funds transfer or a series of related unauthorized electronic funds transfers will be determined as follows: • If you tell us within two business days, you can lose no more than $50.00 if someone used your security information without your permission. If you do not tell us within two business days Business Days after you learn of the loss or theft of your security informationpassword, you can lose no more than $50 if someone used your password without your permission . If you do NOT tell us within two Business Days after you learn of the loss or theft of your password, and we can prove we could have stopped someone from using your security information password without your permission if you had notified told us, you could lose as much as $500.00500. If • Also, if your periodic statement shows transfers that you did not make, including those made by using your password, tell us at once. If we you do not receive notification from you tell us within sixty calendar 60 days after the statement datewas made available or transmitted to you, you may not be entitled to get back any type of account re-credit for money you lost fundsafter the 60 days if we can prove that we could have stopped someone from taking your money if you had told us on time. We will tell • If a good reason (such as a long trip or a hospital stay) kept you the results of our investigation within ten business days after we hear from you, and will correct any error promptly. If we need more time, howevertelling us, we may take up to forty-five calendar days to investigate your complaint or question. If we determine we need this extra time, we will provisionally credit your account within ten business days for the amount you think is in error. You will have the use of the money during extend the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten business days, we may not provisionally credit your account. If we decide that there was no error, we will send you a written explanation within three business days after we finish our investigationperiods. You may ask for copies notify us by telephone by calling (000) 000-0000. You may also notify us in person by visiting one of the documents we used our branches or notify us in our investigation. Security of Website While the credit union has taken all necessary and optional precautions to ensure the security and safety of its website and the Internet Banking Servicewriting at BCU, the credit union does not guarantee that downloads from the site will be free of any viruses or other destructive devices. Additionally000 X. Xxxxxxxxx Xxxxxx, you provideXxxxxx Xxxxx, request, and receive information from the site with the knowledge that such information can be intercepted and/or viewed by unknown third partiesXX 00000.

Your Liability for Unauthorized Transfers. If Tell us AT ONCE if you believe any of your Access Codes Card or PIN has been lost or stolen, you should notify us and change . Reporting your password immediately. Tell Card lost or stolen by calling us at once if you believe the number on the back of your statement, account or transaction information, or security information has been lost, stolen, or compromised. Contacting us by phone Card is the best way of keeping your possible losses down. You could lose all the money in on your account, as well as your maximum overdraft line of credit, if applicableCard. If you tell us within two business daysdays after learning of the loss or theft of your Card or PIN, you can lose no more than $50.00 50 if someone used your security information Card or PIN without your permission. If you do not NOT tell us within two business days after you learn of the loss or theft of your security informationCard or PIN, and we can prove that we could have stopped someone from using your security information Card or PIN without your permission if you had notified told us, you could lose as much as $500.00500. (Note: If your Card is a MasterCard Card, you will not be liable for the amounts stated above if: your Card is in good standing; you have not reported more than two incidents of unauthorized use in the preceding 12 months; and you have exercised reasonable care in safeguarding your Card from risk of loss or theft. If your statement Card is a Visa Card, you will not be liable for the amounts stated above unless we determine that you were grossly negligent or fraudulent in the handling of your Card.) You agree that any unauthorized use does not include use by a person to whom you have given authority to use the Card or PIN and that you will be liable for all such uses by such person. Also, if your on-line or paper transaction history shows transfers that you did not make, including those made by your Card, PIN or other means, tell us at once. If we you do not receive notification from tell us within 60 days after: (i) you within sixty calendar days after the statement dateelectronically access your Card information at xxx.xxxxxxxx.xxx; or (ii) we provide you with a written history of your Card transactions, you may not be entitled to get back any type of account re-credit for Card value you lost funds. We will tell after the 60 days if we can prove that we could have stopped someone from taking the Card value if you the results of our investigation within ten business days after we hear from you, and will correct any error promptlyhad told us in time. If we need more time, however, we may take up to forty-five calendar days to investigate your complaint a good reason (such as a long trip or question. If we determine we need this extra timehospital stay) kept you from telling us, we will provisionally credit your account within ten business days for the amount you think is in error. You will have the use of the money during extend the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten business days, we may not provisionally credit your account. If we decide that there was no error, we will send you a written explanation within three business days after we finish our investigation. You may ask for copies of the documents we used in our investigation. Security of Website While the credit union has taken all necessary and optional precautions to ensure the security and safety of its website and the Internet Banking Service, the credit union does not guarantee that downloads from the site will be free of any viruses or other destructive devices. Additionally, you provide, request, and receive information from the site with the knowledge that such information can be intercepted and/or viewed by unknown third partiesperiods.

Your Liability for Unauthorized Transfers. If You agree to exercise reasonable control over the information related to your Uphold USD Account, including your Card, Access Code(s) and PIN. Tell us AT ONCE if you believe any of your Card, Access Codes Code(s), or PIN has been lost or stolen. Also, if your transaction history shows transfers that you should notify us and change did not make, including those made with your password immediately. Tell us at once Card, or if you believe your statement, account or transaction information, or security information an electronic transfer has been lostmade without your permission, stolen, or compromisedtell us at once. Contacting us by phone is the The best way to keep your losses down is by calling the toll-free number on the back of keeping your possible losses downCard or +0 (000) 000-0000. You could lose all of the money in your account, as well as your maximum overdraft line of credit, if applicableUphold USD Account. If you tell us within two business days, you can lose no more than $50.00 if someone used your security information without your permission. If you do not tell us within two business days after you learn of the loss or theft of your security informationCard, Access Code(s) or PIN, you can lose no more than $50.00 if someone used your Card without your permission. If you do NOT tell us within two business days after you learn of the loss or theft of your Card, Access Code or PIN, and we can prove that we could have stopped someone from using your security information Card without your permission if you had notified told us, you could lose as much as $500.00. If your statement shows transfers that you did do not make, tell us at once. If we do not receive notification from you within sixty calendar 60 days after the statement dateearlier of the date you electronically access your Uphold USD Account or the date we sent the FIRST written history on which the error appeared, you may not be entitled to get back any type of account re-credit for money you lost funds. We will tell after the 60 days if we can prove that we could have stopped someone from taking the money if you the results of our investigation within ten business days after we hear from you, and will correct any error promptlyhad told us in time. If we need more time, however, we may take up to forty-five calendar days to investigate your complaint a good reason (such as a long trip or question. If we determine we need this extra timea hospital stay) kept you from telling us, we will provisionally credit extend the time periods. Mastercard Zero Liability Policy. Under Mastercard rules, you will not be held responsible for unauthorized Card transactions if you have used reasonable care in protecting your account within ten business days Card from loss or theft and you have promptly reported to us when you knew that your Card was lost or stolen. Zero Liability does not apply to Mastercard payment cards that are used for commercial purposes or anonymous prepaid cards (until such time as the amount you think is in error. You will have the use identity of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten business days, we may not provisionally credit your account. If we decide that there was no error, we will send you a written explanation within three business days after we finish our investigation. You may ask for copies of the documents we used in our investigation. Security of Website While the credit union cardholder has taken all necessary and optional precautions to ensure the security and safety of its website and the Internet Banking Service, the credit union does not guarantee that downloads from the site will be free of any viruses or other destructive devices. Additionally, you provide, request, and receive information from the site been registered with the knowledge that such information can be intercepted and/or viewed by unknown third partiesus).

Your Liability for Unauthorized Transfers. If you believe any of your Access Codes has been lost or stolen, you should You must notify us and change your password immediately. Tell us at once immediately if you believe that an unauthorized electronic fund transfer from your statement, account or transaction informationAccount has occurred, or security if you believe that one may occur because access to your Account through your NinjaCard® or your Portal login information has been lostmay no longer be secure and may be used without your permission. Notifying us through the Portal or our customer service number, stolen000-000-0000 (855-NINJA42), or compromised. Contacting us by phone is the best way of keeping reducing your possible losses downlosses. You If you do not tell us about an unauthorized fund transfer or fail to tell us that access to your Account may no longer be secure, you could lose all of the money in your accountAccount. If you provide us with notification, your liability will be limited as well as your maximum overdraft line of credit, if applicable. follows: ● If you tell us within two (2) business daysdays after you learn that access to your Account may no longer be secure, you can lose are responsible for no more than fifty dollars ($50.00 if 50.00) for unauthorized transfers out of your Account. If you do NOT tell us within two (2) business days after you learn that access to your Account may no longer be secure, and we can prove that we could have stopped someone used from accessing your security information Account without your permissionpermission if you had told us, you are responsible for up to five hundred dollars ($500). ● If your statement shows electronic fund transfers that you did not make, notify us right away. If you do not tell us within two business sixty (60) days after the statement was provided to you, you learn of may not get back any money you lost after the loss or theft of your security informationsixty (60) days, and if we can prove that we could have stopped someone from using your security information without your permission taking the money if you had notified us, you could lose as much as $500.00told us within that time period. If your statement shows transfers that you did not make, tell us at once. If we do not receive notification from you within sixty calendar days after the statement date, you may not be entitled to any type of account re-credit for lost funds. We will tell you the results of At our investigation within ten business days after we hear from you, and will correct any error promptly. If we need more time, howeverdiscretion, we may take up extend this time period. HOW TO CONTACT US To contact us with a question about an electronic fund transfer, to fortyreport an error with an electronic fund transfer, to tell us about an unauthorized transfer, or to tell us that access to your Account may no longer be secure, visit us at xxx.xxxxxxxxx.xxx, call us at 000-five calendar days to investigate your complaint 000-0000 (855- NINJA42), or questionemail us at xxxxxxx@xxxxxxxxx.xxx. If we determine we need this extra time, we will provisionally credit your account within ten BUSINESS DAYS Our business days for the amount you think is in error. You will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten business daysare Monday through Friday, we may not provisionally credit your account. If we decide that there was no error, we will send you a written explanation within three business days after we finish our investigation. You may ask for copies of the documents we used in our investigation. Security of Website While the credit union has taken all necessary and optional precautions to ensure the security and safety of its website and the Internet Banking Service, the credit union does not guarantee that downloads from the site will be free of any viruses or other destructive devices. Additionally, you provide, request, and receive information from the site with the knowledge that such information can be intercepted and/or viewed by unknown third partiesexcluding Utah banking holidays.

Your Liability for Unauthorized Transfers. If you believe any of your Access Codes has been lost or stolenYou must contact us immediately via the App (if available), you should notify us and change your password immediately. Tell by calling us at once 0-000-000-0000, or email us at xxxxxxx@xxxxxxxxx.xxx if you believe your statementthe Card, account or transaction informationPIN, or security information Bank Account number has been lost, stolen, compromised, or compromisedyour Bank Account has been used without permission. Contacting us Under Visa Core Rules, your liability for unauthorized Visa debit transactions on the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by phone is Visa, or to anonymous prepaid cards (until such time as the best way identity of keeping your possible losses downthe cardholder has been registered with us). You could lose all must notify us immediately of any unauthorized use. In the money in your account, as well as your maximum overdraft line of creditevent that the Visa Zero Liability Rules do not apply, if applicable. If you tell notify us within two (2) business daysdays after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used your security information the Bank Account without your permission. If you do not tell notify us within two (2) business days after you learn of the loss or theft of your security informationthe Card, PIN, or Bank Account number and we can prove that we could have stopped someone from using your security information the Bank Account without your permission if you had promptly notified us, you could lose as much as $500.00. If Also, if you become aware of and/or your statement shows transfers transactions that you did not makeauthorize, tell us notify Xxxx at once. once following the procedures stated in the paragraph captioned "Information About Your Right to Dispute Errors." If we you do not receive notification from you notify us within sixty calendar (60) days after you become aware of the transaction(s) and/or the statement datewas made available to you, you may not be entitled to get back any type of account re-credit for the value you lost funds. We will tell after the sixty (60) days if we can prove that someone could have been stopped from taking value if you the results of our investigation within ten business days after we hear from you, and will correct any error promptlyhad provided us notice in time. If we need more time, howevera good reason (such as a long trip or a hospital stay) kept you from telling us, we may take up to forty-five calendar days to investigate your complaint or questionextend the time periods. If we determine we need this extra timeyour Card, PIN, or Bank Account number has been lost, stolen, or compromised, we will provisionally credit your account within ten business days for deactivate the amount you think is in error. You will have the use of the money during the time it takes us Card and/or Bank Account to complete our investigation. If we ask you to put your complaint or question in writing prevent further transactions from occurring and we do not receive it within ten business days, we may not provisionally credit your account. If we decide that there was no error, we will send you a written explanation within three business days after we finish our investigation. You may ask for copies of the documents we used in our investigation. Security of Website While the credit union has taken all necessary and optional precautions to ensure the security and safety of its website and the Internet Banking Service, the credit union does not guarantee that downloads from the site will be free of any viruses or other destructive devices. Additionally, you provide, request, and receive information from the site with the knowledge that such information can be intercepted replacement Card and/or viewed by unknown third partiesBank Account Number.

Your Liability for Unauthorized Transfers. If Tell us AT ONCE if you believe any of your Access Codes Card or PIN has been lost or stolen, you should notify us and change . Reporting your password immediately. Tell Card lost or stolen online at xxxxxxxxxxxxxxxx.xxx or calling us at once if you believe your statement, account or transaction information, or security information has been lost, stolen, or compromised. Contacting us by phone (000) 000-0000 is the best way of keeping your possible losses down. You could lose all the money in on your account, as well as your maximum overdraft line of credit, if applicableCard. If you tell us within two business days, you can lose no more than $50.00 if someone used your security information without your permission. If you do not tell us within two business days after you learn of the loss or theft of your security informationCard or PIN, you can lose no more than $50 if someone used your Card or PIN without your permission. If you do NOT tell us within two business days after you learn of the loss or theft of your Card or PIN, and we can prove that we could have stopped someone from using your security information Card or PIN without your permission if you had notified told us, you could lose as much as $500.00500. (Note: If your Card is a MasterCard Card, you will not be liable for the amounts stated above if: your Card is in good standing; you have not reported more than two incidents of unauthorized use in the preceding 12 months; and you have exercised reasonable care in safeguarding your Card from risk of loss or theft. If your statement Card is a Visa Card, you will not be liable for the amounts stated above unless we determine that you were grossly negligent or fraudulent in the handling of your Card.) Also, if your on-line or paper transaction history shows transfers that you did not make, including those made by your Card, PIN or other means, tell us at once. If we you do not receive notification from tell us within 60 days after: (i) you within sixty calendar days after the statement dateelectronically access your Card information at xxxxxxxxxxxxxxxx.xxx; or (ii) we provide you with a written history of your Card transactions, you may not be entitled to get back any type of account re-credit for Card value you lost funds. We will tell after the 60 days if we can prove that we could have stopped someone from taking the Card value if you the results of our investigation within ten business days after we hear from you, and will correct any error promptlyhad told us in time. If we need more time, however, we may take up to forty-five calendar days to investigate your complaint a good reason (such as a long trip or question. If we determine we need this extra timehospital stay) kept you from telling us, we will provisionally credit your account within ten business days for the amount you think is in error. You will have the use of the money during extend the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten business days, we may not provisionally credit your account. If we decide that there was no error, we will send you a written explanation within three business days after we finish our investigation. You may ask for copies of the documents we used in our investigation. Security of Website While the credit union has taken all necessary and optional precautions to ensure the security and safety of its website and the Internet Banking Service, the credit union does not guarantee that downloads from the site will be free of any viruses or other destructive devices. Additionally, you provide, request, and receive information from the site with the knowledge that such information can be intercepted and/or viewed by unknown third partiesperiods.

Your Liability for Unauthorized Transfers. If you believe any of tell us within two (2) Business Days after you discover your Access Codes Log-in Credentials or other means to access your account has been lost or stolen, you should notify us and change your password immediately. Tell us at once if you believe your statement, account or transaction information, or security information has been lost, stolen, or compromised. Contacting us by phone liability is the best way of keeping your possible losses down. You could lose all the money in your account, as well as your maximum overdraft line of credit, if applicable. If you tell us within two business days, you can lose no more than $50.00 if should someone used access your security information account without your permission. If you do not tell us within two business days (2) Business Days after you learn of the such loss or theft of your security informationtheft, and we can prove that we could have stopped someone from using prevented the unauthorized use of your security information without password or other means to access your permission account if you had notified told us, you could lose be liable for as much as $500.00. If your monthly financial institution statement shows contains transfers that you did not makeauthorize, you must tell us at once. If we you do not receive notification from you tell us within sixty calendar (60) days after the statement datewas sent to you, you may not be entitled lose any amount transferred without your authorization after the sixty (60) days if we can prove that we could have stopped someone from taking the money had you told us in time. If a good reason (such as a long trip or a hospital stay) prevented you from telling us, we may extend the period. Errors and Questions In case of errors or questions about your transactions, you should as soon as possible notify us via one of the following: • Telephone us at (000) 000-0000 during Customer Service hours; • Contact us by using the application’s e-messaging feature; and/or, • Write us at: Stifel Bank 0000 Xxxxxxxx Xxxxxx, Xxxxx 000 Xxxxxxx, Xxxxxxxx 00000 If you think your statement is incorrect or you need more information about a Service transaction listed on the statement, we must hear from you no later than sixty (60) days after the FIRST statement was sent to any type you on which the problem or error appears. You must: • Tell us your name and Service account number; Agreement (Continued) • Describe the error or the transaction in question, and explain as clearly as possible why you believe it is an error or why you need more information; and, • Tell us the dollar amount of account re-credit for lost fundsthe suspected error. If you tell us verbally, we may require that you send your complaint in writing within ten (10) Business Days after your verbal notification. We will tell you the results of our investigation within ten business days (10) Business Days after we hear from you, and will correct any error promptly. If However, if we need require more time, howevertime to confirm the nature of your complaint or question, we may reserve the right to take up to forty-five calendar (45) days to investigate your complaint or questioncomplete our investigation. If we determine we need this extra timedecide to do this, we will provisionally credit your account Payment Account within ten business days (10) Business Days for the amount you think is in error. You will have the use of the money during the time it takes us to complete our investigation. If we ask you to put submit your complaint or question in writing and we do not receive it within ten business days(10) Business Days, we may not provisionally credit your accountPayment Account. If we decide that it is determined there was no error, error we will send mail you a written explanation within three business days (3) Business Days after we finish completion of our investigation. You may ask for copies of the documents we used in our investigation. Security of Website While the The Service may revoke any provisional credit union has taken all necessary and optional precautions provided to ensure the security and safety of its website and the Internet Banking Service, the credit union does you if we find an error did not guarantee that downloads from the site will be free of any viruses or other destructive devices. Additionally, you provide, request, and receive information from the site with the knowledge that such information can be intercepted and/or viewed by unknown third partiesoccur.

Your Liability for Unauthorized Transfers. If When you use your card or authorize anyone else to use your card, you agree to be bound by the provisions of this Agreement, to be responsible for all authorized transfers, withdrawals and transac- tions made by use of the card, and to be responsible for unautho- rized use of the card to the extent permitted by law. Please tell us AT ONCE if you believe any of your Access Codes ATM card, your Visa Check Card, or your PIN has been lost or stolen, you should notify us and change your password immediately. Tell us at once or if you believe your statement, account or transaction information, or security information that an electronic fund transfer has been lost, stolen, or compromisedmade without your permission using information from your check. Contacting us by phone Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account, as well as your plus the maximum overdraft amount of any line of credit, if applicablecredit linked to your account (such as a Cash Reserve or EquityLine ac- count) or savings account linked to your account for overdraft pro- tection transfer purposes. If you believe your card has been lost or stolen, and you tell us within two business daysdays after you learn of the loss or theft, you can lose no more than $50.00 if someone used for unautho- rized transactions using your security information without your permissioncard. If you do not NOT tell us within two business days after you learn of the loss or theft of your security informationcard, and we can prove we could have stopped someone from using your security information card without your permission if you had notified told us, you can lose no more than $500 for unauthorized transactions. Losses could lose as much as $500.00in- clude not only the money in your account, but also advances on any credit line associated with your account. If Also, if your statement shows transfers that you did not make, tell us at once. If we you do not receive notification from you tell us within sixty calendar 60 days after the statement datewas mailed to you, you may not be entitled to get back any type of account re-credit for money you lost funds. We will tell after the 60 days if we can prove that we could have stopped someone from taking the mon- ey if you the results of our investigation within ten business days after we hear from you, and will correct any error promptlyhad told us in time. If we need more time, howevera good reason (such as a long trip or a hospital stay) kept you from telling us, we may take up to forty-five calendar days to investigate extend the time periods. Remember, if you maintain the confidentiality of your complaint or questionPIN, it will reduce the possibility of the unauthorized use of your card. Do not write your PIN number on your card. If we determine we need this extra timeYour Card Is Lost, Stolen, or Used Without Your Authority If you believe your card has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call us at: If your card is lost or stolen, you can prevent further use by calling Southern’s Customer Contact Center at 0-000-000-0000 and plac- ing your card in a “Hot Card” status or write Southern Bank and Trust Company ATM/BankCard Inquiry XX Xxx 000, Xxxxx Xxxxx, XX 00000-0000 or contact your local branch immediately. Business Day For purposes of these disclosures, our business days are Monday through Friday. Holidays are not included. Disclosure of Account Information We will disclose information to third parties about your account(s) in accordance with the policies set forth in our Privacy Notice. For example, we will provisionally credit disclose information about your account(s) or the transfers you make that we believe is necessary: • To complete or document transactions, to investigate possible unauthorized transactions, or to combat fraud. • To verify the existence and condition of your account within ten business days for the amount a third party, such as a credit bureau or merchant. • In response to government agency inquiries or orders. • In response to court orders. • If you think is in errorgive us your written or oral permission. • To comply with government regulations. • To offer you products and services that we believe may interest you. Please refer to our Privacy Notice for more details on our informa- tion-sharing policies. Copies of our Privacy Notice are available at any of our branches or on our website at xxx.xxxxxxxxxxxx.xxx. You will have the use of the money during the time it takes us must pay our standard charges for research and copying when we provide account information to complete our investigation. If we ask you or to put your complaint or question in writing and we do not receive it within ten business days, we may not provisionally credit your account. If we decide that there was no error, we will send you a written explanation within three business days after we finish our investigation. You may ask for copies of the documents we used in our investigation. Security of Website While the credit union has taken all necessary and optional precautions to ensure the security and safety of its website and the Internet Banking Service, the credit union does not guarantee that downloads from the site will be free of any viruses or other destructive devices. Additionally, you provide, request, and receive information from the site with the knowledge that such information can be intercepted and/or viewed by unknown third parties.

Your Liability for Unauthorized Transfers. If Tell us AT ONCE if you believe any of your Card or Access Codes Information has been lost or stolen, you should notify us and change your password immediately. Tell us at once stolen or if you believe your statement, account or transaction information, or security information that an electronic funds transfer has been lost, stolen, or compromisedmade without your permission. Contacting Telephoning us by phone at 1-855-9-AKIMBO (1-8 5-925-4626) is the best way of keeping to minimize your possible losses downlosses. You could lose all the money in your account, as well as Card Account. You agree that any unauthorized use does not include use by a person to whom you have given authority to use your maximum overdraft line of credit, if applicableCard Account or Access Information and that you will be liable for all such uses and funds transfers by such person(s). If you tell us within two business days, you can lose no more than $50.00 if someone used your security information without your permission. If you do not tell us within two 2 business days after you learn of the loss or theft of your security information, Card or Access Information you can lose no more than $50 if someone used your Card or Access Information without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft of your Card or Access Information and we can prove we could have stopped someone from using your security information Card or Access Information without your permission if you had notified ustold us within this time frames, you could lose as much as $500.00500 if someone used your Card or Access Information without your permission. If Also, if your statement electronic history shows transfers transactions that you did not make, including those made by Card, Access Information or by other means, tell us at onceAT ONCE following the procedures stated in the paragraph labeled “Information About Your Right To Dispute Errors”. If we you do not receive notification from tell us within the earlier of sixty (60) days of the date you within electronically accessed your Card Account (if the error could be viewed in your electronic history), sixty calendar (60) days of the date we sent the first written history on which the error appeared, or one-hundred and twenty (120) days after the statement datealleged unauthorized transfer was credited or debited to your Card Account, you may not be entitled to get back any type of account re-credit for money you lost funds. We will tell after this period if we can prove that we could have stopped someone from taking the money if you the results of our investigation within ten business days after we hear from you, and will correct any error promptlyhad told us in time. If we need more time, however, we may take up to forty-five calendar days to investigate your complaint a good reason (such as a long trip or question. If we determine we need this extra timea hospital stay) kept you from learning of the unauthorized transaction and telling us, we will provisionally credit extend the time periods for a reasonable period in our sole discretion. Additional Limits on Liability Under MasterCard Rules. Under MasterCard Rules, you will not be liable for any unauthorized transactions using your account Card Account for point-of-sale transactions if (i) you can demonstrate that you have exercised reasonable care in safeguarding your Card from risk of loss or theft, (ii) you have not reported to us two (2) or more incidents of unauthorized use within ten business days for the amount you think prior twelve-month period, and (iii) your Card Account is otherwise in errorgood standing. This additional limit on liability does not apply to ATM transactions or to transactions using your PIN which are not processed by MasterCard. You will have the use of the money during the time it takes must notify us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten business days, we may not provisionally credit your account. If we decide that there was no error, we will send you a written explanation within three business 2 days after we finish our investigation. You may ask for copies of the documents we used electronic statement was made available to you showing unauthorized transaction(s) in our investigation. Security of Website While the credit union has taken all necessary and optional precautions order to ensure the security and safety of its website and the Internet Banking Service, the credit union does not guarantee that downloads from the site will be free take advantage of any viruses or other destructive devices. Additionally, you provide, request, and receive information from the site with the knowledge that such information can be intercepted and/or viewed by unknown third partieslimited liability provisions.

Your Liability for Unauthorized Transfers. If you believe any of tell us within two (2) Business Days after you discover your Access Codes Log-in Credentials or other means to access your account has been lost or stolen, you should notify us and change your password immediately. Tell us at once if you believe your statement, account or transaction information, or security information has been lost, stolen, or compromised. Contacting us by phone liability is the best way of keeping your possible losses down. You could lose all the money in your account, as well as your maximum overdraft line of credit, if applicable. If you tell us within two business days, you can lose no more than $50.00 if should someone used access your security information account without your permission. If you do not tell us within two business days (2) Business Days after you learn of the such loss or theft of your security informationtheft, and we can prove that we could have stopped someone from using prevented the unauthorized use of your security information without password or other means to access your permission account if you had notified told us, you could lose be liable for as much as $500.00. If your monthly financial institution statement shows contains transfers that you did not makeauthorize, you must tell us at once. If we you do not receive notification from you tell us within sixty calendar (60) days after the statement datewas sent to you, you may not be entitled lose any amount transferred without your authorization after the sixty (60) days if we can prove that we could have stopped someone from taking the money had you told us in time. If a good reason (such as a long trip or a hospital stay) prevented you from telling us, we may extend the period. Errors and Questions In case of errors or questions about your transactions, you should as soon as possible notify us via one of the following: • Telephone us at (000) 000-0000 during Customer Service hours; • Contact us by using the application’s e-messaging feature; and/or, • Write us at: Stifel Bank 0000 Xxxxxxxx Xxxxxx, Xxxxx 000 Xxxxxxx, Xxxxxxxx 00000 If you think your statement is incorrect or you need more information about a Service transaction listed on the statement, we must hear from you no later than sixty (60) days after the FIRST statement was sent to any type you on which the problem or error appears. You must: • Tell us your name and Service account number; • Describe the error or the transaction in question, and explain as clearly as possible why you believe it is an error or why you need more information; and, • Tell us the dollar amount of account re-credit for lost fundsthe suspected error. If you tell us verbally, we may require that you send your complaint in writing within ten (10) Business Days after your verbal notification. We will tell you the results of our investigation within ten business days (10) Business Days after we hear from you, and will correct any error promptly. If However, if we need require more time, howevertime to confirm the nature of your complaint or question, we may reserve the right to take up to forty-five calendar (45) days to investigate your complaint or questioncomplete our investigation. If we determine we need this extra timedecide to do this, we will provisionally credit your account Payment Account within ten business days (10) Business Days for the amount you think is in error. You will have the use of the money during the time it takes us to complete our investigation. If we ask you to put submit your complaint or question in writing and we do not receive it within ten business days(10) Business Days, we may not provisionally credit your accountPayment Account. If we decide that it is determined there was no error, error we will send mail you a written explanation within three business days (3) Business Days after we finish completion of our investigation. You may ask for copies of the documents we used in our investigation. Security of Website While the The Service may revoke any provisional credit union has taken all necessary and optional precautions provided to ensure the security and safety of its website and the Internet Banking Service, the credit union does you if we find an error did not guarantee that downloads from the site will be free of any viruses or other destructive devices. Additionally, you provide, request, and receive information from the site with the knowledge that such information can be intercepted and/or viewed by unknown third partiesoccur.

Your Liability for Unauthorized Transfers. If you believe any of your Access Codes user ID and/or password has been lost or stolen, you should notify us compromised and change your password immediately. Tell us at once if you believe your statement, account or transaction information, or security information has been lost, stolen, or compromised. Contacting us by phone is the best way of keeping your possible losses down. You could lose all the money in your account, as well as your maximum overdraft line of credit, if applicable. If you tell us within two business days2 Business Days of discovering the loss or misappropriation, you can lose no more than $50.00 50 if someone used your security information user ID and/or password without your permission. If you do not tell us within two business days after you learn of the loss or theft of your security information, and we can prove we could have stopped someone from using your security information without your permission if you had notified us2-Business Day period, you could lose as much as $500.00500 if we could have stopped the use of your accounts had we received notice in a timely manner. If You must contact the Bank as soon as you identify any errors or discrepancies in your periodic statement shows transfers that or transaction record, or if you did not make, tell us at onceneed any information about a transaction listed on the periodic statement or transaction record. If we do not receive notification We must hear from you within sixty calendar days after the statement date, you may not be entitled to any type of account re-credit for lost funds. We will tell you the results of our investigation within ten business no later than 60 days after we hear from youhave sent the first statement on which the unauthorized transaction, and will correct any problem or error promptlyappeared. (If we need more time, howeveryou notify us verbally, we may take up to forty-five calendar days to investigate your complaint or question. If we determine we need this extra time, we will provisionally credit your account within ten business days for the amount require that you think is in error. You will have the use of the money during the time it takes send us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it or electronically within ten business days10 Business Days). If you fail to notify us within the 60-day period, we you may not provisionally credit 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 reason such as out-of-town travel or extended hospital stays. MONEY MANAGEMENT & CASH BACK REWARDS OFFERS – END USER LICENSE AGREEMENT Should you decide to use either Money Management or the Cash Back Rewards feature of the Service, you acknowledge and agree to the following terms and conditions. License Grant and Restrictions: You are granted a personal, limited, non-exclusive, non-transferable license, to electronically access and use the Money Management Service (“Money Management”) solely to manage your accountfinancial data, and the Cash Back Rewards application ("Cash Back Rewards Offers") to benefit from your debit card purchases. If we decide that there was no errorIn addition to the Money Management Service and the Cash Back Rewards Offers, we the terms " Money Management " and "Cash Back Rewards Offers" also include any other programs, tools, internet-based services, components and any "updates" (for example, Service maintenance, Cash Back Rewards information, help content, bug fixes, or maintenance releases, etc.) of Money Management or Cash Back Rewards Offers if and when they are made available to you by us or by our third party vendors. Certain Money Management and Cash Back Rewards Offers may be accompanied by, and will send you a written explanation within three business days after we finish our investigationbe subject to, additional terms and conditions. You may ask for copies are not licensed or permitted to do any of the documents we used following and you may not allow any third party to do any of the following: (i) access or attempt to access any other systems, programs or data that are not made available for public use; (ii) copy, reproduce, republish, upload, post, transmit, resell or distribute in our investigation. Security of Website While any way the credit union has taken all necessary and optional precautions to ensure the security and safety of its website and the Internet Banking Service, the credit union does not guarantee that downloads material from the Money Management site will be free of any viruses or other destructive devices. Additionally, you provide, request, and receive information from the site with the knowledge that such information can be intercepted and/or viewed by unknown third parties.Cash Back Rewards Offers program;

Your Liability for Unauthorized Transfers. If you believe any of your Access Codes has been lost or stolen, you should notify us and change your password immediately. Tell us at once if you believe your statement, account or transaction information, or security information has been lost, stolen, or compromised. Contacting us by phone A. Consumer Accounts Only Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account, as well as your maximum overdraft line of credit, if applicable. If you tell us verbally, we may require you to send us your complaint or question in writing at XxxxxxxxxxxXxxxx@xxxxxXxxxxxx.xxx within two ten (10) business days. When you contact us, please provide the following information to the extent known:  Your name and the email address or mobile phone number you registered with clearXchange.  The date and dollar amount of the transaction in question.  If known, the name of the Network Bank Customer and the name of their bank.  A description of the transaction about which you are unsure. Please explain as clearly as you can lose no why you believe there is an error or why you need more than $50.00 if someone used your security information without your permission. If you do not tell us within two business days after you learn of the loss or theft of your security information, and we can prove we could have stopped someone from using your security information without your permission if you had notified us, you could lose as much as $500.00. If your statement shows transfers that you did not make, tell us at once. If we do not receive notification from you within sixty calendar days after the statement date, you may not be entitled to any type of account re-credit for lost funds. We will tell you work with the results of our investigation Network Bank that initiated the transfer to investigate your claim and we will determine whether an error occurred within ten (10) business days after we hear from you, and . Any error discovered as the result of the investigation will correct any error promptlybe promptly corrected. If we need more timetime is needed, however, we may take up to forty-five calendar (45) days may be taken to investigate your complaint or question. If we determine we need In this extra timecase, we your consumer bank account will provisionally credit your account be credited within ten (10) business days for the amount you think is in error. You will , so that you have the use of the money during the time it takes us to complete our the investigation. If we ask you are asked to put your complaint or question in writing writing, and we do your letter is not receive it within received in ten (10) business days, we your account may not be provisionally credit your accountcredited. We will give you the results of our investigation within three (3) business days after completing the investigation. If we decide that the investigation concludes there was no error, we you will send you receive a written explanation within three business days after we finish explanation. In this case, any provisional credit made to your bank account may be reversed and you authorize our investigationNetwork Banks to debit the bank account you have registered with clearXchange. You may ask for request copies of the documents we that were used in our the investigation. Security of Website While the credit union has taken all necessary and optional precautions to ensure the security and safety of its website and the Internet Banking Service, the credit union does not guarantee that downloads from the site will be free of any viruses or other destructive devices. Additionally, you provide, request, and receive information from the site with the knowledge that such information can be intercepted and/or viewed by unknown third parties.

Your Liability for Unauthorized Transfers. If You agree to exercise reasonable control over your PIN(s); user ID(s); and password(s) and any other access code related to your Card Account (each, an “Access Code” collectively access information) and your Card. Tell us AT ONCE if you believe your Our contacts with you about your Card Account are not unsolicited and might result from information we obtain from you or others. We may monitor or record any conversation or other communication with you. Unless the law says we cannot, we may modify or suppress caller ID and similar services Applicable Law and Review of your Arbitrator’s Award. The arbitrator shall apply applicable federal and Minnesota substantive law and the terms of this Agreement. The arbitrator must apply the terms of this arbitration agreement, including without limitation the IE4A2A08 Card or Access Codes Information has been lost or stolen. Also, if your transaction history shows transfers that you should notify us and change did not make, including those made with your password immediately. Tell Card, Card Number or Account Number, or you believe an electronic transfer has been made without your permission, tell us at once if you believe your statement, account or transaction information, or security information has been lost, stolen, or compromisedonce. Contacting Telephoning us by phone at 000-000-0000 is the best way of keeping your possible losses down. You could lose all of the money in your account, as well as Card Account. You agree that any unauthorized use does not include use by a person to whom you have given authority to use your maximum overdraft line Card Account or Access Information and that you will be liable for all such uses and funds transfers by such person(s). If you have a verified/personalized card the following provisions of credit, if applicable. this Section also apply: If you tell us within two business days, you can lose no more than $50.00 if someone used your security information without your permission. If you do not tell us within two 2 business days after you learn of the loss or theft of your security information, Card or Access Information you can lose no more than $50 if someone used your Card or Access Information without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft of your Card or Access Information and we can prove we could have stopped someone from using your security information Card or Access Information without your permission if you had notified ustold us within this time frame, you could lose as much as $500.00500 if someone used your Card or Access Information without your permission. If Also, if your statement electronic history shows transfers transactions that you did not make, including those made by Card, Access Information or by other means, tell us at onceAT ONCE. If we you do not receive notification from you tell us within sixty calendar 120 days after the statement datealleged unauthorized transfer was credited or debited to your Card Account, you may not be entitled to get back any type of account re-credit for money you lost funds. We will tell after this period if we can prove that we could have stopped someone from taking the money if you the results of our investigation within ten business days after we hear from you, and will correct any error promptlyhad told us in time. If we need more time, however, we may take up to forty-five calendar days to investigate your complaint a good reason (such as a long trip or question. If we determine we need this extra timea hospital stay) kept you from learning of the unauthorized transaction and telling us, we will provisionally credit your account within ten business days for the amount you think is in error. You will have the use of the money during extend the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten business days, we may not provisionally credit your account. If we decide that there was no error, we will send you periods for a written explanation within three business days after we finish our investigation. You may ask for copies of the documents we used reasonable period in our investigation. Security of Website While the credit union has taken all necessary and optional precautions to ensure the security and safety of its website and the Internet Banking Service, the credit union does not guarantee that downloads from the site will be free of any viruses or other destructive devices. Additionally, you provide, request, and receive information from the site with the knowledge that such information can be intercepted and/or viewed by unknown third partiessole discretion.

Your Liability for Unauthorized Transfers. If you believe any of your Access Codes has been lost or stolen, you should notify us and change your password immediately. Tell Contact us at once if you believe your statement, account or transaction information, or security information Card has been lost, lost or stolen, or compromised. Contacting us by phone Telephoning is the best way of keeping to minimize your possible losses down. You could lose all the money in your account, as well as your maximum overdraft line of credit, if applicablelosses. If you tell believe your Card has been lost or stolen, or that someone has transferred or may transfer money from your Card Account without your permission, call 000-000-0000 or visit xxx.xxxx.xxx. Under Visa Core Rules, your liability for unauthorized Visa debit transactions on your Card Account is $0.00 if you are not negligent or fraudulent in the handling of your Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa, or to anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us). You must notify us immediately of any unauthorized use. In the event the Visa Zero Liability Rules do not apply, if you notify us within two (2) business daysdays after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used your security information Card without your permission. If you do not tell notify us within two (2) business days after you learn of the loss or theft of your security information, Card and we can prove that we could have stopped someone from using your security information Card without your permission if you had promptly notified us, you could lose as much as $500.00. If Also, if you become aware of and/or your statement shows transfers transactions that you did not make, tell notify us at once. once following the procedures stated in the paragraph labeled “Information About Your Right to Dispute Errors.” If we you do not receive notification from you notify us within sixty calendar (60) days after you become aware of the statement datetransaction and/or after the [statement/transaction history] was made available to you, you may not be entitled to get back any type of account re-credit for value you lost funds. We will tell after the sixty (60) days if we can prove that we could have stopped someone from taking the value if you the results of our investigation within ten business days after we hear from you, and will correct any error promptlyhad notified us in time. If we need more time, however, we may take up to forty-five calendar days to investigate your complaint a good reason (such as a long trip or question. If we determine we need this extra timea hospital stay) kept you from telling us, we will provisionally credit your account within ten business days for the amount you think is in error. You will have the use of the money during extend the time it takes us to complete our investigationperiods. If we ask you to put your complaint Card has been lost or question in writing and we do not receive it within ten business days, we may not provisionally credit your account. If we decide that there was no errorstolen, we will close your Card Account to keep losses down and will send you a written explanation within three business days after we finish our investigationreplacement card. You may ask There is a fee for copies of replacing your Card. For information about the documents we used in our investigation. Security of Website While fee, see the credit union has taken all necessary and optional precautions to ensure the security and safety of its website and the Internet Banking Service, the credit union does not guarantee that downloads from the site will be free of any viruses or other destructive devices. Additionally, you provide, request, and receive information from the site with the knowledge that such information can be intercepted and/or viewed by unknown third partiessection labeled “Fee Schedule.”

Your Liability for Unauthorized Transfers. If you believe any of your Access Codes has been lost or stolen, you should notify us and change your password immediately. Tell Contact us at once if you believe your statement, account or transaction information, or security information Card has been lost, lost or stolen, or compromised. Contacting us by phone Telephoning is the best way of keeping to minimize your possible losses down. You could lose all the money in your account, as well as your maximum overdraft line of credit, if applicablelosses. If you tell believe your Card has been lost or stolen, or that someone has transferred or may transfer money from your Card Account without your permission, call us at the Customer Service number above. Under the Mastercard Rules, you will not be held responsible for unauthorized transactions if you have used reasonable care in protecting your Card from loss or theft and you have promptly reported to us when you knew that your Card was lost or stolen. Zero Liability does not apply to Mastercard payment cards that are used for commercial purposes, or anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us). In the event that Mastercard Zero Liability applies , if you notify us within two (2) business daysdays after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used your security information Card without your permission. If you do not tell notify us within two (2) business days after you learn of the loss or theft of your security information, Card and we can prove that we could have stopped someone from using your security information Card without your permission if you had promptly notified us, you could lose as much as $500.00. If Also, if you become aware of and/or your statement shows transfers transactions that you did not make, tell notify us at once. once following the procedures stated in the paragraph labeled “Your Right to Dispute Errors.” If we you do not receive notification from you notify us in writing within sixty calendar (60) days after the statement datewas made available to you, you may not be entitled to get back any type value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the value if you had notified us in time and you are grossly negligent or fraudulent in the handling of account re-credit for lost funds. We will tell you the results of our investigation within ten business days after we hear from you, and will correct any error promptlyyour Card. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we need more time, howeverwill extend the time periods. If your Card has been lost or stolen please notify us immediately and we will deactivate your Card and send you a replacement Card per our fee schedule. In some cases, we may take up close your Card Account to forty-five calendar days to investigate keep losses down. Upon your complaint or question. If we determine we need this extra time, we will provisionally credit your account within ten business days for the amount you think is in error. You will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten business daysrequest, we may not provisionally credit your account. If we decide that there was no error, we will send provide you with a written explanation within three business days after we finish our investigation. You may ask for copies of the documents we used in our investigation. Security of Website While the credit union has taken all necessary and optional precautions to ensure the security and safety of its website and the Internet Banking Service, the credit union does not guarantee that downloads from the site will be free of any viruses or other destructive devices. Additionally, you provide, request, and receive information from the site with the knowledge that such information can be intercepted and/or viewed by unknown third partiesreplacement Card Account.

Your Liability for Unauthorized Transfers. Immediately following your discovery of an unauthorized Payment Instruction, you shall contact us at 000-000-0000. You acknowledge and agree that time is of the essence in such situations. Applicable to PERSONAL Purpose account types only: If you believe any of tell us within two (2) Business Days after you discover your Access Codes password or other means to access your account through which you access the Service has been lost or stolen, you should notify us and change your password immediately. Tell us at once if you believe your statement, account or transaction information, or security information has been lost, stolen, or compromised. Contacting us by phone liability is the best way of keeping your possible losses down. You could lose all the money in your account, as well as your maximum overdraft line of credit, if applicable. If you tell us within two business days, you can lose no more than $50.00 if should someone used access your security information account without your permission. If you do not tell us within two business days (2) Business Days after you learn of the such loss or theft of your security informationtheft, and we can prove that we could have stopped someone from using prevented the unauthorized use of your security information without password or other means to access your permission account if you had notified told us, you could lose be liable for as much as $500.00. If your monthly financial institution statement shows transfers contains payments that you did not makeauthorize, you must tell us at once. If we you do not receive notification from you tell us within sixty calendar (60) days after the statement datewas sent to you, you may lose any amount transferred without your authorization after the sixty (60) days if we can prove that we could have stopped someone from taking the money had you told us in time. If a good reason (such as a long trip or a hospital stay) prevented you from telling us, we will extend the time periods specified above to a reasonable period. Applicable to BUSINESS Purpose account types only: Except as otherwise required by law, we shall only be liable for our own gross negligence and willful misconduct and shall not be entitled responsible for any loss or damage arising from or in connection with (a) any inaccuracy, act or failure to act on the part of any type person not within our reasonable control or (b) any error, failure or delay in execution of any transfer resulting from circumstances beyond our reasonable control, including, but not limited to, any inoperability of communication facilities, system delays in effecting account re-credit for lost fundspostings, or other operational delays. We will tell you the results You agree to promptly examine all periodic statements of our investigation within ten business days after your accounts affected by transfers and any confirmation of transfers that we hear from or other banks may send or make available to you, and will correct any error promptly. If we need more time, however, we may take up to forty-five calendar days to investigate your complaint or question. If we determine we need this extra time, we will provisionally credit your account within ten business days for the amount you think is in error. You will have the use of the money during the time it takes promptly notify us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten business days, we may not provisionally credit your account. If we decide that there was no error, we will send you a written explanation within three business days after we finish our investigation. You may ask for copies of the documents we used in our investigation. Security of Website While the credit union has taken all necessary and optional precautions to ensure the security and safety of its website and the Internet Banking Service, the credit union does not guarantee that downloads from the site will be free of any viruses discrepancy within thirty (30) days of receipt of any periodic statement or other destructive devicesconfirmation. Additionally, you provide, request, and receive information We shall not be liable for any loss or damage arising from the site or in connection with the knowledge that any transfer reflected on such information can be intercepted and/or viewed by unknown third partiesperiodic statement.

Your Liability for Unauthorized Transfers. If you believe any of your Access Codes has been lost or stolen, you should notify us and change your password immediately. Tell Contact us at once if you believe your statement, account or transaction information, or security information Card has been lost, lost or stolen, or compromised. Contacting us by phone Telephoning is the best way of keeping to minimize your possible losses down. You could lose all the money in your account, as well as your maximum overdraft line of credit, if applicablelosses. If you tell believe your Card has been lost or stolen, or that someone has transferred or may transfer money from your Card Account without your permission, call 000-000-0000 or visit xxx.xxxx.xxx. Under Mastercard Rules, you will not be held responsible for unauthorized transactions if you have used reasonable care in protecting your Card from loss or theft and you have promptly reported to us when you knew that your Card was lost or stolen. Zero Liability does not apply to Mastercard payment cards that are used for commercial purposes, or anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us). In the event that Mastercard Zero Liability does not apply, if you notify us within two (2) business daysdays after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used your security information Card without your permission. If you do not tell notify us within two (2) business days after you learn of the loss or theft of your security information, Card and we can prove that we could have stopped someone from using your security information Card without your permission if you had promptly notified us, you could lose as much as $500.00. If Also, if you become aware of and/or your statement shows transfers transactions that you did not make, tell notify us at once. once following the procedures stated in the paragraph labeled “Information About Your Right to Dispute Errors.” If we you do not receive notification from you notify us within sixty calendar (60) days after you become aware of the statement datetransaction and/or after the transaction history was made available to you, you may not be entitled to get back any type of account re-credit for value you lost funds. We will tell after the sixty (60) days if we can prove that we could have stopped someone from taking the value if you the results of our investigation within ten business days after we hear from you, and will correct any error promptlyhad notified us in time. If we need more time, however, we may take up to forty-five calendar days to investigate your complaint a good reason (such as a long trip or question. If we determine we need this extra timea hospital stay) kept you from telling us, we will provisionally credit your account within ten business days for the amount you think is in error. You will have the use of the money during extend the time it takes us to complete our investigationperiods. If we ask you to put your complaint Card has been lost or question in writing and we do not receive it within ten business days, we may not provisionally credit your account. If we decide that there was no errorstolen, we will close your Card Account to keep losses down and will send you a written explanation within three business days after we finish our investigation. You may ask for copies of the documents we used in our investigation. Security of Website While the credit union has taken all necessary and optional precautions to ensure the security and safety of its website and the Internet Banking Service, the credit union does not guarantee that downloads from the site will be free of any viruses or other destructive devices. Additionally, you provide, request, and receive information from the site with the knowledge that such information can be intercepted and/or viewed by unknown third partiesreplacement card.

Your Liability for Unauthorized Transfers. If you believe any of your Access Codes has been lost or stolen, you should notify us and change your password immediately. Tell Contact us at once if you believe the Card, PIN or Varo Bank Account number has been stolen or compromised. Telephoning is the best way to minimize your statementpossible losses. If the Card, account PIN or transaction information, or security information Varo Bank Account number has been lost, stolenstolen or compromised, or compromisedyou suspect that someone has transferred or may transfer money from the Varo Bank Account without your permission, call 0- 000-000-0000. Contacting us Under Visa Core Rules, your liability for unauthorized Visa debit transactions on the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card. . This reduced liability does not apply to certain commercial card transactions, transactions not processed by phone is Visa, or to anonymous prepaid cards (until such time as the best way identity of keeping your possible losses downthe cardholder has been registered with us). You could lose all must notify us immediately of any unauthorized use. In the money in your account, as well as your maximum overdraft line of creditevent that the Visa Zero Liability Rules do not apply, if applicable. If you tell notify us within two (2) business daysdays after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used your security information the Varo Bank Account without your permission. If you do not tell notify us within two (2) business days after you learn of the loss or theft of your security informationthe Card, PIN, or Varo Bank Account number and we can prove that we could have stopped someone from using your security information the Varo Bank Account without your permission if you had promptly notified us, you could lose as much as $500.00. If Also, if you become aware of and/or your statement shows transfers transactions that you did not make, tell notify us at onceonce following the procedures stated in the paragraph captioned "Information About Your Right to Dispute Errors". If we you do not receive notification from you notify us within sixty calendar (60) days after you become aware of the transaction(s) and/or the statement datewas made available to you, you may not be entitled to get back any type of account re-credit for the value you lost funds. We will tell after the sixty (60) days if we can prove that someone could have been stopped from taking value if you the results of our investigation within ten business days after we hear from you, and will correct any error promptlyhad provided us notice in time. If we need more time, however, we may take up to forty-five calendar days to investigate your complaint a good reason (such as a long trip or question. If we determine we need this extra timea hospital stay) kept you from telling us, we will provisionally credit your account within ten business days for the amount you think is in error. You will have the use of the money during extend the time it takes us to complete our investigationperiods. If we ask you to put your complaint the Card, PIN or question in writing and we do not receive it within ten business daysVaro Bank Account number has been lost, we may not provisionally credit your account. If we decide that there was no errorstolen or compromised, we will deactivate the Card and/or Varo Bank Account to keep losses down and send you a written explanation within three business days after we finish our investigationreplacement Card and/or Varo Bank Account number. If the Varo Bank Account number changes you must immediately notify your employer or any other payors or merchants. You may ask for copies of must provide them with the documents we used in our investigation. Security of Website While the credit union has taken all necessary and optional precautions new Varo Bank Account number to ensure the security and safety of its website and the Internet Banking Service, the credit union does not guarantee that downloads from the site will be free of any viruses or other destructive devices. Additionally, you provide, request, and receive information from the site with the knowledge that such information can be intercepted your direct deposit and/or viewed by unknown third partiesACH Debit activity continues uninterrupted.

Your Liability for Unauthorized Transfers. If you believe any of your Access Codes has been lost or stolen, you should notify us and change your password immediately. Tell us at once CONTACT US IMMEDIATELY if you believe your statementLogin ID, account or transaction informationPassword, or security information has other Log-In Credentials have been lost, stolen, misused, used without your authorization or compromisedotherwise compromised or if someone has transferred or may transfer money from your Accounts without your permission. Contacting us by phone Telephoning is the best way of keeping your possible losses downto a minimum. You could lose all the money in your account, as well as Accounts (plus your maximum overdraft line of creditcredit or discretionary overdraft limit, if applicableany). If you are a business customer, you understand that: (i) you may be liable for any and all transactions initiated through Online Banking using your Login ID, Password, or other Log-In Credentials, whether actually transmitted or authorized by you; and (ii) we shall have no duty or obligation to verify either the authenticity of such transactions initiated through the use of your Login ID, Password, or other Log-In Credentials or the identity or authority of the person executing such transactions. If you are a consumer and believe your Login ID, Password, or other Log-In Credentials have been lost, stolen, misused, used without authorization, or compromised, and you tell us within two business days(2) Business Days after you learn of the loss or theft, you can lose no more than $50.00 50 if someone used your security information Login-ID and Password without your permission. If you do not tell fail to notify us within two business days (2) Business Days after you learn of the loss or theft of your security informationtheft, and we can prove we could have stopped someone from using your security information credentials to access your Accounts without your permission if you had notified told us, you could lose as much as $500.00500. In addition, you must report any unauthorized transactions that appear on your statement within 60 days of its mailing to avoid liability for subsequent transfers. If your statement shows transfers that you did not make, tell us at once. If we fail to do not receive notification from you within sixty calendar days after the statement dateso, you may not be entitled to any type of account re-credit for lost funds. We will tell you the results of our investigation within ten business days after we hear from you, and will correct any error promptly. If we need more time, however, we may take up to forty-five calendar days to investigate your complaint or question. If we determine we need this extra time, we will provisionally credit your account within ten business days held liable for the amount of all unauthorized transfers that occur after the 60th day, provided we can establish the loss would not have occurred had you think is in error. You will have notified us within the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten business days, we may not provisionally credit your account. If we decide that there was no error, we will send you a written explanation within three business days after we finish our investigation. You may ask for copies of the documents we used in our investigation. Security of Website While the credit union has taken all necessary and optional precautions to ensure the security and safety of its website and the Internet Banking Service, the credit union does not guarantee that downloads from the site will be free of any viruses or other destructive devices. Additionally, you provide, request, and receive information from the site with the knowledge that such information can be intercepted and/or viewed by unknown third parties60-day period.

Your Liability for Unauthorized Transfers. If Tell us AT ONCE if you believe any of your Access Codes Card, PIN, or Account number has been lost or stolen, you should notify us and change your password immediately. Tell us at once or if you believe your statement, account or transaction information, or security information that an electronic fund transfer has been lost, stolen, or compromisedmay be made without your permission. Contacting Telephoning us by phone at 0-000-000-0000 is the best way of keeping your possible losses down. You could lose all the money in your accountAccount, as well as plus your maximum overdraft line of creditOverdrive limit, if applicable. If you tell us within two business days, you can lose no more than $50.00 if someone used your security information without your permission. If you do not tell us within two 2 business days after you learn of the loss or theft of your security informationCard, PIN, or Account number, you can lose no more than $50 if someone used your Card, PIN, or Account number without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft of your Card, PIN, or Account number, and we can prove we could have stopped someone from using your security information Card, PIN, or Account number without your permission if you had notified told us, you could lose as much as $500.00500. If Also, if your statement shows transfers that you did not make, including those made by card, code or other means, tell us at once. For procedures on reporting statement errors, see the section labeled “Information About Your Right to Dispute Errors”, below. If we you do not receive notification from you tell us within sixty calendar (60) days after the statement datewas made available to you, you may not be entitled to get back any type of account re-credit for money you lost funds. We will tell after the sixty (60) days if we can prove that we could have stopped someone from taking the money if you the results of our investigation within ten business days after we hear from you, and will correct any error promptlyhad told us in time. If a good reason (such as a long trip or a hospital stay) keeps you from telling us, we need more timewill extend the time periods. If your Card, howeverPIN, or Account number has been lost or stolen, we may take up close your Card and/or Account to forty-five calendar days to investigate your complaint or question. If we determine we need this extra time, we will provisionally credit your account within ten business days for the amount you think is in error. You will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing keep losses down and we do not receive it within ten business days, we may not provisionally credit your account. If we decide that there was no error, we will send you a written explanation within three business days after we finish our investigationreplacement Card and/or Account number. You may ask Notwithstanding the above, pursuant to Visa U.S.A. Inc. Operating Regulations and Visa Zero Liability Rules, your liability for copies unauthorized Visa debit transactions on your Account is $0.00 if you are not grossly negligent or fraudulent in the handling of the documents we used in our investigationyour Card. Security of Website While the credit union has taken all necessary and optional precautions to ensure the security and safety of its website and the Internet Banking Service, the credit union This reduced liability does not guarantee that downloads from apply to certain commercial card transactions, transactions not processed by Visa, or to ATM transactions outside the site will be free U.S. You must notify us immediately of any viruses or other destructive devices. Additionally, you provide, request, and receive information from the site with the knowledge that such information can be intercepted and/or viewed by unknown third partiesunauthorized use.

Your Liability for Unauthorized Transfers. If you believe any of your Access Codes has been lost or stolen, you should notify us and change your password immediately. Tell Contact us at once if you believe your statement, account Card or transaction information, or security information PIN has been lost, lost or stolen, or compromised. Contacting us by phone Telephoning is the best way of keeping to minimize your possible losses down. You could lose all the money in your account, as well as your maximum overdraft line of credit, if applicablelosses. If you tell us within two business daysbelieve your Card has been lost or stolen, you can lose no more than $50.00 if or that someone used has transferred or may transfer money from your security information Card Account without your permission, call us at Customer Service. If you have both a virtual and a physical Card and you report one of your Cards lost or stolen, both Cards will be canceled and new Cards will be issued. VISA Transactions Routed through the Visa System: Visa Zero Liability Protection. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized transactions using your Card Account that take place on the Visa system without a PIN is $0.00 if you are not grossly negligent or fraudulent in the handling of your Card. This reduced liability does not apply to PIN transactions not processed by Visa or ATM cash withdrawals (see Transactions Not Routed Through the Visa System below). Transactions Not Routed Through the Visa System: Unauthorized transactions that are not routed through Visa are not protected by the Visa Zero Liability Protection policy. These types of transactions include (i) ATM transactions, and (ii) point of sale, PIN, PINless, automated clearing house, or other debit transactions not processed by Visa. Also, if you become aware of and/or your statement or electronic history shows transactions that you did not make, notify us at once following the procedures stated in the paragraph labeled “Your Right to Dispute Errors”. If you do not tell notify us in writing within two business sixty (60) days after you learn become aware of the loss or theft of your security informationtransaction and/or after the statement was made available to you, and you may not get back any value you lost after the sixty (60) days if we can prove that we could have stopped someone from using your security information without your permission taking the value if you had notified us in time and you are grossly negligent or fraudulent in the handling of your Card. If a good reason (such as a long trip or a hospital stay) kept you from telling us, you could lose as much as $500.00we will extend the time periods. If your statement shows transfers that you did not make, tell us at once. If we do not receive notification from you within sixty calendar days after the statement date, you may not be entitled to any type of account re-credit for Card has been lost funds. We will tell you the results of our investigation within ten business days after we hear from you, and will correct any error promptly. If we need more time, however, we may take up to forty-five calendar days to investigate your complaint or question. If we determine we need this extra timestolen, we will provisionally credit close your account within ten business days for the amount you think is in errorCard Account to keep losses down. You will have the use of the money during the time it takes us to complete our investigation. If we ask you to put Upon your complaint or question in writing and we do not receive it within ten business days, we may not provisionally credit your account. If we decide that there was no errorrequest, we will send issue you a written explanation within three business days after we finish our investigation. You may ask for copies of the documents we used in our investigation. Security of Website While the credit union has taken all necessary and optional precautions to ensure the security and safety of its website and the Internet Banking Service, the credit union does not guarantee that downloads from the site will be free of any viruses or other destructive devices. Additionally, you provide, request, and receive information from the site with the knowledge that such information can be intercepted and/or viewed by unknown third partiesreplacement Card.

Your Liability for Unauthorized Transfers. If you believe any Immediately following your discovery of your Access Codes has been lost or stolenan unauthorized Payment Instruction, you should notify us and change your password immediately. Tell us at once if you believe your statement, account or transaction information, or security information has been lost, stolen, or compromised. Contacting us by phone is shall communicate with customer care for the best way Service in the manner set forth in Section 6 of keeping your possible losses downthe General Terms above. You could lose all acknowledge and agree that time is of the money essence in your account, as well as your maximum overdraft line of credit, if applicablesuch situations. If you tell us within two business daysBusiness Days after you discover your password or other means to access your account through which you access the Service has been lost or stolen, you can lose your liability is no more than $50.00 if 50 should someone used access your security information account without your permission. If you do not tell us within two business days Business Days after you learn of the such loss or theft of your security information, and we can prove that we could have prevented the unauthorized use of your password or other means to access your account if you had told us, you could be liable for as much as $500. If your monthly statement contains payments that you did not authorize, you must tell us at once. If you do not tell us within sixty days after the statement was sent to you, you may lose any amount transferred without your authorization after the sixty days if we can prove that we could have stopped someone from using taking the money had you told us in time. If a good reason (such as a long trip or a hospital stay) prevented you from telling us, we may in our sole discretion extend the period. To the extent that this Agreement applies to business customers, the following terms apply in lieu of the foregoing: BUSINESS CUSTOMER LIABILITY Tell us AT ONCE if you believe your security information password has been lost, stolen, or compromised, or that someone has transferred or may transfer money from your account without your permission permission. You should immediately contact us as indicated in Section 6 above. Please note that transactions initiated by someone to whom you have given your password are not considered unauthorized transactions. Telephoning us is the best way of minimizing your possible losses. You could lose all the money in the account linked to Online Banking, plus your maximum overdraft line of credit (if applicable). You will continue to be liable for all transfers and transactions initiated by use of the Services until you had notified uschange your password or you request us to do so and we change your password. If you fail to notify us that your password has been lost or stolen, you could lose as much as $500.00all of the money in your accounts. If your statement shows transfers You further agree that you did not make, tell us at once. If we do not receive notification from you within sixty calendar days after the statement date, you may will not be entitled to any type of account re-credit liable for lost funds. We will tell you consequential damages arising from the results of our investigation within ten business days after we hear from you, and will correct any error promptly. If we need more time, however, we may take up to forty-five calendar days to investigate your complaint or question. If we determine we need this extra time, we will provisionally credit your account within ten business days for the amount you think is in error. You will have the unauthorized use of the money during the time it takes us to complete our investigation. If we ask you to put Services that access your complaint or question in writing and we do not receive it within ten business days, we may not provisionally credit your account. If we decide that there was no error, we will send you a written explanation within three business days after we finish our investigation. You may ask for copies of the documents we used in our investigation. Security of Website While the credit union has taken all necessary and optional precautions to ensure the security and safety of its website and the Internet Banking Service, the credit union does not guarantee that downloads from the site will be free of any viruses or other destructive devices. Additionally, you provide, request, and receive information from the site with the knowledge that such information can be intercepted and/or viewed by unknown third partiesaccounts.

Your Liability for Unauthorized Transfers. If you believe any of your Access Codes has been lost or stolen, you should notify us and change your password immediately. Tell Contact us at once if you believe your statement, account or transaction information, or security information Card has been lost, lost or stolen, or compromised. Contacting us by phone Telephoning is the best way of keeping to minimize your possible losses down. You could lose all the money in your account, as well as your maximum overdraft line of credit, if applicablelosses. If you tell believe your Card has been lost or stolen, or that someone has transferred or may transfer money from your Card Account without your permission, call us at the Customer Service number above. Under the Mastercard Rules, you will not be held responsible for unauthorized transactions if you have used reasonable care in protecting your Card from loss or theft and you have promptly reported to us when you knew that your Card was lost or stolen. Zero Liability does not apply to Mastercard payment cards that are used for commercial purposes, or anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us). In the event that Mastercard Zero Liability does not apply, if you notify us within two (2) business daysdays after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used your security information Card without your permission. If you do not tell notify us within two (2) business days after you learn of the loss or theft of your security information, Card and we can prove that we could have stopped someone from using your security information Card without your permission if you had promptly notified us, you could lose as much as $500.00. If Also, if you become aware of and/or your statement shows transfers transactions that you did not make, tell notify us at once. once following the procedures stated in the paragraph labeled “Your Right to Dispute Errors.” If we you do not receive notification from you notify us in writing within sixty calendar (60) days after you the statement datewas made available to you, you may not be entitled to get back any type value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the value if you had notified us in time and you are grossly negligent or fraudulent in the handling of account re-credit for lost funds. We will tell you the results of our investigation within ten business days after we hear from you, and will correct any error promptlyyour Card. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we need more time, howeverwill extend the time periods. If your Card has been lost or stolen please notify us immediately and we will deactivate your Card and send you a replacement Card per our fee schedule. In some cases, we may take up close your Card Account to forty-five calendar days to investigate keep losses down. Upon your complaint or question. If we determine we need this extra time, we will provisionally credit your account within ten business days for the amount you think is in error. You will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten business daysrequest, we may not provisionally credit your account. If we decide that there was no error, we will send provide you with a written explanation within three business days after we finish our investigation. You may ask for copies of the documents we used in our investigation. Security of Website While the credit union has taken all necessary and optional precautions to ensure the security and safety of its website and the Internet Banking Service, the credit union does not guarantee that downloads from the site will be free of any viruses or other destructive devices. Additionally, you provide, request, and receive information from the site with the knowledge that such information can be intercepted and/or viewed by unknown third partiesreplacement Card Account.

Your Liability for Unauthorized Transfers. If you believe any of your Access Codes has been lost or stolen, you should notify us and change your password immediately. Tell us at once FSB AT ONCE if you believe your statementATM card, account debit card, Personal Identification Number (PIN) or transaction information, or security information similar code has been lost, stolen, or compromised. Contacting us learned by phone is the best way of keeping an unauthorized person, or if you believe that an electronic fund transfer has been made without your possible losses down. You could lose all the money in permission using information from your account, as well as your maximum overdraft line of credit, if applicablecheck. If you tell us FSB within two business daysdays after you learn of the loss or theft, you can lose no more than $50.00 if 50 for an unauthorized electronic funds transfer or a series of related unauthorized transfers should someone used use your security information card or code without your permission. If you do not NOT tell us FSB within two business days after you learn of the loss or theft of your security information, card or code and we can prove we FSB could have stopped someone from using your security information card or code without your permission if you had notified ustold FSB, you could lose as much as $500.00500. If Your losses could include all of the money in your account plus, if you have an overdraft protection plan linked to your account, any transfers from another account, or any advances on a credit line or credit card. Tell FSB AT ONCE if your statement shows transfers that you did not make, tell us at onceincluding those made by card, code, or other means. If we you do not receive notification from you tell FSB within sixty calendar 60 days after the statement datewas mailed to you, you may not be entitled to get back any type of account re-credit for money you lost funds. We will tell after the 60 days if FSB could have stopped someone from taking the money if you the results of our investigation within ten business days after we hear from you, and will correct any error promptlyhad told FSB in time. If we need more timea good reason (such as a long trip or a hospital stay) kept you from telling FSB, however, we may take up to forty-five calendar days to investigate your complaint or question. If we determine we need this extra time, we FSB will provisionally credit your account within ten business days for the amount you think is in error. You will have the use of the money during extend the time it takes us periods for claims of unauthorized transfers. The Telephone Number and Address to complete our investigation. If we ask you to put your complaint Report Unauthorized Transfer and Lost or question in writing Stolen USAA ATM cards and we do not receive it within ten business days, we may not provisionally credit your account. If we decide that there was no error, we will send you a written explanation within three business days after we finish our investigationdebit cards or access codes are shown on the Service Fee Schedule. You may ask for copies of also contact FSB on xxxx.xxx. You should also call the documents we used in our investigationnumber or write to the address listed on the Service Fee Schedule or contact FSB at xxxx.xxx if you believe a transfer has been made using the information from your check without your permission. Security of Website While the credit union has taken all necessary and optional precautions to ensure the security and safety of its website and the Internet Banking Service, the credit union does not guarantee that downloads from the site will be free of any viruses or other destructive devices. AdditionallyIf unauthorized activity occurs, you provide, request, agree to cooperate during the investigation and receive information from to complete an affidavit regarding the site with the knowledge that such information can be intercepted and/or viewed by unknown third partiesunauthorized activity.

Your Liability for Unauthorized Transfers. If you believe any of your Access Codes Card has been lost or stolen, you or that your PIN has been discovered by someone else, or that someone has conducted or may conduct a Transaction without your permission, contact us immediately as described in Section C.4. You should notify also contact us and change your password immediately. Tell us at once as described in Section C.4 if you believe your statement, account or transaction information, or security information a Transaction has been lost, stolen, or compromisedmade using the information from your check without your permission. Contacting Calling us by phone is the best way of keeping your to reduce possible losses downlosses. You could lose all the money in your account, as well as accounts (plus your maximum overdraft line of credit, if applicable). If you learn of the loss or theft of your Card/PIN and tell us within two 2 business days, you can lose no more than $50.00 50 if someone used your security information Card/PIN without your permission. If you do not NOT tell us within two 2 business days after you learn of the loss or theft of your security informationCard/PIN, and we can prove we could have stopped someone from using your security information Card/PIN without your permission if you had notified told us, you could lose as much as $500.00500. If You will not be liable for any unauthorized Visa Purchases unless we determine that you were grossly negligent or fraudulent in the handling of your account or Visa Check Card/Visa HSA Debit Card. Also, if your statement shows transfers Transactions that you did not make, tell including those made by Card, code or other means, notify us at once. If we you do not receive notification from you notify us within sixty calendar 60 days after the statement datewas mailed to you, you may not be entitled to get back any type of account re-credit for lost funds. We will tell money you lost, if we can prove that we could have stopped someone from taking the results of our investigation within ten business days after we hear from you, and will correct any error promptlymoney had you told us in time. If we need more time, however, we may take up to forty-five calendar days to investigate your complaint good reasons (such as long trips or question. If we determine we need this extra timea hospital stay) kept you from telling us, we will provisionally credit your account within ten business days for the amount you think is in error. You will have the use of the money during extend the time it takes periods to a reasonable limit. Notice of lost Cards or PINs or unauthorized Transactions is considered given to us to complete our investigationeither in person, by telephone or in writing. If we ask you to put your complaint notify us in writing, notice is considered given at the time you place the notice in the mail or question in writing and we do not receive it within ten business days, we may not provisionally credit your account. If we decide that there was no error, we will send when you a written explanation within three business days after we finish our investigation. You may ask deliver the notice for copies of the documents we used in our investigation. Security of Website While the credit union has taken all necessary and optional precautions to ensure the security and safety of its website and the Internet Banking Service, the credit union does not guarantee that downloads from the site will be free of transmission by any viruses or other destructive devices. Additionally, you provide, request, and receive information from the site with the knowledge that such information can be intercepted and/or viewed by unknown third partiesmeans.

Your Liability for Unauthorized Transfers. If you believe any tell GHS FCU within two (2) Business Days after you learn of unauthorized access to your Access Codes has been lost or stolen, you should notify us account(s) and/or that your GHS FCU Internet Home Banking Account Number and change your password immediately. Tell us at once if you believe your statement, account or transaction information, or security information Password has been lost, stolen, stolen or compromised. Contacting us by phone is the best way of keeping your possible losses down. You could lose all the money in your account, as well as your maximum overdraft line of credit, if applicable. If you tell us within two business days, you can lose no more than $50.00 if someone used your security information without your permission50.00. If you do not tell us fail to notify GHS FCU within two business days (2) Business Days after you learn of the loss unauthorized access to your account(s) and/or that your GHS FCU Internet Home Banking Account Number and Password has been lost, stolen or theft of your security informationcompromised, and we can prove that we could have stopped someone from using prevented the unauthorized access to your security information without account(s), or use of your permission if GHS FCU Internet Home Banking Account Number and Password had you had notified us, you could lose as much as $500.00. If your monthly statement shows or your online account detail reflect any transfers or payments that you did not make, tell us at once. If we you do not receive notification from you tell us within sixty calendar (60) days after the first statement datewhich reflected an unauthorized transfer(s) or payment(s) was mailed to you, you may not be entitled to get back any type money you lost after the 60 days, provided that we can prove that we could have stopped someone from taking money if you had told us in time. ERRORS AND QUESTIONS Telephone us as soon as you can if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. Your inquiry must include: • Your name and account number • A description of account re-credit for lost fundsthe error or the transfer you are unsure about and an explanation of why you believe it is an error or why you need more information • The dollar amount of the suspected error • The date of occurrence If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will generally tell you the results of our investigation within ten 10 business days after we hear from you, and will correct any error promptlyof the receipt of your complaint or question (20 business days if the transaction involved an account opened within the past 30 days). If we need more time, however, we may take up to forty-five calendar days to investigate your complaint or question. If we determine we need this extra time, we will provisionally credit your account within ten business days for the amount you think is in error. You will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten business 45 days, we may not provisionally credit your account. If we decide that there was no error, we will send you a written explanation within three business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation. Security of Website While the credit union has taken all necessary and optional precautions to ensure the security and safety of its website and the Internet Banking Service, the credit union does not guarantee that downloads from the site will be free of any viruses or other destructive devices. Additionally, you provide, request, and receive information from the site with the knowledge that such information can be intercepted and/or viewed by unknown third parties.

Your Liability for Unauthorized Transfers. If you believe any of your Access Codes has been lost or stolen, you should notify us and change your password immediately. Tell us at once AT ONCE if you believe your statementaccount number, account or transaction information, or security information user name and/or password has been lost, stolenstolen or compromised, or compromisedthat someone to whom you have granted authority to use your account number, user name and/or password has exceeded such authority or if someone has transferred or may transfer money from your accounts without your permission. Contacting us by phone is the best way of keeping your possible losses down. You could lose all the money in your account, as well as your maximum overdraft line of credit, if applicable. (This paragraph applies only to Consumer Accounts) If you tell us within two 2 business daysdays after you learn of the loss or theft, you can lose no more than $50.00 50 if someone used your security information account number, user name and/or password without your permission. If you do not NOT tell us within two 2 business days after you learn of the loss or theft of your security informationaccount number and/or password, and we can prove it we could have stopped someone from using your security information account number and/or password without your permission if you had notified told us, you could lose as much as $500.00500. If Also, if your statement shows transfers transactions that you did not make, tell us at once. If we you do not receive notification from you tell us within sixty calendar 60 days after the statement datewas mailed to you, you may not be entitled 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 good reasons (such as long trips or a hospital stay) kept you from telling us, we will extend the time periods to any type of account re-credit for lost fundsa reasonable limit. Errors or Questions About Your Electronic Transactions If you think your statement is wrong or if you need more information about a transfer listed on the statement, please contact Community Bank as soon as possible as described under Problems, Inquiries above. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. • Tell us your name and account number. • Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. • Tell us the dollar amount of the suspected error. • If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. (This paragraph applies only to Consumer Accounts) We will tell you the results of our investigation determine whether an error occurred within ten 10 business days after we hear from you, you and will correct any error promptly. If we need more time, however, we may take up to forty-five calendar 45 days to investigate your complaint or question. If we determine we need this extra timedecide to do this, we will provisionally credit your account within ten 10 business days for the amount you think is in error. You , so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten 10 business days, we may not provisionally credit your account. For errors involving new accounts, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. We will tell you the results within 3 business days after completing our investigation. If we decide that there was no error, we will send you a written explanation within three business days after we finish our investigationexplanation. You may ask for copies of the documents that we used in our investigation. Security Liability for Failure to Make Payments We are responsible only for exercising ordinary care in making payments upon your authorization and for mailing or sending a payment to the designated payee based on the circumstances outlined above. Without liability, we may not effect a transaction if we are unable to obtain authentication of Website While such transaction satisfactory to us, if there is any inconsistency between a transaction and information previously supplied to us, if such transaction is not initiated in conformity with the credit union has taken terms of this addendum, if we reasonably believe that execution of the transaction might result in an unauthorized or erroneous transfer of funds or might otherwise cause us to suffer a loss. We are not responsible for payments that cannot be made due to incomplete, incorrect, or outdated information. We make no warranty of any kind, express or implied, including any implied warranty of merchantability or fitness for a particular purpose, in connection with Xxxx Pay. We do not and cannot warrant that the Xxxx Pay Service will operate without error, or that the Xxxx Pay Service will be available at all necessary times. Except as specifically provided in this addendum, or otherwise required by law, you agree that we and optional precautions to ensure the security and safety our officers, directors, employees, agents or contractors are not liable for any indirect, incidental, special or consequential damages under or by reason of its website and the Internet Banking your use of Xxxx Pay Service, including loss of profits, revenue, data or use by you or any third party, whether in an action in contract or tort or based on a warranty or any other legal theory. We will not be liable if we do not make a transfer on time or in the credit union does not guarantee that downloads from the site will be free of any viruses or other destructive devices. Additionally, you provide, request, and receive information from the site with the knowledge that such information can be intercepted and/or viewed by unknown third parties.correct amount if:

Your Liability for Unauthorized Transfers. If you believe any of are unable to find your Access Codes has been lost or stolenCard, you should notify us and change may put a security hold on your password immediatelyCard so no money can be spent or cash withdrawn while you look for it. Tell Click “Card Lock” from the Privacy page in the AnyDay Mobile Application. Contact us at once if you believe your statement, account or transaction information, or security information Card has been lost, lost or stolen. If you believe your Card has been lost or stolen, or compromisedthat someone has transferred or may transfer money from your Card Account without your permission, call us at 1-(877)- 000-0000. Contacting Under Mastercard Operating Regulations, your liability for unauthorized Mastercard transactions on your Card Account is $0.00 if you notify us within two (2) business days and you are not grossly negligent or fraudulent in the handling of your Card. This reduced liability does not apply to PIN transactions not processed by phone is the best way of keeping your possible losses down. You could lose all the money in your account, as well as your maximum overdraft line of credit, if applicableMastercard or to ATM cash withdrawals. If you tell notify us within two (2) business daysdays of any unauthorized transactions, you can lose no more than $50.00 if someone used your security information Card without your permission. If you do not tell notify us within two (2) business days after you learn of the loss or theft of your security information, Card and we can prove that we could have stopped someone from using your security information Card without your permission if you had promptly notified us, you could lose as much as $500.00. If Also, if you become aware of and/or your statement shows transfers transactions that you did not make, tell notify us at onceonce following the procedures stated in the paragraph labeled “Your Right to Dispute Errors”. If we you do not receive notification from you notify us in writing within sixty calendar (60) days after you become aware of the transaction and/or after the statement datewas made available to you, you may not be entitled to get back any type value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the value if you had notified us in time and you are grossly negligent or fraudulent in the handling of account re-credit for lost funds. We will tell you the results of our investigation within ten business days after we hear from you, and will correct any error promptlyyour Card. If we need more time, however, we may take up to forty-five calendar days to investigate your complaint a good reason (such as a long trip or question. If we determine we need this extra timea hospital stay) kept you from telling us, we will provisionally credit your account within ten business days for the amount you think is in error. You will have the use of the money during extend the time it takes us to complete our investigationperiods. If we ask you to put your complaint Card has been lost or question in writing and we do not receive it within ten business days, we may not provisionally credit your account. If we decide that there was no errorstolen, we will send you close your Card Account to keep losses down. To obtain a written explanation within three business days after we finish our investigation. You may ask for copies of the documents we used in our investigation. Security of Website While the credit union has taken all necessary and optional precautions to ensure the security and safety of its website and the Internet Banking Servicereplacement card, the credit union does not guarantee that downloads from the site will be free of any viruses or other destructive devices. Additionally, you provide, request, and receive information from the site with the knowledge that such information can be intercepted and/or viewed by unknown third partiescall 0-(000)-000-0000.

Your Liability for Unauthorized Transfers. If you believe any Immediately following your discovery of your Access Codes has been lost or stolenan unauthorized Payment Instruction, you should notify us and change your password immediately. Tell us at once if you believe your statement, account or transaction information, or security information has been lost, stolen, or compromised. Contacting us by phone is shall communicate with customer care for the best way Service in the manner set forth in Section 6 of keeping your possible losses downthe General Terms above. You could lose all acknowledge and agree that time is of the money essence in your account, as well as your maximum overdraft line of credit, if applicablesuch situations. If you tell us within two business days(2) Business Days after you discover your password or other means to access your account through which you access the Service has been lost or stolen, you can lose your liability is no more than $50.00 if should someone used access your security information account without your permission. If you do not tell us within two business days (2) Business Days after you learn of the such loss or theft of your security informationtheft, and we can prove that we could have stopped someone from using prevented the unauthorized use of your security information without password or other means to access your permission account if you had notified told us, you could lose be liable for as much as $500.00. If your monthly financial institution statement shows transfers contains payments that you did not makeauthorize, you must tell us at once. If we you do not receive notification from you tell us within sixty calendar (60) days after the statement datewas sent to you, you may not be entitled to lose any type of account re-credit for lost funds. We will tell amount transferred without your authorization after the sixty (60) days if we can prove that we could have stopped someone from taking the money had you the results of our investigation within ten business days after we hear from you, and will correct any error promptlytold us in time. If we need more time, however, we may take up to forty-five calendar days to investigate your complaint extenuating circumstances (such as a long trip or question. If we determine we need this extra timea hospital stay) prevented you from telling us, we will provisionally credit extend the time periods specified above to a reasonable period. To the extent that this Agreement applies to business customers, the following terms apply in lieu of the foregoing: BUSINESS CUSTOMER LIABILITY Tell us AT ONCE if you believe your password has been lost, stolen, or compromised, or that someone has transferred or may transfer money from your account within ten business days for without your permission. You should immediately contact us as indicated in Section 6 above. Please note that transactions initiated by someone to whom you have given your password are not considered unauthorized transactions. Telephoning us is the amount you think is best way of minimizing your possible losses. You could lose all the money in errorthe account linked to Online Banking, plus your maximum overdraft line of credit (if applicable). You will have the continue to be liable for all transfers and transactions initiated by use of the money during the time it takes Services until you change your password or you request us to complete our investigationdo so and we change your password. If we ask you fail to put notify us that your complaint password has been lost or question stolen, you could lose all of the money in writing and we do not receive it within ten business days, we may not provisionally credit your accountaccounts. If we decide You further agree that there was no error, we will send you a written explanation within three business days after we finish our investigation. You may ask not be liable for copies consequential damages arising from the unauthorized use of the documents we used in our investigation. Security of Website While the credit union has taken all necessary and optional precautions to ensure the security and safety of its website and the Internet Banking Service, the credit union does not guarantee Services that downloads from the site will be free of any viruses or other destructive devices. Additionally, you provide, request, and receive information from the site with the knowledge that such information can be intercepted and/or viewed by unknown third partiesaccess your accounts.

Your Liability for Unauthorized Transfers. If you believe any of your Access Codes has been lost or stolen, you should notify us and change your password immediately. Tell us at once AT ONCE if you believe your statementaccount number, account or transaction information, or security information user name and/or password has been lost, stolenstolen or compromised, or compromisedthat someone to whom you have granted authority to use your account number, user name and/or password has exceeded such authority or if someone has transferred or may transfer money from your accounts without your permission. Contacting us by phone is the best way of keeping your possible losses down. You could lose all the money in your account, as well as your maximum overdraft line of credit, if applicable. (This paragraph applies only to Consumer Accounts) If you tell us within two 2 business daysdays after you learn of the loss or theft, you can lose no more than $50.00 50 if someone used your security information account number, user name and/or password without your permission. If you do not NOT tell us within two 2 business days after you learn of the loss or theft of your security informationaccount number and/or password, and we can prove it we could have stopped someone from using your security information account number and/or password without your permission if you had notified told us, you could lose as much as $500.00500. If Also, if your statement shows transfers transactions that you did not make, tell us at once. If we you do not receive notification from you tell us within sixty calendar 60 days after the statement datewas mailed to you, you may not be entitled 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 good reasons (such as long trips or a hospital stay) kept you from telling us, we will extend the time periods to any type of account re-credit for lost fundsa reasonable limit. Errors or Questions About Your Electronic Transactions If you think your statement is wrong or if you need more information about a transfer listed on the statement, please contact Community Bank as soon as possible as described under Problems, Inquiries above. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. • Tell us your name and account number. • Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. • Tell us the dollar amount of the suspected error. • If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. (This paragraph applies only to Consumer Accounts) We will tell you the results of our investigation determine whether an error occurred within ten 10 business days after we hear from you, you and will correct any error promptly. If we need more time, however, we may take up to forty-five calendar 45 days to investigate your complaint or question. If we determine we need this extra timedecide to do this, we will provisionally credit your account within ten 10 business days for the amount you think is in error. You , so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten 10 business days, we may not provisionally credit your account. For errors involving new accounts, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. We will tell you the results within 3 business days after completing our investigation. If we decide that there was no error, we will send you a written explanation within three business days after we finish our investigationexplanation. You may ask for copies of the documents that we used in our investigation. Security Liability for Failure to Make Payments We are responsible only for exercising ordinary care in making payments upon your authorization and for mailing or sending a payment to the designated payee based on the circumstances outlined above. Without liability, we may not effect a transaction if we are unable to obtain authentication of Website While such transaction satisfactory to us, if there is any inconsistency between a transaction and information previously supplied to us, if such transaction is not initiated in conformity with the credit union has taken terms of this addendum, if we reasonably believe that execution of the transaction might result in an unauthorized or erroneous transfer of funds or might otherwise cause us to suffer a loss. We are not responsible for payments that cannot be made due to incomplete, incorrect, or outdated information. We make no warranty of any kind, express or implied, including any implied warranty of merchantability or fitness for a particular purpose, in connection with Bill Pay. We do not and cannot warrant that the Bill Pay Service will operate without error, or that the Bill Pay Service will be available at all necessary times. Except as specifically provided in this addendum, or otherwise required by law, you agree that we and optional precautions to ensure the security and safety our officers, directors, employees, agents or contractors are not liable for any indirect, incidental, special or consequential damages under or by reason of its website and the Internet Banking your use of Bill Pay Service, including loss of profits, revenue, data or use by you or any third party, whether in an action in contract or tort or based on a warranty or any other legal theory. We will not be liable if we do not make a transfer on time or in the credit union does not guarantee that downloads from the site will be free of any viruses or other destructive devices. Additionally, you provide, request, and receive information from the site with the knowledge that such information can be intercepted and/or viewed by unknown third parties.correct amount if:

Your Liability for Unauthorized Transfers. If you believe any of your Access Codes has been lost or stolen, you should notify us and change your password immediately. Tell Contact us at once if you believe your statement, account or transaction information, or security information Card has been lost, lost or stolen, or compromised. Contacting us by phone Telephoning is the best way of keeping to minimize your possible losses down. You could lose all the money in your account, as well as your maximum overdraft line of credit, if applicablelosses. If you tell believe your Card has been lost or stolen, or that someone has transferred or may transfer money from your Card Account without your permission, call 0-000-000-0000. Under Visa Core Rules, your liability for unauthorized Visa debit transactions on your Card Account is $0.00 if you are not negligent or fraudulent in the handling of your Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa, or to anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us). You must notify us immediately of any unauthorized use. In the event the Visa Zero Liability Rules do not apply, if you notify us within two (2) business daysdays after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used your security information Card without your permission. If you do not tell notify us within two (2) business days after you learn of the loss or theft of your security information, Card and we can prove that we could have stopped someone from using your security information Card without your permission if you had promptly notified us, you could lose as much as $500.00. If Also, if you become aware of and/or your statement shows transfers transactions that you did not make, tell notify us at once. once following the procedures stated in the paragraph labeled “Information About Your Right to Dispute Errors.” If we you do not receive notification from you notify us within sixty calendar (60) days after you become aware of the transaction and/or after the statement datewas made available to you, you may not be entitled to get back any type of account re-credit for value you lost funds. We will tell after the sixty (60) days if we can prove that we could have stopped someone from taking the value if you the results of our investigation within ten business days after we hear from you, and will correct any error promptlyhad notified us in time. If we need more time, however, we may take up to forty-five calendar days to investigate your complaint a good reason (such as a long trip or question. If we determine we need this extra timea hospital stay) kept you from telling us, we will provisionally credit your account within ten business days for the amount you think is in error. You will have the use of the money during extend the time it takes us to complete our investigationperiods. If we ask you to put your complaint Card has been lost or question in writing and we do not receive it within ten business days, we may not provisionally credit your account. If we decide that there was no errorstolen, we will close your Card Account to keep losses down and will send you a written explanation within three business days after we finish our investigationreplacement card. You may ask There is a fee for copies of replacing your Card. For information about the documents we used in our investigation. Security of Website While fee, see the credit union has taken all necessary and optional precautions to ensure the security and safety of its website and the Internet Banking Service, the credit union does not guarantee that downloads from the site will be free of any viruses or other destructive devices. Additionally, you provide, request, and receive information from the site with the knowledge that such information can be intercepted and/or viewed by unknown third partiessection labeled “Fee Schedule.”

Your Liability for Unauthorized Transfers. If you believe any of your Access Codes has been lost or stolen, you should notify us and change your password immediately. Tell us at once if you believe your statement, account or transaction information, or security information has been lost, stolen, or compromised. Contacting us by phone is the best way of keeping your possible losses down. You could lose all the money in your account, as well as your maximum overdraft line of credit, if applicable. If you tell us within two (2) business daysdays after you discover your password or the Software has been lost or stolen, you can lose no more than $50.00 if someone used uses your security information LivCom account without your permission. If you do not tell us within two (2) business days after you learn of the such loss or theft of your security informationtheft, and we can prove that we could have stopped someone from using your security information password or the Software without your permission if you had notified told us, you could lose as much as $500.00. In the event Your Bank Returns a Transaction. In using the Service, you are requesting Big Bend to make payments for you from your designated transaction account. If your statement shows transfers that financial institution, or the holder of the account from which you did have designated payment is unable to process a transaction (for example, there are not makesufficient funds in your account to cover the transaction), tell us at once. If we do not receive notification from you within sixty calendar days after the statement date, you transaction may not be entitled completed. Types of Payments and Limitations on Payees You may use the Service to authorize payment from an account that you designate. Big Bend reserves the right to refuse to pay any type of account reperson or entity to whom you may direct a payment. Big Bend is obligated to notify you promptly if they decide to refuse to pay a person or entity designated by you. This notification is not required if you attempt to pay tax or court-credit related payments, which are prohibited under this Agreement. The maximum payment amount allowed for lost fundsa single transaction is $1,250.00. We will tell you the results of our investigation within ten business days after we hear from you, and will correct any error promptly. If we need more time, however, we may take up to forty-five calendar days to investigate your complaint or question. If we determine we need this extra time, we will provisionally credit your account within ten business days for the amount you think is in error. You will have the use Charges As a customer of the money during Service, you will not be charged by Big Bend for receiving a document electronically. There may be a $3.00 charge for electronic payments as well as a charge for additional transactions and other optional services. Exclusion of Warranties BIG BEND IS PROVIDING THE SERVICE “AS IS” WITHOUT ANY WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON INFRINGEMENT AND TITLE. BIG BEND DOES NOT WARRANT THAT THE SERVICE IS ERROR-FREE, OR THAT ACCESS TO AND USE OF THE SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE. Limitation of Liability IN NO EVENT SHALL BIG BEND OR ITS LICENSORS OR SUPPLIERS BE LIABLE FOR ANY DAMAGES WHATSOEVER (INCLUDING, WITHOUT LIMITATION, DIRECT, INDIRECT, SPECIAL OR CONSEQUENTIAL DAMAGES) ARISING OUT OF THE DELIVERY, PERFORMANCE, OR USE OF THE SERVICE, WHETHER INCURRED BY YOU OR ANY THIRD PARTY, EVEN IF BIG BEND OR ITS LICENSORS OR SUPPLIERS HAVE BEEN ADVISED OR MAY OTHERWISE KNOW OF THE POSSIBILITY OF SUCH DAMAGES. IF ANY LIABILITY IS IMPOSED ON BIG BEND, ITS LICENSORS OR SUPPLIERS, BIG BEND’S AND ITS LICENSORS OR SUPPLIERS TOTAL LIABILITY TO YOU OR ANY THIRD PARTY SHALL NOT EXCEED THE AMOUNT YOU PAID FOR THE SERVICE. Some jurisdictions prohibit exclusion or limitation of liability for implied warranties or consequential or incidental damages, so the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten business days, we above limitation may not provisionally credit your account. If we decide that there was no error, we will send you a written explanation within three business days after we finish our investigationapply to you. You may ask for copies of the documents we used in our investigation. Security of Website While the credit union has taken all necessary and optional precautions also have other legal rights that vary from jurisdiction to ensure the security and safety of its website and the Internet Banking Service, the credit union does not guarantee that downloads from the site will be free of any viruses or other destructive devices. Additionally, you provide, request, and receive information from the site with the knowledge that such information can be intercepted and/or viewed by unknown third partiesjurisdiction.

Your Liability for Unauthorized Transfers. If you believe any of your Access Codes has been lost or stolen, you should notify us and change your password immediately. Tell us at once FSB AT ONCE if you believe your statementATM card, account debit card, Personal Identification Number (PIN) or transaction information, or security information similar code has been lost, stolen, or compromised. Contacting us learned by phone is the best way of keeping an unauthorized person, or if you believe that an electronic fund transfer has been made without your possible losses down. You could lose all the money in permission using information from your account, as well as your maximum overdraft line of credit, if applicablecheck. If you tell us FSB within two business daysdays after you learn of the loss or theft, you can lose no more than $50.00 if 50 for an unauthorized electronic funds transfer or a series of related unauthorized transfers should someone used use your security information card or code without your permission. If you do not NOT tell us FSB within two business days after you learn of the loss or theft of your security information, card or code and we can prove we FSB could have stopped someone from using your security information card or code without your permission if you had notified ustold FSB, you could lose as much as $500.00500. If Your losses could include all of the money in your account plus, if you have an overdraft protection plan linked to your account, any transfers from another account, or any advances on a credit line or credit card. Tell FSB AT ONCE if your statement shows transfers that you did not make, tell us at onceincluding those made by card, code, or other means. If we you do not receive notification from you tell FSB within sixty calendar 60 days after the statement datewas mailed to you, you may not be entitled to get back any type of account re-credit for money you lost funds. We will tell after the 60 days if FSB could have stopped someone from taking the money if you the results of our investigation within ten business days after we hear from you, and will correct any error promptlyhad told FSB in time. If we need more timea good reason (such as a long trip or a hospital stay) kept you from telling FSB, however, we may take up to forty-five calendar days to investigate your complaint or question. If we determine we need this extra time, we FSB will provisionally credit your account within ten business days for the amount you think is in error. You will have the use of the money during extend the time it takes us periods for claims of unauthorized transfers. The Telephone Number and Address to complete our investigation. If we ask you to put your complaint Report Unauthorized Transfer and Lost or question in writing Stolen USAA ATM cards and we do not receive it within ten business days, we may not provisionally credit your account. If we decide that there was no error, we will send you a written explanation within three business days after we finish our investigationdebit cards or access codes are shown on the Service Fee Schedule . You may ask for copies of also contact FSB on usaa .com . You should also call the documents we used in our investigationnumber or write to the address listed on the Service Fee Schedule or contact FSB at xxxx.xxx if you believe a transfer has been made using the information from your check without your permission. Security of Website While the credit union has taken all necessary and optional precautions to ensure the security and safety of its website and the Internet Banking Service, the credit union does not guarantee that downloads from the site will be free of any viruses or other destructive devices. AdditionallyIf unauthorized activity occurs, you provide, request, agree to cooperate during the investigation and receive information from to complete an affidavit regarding the site with the knowledge that such information can be intercepted and/or viewed by unknown third partiesunauthorized activity.

Your Liability for Unauthorized Transfers. If you believe any of your Access Codes user ID and/or password has been lost or stolen, you should notify us compromised and change your password immediately. Tell us at once if you believe your statement, account or transaction information, or security information has been lost, stolen, or compromised. Contacting us by phone is the best way of keeping your possible losses down. You could lose all the money in your account, as well as your maximum overdraft line of credit, if applicable. If you tell us within two business days2 Business Days of discovering the loss or misappropriation, you can lose no more than $50.00 50 if someone used your security information user ID and/or password without your permission. If you do not tell us within two business days after you learn of the loss or theft of your security information, and we can prove we could have stopped someone from using your security information without your permission if you had notified us2-Business Day period, you could lose as much as $500.00500 if we could have stopped the use of your accounts had we received notice in a timely manner. If You must contact the Bank as soon as you identify any errors or discrepancies in your periodic statement shows transfers that or transaction record, or if you did not make, tell us at onceneed any information about a transaction listed on the periodic statement or transaction record. If we do not receive notification We must hear from you within sixty calendar days after the statement date, you may not be entitled to any type of account re-credit for lost funds. We will tell you the results of our investigation within ten business no later than 60 days after we hear from youhave sent the first statement on which the unauthorized transaction, and will correct any problem or error promptlyappeared. (If we need more time, howeveryou notify us verbally, we may take up to forty-five calendar days to investigate your complaint or question. If we determine we need this extra time, we will provisionally credit your account within ten business days for the amount require that you think is in error. You will have the use of the money during the time it takes send us to complete our investigation. If we ask you to put your complaint or question in writing or electronically within 10 Business Days). If you fail to notify us within the 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 reason such as out-of-town travel or extended hospital stays. MONEY MANAGEMENT & CASH BACK REWARDS OFFERS – END USER LICENSE AGREEMENT Should you decide to use either Money Management or the Cash Back Rewards feature of the Service, you acknowledge and we agree to the following terms and conditions. License Grant and Restrictions: You are granted a personal, limited, non-exclusive, non-transferable license, to electronically access and use the Money Management Service (“Money Management”) solely to manage your financial data, and the Cash Back Rewards application ("Cash Back Rewards Offers") to benefit from your debit card purchases. In addition to the Money Management Service and the Cash Back Rewards Offers, the terms " Money Management " and "Cash Back Rewards Offers" also include any other programs, tools, internet-based services, components and any "updates" (for example, Service maintenance, Cash Back Rewards information, help content, bug fixes, or maintenance releases, etc.) of Money Management or Cash Back Rewards Offers if and when they are made available to you by us or by our third party vendors. Certain Money Management and Cash Back Rewards Offers may be accompanied by, and will be subject to, additional terms and conditions. You are not licensed or permitted to do any of the following and you may not allow any third party to do any of the following: (i) access or attempt to access any other systems, programs or data that are not made available for public use; (ii) copy, reproduce, republish, upload, post, transmit, resell or distribute in any way the material from the Money Management site or from the Cash Back Rewards Offers program; (iii) permit any third party to benefit from the use or functionality of Money Management or Cash Back Rewards Offers, or any other services provided in connection with them, via a rental, lease, timesharing, service bureau, or other arrangement; (iv) transfer any of the rights granted to you under this license; (v) work around any technical limitations in Money Management, use any tool to enable features or functionalities that are otherwise disabled in Money Management, or decompile, disassemble, or otherwise reverse engineer Money Management except as otherwise permitted by applicable law; (vi) perform or attempt to perform any actions that would interfere with the proper working of Money Management or Cash Back Rewards Offers or any services provided in connection with them, prevent access to or the use of Money Management, Cash Back Rewards Offers or any or services provided in connection with them by other licensees or customers, or impose an unreasonable or disproportionately large load on the infrastructure while using Money Management; or (vii) otherwise use Money Management, Cash Back Rewards Offers or any services provided in connection with them except as expressly allowed under this Section. Ownership: Money Management and Cash Back Rewards Offers are protected by copyright, trade secret and other intellectual property laws. You do not receive it within ten business dayshave any rights to the trademarks or service marks. Your Information and Account Data with Us: You are responsible for (i) maintaining the confidentiality and security of your access number(s), password(s), security question(s) and answer(s), account number(s), login information, and any other security or access information, used by you to access the Service, Cash Back Rewards Offers or any services provided in connection with them, and your accounts with us (collectively, "Licensee Access Information"), and (ii) preventing unauthorized access to or use of the information, files or data that you store or use in or with Money Management, Cash Back Rewards Offers or any services provided in connection with them (collectively, "Account Data"). You are responsible for providing access and assigning passwords to other users, if any, under your account for Money Management, Cash Back Rewards Offers or any services provided in connection with them and ensuring that such authorized users comply with this Agreement. You will be responsible for all electronic communications, including account registration and other account holder information, email and financial, accounting and other data ("Communications") entered using the Licensee Access Information. It is assumed that any Communications received through use of the Licensee Access Information were sent or authorized by you. You agree to immediately notify us if you become aware of any loss, theft or unauthorized use of any Licensee Access Information. We reserve the right to deny you access to Money Management, Cash Back Rewards Offers or any services provided in connection with them (or any part thereof) if we reasonably believe that any loss, theft or unauthorized use of Licensee Access Information has occurred. You must inform us of, and hereby grant to us and our third party vendors permission to use, Licensee Access Information to enable us to provide Money Management, Cash Back Rewards Offers or any services provided in connection with them to you, including updating and maintaining Account Data, addressing errors or service interruptions, and to enhance the types of data and services we may not provisionally credit provide to you in the future. We may use anonymous, aggregate information, which we collect and store, or which is collected and stored on our behalf by third party vendors, to conduct certain analytical research and help us to create new offerings and services for our customers. As we make additional offerings and online banking services available to you, some of which may rely on banking information maintained in your accountaccounts, you will have the opportunity to participate in the services if you choose. If you choose not to participate, you do not need to notify us. We may also use anonymous, aggregate information which we decide that there was no errorcollect and store, we will send you a written explanation within three business days after we finish or which is collected and stored on our investigation. You may ask for copies behalf by third party vendors, to (i) conduct database marketing and marketing program execution activities; (ii) publish summary or aggregate results relating to metrics comprised of the documents we used in our investigation. Security of Website While the credit union has taken all necessary research data from time to time; and optional precautions (iii) distribute or license such aggregated research data to ensure the security and safety of its website and the Internet Banking Service, the credit union does not guarantee that downloads from the site will be free of any viruses or other destructive devicesthird parties. Additionally, automated technology may be used to tailor messages or advertisements that best reflect your interest and needs. Your Information and Account Data with Other Financial Institutions: Our financial management tools allow you provideto view accounts that you may have outside our financial institution (this is a process called "aggregation"). When you choose to use online financial services, requestwhich are applicable to data that you have transacted with other financial institutions or card issuers, you are consenting to us accessing and aggregating your data from those outside financial institutions. That data includes your financial institution account access number(s), password(s), security question(s) and answer(s), account number(s), login information, and receive any other security or access information from used to access your account(s) with other financial institutions, and the site actual data in your account(s) with such financial institution(s) such as account balances, debits and deposits (collectively, "Financial Account Data"). In giving that consent, you are agreeing that we, or a third party vendor on our behalf, may use, copy and retain all non- personally identifiable information of yours for the knowledge that such information can be intercepted and/or viewed by unknown following purposes: (i) as pertains to the use, function, or performance of the services which you have selected; (ii) as necessary or useful in helping us, or third parties.parties on our behalf, to diagnose or correct errors, problems, or defects in the services you have selected;

Your Liability for Unauthorized Transfers. If you believe any of your Access Codes has been lost or stolen, you should notify us and change your password immediately. Tell Contact us at once if you believe your statement, account or transaction information, or security information Card has been lost, lost or stolen, or compromised. Contacting us by phone Telephoning is the best way of keeping to minimize your possible losses down. You could lose all the money in your account, as well as your maximum overdraft line of credit, if applicablelosses. If you tell believe your Card has been lost or stolen, or that someone has transferred or may transfer money from your Card Account without your permission, call 0-000-000-0000 or 0-000-000-0000. Under Visa Core Rules, your liability for unauthorized Visa debit transactions on your Card Account is $0.00 if you are not negligent or fraudulent in the handling of your Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us). You must notify us immediately of any unauthorized use. In the event the Visa Zero Liability Rules do not apply, if you notify us within two (2) business daysdays after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used your security information Card without your permission. If you do not tell notify us within two (2) business days after you learn of the loss or theft of your security information, Card and we can prove that we could have stopped someone from using your security information Card without your permission if you had promptly notified us, you could lose as much as $500.00. If Also, if you become aware of and/or your statement shows transfers transactions that you did not make, tell notify us at once. once following the procedures stated in the paragraph labeled “Information About Your Right to Dispute Errors.” If we you do not receive notification from you notify us within sixty calendar (60) days after you become aware of the transaction and/or after the statement datewas made available to you, you may not be entitled to get back any type of account re-credit for value you lost funds. We will tell after the sixty (60) days if we can prove that we could have stopped someone from taking the value if you the results of our investigation within ten business days after we hear from you, and will correct any error promptlyhad notified us in time. If we need more time, however, we may take up to forty-five calendar days to investigate your complaint a good reason (such as a long trip or question. If we determine we need this extra timea hospital stay) kept you from telling us, we will provisionally credit your account within ten business days for the amount you think is in error. You will have the use of the money during extend the time it takes us to complete our investigationperiods. If we ask you to put your complaint Card has been lost or question in writing and we do not receive it within ten business days, we may not provisionally credit your account. If we decide that there was no errorstolen, we will close your Card Account to keep losses down and will send you a written explanation within three business days after we finish our investigationreplacement card. You may ask There is a fee for copies of replacing your Card. For information about the documents we used in our investigation. Security of Website While fee, see the credit union has taken all necessary and optional precautions to ensure the security and safety of its website and the Internet Banking Service, the credit union does not guarantee that downloads from the site will be free of any viruses or other destructive devices. Additionally, you provide, request, and receive information from the site with the knowledge that such information can be intercepted and/or viewed by unknown third partiessection labeled “Fee Schedule.”

Your Liability for Unauthorized Transfers. If Tell us AT ONCE if you believe any of your Access Codes Card or PIN has been lost or stolen, you should notify us and change . Re- porting your password immediately. Tell Card lost or stolen online at xxx.xxxxxxxx.xxx or calling us at once if you believe your statement, account or transaction information, or security information has been lost, stolen, or compromised. Contacting us by phone (000) 000-0000 is the best way of keeping your possible losses down. You could lose all the money in on your account, as well as your maximum overdraft line of credit, if applicableCard. If you tell us within two business days, you can lose no more than $50.00 if someone used your security information without your permission. If you do not tell us within two business days after you learn of the loss or theft of your security informationCard or PIN, you can lose no more than $50 if someone used your Card or PIN without your per- mission. If you do NOT tell us within two business days after you learn of the loss or theft of your Card or PIN, and we can prove that we could have stopped someone from using your security information Card or PIN without your permission if you had notified told us, you could lose as much as $500.00500. (Note: If your Card is a MasterCard Card, you will not be liable for the amounts stated above if: your Card is in good standing; you have not reported more than two incidents of unauthorized use in the preceding 12 months; and you have exercised reasonable care in safeguarding your Card from risk of loss or theft. If your statement Card is a Visa Card, you will not be liable for the amounts stated above unless we determine that you were grossly negligent or fraudulent in the handling of your Card.) Also, if your on-line or paper transaction history shows transfers that you did not make, including those made by your Card, PIN or other means, tell us at once. If we you do not receive notification from tell us within 60 days after: (i) you within sixty calendar days after the statement dateelectronically access your Card infor- mation at xxx.xxxxxxxx.xxx; or (ii) we provide you with a written history of your Card transactions, you may not be entitled to get back any type of account re-credit for Card value you lost funds. We will tell after the 60 days if we can prove that we could have stopped someone from taking the Card value if you the results of our investigation within ten business days after we hear from you, and will correct any error promptlyhad told us in time. If we need more time, however, we may take up to forty-five calendar days to investigate your complaint a good reason (such as a long trip or question. If we determine we need this extra timehospital stay) kept you from telling us, we will provisionally credit your account within ten business days for extend the amount you think is in errortime periods. You will have the use Must Notify Us of Lost or Stolen Cards/Unauthorized Activity. You agree to notify us of the money during the time it takes us loss, theft or unautho- rized disclosure of any number or PIN that might be used to complete our investigationaccess Card funds. If we ask you believe the Card has been lost or stolen or that someone has transferred or may transfer value from the Card without authorization, contact us at the address, website or phone number listed above in “In Case of Errors or Questions About Card Transactions.” You agree to put cooperate reasonably with us and our agents and service providers in our attempts to recover funds from, and to assist in the prosecution of, any unauthorized users of your complaint or question in writing and we do not receive it within ten business days, we may not provisionally credit your account. If we decide that there was no error, we will send you a written explanation within three business days after we finish our investigationCard. You may ask for copies of the documents we used in our investigation. Security of Website While the credit union has taken all necessary and optional precautions to ensure the security and safety of its website and the Internet Banking Service, the credit union agree that any unauthorized use does not guarantee include use by a person or merchant to whom you have given authority to use the Card or PIN and that downloads from the site you will be free of any viruses liable for all such uses by such person or other destructive devices. Additionally, you provide, request, and receive information from the site with the knowledge that such information can be intercepted and/or viewed by unknown third partiesmerchant.

Your Liability for Unauthorized Transfers. If you believe any tell the Credit Union within two (2) business days after you learn of unauthorized access to your Access Codes has been lost account(s) and/or that your Prime Online User ID or stolen, you should notify us and change your password immediately. Tell us at once if you believe your statement, account or transaction information, or security information Password has been lost, stolen, stolen or compromised. Contacting us by phone is the best way of keeping your possible losses down. You could lose all the money in your account, as well as your maximum overdraft line of credit, if applicable. If you tell us within two business days, you can lose no more than $50.00 if someone used your security information without your permission50.00. If you do not tell us fail to notify the Credit Union within two (2) business days after you learn of the loss unauthorized access to your account(s) and/or that your Prime Online User ID or theft of your security informationPassword has been lost, stolen or compromised, and we can prove that we could have stopped someone from using prevented the unauthorized access to your security information without account(s), or use of your permission if Prime Online User ID and Password had you had notified us, you could lose as much as $500.00. If your monthly statement shows or your online account detail reflects any transfers or payments that you did not make, tell us at once. If we you do not receive notification from you tell us within sixty calendar (60) days after the first statement datewhich reflected an unauthorized transfer(s) or payment(s) was mailed to you, you may not be entitled to get back any type money you lost after the sixty (60) days, provided that we can prove that we could have stopped someone from taking money if you had told us in time. Errors or Questions In case of errors or questions about your Prime Xxxx Pay transactions or if you need more information about a transaction listed on the statement, contact via phone at 000.000.0000 (toll free at 800.835.9680) or by mail at 0000 X. Xxxxxxx Ave., Cudahy, WI 53110. We must hear from you no later than sixty (60) days after we send the FIRST statement on which the problem or error appears. • Tell us your name and account re-credit for lost fundsnumber. • Describe the error or transaction in question and explain as clearly as possible why you believe it is an error or why you need more information. • Tell us the dollar amount of the suspected error. If you tell us verbally, we may require that you send, and we receive, your complaint or question in writing within ten (10) business days. We will tell you the results of our investigation within ten (10) business days after we hear from you, you and will correct any error promptly. If we need more timeadditional time is required, however, we it may take up to forty-five calendar (45) days to investigate your complaint or question. If we determine we need this extra timeso, we will provisionally credit your account will be adjusted within ten (10) business days for the amount you think is in error. You will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing writing, and we do not receive it within ten (10) business days, we may not provisionally credit adjust your account. If we decide that determine there was no error, we will send you a written explanation within three (3) business days after we finish our the investigation. We may revoke any provisional credit provided to you if we find that an error did not occur. You may ask for copies of the documents that we used in our investigation. Security of Website While the credit union has taken all necessary and optional precautions to ensure the security and safety of its website and the Internet Banking Service, the credit union does not guarantee that downloads from the site will be free of any viruses or other destructive devices. Additionally, you provide, request, and receive information from the site with the knowledge that such information can be intercepted and/or viewed by unknown third parties.

Your Liability for Unauthorized Transfers. If you believe any of your Access Codes has been lost or stolen, you should notify us and change your password immediately. Tell Contact us at once if you believe your statement, account or transaction information, or security information Card has been lost, lost or stolen, or compromised. Contacting us by phone Telephoning is the best way of keeping to minimize your possible losses down. You could lose all the money in your account, as well as your maximum overdraft line of credit, if applicablelosses. If you tell believe your Card has been lost or stolen, or that someone has transferred or may transfer money from your Card Account without your permission, call Cardholder Services at the telephone number located on the “List of All Fees” or visit xxx.xxxxxxxxxxx.xxx. Under Visa Core Rules, your liability for unauthorized Visa debit transactions on your Card Account is $0.00 if you are not negligent or fraudulent in the handling of your Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa, or to anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us). You must notify us immediately of any unauthorized use. In the event the Visa Zero Liability Rules do not apply, if you notify us within two (2) business daysdays after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used your security information Card without your permission. If you do not tell notify us within two (2) business days after you learn of the loss or theft of your security information, Card and we can prove that we could have stopped someone from using your security information Card without your permission if you had promptly notified us, you could lose as much as $500.00. If Also, if you become aware of and/or your statement history shows transfers transactions that you did not make, tell notify us at once. once following the procedures stated in the paragraph labeled “Information About Your Right to Dispute Errors.” If we you do not receive notification from you notify us within sixty calendar (60) days after you become aware of the transaction and/or after the statement datehistory was made available to you, you may not be entitled to get back any type of account re-credit for value you lost funds. We will tell after the sixty (60) days if we can prove that we could have stopped someone from taking the value if you the results of our investigation within ten business days after we hear from you, and will correct any error promptlyhad notified us in time. If we need more time, however, we may take up to forty-five calendar days to investigate your complaint a good reason (such as a long trip or question. If we determine we need this extra timea hospital stay) kept you from telling us, we will provisionally credit your account within ten business days for the amount you think is in error. You will have the use of the money during extend the time it takes us to complete our investigationperiods. If we ask you to put your complaint Card has been lost or question in writing and we do not receive it within ten business days, we may not provisionally credit your account. If we decide that there was no errorstolen, we will close your Card Account to keep losses down and will send you a written explanation within three business days after we finish our investigationreplacement card. You may ask There is no fee for copies replacing your Card. Expedited delivery is available, however there is a fee for this service. For information about applicable fees, please see the “List of the documents we used in our investigation. Security of Website While the credit union has taken all necessary and optional precautions to ensure the security and safety of its website and the Internet Banking Service, the credit union does not guarantee that downloads from the site will be free of any viruses or other destructive devices. Additionally, you provide, request, and receive information from the site with the knowledge that such information can be intercepted and/or viewed by unknown third partiesAll Fees.”

Your Liability for Unauthorized Transfers. If You agree to exercise reasonable control over the information related to your Card Account, including your Card, Access Code(s) and PIN. Tell us AT ONCE if you believe any of your Card, Access Codes Code(s), or PIN has been lost or stolen. Also, if your transaction history shows transfers that you should notify us and change did not make, including those made with your password immediately. Tell Card, Card Number or Account Number, or you believe an electronic transfer has been made without your permission, tell us at once if you believe your statement, account or transaction information, or security information has been lost, stolen, or compromisedonce. Contacting us by phone is the The best way of keeping to keep your possible losses downdown is by calling customer service. You could lose all the money in your account, as well as your maximum overdraft line of credit, if applicablePrimary Account or Card Account. If you tell us within two business days, you can lose no more than $50.00 if someone used your security information without your permission. If you do not tell us within two business days after you learn of the loss or theft of your security informationCard, you can lose no more than $50.00 if someone used your Card without your permission. If you do NOT tell us within two business days after you learn of the loss or theft of your Card, and we can prove that we could have stopped someone from using your security information Card without your permission if you had notified told us, you could lose as much as $500.00. If your statement shows transfers that you did do not make, tell us at once. If we do not receive notification from you within sixty calendar 60 days after the statement dateearlier of the date you electronically access your Card Account or the date we sent the FIRST written history on which the error appeared, you may not be entitled to get back any type of account re-credit for money you lost funds. We will tell after the 60 days if we can prove that we could have stopped someone from taking the money if you the results of our investigation within ten business days after we hear from you, and will correct any error promptlyhad told us in time. If we need more timea good, howeverdocumented, we may take up to forty-five calendar days to investigate your complaint reason (such as a long trip or question. If we determine we need this extra timea hospital stay) kept you from telling us, we will provisionally credit extend the time periods. In addition to the limitations on liability described above, you are covered by Visa’s Zero Liability Policy and will not be liable for unauthorized use that occurs after you notify us of the loss, theft or unauthorized use of your account within ten business days for the amount you think is in errorCard, Access Code(s), or PIN. You also agree to cooperate completely with us in attempts to recover funds from unauthorized users and to assist in their prosecution. We may issue replacement Card(s), Access Code(s), and PIN(s), but only after you have provided such proof and security or indemnification as we may require. In addition, you acknowledge that we may have to deactivate your Card(s) and/or Card Account to prevent future losses. If you share your Card(s), Access Code(s), or PIN with another person, use of your Card Account by that person may be considered as authorized. If you authorize another person to use your Card, Access Code(s), or PIN, you agree that you will have the be liable for all transactions arising from use of the money during Card, Access Code(s), or PIN by such person except as otherwise set forth in this Agreement. In all cases, our liability for an unauthorized transaction is limited to reimbursing you for the time face amount of the unauthorized transaction and any corresponding fees, except as otherwise required by applicable law. A transaction is unauthorized if it takes us is not initiated by you, you did not give permission to complete our investigation. If we ask make the transaction and you to put your complaint or question in writing and we do not receive it within ten business days, we may not provisionally credit your accountbenefit from the transaction in any way. If we decide that there was no error, we will send you a written explanation within three business days after we finish our investigation. You may ask for copies of the documents we used in our investigation. Security of Website While the credit union has taken all necessary Visa’s Zero Liability policy covers U.S.–issued cards only and optional precautions to ensure the security and safety of its website and the Internet Banking Service, the credit union does not guarantee that downloads from apply to ATM transactions outside the site will be free Visa and PLUS networks, PIN transactions not processed by Visa, or certain commercial card transactions. Cardholder must notify us promptly of any viruses or other destructive devices. Additionally, you provide, request, and receive information from the site with the knowledge that such information can be intercepted and/or viewed by unknown third partiesunauthorized use.

Your Liability for Unauthorized Transfers. If you believe any of your Access Codes has been lost or stolen, you should notify us and change your password immediately. Tell Contact us at once if you believe your statement, account Card or transaction information, or security information PIN has been lost, lost or stolen, or compromised. Contacting us by phone Telephoning is the best way of keeping to minimize your possible losses down. You could lose all the money in your account, as well as your maximum overdraft line of credit, if applicablelosses. If you tell us within two business daysbelieve your Card has been lost or stolen, you can lose no more than $50.00 if or that someone used has transferred or may transfer money from your security information Card Account without your permission, call us at Customer Service. If you have both a virtual and a physical Card and you report one of your Cards lost or stolen, both Cards will be canceled and new Cards will be issued. Visa Transactions Routed through the Visa System: Visa Zero Liability Protection. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized transactions using your Card Account that take place on the Visa system without a PIN is $0.00 if you are not grossly negligent or fraudulent in the handling of your Card. This reduced liability does not apply to PIN transactions not processed by Visa or ATM cash withdrawals (see Transactions Not Routed Through the Visa System below). Transactions Not Routed Through the Visa System: Unauthorized transactions that are not routed through Visa are not protected by the Visa Zero Liability Protection policy. These types of transactions include (i) ATM transactions, and (ii) point of sale, PIN, PINless, automated clearing house, or other debit transactions not processed by Visa. Also, if you become aware of and/or your statement or electronic history shows transactions that you did not make, notify us at once following the procedures stated in the paragraph labeled “Your Right to Dispute Errors”. If you do not tell notify us in writing within two business sixty (60) days after you learn become aware of the loss or theft of your security informationtransaction and/or after the statement was made available to you, and you may not get back any value you lost after the sixty (60) days if we can prove that we could have stopped someone from using your security information without your permission taking the value if you had notified us in time and you are grossly negligent or fraudulent in the handling of your Card. If a good reason (such as a long trip or a hospital stay) kept you from telling us, you could lose as much as $500.00we will extend the time periods. If your statement shows transfers that you did not make, tell us at once. If we do not receive notification from you within sixty calendar days after the statement date, you may not be entitled to any type of account re-credit for Card has been lost funds. We will tell you the results of our investigation within ten business days after we hear from you, and will correct any error promptly. If we need more time, however, we may take up to forty-five calendar days to investigate your complaint or question. If we determine we need this extra timestolen, we will provisionally credit close your account within ten business days for the amount you think is in errorCard Account to keep losses down. You will have the use of the money during the time it takes us to complete our investigation. If we ask you to put Upon your complaint or question in writing and we do not receive it within ten business days, we may not provisionally credit your account. If we decide that there was no errorrequest, we will send issue you a written explanation within three business days after we finish our investigation. You may ask for copies of the documents we used in our investigation. Security of Website While the credit union has taken all necessary and optional precautions to ensure the security and safety of its website and the Internet Banking Service, the credit union does not guarantee that downloads from the site will be free of any viruses or other destructive devices. Additionally, you provide, request, and receive information from the site with the knowledge that such information can be intercepted and/or viewed by unknown third partiesreplacement Card.

Your Liability for Unauthorized Transfers. If You are liable for Card transactions you did not authorize if we can prove that we processed the transaction in good faith and in compliance with a commercially reasonable security procedure, unless otherwise required by law. In order to secure your personally identifiable information, you are responsible for telling us AT ONCE if you believe any of your Access Codes issued Business Check Cards or PINs for these cards has been lost or stolen, you should notify or if money is missing from your account. Telephoning us and change your password immediately. Tell us at once if you believe your statement, account or transaction information, or security information has been lost, stolen, or compromised. Contacting us by phone is the best way of keeping to keep your possible losses downto a minimum. You could lose all the money in your accountCall 0-000-000-0000, as well as your maximum overdraft line of creditat any time, to report lost or stolen cards. To further secure you information, if applicable. If you tell us within two business daysyour Card is lost, you can lose no more than $50.00 if someone stolen or used your security information without your permission, you agree to notify us immediately and to promptly confirm such notice in writing. Your liability for transactions may continue for up to 2 business days after we receive such written notice. If you do not tell notify us within two business 60 days after you learn of the loss from when your account statement containing an unauthorized transaction was first mailed or theft of your security informationmade available to you, and we can prove we could have stopped someone from using your security information without your permission if you had notified us, you could lose as much as $500.00. If your statement shows transfers that you did not make, tell us at once. If we do not receive notification from you within sixty calendar days after the statement date, you may not will be entitled to treat the information in your statement as correct, and you will be precluded from asserting otherwise. If you provide us with timely notice of a problem or an error in your statement, we will investigate the matter and notify you of the results as soon as reasonably possible under the circumstances. In evaluating your claim, we will consider whether negligence on your part has contributed to the transaction in question. You acknowledge and agree that the security procedure listed above is commercially reasonable. IMPORTANT INFORMATION REGARDING ATM OR POS FACILITIES You agree that we are not responsible for providing security guards or other security measures at any type of account re-credit for lost fundsATM or POS terminal owned by us or others. We will tell you the results of our investigation within ten business days after we hear from you, and will correct any error promptly. If we need more timeare, however, we may take up to forty-five calendar days to investigate providing for your complaint or question. If we determine we need this extra time, we will provisionally credit your account within ten business days for the amount you think is in error. You will have information a list of safety precautions regarding the use of ATMs. Please read the money during following safety tips. • Be aware of your surroundings, particularly at night. • Consider having someone accompany you when the time automated teller machine is used after dark. • It is appropriate to politely ask someone who is uncomfortably close to you to step back before you complete your transaction. • Refrain from displaying your cash. Pocket it takes us to complete our investigationas soon as your transaction is completed. Count the cash later in the safety of your car or home. • Consider using another automated teller machine or coming back later if you notice anything suspicious. If we ask you are in the middle of a transaction and you notice something suspicious, cancel the transaction, pocket your Card and leave. • Go to put the nearest public area where people are located if you are followed after making a transaction. • Report all crimes to law enforcement officials immediately. IMPORTANT INFORMATION ABOUT BUSINESS CHECK CARDS • Exercise extreme caution when authorizing additional Cards for officers, employees or agents. By providing a Card to these individuals, you are granting them access to your complaint business checking account by way of cash withdrawals and VISA purchasing power. You are liable for all Card transactions, authorized or question unauthorized. • Terms & Conditions document indicates that you will provide written instructions to all Cardholders about the importance of protecting their Card, requesting receipts for each transaction, and that their use of the Card is limited to business purpose transactions only. It would be advisable to set guidelines for each Cardholder regarding how and when they may use their Card, and to request that Cardholders promptly deliver all receipts to you for entry in writing your ledger. As owner of the account, you are responsible for examining your receipts and we do not receive it within ten business days, we comparing them to your monthly account statements. • You may not provisionally credit your accountrequest separate limits for each Card. If we decide that there was no error, we will send you a written explanation within three business days after we finish our investigationLimits may be individually set for ATM cash withdrawals and POS purchases. Our standard limits are $500 per day for cash withdrawals and $2,500 for purchases. You may ask want to choose lower balances for copies some Cardholders and higher balances for your officers and owners. POS authorization can be permitted while restricting ATM access. Indicate the dollar limits you want each Cardholder to have on your Business Check Card application. PERSONAL ACCOUNT FEE SCHEDULE Effective August 1, 2012 ATM or Debit Card Non-FNB ATM (per transaction) $2.50 Card Replacement (per card) $10.00 Card Expediting Fee $50.00 Bill Pay Enrollment Fee Free Monthly Maintenance Fee Free Overdraft (per item) $37.00 Stop Payment Fee $37.00 Same Day Payment $9.95 Overnight Payment $14.95 Person to Person Payment (Popmoney) $0.50 per transaction Account to Account (Internal/External) $0.50 per transaction Checks Money Orders $5.00 Official Checks (payable to third party) $10.00 Collection Items (any amount) $20.00 + Incremental $75 Foreign Counter Check/Deposit Ticket (each) $1.00 Currency (non-customer, per $100) $0.10 Dormant Account Fee/per month $10.00 Imposed after 24 months of inactivity Dual Signature Requirement (monthly fee) $10.00 Escheat Fee $50.00 Fax Incoming (per page) $1.00 Outgoing (per page) $1.00 Night Deposit Service Fees Annual Fee $20.00 Night Deposit Disposable Bags Varies Night Deposit Lock Bag $35.00 Additional Key $8.00 Additional Keys outlined in night depository agreement. Foreign Currency Foreign Currency Exchange Fee Greater than $250 in US Value Free Less than $250 in US Value $10.00 Foreign Travelers Checks 1% or $1.00/$100 US Plus $10 if less than $250 in US Value Foreign Draft $25/draft Plus $10 if less than $250 in US Value Priority Overnight Delivery $10 Mail Order Fee If less than $1,500 in US Value FirstRate Money Market and Private Banking Select Money Market Accounts** Maintain an average daily balance of $5,000 to avoid the documents we used monthly maintenance fee of $10.00 A fee of $15.00 per transfer in our investigationexcess of six (6) will be assessed. Security Due to Regulation D, activity is limited to no more than 6 automatic or electronic transfer withdrawals per month. The customer can make unlimited deposits and withdrawals at the ATM. **Only 6 transfers (3 by draft) are permitted by law. If more than 6 in one month, a penalty of Website While $15.00 per transfer will be assessed. Safe Deposit Box Rental Varies Drilling $175.00 Inventory $25.00 Lost Key Replacement $25.00 Late Payment $5.00 Wire Transfers Incoming (Domestic and International) $17.00 Outgoing (Depositors Only) Domestic $25.00 International $50.00 Miscellaneous Account Activity Printout Fee $5.00 Account Closed within 180 Days of Opening $50.00 Account Reconcilement/Research $25.00 per hour $15.00 minimum Balance Inquiry $2.00 Bond Coupon Processing (per envelope) $20.00 Canadian/Foreign Check (per item) $6.00 CD Rom Statement (per CD/per month) $30.00 Check Printing Varies Garnishment Fee $175.00 Hold Mail Fee (per month) $10.00 IRA Transfer to Another Institution (each) $50.00 Levies Fee $200.00 Non-Customer Check Cashing Fee $10.00 Notary Fee $2.00 Original Check Sorting (per item) $0.05/$5.00 minimum Overdraft (per item) $37.00 Overdrawn Account Fee A $12 fee will be charged every 3 business days that your account is overdrawn. This fee will start on the credit union has taken all necessary third business day your account is overdrawn and optional precautions will be in addition to ensure any overdraft fee that you may have incurred. Overdraft Protection Transfer (per transfer) $10.00 Photocopies (per page) $0.50 Photocopies of a Paid Check $25.00 per hour $15.00 minimum Returned Coupon (per coupon) $25.00 Returned Deposited or Cashed Item $12.00 Rolled Coin (non-customer, per roll) $0.08 Medallion Signature Guarantee $10.00 Special Statement Request (each) $10.00 Stop Payment Order (per item, including official checks) $37.00 Telephone Transfers Free Companion Card $2.95 Visa Gift Card $3.95 Visa Travel Card $8.95 BUSINESS ACCOUNT FEE SCHEDULE Effective March 1, 2013 PRODUCT INFORMATION Treasury Management and Merchant Services Quoted directly depending on the security and safety level of its website and service(s) desired. Contact a Treasury Management Representative for a price quote. Free Small Business Checking Deposit Tickets, Deposited, Paid or Electronic Items $0.30 Per item in excess of 150 Negative Collected Balance Charge Prime Rate + 5% Compak Business Checking Deposit Tickets, Deposited, Paid or Electronic Items $0.30 Per item in excess of 400 Maintain a min. daily balance of $1,500 or an avg. daily balance of $5,000 to avoid the Internet monthly account maintenance fee $20.00 Negative Collected Balance Charge Prime Rate + 5% Business Banking ServiceSweep Deposit Tickets, Deposited, Paid or Electronic Items $0.30 Per item in excess of 400 Maintain a min. daily balance of $1,500 or an avg. daily balance of $5,000 to avoid the credit union does not guarantee that downloads monthly account maintenance fee $20.00 This account transfers funds over $15,000 to invest on a nightly basis. If the checking account drops below a collected balance of $15,000, funds will flow from the site will be free investment account back into the checking account. Business Analysis Checking Deposit and Electronic Items $0.16 Deposit Tickets (per ticket) $0.45 Paid Checks (per item) $0.22 Monthly Maintenance Fee $20.00 FDIC Charge and Earnings Credit Rate. Consult your Personal Banker. Business Interest Checking Deposit and Electronic Items $0.16 Deposit Tickets (per ticket) $0.45 Paid Checks (per item) $0.22 Maintain a min. daily balance of any viruses $2,000 or other destructive devicesan avg. Additionally, you provide, request, and receive information from daily balance of $4,000 to avoid the site monthly account maintenance fee $20.00 Negative Collected Balance Charge Prime + 5% Estate Management Account Negative Collected Balance Charge Prime + 5% Estate Management Account with Interest Maintain a min. daily balance of $50,000 to avoid the knowledge that such information can be intercepted and/or viewed by unknown third parties.monthly account maintenance fee $25.00 Negative Collected Balance Charge Prime + 5%

Your Liability for Unauthorized Transfers. If you believe any of your Access Codes has been lost or stolen, you should notify us and change your password immediately. Tell Contact us at once if you believe the Card, PIN or Varo Bank Account number has been stolen or compromised. Telephoning is the best way to minimize your statementpossible losses. If the Card, account PIN or transaction information, or security information Varo Bank Account number has been lost, stolenstolen or compromised, or compromisedyou suspect that someone has transferred or may transfer money from from the Varo Bank Account without your permission, call 0-000-000-0000. Contacting us Under Visa Core Rules, your liability for unauthorized Visa debit transactions on the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by phone is Visa, or to anonymous prepaid cards (until such time as the best way identity of keeping your possible losses downthe cardholder has been registered with us). You could lose all must notify us immediately of any unauthorized use. In the money in your account, as well as your maximum overdraft line of creditevent that the Visa Zero Liability Rules do not apply, if applicable. If you tell notify us within two (2) business daysdays after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used your security information the Varo Bank Account without your permission. If you do not tell notify us within two (2) business days after you learn of the loss or theft of your security informationthe Card, PIN, or Varo Bank Account number and we can prove that we could have stopped someone from using your security information the Varo Bank Account without your permission if you had promptly notified us, you could lose as much as $500.00. If Also, if you become aware of and/or your statement shows transfers transactions that you did not make, tell us notify Varo at onceonce following the procedures stated in the paragraph captioned "Information About Your Right to Dispute Errors". If we you do not receive notification from you notify us within sixty calendar (60) days after you become aware of the transaction(s) and/or the statement datewas made available to you, you may not be entitled to get back any type of account re-credit for the value you lost funds. We will tell after the sixty (60) days if we can prove that someone could have been stopped from taking value if you the results of our investigation within ten business days after we hear from you, and will correct any error promptlyhad provided us notice in time. If we need more time, however, we may take up to forty-five calendar days to investigate your complaint a good reason (such as a long trip or question. If we determine we need this extra timea hospital stay) kept you from telling us, we will provisionally credit your account within ten business days for the amount you think is in error. You will have the use of the money during extend the time it takes us to complete our investigationperiods. If we ask you to put your complaint the Card, PIN or question in writing and we do not receive it within ten business daysVaro Bank Account number has been lost, we may not provisionally credit your account. If we decide that there was no errorstolen or compromised, we will de-activate the Card and/or Varo Bank Account to keep losses down and send you a written explanation within three business days after we finish our investigationreplacement Card and/or Varo Bank Account number. If the Varo Bank Account number changes you must immediately notify your employer or any other payors or merchants. You may ask for copies of must provide them with the documents we used in our investigation. Security of Website While the credit union has taken all necessary and optional precautions new Varo Bank Account number to ensure the security and safety of its website and the Internet Banking Service, the credit union does not guarantee that downloads from the site will be free of any viruses or other destructive devices. Additionally, you provide, request, and receive information from the site with the knowledge that such information can be intercepted your direct deposit and/or viewed by unknown third partiesACH Debit activity continues uninterrupted.

Your Liability for Unauthorized Transfers. If TELL US AT ONCE if you believe any of your Access Codes Card has been lost or stolen, you should notify us and change your password immediately. Tell us Telephoning toll-free at once if you believe your statement, account or transaction information, or security information has been lost, stolen, or compromised. Contacting us by phone 1-877-766-3551 is the best way of keeping your possible losses down. You could lose all the money in your accountIF YOU BELIEVE THAT YOUR CARD HAS BEEN STOLEN, as well as your maximum overdraft line of creditOR THAT SOMEONE HAS TRANSFERRED OR MAY TRANSFER MONEY FROM YOUR CARD WITHOUT YOUR PERMISSION, CALL US TOLL FREE AT 1-877-766-3551. WE WILL CANCEL THE CARD AND WILL REIMBURSE YOU FOR THE REMAINING VALUE STILL ON THE CARD AS OF THE TIME YOU NOTIFY US. IF YOU NOTIFY US WITHIN TWO (2) BUSINESS DAYS OF THE LOSS OR THEFT, AND SOMEONE HAS USED YOUR CARD WITHOUT YOUR PERMISSION, WE WILL ALSO REIMBURSE YOU FOR ANY FUNDS TAKEN FROM THE CARD WITHOUT PERMISSION. IF YOU DO NOT NOTIFY US WITHIN TWO (2) BUSINESS DAYS AFTER YOU LEARN OF THE LOSS OR THEFT OF YOUR CARD AND WE CAN PROVE THAT WE COULD HAVE STOPPED SOMEONE FROM USING YOUR CARD WITHOUT YOUR PERMISSION IF YOU HAD PROMPTLY NOTIFIED US, YOU COULD LOSE AS MUCH AS $50. Also, if applicable. If you tell us within two business days, you can lose no more than $50.00 if someone used your security information without your permission. If you do not tell us within two business days after you learn of the loss or theft of your security information, and we can prove we could have stopped someone from using your security information without your permission if you had notified us, you could lose as much as $500.00. If your statement shows transfers transactions that you did not make, tell us at once. If we you do not receive notification from you tell us within sixty calendar 60 days after the statement datewas made available to you, you may not be entitled to get back any type of account re-credit for money you lost funds. We will tell after the 60 days if we can prove that we could have stopped someone from taking the money if you the results of our investigation within ten business days after we hear from you, and will correct any error promptlyhad told us in time. If we need more time, however, we may take up to forty-five calendar days to investigate your complaint Card has been lost or question. If we determine we need this extra timestolen, we will provisionally credit close your account within ten business days for Card Account to keep losses down. We reserve the amount right to investigate any claim you think is in error. You will have the use of the money during the time it takes us may make with respect to complete our investigation. If we ask you to put your complaint a lost or question in writing and we do not receive it within ten business days, we may not provisionally credit your account. If we decide that there was no error, we will send you a written explanation within three business days after we finish our investigation. You may ask for copies of the documents we used in our investigation. Security of Website While the credit union has taken all necessary and optional precautions to ensure the security and safety of its website and the Internet Banking Service, the credit union does not guarantee that downloads from the site will be free of any viruses or other destructive devices. Additionally, you provide, requeststolen Card, and receive information from the site you agree to cooperate with the knowledge that such information can be intercepted and/or viewed by unknown third partiesinvestigation.

Your Liability for Unauthorized Transfers. If you believe any of are unable to find your Access Codes has been lost or stolenCard, you should notify us and change may put a security hold on your password immediatelyCard so no money can be spent or cash withdrawn while you look for it. Tell Click “Freeze My Card” from the Help page in the App. Contact us at once if you believe your statement, account or transaction information, or security information Card has been lost, lost or stolen, or compromised. Contacting us by phone Telephoning is the best way of keeping to minimize your possible losses down. You could lose all the money in your account, as well as your maximum overdraft line of credit, if applicablelosses. If you tell believe your Card has been lost or stolen, or that someone has transferred or may transfer money from your Card Account without your permission, call us at 0-000-000-0000. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions on your Card Account is $0.00 if you notify us within two (2) business daysdays and you are not grossly negligent or fraudulent in the handling of your Card. This reduced liability does not apply to PIN transactions not processed by Visa or to ATM cash withdrawals. If you notify us within two (2) business days of any unauthorized transactions, you can lose no more than $50.00 if someone used your security information Card without your permission. If you do not tell notify us within two (2) business days after you learn of the loss or theft of your security information, Card and we can prove that we could have stopped someone from using your security information Card without your permission if you had promptly notified us, you could lose as much as $500.00. If Also, if you become aware of and/or your statement shows transfers transactions that you did not make, tell notify us at onceonce following the procedures stated in the paragraph labeled “Your Right to Dispute Errors”. If we you do not receive notification from you notify us in writing within sixty calendar (60) days after you become aware of the transaction and/or after the statement datewas made available to you, you may not be entitled to get back any type value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the value if you had notified us in time and you are grossly negligent or fraudulent in the handling of account re-credit for lost funds. We will tell you the results of our investigation within ten business days after we hear from you, and will correct any error promptlyyour Card. If we need more time, however, we may take up to forty-five calendar days to investigate your complaint a good reason (such as a long trip or question. If we determine we need this extra timea hospital stay) kept you from telling us, we will provisionally credit your account within ten business days for the amount you think is in error. You will have the use of the money during extend the time it takes us to complete our investigationperiods. If we ask you to put your complaint Card has been lost or question in writing and we do not receive it within ten business days, we may not provisionally credit your account. If we decide that there was no errorstolen, we will send you close your Card Account to keep losses down. Return to your employer to obtain a written explanation within three business days after we finish our investigation. You may ask for copies of the documents we used in our investigation. Security of Website While the credit union has taken all necessary and optional precautions to ensure the security and safety of its website and the Internet Banking Service, the credit union does not guarantee that downloads from the site will be free of any viruses or other destructive devices. Additionally, you provide, requestreplacement card, and receive information from the site with the knowledge that such information can be intercepted and/or viewed by unknown third partiescall 0-000-000-0000 to transfer funds to your replacement card.

Your Liability for Unauthorized Transfers. If you believe any of your Access Codes has been lost or stolen, you should notify us and change your password immediately. Tell Contact us at once if you believe your statement, account or transaction information, or security information Card has been lost, lost or stolen, or compromised. Contacting us by phone Telephoning is the best way of keeping to minimize your possible losses down. You could lose all the money in your account, as well as your maximum overdraft line of credit, if applicablelosses. If you tell us within two business daysbelieve your Card has been lost or stolen, you can lose no more than $50.00 if or that someone used has transferred or may transfer money from your security information Card Account or Card Sub-Account without your permission, call us at the Customer Service number above. Mastercard® Limitation of Liability - Guidelines and Limitations: In addition to your limitations of liability under the Your Liability for Unauthorized Transfers section above, your liability for the unauthorized use of your Card Account may also be limited by Mastercard. Subject to the limitations and exclusions stated below, under the Mastercard rules, you will have no liability for a transaction that was not authorized by you if: 1) your Card was registered and your identity verified; and 2) you exercised reasonable care in safeguarding the Card from risk of loss or theft, and, upon becoming aware of such loss or theft, promptly reported such loss or theft to us by calling our Client Support number. The Mastercard Limitation of Liability Policy is subject to change without notice and changes made by Mastercard will automatically apply to your Card Account. Also, if you become aware of and/or your statement shows transactions that you did not make, notify us at once following the procedures stated in the paragraph labeled “Your Right to Dispute Errors.” If you do not tell notify us in writing within two business sixty (60) days after you learn become aware of the loss or theft of your security informationtransaction and/or after the statement was made available to you, and you may not get back any value you lost after the sixty (60) days if we can prove that we could have stopped someone from using your security information without your permission taking the value if you had notified us in time and you are grossly negligent or fraudulent in the handling of your Card. If a good reason (such as a long trip or a hospital stay) kept you from telling us, you could lose as much as $500.00we will extend the time periods. If your statement shows transfers that Card or Card number has been lost or stolen please notify us immediately and we will inactive your Card and send you did not make, tell us a replacement Card at onceno charge. If we do not receive notification from you within sixty calendar days after the statement date, you may not be entitled to any type of account re-credit for lost funds. We will tell you the results of our investigation within ten business days after we hear from you, and will correct any error promptly. If we need more time, howeverIn some cases, we may take up close your Card Account or Card Sub-Account to forty-five calendar days to investigate keep losses down. Upon your complaint or question. If we determine we need this extra time, we will provisionally credit your account within ten business days for the amount you think is in error. You will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten business daysrequest, we may not provisionally credit your account. If we decide that there was no error, we will send provide you with a written explanation within three business days after we finish our investigation. You may ask for copies of the documents we used in our investigation. Security of Website While the credit union has taken all necessary and optional precautions to ensure the security and safety of its website and the Internet Banking Service, the credit union does not guarantee that downloads from the site will be free of any viruses replacement Card Account or other destructive devices. Additionally, you provide, request, and receive information from the site with the knowledge that such information can be intercepted and/or viewed by unknown third partiesCard Sub-Account.

Your Liability for Unauthorized Transfers. If Contact us AT ONCE if you believe any of your Access Codes the Card has been lost or stolen, you should notify us and change stolen or used without your password immediately. Tell us at once permission or if you believe anyone has gained unauthorized access to your statement, account or transaction information, or security information has been lost, stolen, or compromisedPIN. Contacting us by phone Telephoning is the best way of keeping to minimize your possible losses down. You could lose all the money in your account, as well as your maximum overdraft line of credit, if applicablelosses. If you tell believe the Card has been lost or stolen or that someone has transferred or may transfer money from the Card Account without your permission call us at the Customer Service telephone number shown at the beginning of this Agreement. Under Visa Core Rules, your liability for unauthorized Visa debit transactions on the Card Account is $0.00 if you are not negligent or fraudulent in the handling of the Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa, or to anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us). You must notify us immediately of any unauthorized use. In the event the Visa Zero Liability Rules do not apply, if you notify us within two (2) business daysdays after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used your security information the Card without your permission. If you do not tell notify us within two (2) business days after you learn of the loss or theft of your security information, the Card and we can prove that we could have stopped someone from using your security information the Card without your permission if you had promptly notified us, you could lose as much as $500.00. If Also, if you become aware of and/or your statement transaction history shows transfers transactions that you did not make, tell notify us at onceonce following the procedures stated in Section 29 below. If we you do not receive notification from you notify us within sixty calendar (60) days after you become aware of the statement datetransaction and/or after the transaction history was made available to you, you may not be entitled to get back any type of account re-credit for value you lost funds. We will tell after the sixty (60) days if we can prove that we could have stopped someone from taking the value if you the results of our investigation within ten business days after we hear from you, and will correct any error promptlyhad notified us in time. If we need more time, however, we may take up to forty-five calendar days to investigate your complaint a good reason (such as a long trip or question. If we determine we need this extra timea hospital stay) kept you from telling us, we will provisionally credit your account within ten business days for the amount you think is in error. You will have the use of the money during extend the time it takes us to complete our investigationperiods. If we ask you to put your complaint the Card has been lost or question in writing and we do not receive it within ten business days, we may not provisionally credit your account. If we decide that there was no errorstolen, we will close the Card Account to keep losses down and will send you a written explanation within three business days after we finish our investigationreplacement Card. You A fee may ask be assessed for copies expedited production or delivery of a replacement Card; for more information about the documents we used in our investigation. Security of Website While the credit union has taken all necessary delivery options and optional precautions to ensure the security and safety of its website and the Internet Banking Serviceapplicable fees, the credit union does not guarantee that downloads from the site will be free of any viruses or other destructive devices. Additionally, you provide, request, and receive information from the site with the knowledge that such information can be intercepted and/or viewed by unknown third partiessee Section 23 below.

Your Liability for Unauthorized Transfers. If you believe any of your Access Codes has been lost or stolen, you should notify You must contact us and change your password immediately. Tell us immediately at once 0-000-000-0000 if you believe your statementthe Card, account PIN or transaction informationBank Account number has been stolen, compromised, or security information your Bank Account has been lostused without permission. Under Visa Core Rules, stolenyour liability for unauthorized Visa debit transactions on the Card is $0.00 if you are not negligent or fraudulent in the handling of the Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa, or compromised. Contacting us by phone is to anonymous prepaid cards (until such time as the best way identity of keeping your possible losses downthe cardholder has been registered with us). You could lose all must notify us immediately of any unauthorized use. In the money in your account, as well as your maximum overdraft line of creditevent that the Visa Zero Liability Rules do not apply, if applicable. If you tell notify us within two (2) business daysdays after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used your security information the Bank Account without your permission. If you do not tell notify us within two (2) business days after you learn of the loss or theft of your security informationthe Card, PIN, or Bank Account number and we can prove that we could have stopped someone from using your security information the Bank Account without your permission if you had promptly notified us, you could lose as much as $500.00. If Also, if you become aware of and/or your statement shows transfers transactions that you did not makeauthorize, tell us notify Xxxx at onceonce following the procedures stated in the paragraph captioned "Information About Your Right to Dispute Errors". If we you do not receive notification from you notify us within sixty calendar (60) days after you become aware of the transaction(s) and/or the statement datewas made available to you, you may not be entitled to get back any type of account re-credit for the value you lost funds. We will tell after the sixty (60) days if we can prove that someone could have been stopped from taking value if you the results of our investigation within ten business days after we hear from you, and will correct any error promptlyhad provided us notice in time. If we need more time, howevera good reason (such as a long trip or a hospital stay) kept you from telling us, we may take up to forty-five calendar days to investigate your complaint or questionextend the time periods. If we determine we need this extra timeyour Card, PIN or Bank Account number has been lost, stolen or compromised, we will provisionally credit your account within ten business days for deactivate the amount you think is in error. You will have the use of the money during the time it takes us Card and/or Bank Account to complete our investigation. If we ask you to put your complaint or question in writing prevent further transactions from occurring and we do not receive it within ten business days, we may not provisionally credit your account. If we decide that there was no error, we will send you a written explanation within three business days after we finish our investigation. You may ask for copies of the documents we used in our investigation. Security of Website While the credit union has taken all necessary and optional precautions to ensure the security and safety of its website and the Internet Banking Service, the credit union does not guarantee that downloads from the site will be free of any viruses or other destructive devices. Additionally, you provide, request, and receive information from the site with the knowledge that such information can be intercepted replacement Card and/or viewed by unknown third partiesBank Account Number.

Your Liability for Unauthorized Transfers. If you believe any of tell us within two (2) Business Days after you discover your Access Codes Log-in Credentials or other means to access your account has been lost or stolen, you should notify us and change your password immediately. Tell us at once if you believe your statement, account or transaction information, or security information has been lost, stolen, or compromised. Contacting us by phone liability is the best way of keeping your possible losses down. You could lose all the money in your account, as well as your maximum overdraft line of credit, if applicable. If you tell us within two business days, you can lose no more than $50.00 if should someone used access your security information account without your permission. If you do not tell us within two business days (2) Business Days after you learn of the such loss or theft of your security informationtheft, and we can prove that we could have stopped someone from using prevented the unauthorized use of your security information without password or other means to access your permission account if you had notified told us, you could lose be liable for as much as $500.00. If your monthly financial institution statement shows contains transfers that you did not makeauthorize, you must tell us at once. If we you do not receive notification from you tell us within sixty calendar (60) days after the statement datewas sent to you, you may not be entitled lose any amount transferred without your authorization after the sixty (60) days if we can prove that we could have stopped someone from taking the money had you told us in time. If a good reason (such as a long trip or a hospital stay) prevented you from telling us, we may extend the period. Errors and Questions In case of errors or questions about your transactions, you should as soon as possible notify us via one of the following: • Telephone us at (000) 000-0000 during Customer Service hours; • Contact us by using the application’s e-messaging feature; and/or, • Write us at: Stifel Bank ATTN: Deposit Operations One Financial Plaza 000 Xxxxx Xxxxxxxx St. Louis, Missouri 63102 If you think your statement is incorrect or you need more information about a Service transaction listed on the statement, we must hear from you no later than sixty (60) days after the FIRST statement was sent to any type you on which the problem or error appears. You must: • Tell us your name and Service account number; • Describe the error or the transaction in question, and explain as clearly as possible why you believe it is an error or why you need more information; and, • Tell us the dollar amount of account re-credit for lost fundsthe suspected error. If you tell us verbally, we may require that you send your complaint in writing within ten (10) Business Days after your verbal notification. We will tell you the results of our investigation within ten business days (10) Business Days after we hear from you, and will correct any error promptly. If However, if we need require more time, howevertime to confirm the nature of your complaint or question, we may reserve the right to take up to forty-five calendar (45) days to investigate your complaint or questioncomplete our investigation. If we determine we need this extra timedecide to do this, we will provisionally credit your account Payment Account within ten business days (10) Business Days for the amount you think is in error. You will have the use of the money during the time it takes us to complete our investigation. If we ask you to put submit your complaint or question in writing and we do not receive it within ten business days(10) Business Days, we may not provisionally credit your accountPayment Account. If we decide that it is determined there was no error, error we will send mail you a written explanation within three business days (3) Business Days after we finish completion of our investigation. You may ask for copies of the documents we used in our investigation. Security of Website While the The Service may revoke any provisional credit union has taken all necessary and optional precautions provided to ensure the security and safety of its website and the Internet Banking Service, the credit union does you if we find an error did not guarantee that downloads from the site will be free of any viruses or other destructive devices. Additionally, you provide, request, and receive information from the site with the knowledge that such information can be intercepted and/or viewed by unknown third partiesoccur.

Your Liability for Unauthorized Transfers. If Contact us AT ONCE if you believe any of your Access Codes Card, PIN, code or Card Account number has been lost or stolen, you should notify us and change or that your password immediatelyfunds have been transferred from your Card Account without your permission. Tell us at once if you believe your statement, account or transaction information, or security information has been lost, stolen, or compromised. Contacting us by phone Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account, as well as your maximum overdraft line of credit, if applicable. If you tell us within two business days, you can lose no more than $50.00 if someone used your security information without your permission. If you do not tell us within two 2 business days after you learn of the loss or theft of your security informationCard, PIN, code or Card Account number, you can lose no more than $50 if someone used your card without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft of your Card, PIN, code or Card Account number, and we can prove we could have stopped someone from using your security information Card, PIN, code or Card Account number without your permission if you had told us, you could lose as much as $500. Also, if your transaction history and/or account statement shows transfers that you did not make, including those made by Card, PIN, code or other means, tell us at once. If you do not tell us within 60 days after the earliest of: (i) you electronically access your Card Account, if the transfers could be viewed in your electronic history, or (ii) the date we sent the FIRST account statement of your Card Account transactions on which the transfers appeared, you may not get back any value in your Card Account that you lost after the 60 days if we can prove that we could have stopped someone from taking the value in your Account 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. Contact in event of unauthorized transfer. If you believe your Card, PIN, code, or Card Account number has been lost or stolen, call Robinhood Customer Service at (000) 000-0000 or write to Robinhood at 00 Xxxxxx Xxxx, Xxxxx Xxxx, XX 00000. You can also contact Robinhood by visiting xxxxxxxxx.xxx/xxxxxxx. Upon notice that your Card has been lost or stolen, we may suspend or cancel your Card and send you a replacement Card at no charge. In some cases, we may close your Card Account to keep losses down. Upon your request, we may provide you with a replacement Card Account. Special Provisions for Card Transactions (Mastercard Zero Liability Protection): Under the Card Network Rules, you will not be held responsible for unauthorized transactions if you exercise reasonable care in safeguarding your Card from loss, theft, or unauthorized use, and you notify us of such activity within two (2) business days. This reduced liability does not apply if (a) a PIN is used as the method of verification for a disputed transaction, or (b) you have reported two (2) or more incidents of unauthorized use in the immediately preceding twelve (12) month period. If you notify us within (2) business days of any unauthorized transactions, you can lose no more than $50.00 if a person used your Card without your permission. If you do not notify us within two (2) business days after you learn of the loss or theft of your Card, and we can prove that we could have stopped a person from using your Card without your permission if you had promptly notified us, you could lose as much as $500.00. If your statement shows transfers that you did not make, tell us at once. If we do not receive notification from you within sixty calendar days after the statement date, you may not be entitled to any type of account re-credit for lost funds. We will tell you the results of our investigation within ten business days after we hear from you, and will correct any error promptly. If we need more time, however, we may take up to forty-five calendar days to investigate your complaint or question. If we determine we need this extra time, we will provisionally credit your account within ten business days for the amount you think is in error. You will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten business days, we may not provisionally credit your account. If we decide that there was no error, we will send you a written explanation within three business days after we finish our investigation. You may ask for copies of the documents we used in our investigation. Security of Website While the credit union has taken all necessary and optional precautions to ensure the security and safety of its website and the Internet Banking Service, the credit union does not guarantee that downloads from the site will be free of any viruses or other destructive devices. Additionally, you provide, request, and receive information from the site with the knowledge that such information can be intercepted and/or viewed by unknown third parties.

Your Liability for Unauthorized Transfers. If you believe any of are unable to find your Access Codes has been lost or stolenCard, you should notify us and change may put a security hold on your password immediatelyCard so no money can be spent or cash withdrawn while you look for it. Tell Click “Card Lock” from the Privacy page in the AnyDay Mobile Application. Contact us at once if you believe your statement, account or transaction information, or security information Card has been lost, lost or stolen. If you believe your Card has been lost or stolen, or compromisedthat someone has transferred or may transfer money from your Card Account without your permission, call us at 1-(877)- 000-0000. Contacting Under Discover Operating Regulations, your liability for unauthorized Discover transactions on your Card Account is $0.00 if you notify us within two (2) business days and you are not grossly negligent or fraudulent in the handling of your Card. This reduced liability does not apply to PIN transactions not processed by phone is the best way of keeping your possible losses down. You could lose all the money in your account, as well as your maximum overdraft line of credit, if applicableDiscover or to ATM cash withdrawals. If you tell notify us within two (2) business daysdays of any unauthorized transactions, you can lose no more than $50.00 if someone used your security information Card without your permission. If you do not tell notify us within two (2) business days after you learn of the loss or theft of your security information, Card and we can prove that we could have stopped someone from using your security information Card without your permission if you had promptly notified us, you could lose as much as $500.00. If Also, if you become aware of and/or your statement shows transfers transactions that you did not make, tell notify us at onceonce following the procedures stated in the paragraph labeled “Your Right to Dispute Errors”. If we you do not receive notification from you notify us in writing within sixty calendar (60) days after you become aware of the transaction and/or after the statement datewas made available to you, you may not be entitled to get back any type value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the value if you had notified us in time and you are grossly negligent or fraudulent in the handling of account re-credit for lost funds. We will tell you the results of our investigation within ten business days after we hear from you, and will correct any error promptlyyour Card. If we need more time, however, we may take up to forty-five calendar days to investigate your complaint a good reason (such as a long trip or question. If we determine we need this extra timea hospital stay) kept you from telling us, we will provisionally credit your account within ten business days for the amount you think is in error. You will have the use of the money during extend the time it takes us to complete our investigationperiods. If we ask you to put your complaint Card has been lost or question in writing and we do not receive it within ten business days, we may not provisionally credit your account. If we decide that there was no errorstolen, we will send you close your Card Account to keep losses down. To obtain a written explanation within three business days after we finish our investigation. You may ask for copies of the documents we used in our investigation. Security of Website While the credit union has taken all necessary and optional precautions to ensure the security and safety of its website and the Internet Banking Servicereplacement card, the credit union does not guarantee that downloads from the site will be free of any viruses or other destructive devices. Additionally, you provide, request, and receive information from the site with the knowledge that such information can be intercepted and/or viewed by unknown third partiescall 0-(000)-000-0000.

Your Liability for Unauthorized Transfers. If you believe any of your Access Codes user ID and/or password has been lost or stolen, you should notify us compromised and change your password immediately. Tell us at once if you believe your statement, account or transaction information, or security information has been lost, stolen, or compromised. Contacting us by phone is the best way of keeping your possible losses down. You could lose all the money in your account, as well as your maximum overdraft line of credit, if applicable. If you tell us within two business days2 Business Days of discovering the loss or misappropriation, you can lose no more than $50.00 50 if someone used your security information user ID and/or password without your permission. If you do not tell us within two business days after you learn of the loss or theft of your security information, and we can prove we could have stopped someone from using your security information without your permission if you had notified us2-Business Day period, you could lose as much as $500.00500 if we could have stopped the use of your accounts had we received notice in a timely manner. If You must contact the Bank as soon as you identify any errors or discrepancies in your periodic statement shows transfers that or transaction record, or if you did not make, tell us at onceneed any information about a transaction listed on the periodic statement or transaction record. If we do not receive notification We must hear from you within sixty calendar days after the statement date, you may not be entitled to any type of account re-credit for lost funds. We will tell you the results of our investigation within ten business no later than 60 days after we hear from youhave sent the f irst statement on which the unauthorized transaction, and will correct any problem or error promptlyappeared. (If we need more time, howeveryou notify us verbally, we may take up to forty-five calendar days to investigate your complaint or question. If we determine we need this extra time, we will provisionally credit your account within ten business days for the amount require that you think is in error. You will have the use of the money during the time it takes send us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it or electronically within ten business days10 Business Days). If you fail to notify us within the 60-day period, we you may not provisionally credit 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 reason such as out-of-town travel or extended hospital stays. MONEY MANAGEMENT & CASH BACK REWARDS OFFERS – END USER LICENSE AGREEMENT Should you decide to use either Money Management or the Cash Back Rewards feature of the Service, you acknowledge and agree to the following terms and conditions. License Grant and Restrictions: You are granted a personal, limited, non-exclusive, non-transferable license, to electronically access and use the Money Management Service (“Money Management”) solely to manage your accountfinancial data, and the Cash Back Rewards application ("Cash Back Rewards Offers") to benef it from your debit card purchases. If we decide that there was no errorIn addition to the Money Management Service and the Cash Back Rewards Offers, we the terms " Money Management " and "Cash Back Rewards Offers" also include any other programs, tools, internet-based services, components and any "updates" (for example, Service maintenance, Cash Back Rewards inf ormation, help content, bug fixes, or maintenance releases, etc.) of Money Management or Cash Back Rewards Offers if and when they are made available to you by us or by our third party vendors. Certain Money Management and Cash Back Rewards Offers may be accompanied by, and will send you a written explanation within three business days after we finish our investigationbe subject to, additional terms and conditions. You may ask for copies are not licensed or permitted to do any of the documents we used following and you may not allow any third party to do any of the following: (i) access or attempt to access any other systems, programs or data that are not made available for public use; (ii) copy, reproduce, republish, upload, post, transmit, resell or distribute in our investigation. Security of Website While any way the credit union has taken all necessary and optional precautions to ensure material f rom the security and safety of its website and the Internet Banking Service, the credit union does not guarantee that downloads Money Management site or from the site will be free of any viruses or other destructive devices. Additionally, you provide, request, and receive information from the site with the knowledge that such information can be intercepted and/or viewed by unknown third parties.Cash Back Rewards Offers program;

Your Liability for Unauthorized Transfers. If During your online KlaDot Account set-up, you will be invited to register your phone number and create Access Credentials to protect your KlaDot Account from unauthorized access. You are responsible for maintaining ownership of the mobile device associated with the phone number and security of your other Access Credentials. Tell us AT ONCE if you believe that any of Access Credentials or device you use to access your Access Codes KlaDot Account has been lost or stolen, you should notify us and change that an EFT has been made without your password immediatelypermission, or that someone has transferred or may transfer money from your Deposit Account without your authorization. Tell You may write to us at once if xxxxx@xxxxxx.xxx or such other address as we may provide to you believe your statement, account or transaction information, or security information has been lost, stolen, or compromisedfrom time to time). Contacting us by phone Using our mobile chat messenger from the KlaDot application is the best way of keeping your possible losses down. You could lose all the money in your account, as well as your maximum overdraft line of credit, if applicableDeposit Account. If you tell us within two business days, you can lose no more than $50.00 if someone used your security information without your permission. If you do not tell us within two business days Business Days after you learn of the loss or theft of your security informationAccess Credentials or device, your liability will be limited to $50 if someone accesses your Deposit Account without your authorization. If you DO NOT tell us within two Business Days after you learn of the lost or theft of your Access Credentials or device, and we can prove we could have stopped someone from using your security information Access Credentials or device without your permission if you had notified told us, you could lose as much as $500.00500. If Also, if your statement shows transfers that you did not make, tell us at onceAT ONCE. If we you do not receive notification from you tell us within sixty calendar 60 days after the statement datewas mailed to you, you may not be entitled get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money had you 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. If you grant authority to make transfers to another person who exceeds the authority granted, you are fully liable for any type transfers until you notify us that transfers by that person are no longer authorized. In Case of account re-credit for lost fundsErrors or Questions about your EFTs Write to us at xxxxx@xxxxxx.xxx as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We will tell must hear from you the results of our investigation within ten business no later than 60 days after we hear from you, and will correct any send the FIRST statement on which the problem or error promptly. If we need more time, however, we may take up to forty-five calendar days to investigate your complaint or question. If we determine we need this extra time, we will provisionally credit your account within ten business days for the amount you think is in error. You will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten business days, we may not provisionally credit your account. If we decide that there was no error, we will send you a written explanation within three business days after we finish our investigation. You may ask for copies of the documents we used in our investigation. Security of Website While the credit union has taken all necessary and optional precautions to ensure the security and safety of its website and the Internet Banking Service, the credit union does not guarantee that downloads from the site will be free of any viruses or other destructive devices. Additionally, you provide, request, and receive information from the site with the knowledge that such information can be intercepted and/or viewed by unknown third partiesappeared.

Your Liability for Unauthorized Transfers. If Tell us AT ONCE if you believe any of your Card or Access Codes Information has been lost or stolen, you should notify us and change your password immediately. Tell us at once stolen or if you believe your statement, account or transaction information, or security information that an electronic funds transfer has been lost, stolen, or compromisedmade without your permission. Contacting Telephoning us by phone at 1-833-4- FANDOM (0-000-000-0000) is the best way of keeping to minimize your possible losses downlosses. You could lose all the money in your account, as well as Card Account. You agree that any unauthorized use does not include use by a person to whom you have given authority to use your maximum overdraft line of credit, if applicableCard Account or Access Information and that you will be liable for all such uses and funds transfers by such person(s). If you tell us within two business days, you can lose no more than $50.00 if someone used your security information without your permission. If you do not tell us within two 2 business days after you learn of the loss or theft of your security information, Card or Access Information you can lose no more than $50 if someone used your Card or Access Information without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft of your Card or Access Information and we can prove we could have stopped someone from using your security information Card or Access Information without your permission if you had notified ustold us within this time frames, you could lose as much as $500.00500 if someone used your Card or Access Information without your permission. If Also, if your statement electronic history shows transfers transactions that you did not make, including those made by Card, Access Information or by other means, tell us at onceAT ONCE following the procedures stated in the paragraph labeled “Information About Your Right To Dispute Errors”. If we you do not receive notification from tell us within the earlier of sixty (60) days of the date you within electronically accessed your Card Account (if the error could be viewed in your electronic history), sixty calendar (60) days of the date we sent the first written history on which the error appeared, or one-hundred and twenty (120) days after the statement datealleged unauthorized transfer was credited or debited to your Card Account, you may not be entitled to get back any type of account re-credit for money you lost funds. We will tell after this period if we can prove that we could have stopped someone from taking the money if you the results of our investigation within ten business days after we hear from you, and will correct any error promptlyhad told us in time. If we need more time, however, we may take up to forty-five calendar days to investigate your complaint a good reason (such as a long trip or question. If we determine we need this extra timea hospital stay) kept you from learning of the unauthorized transaction and telling us, we will provisionally credit extend the time periods for a reasonable period in our sole discretion. Additional Limits on Liability Under Mastercard Rules. Under Mastercard Rules, you will not be liable for any unauthorized transactions using your account within ten business days for the amount Card Account you think is can demonstrate that you have exercised reasonable care in errorsafeguarding your Card from risk of loss or theft. You will have the use of the money during the time it takes must notify us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten business days, we may not provisionally credit your account. If we decide that there was no error, we will send you a written explanation within three business 2 days after we finish our investigation. You may ask for copies of the documents we used electronic statement was made available to you showing unauthorized transaction(s) in our investigation. Security of Website While the credit union has taken all necessary and optional precautions order to ensure the security and safety of its website and the Internet Banking Service, the credit union does not guarantee that downloads from the site will be free take advantage of any viruses or other destructive devices. Additionally, you provide, request, and receive information from the site with the knowledge that such information can be intercepted and/or viewed by unknown third partieslimited liability provisions.

Your Liability for Unauthorized Transfers. If Tell us AT ONCE if you believe any of your Access Codes Card, Card Account number or PIN has been lost or stolen, you should notify us and change stolen or funds have been transferred from your password immediately. Tell us at once if you believe Account without your statement, account or transaction information, or security information has been lost, stolen, or compromised. Contacting us by phone is the best way of keeping your possible losses downpermission. You could lose all the money in your account, as well as Account. Telephoning is the best way to minimize your maximum overdraft line of credit, if applicablepossible losses. You may call us at 000-000-0000. If you tell us within two business days, you can lose no more than $50.00 if someone used your security information without your permission. If you do not tell us within two business days after you learn of the loss or theft of your security informationCard, Card Account number or PIN, you can lose no more than $50 if someone used your Card, Card Account number or PIN without your permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your Card, PIN or Account number, and we can prove we could have stopped someone from using your security information Card, PIN, or Account number without your permission if you had notified told us, you could lose as much as $500.00500. If Also, if your statement online (electronic) or written transaction history shows transfers transactions that you did not make, tell notify us at once. once following the procedures stated in the paragraph labeled “Your Right to Dispute Errors.” If we you do not receive notification from you notify us in writing within sixty calendar (60) days after the statement dateyou: (i) you electronically access your Account information or (ii) we provide you with a written history of your Account transactions,, you may not be entitled to get back any type of account re-credit for value you lost funds. We will tell after the sixty (60) days if we can prove that we could have stopped someone from taking the value if you the results of our investigation within ten business days after we hear from you, and will correct any error promptlyhad notified us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we need more timewill extend the time periods. Mastercard® Limitation of Liability - Guidelines and Limitations: In addition to your limitations of liability under the Your Liability for Unauthorized Transfers section above, howeveryour liability for the unauthorized use of your Card Account may also be limited by Mastercard. Subject to the limitations and exclusions stated below, under the Mastercard rules, you will have no liability for a transaction that was not authorized by you if: 1) your Card was registered and your identity verified; and 2) you exercised reasonable care in safeguarding the Card from risk of loss or theft, and, upon becoming aware of such loss or theft, promptly reported such loss or theft to us by calling our Client Support number. The Mastercard Limitation of Liability Policy is subject to change without notice and changes made by Mastercard will automatically apply to your Card Account. If your Card or Card number has been lost or stolen please notify us immediately and we will inactive your Card and send you a replacement Card at no charge. In some cases, we may take up close your Card Account or Card Sub-Account to forty-five calendar days to investigate keep losses down. Upon your complaint or question. If we determine we need this extra time, we will provisionally credit your account within ten business days for the amount you think is in error. You will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten business daysrequest, we may not provisionally credit your account. If we decide that there was no error, we will send provide you with a written explanation within three business days after we finish our investigation. You may ask for copies of the documents we used in our investigation. Security of Website While the credit union has taken all necessary and optional precautions to ensure the security and safety of its website and the Internet Banking Service, the credit union does not guarantee that downloads from the site will be free of any viruses replacement Card Account or other destructive devices. Additionally, you provide, request, and receive information from the site with the knowledge that such information can be intercepted and/or viewed by unknown third partiesCard Sub-Account.

Your Liability for Unauthorized Transfers. If you believe any of your Access Codes has been lost or stolen, you should notify us and change your password immediately. Tell Contact us at once if you believe your statement, account or transaction information, or security information Card has been lost, lost or stolen, or compromised. Contacting us by phone Telephoning is the best way of keeping to minimize your possible losses down. You could lose all the money in your account, as well as your maximum overdraft line of credit, if applicablelosses. If you tell believe your Card has been lost or stolen, or that someone has transferred or may transfer money from your Card Account without your permission, call 0-000-000-0000 or visit XxXxxxxxxXxxx.xxx. Under Mastercard Rules, you will not be held responsible for unauthorized transactions if you have used reasonable care in protecting your Card from loss or theft and you have promptly reported to us when you knew that your Card was lost or stolen. Zero Liability does not apply to Mastercard payment cards that are used for commercial purposes, or anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us). In the event that Mastercard Zero Liability does not apply, if you notify us within two (2) business daysdays after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used your security information without Card with- out your permission. If you do not tell notify us within two (2) business days after you learn of the loss or theft of your security information, Card and we can prove that we could have stopped someone from using your security information Card without your permission if you had promptly notified us, you could lose as much as $500.00. If Also, if you become aware of and/or your statement statement/transaction history shows transfers transactions that you did not make, tell notify us at once. once following the procedures stated in the paragraph labeled “Information About Your Right to Dispute Errors.” If we you do not receive notification from you notify us within sixty calendar (60) days after you become aware of the transaction and/or after the statement datehistory was made available to you, you may not be entitled to get back any type of account re-credit for value you lost funds. We will tell after the sixty (60) days if we can prove that we could have stopped someone from taking the value if you the results of our investigation within ten business days after we hear from you, and will correct any error promptlyhad notified us in time. If we need more time, howevera good reason (such as a long trip or a hospital stay) kept you from telling us, we may take up to forty-five calendar days to investigate your complaint or questionextend the time periods. If we determine we need this extra timeyour Card has been lost or stolen, we will provisionally credit close your account within ten business days for the amount you think is in error. You will have the use of the money during the time it takes us Card Account to complete our investigation. If we ask you to put your complaint or question in writing keep losses down and we do not receive it within ten business days, we may not provisionally credit your account. If we decide that there was no error, we will send you a written explanation within three business days after we finish our investigationreplacement Card. You may ask There is a fee for copies of replacing your Card. For information about the documents we used in our investigation. Security of Website While fee, see the credit union has taken all necessary and optional precautions to ensure the security and safety of its website and the Internet Banking Service, the credit union does not guarantee that downloads from the site will be free of any viruses or other destructive devices. Additionally, you provide, request, and receive information from the site with the knowledge that such information can be intercepted and/or viewed by unknown third partiessection labeled “Fee Schedule.”

Your Liability for Unauthorized Transfers. If Tell us AT ONCE if you believe any of your Access Codes Card, PIN or Account number has been lost or stolen, you should notify us and change your password immediately. Tell us at once or if you believe your statement, account or transaction information, or security information that an electronic fund transfer has been lost, stolen, or compromisedmay be made without your permission. Contacting Telephoning us by phone at (000) 000-0000 is the best way of keeping your possible losses down. You may also write us at 000 Xxxxxxx Xxxxxx Xxxxx 0 Xxx Xxxxxxxxx, XX 00000. You could lose all the money in your account, as well as your maximum overdraft line of creditAccount, if applicable. If you tell us within two business days, you can lose no more than $50.00 if someone used your security information without your permission. If you do not tell us within two 2 business days after you learn of the loss or theft of your security informationCard, PIN or Account number, you can lose no more than $50 if someone used your Card, PIN or Account number without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft of your Card, PIN or Account number, and we can prove we could have stopped someone from using your security information Card, PIN or Account number without your permission if you had notified told us, you could lose as much as $500.00500. If Also, if your statement shows transfers that you did not make, including those made by Card, code or other means, tell us at once. For procedures on reporting statement errors, see the section labeled “Information About Your Right to Dispute Errors”, below. If we you do not receive notification from you tell us within sixty calendar (60) days after the statement datewas made available to you, you may not be entitled to get back any type of account re-credit for money you lost funds. We will tell after the sixty (60) days if we can prove that we could have stopped someone from taking the money if you the results of our investigation within ten business days after we hear from you, and will correct any error promptlyhad told us in time. If a good reason (such as a long trip or a hospital stay) keeps you from telling us, we need more time, howeverwill extend the time periods. If your Card or Account number has been lost or stolen, we may take up close your Account to forty-five calendar days to investigate your complaint or question. If we determine we need this extra time, we will provisionally credit your account within ten business days for the amount you think is in error. You will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing keep losses down and we do not receive it within ten business days, we may not provisionally credit your account. If we decide that there was no error, we will send you a written explanation within three business days after we finish our investigationreplacement Account number. You may ask Notwithstanding the above, pursuant to Mastercard Inc.’s Mastercard Rules and Mastercard Zero Liability Protection Policy, your liability for copies unauthorized Mastercard debit transactions on your Account is $0 if you are not grossly negligent or fraudulent in the handling of the documents we used in our investigationyour Card. Security of Website While the credit union has taken all necessary and optional precautions to ensure the security and safety of its website and the Internet Banking Service, the credit union This reduced liability does not guarantee that downloads from apply to certain commercial card transactions, transactions not processed by Mastercard, or to ATM transactions outside the site will be free U.S. You must notify us immediately of any viruses or other destructive devices. Additionally, you provide, request, and receive information from the site with the knowledge that such information can be intercepted and/or viewed by unknown third partiesunauthorized use.

Your Liability for Unauthorized Transfers. If Tell us AT ONCE if you believe any of your Access Codes Card, PIN or Account number has been lost or stolen, you should notify us and change your password immediately. Tell us at once or if you believe your statement, account or transaction information, or security information that an electronic fund transfer has been lost, stolen, or compromisedmade without your permission using information from your check. Contacting us by phone Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account, as well as your maximum overdraft line of credit, if applicable. You may call us at 000-000-0000 or email xxxxxxx@xxxxxx.xxx. If you tell us within two business days, you can lose no more than $50.00 if someone used your security information without your permission. If you do not tell us within two 2 business days after you learn of the loss or theft of your security informationCard, PIN or Account number, you can lose no more than $50 if someone used your Card, PIN or Account number without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft of your Card, PIN or Account number, and we can prove we could have stopped someone from using your security information Card, PIN or Account number without your permission if you had notified told us, you could lose as much as $500.00500. If Also, if your statement shows transfers that you did not make, including those made by card, code or other means, tell us at once. If we you do not receive notification from you tell us within sixty calendar 60 days after the statement datewas 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. Also, if you become aware of and/or your statement shows transactions that you did not make, notify us at once following the procedures stated in the paragraph labeled “Your Right to Dispute Errors.” If you do not notify us in writing within sixty (60) days after you become aware of the transaction and/or after the statement was made available to you, you may not get back any value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the value if you had notified us in time and you are grossly negligent or fraudulent in the handling of your Card. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. Your liability for use of your Card without your permission may be lower than that described above under special Mastercard® rules. If your Card is used in connection with an unauthorized transaction, your liability for such unauthorized use will not exceed $0 if (i) you reported the loss or theft of your Card to us, and (ii) you did not act grossly negligent or fraudulently in handling your Card. In all other cases, the rules summarized in the paragraphs above in this section apply. If your Card has been lost or stolen please notify us immediately and we will deactivate your Card and send you a replacement Card at no charge. In some cases, we may close your Card Account to keep losses down. Upon your request, we may provide you with a replacement Card Account. You may also be entitled to any type of account re-credit for lost funds. We will tell you the results of our investigation within ten business days after we hear additional protections from youMastercard, and will correct any error promptly. If we need more time, however, we may take up to forty-five calendar days to investigate your complaint or question. If we determine we need this extra time, we will provisionally credit your account within ten business days for the amount you think is in error. You will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten business days, we may not provisionally credit your account. If we decide that there was no error, we will send you a written explanation within three business days after we finish our investigation. You may ask for copies of the documents we used in our investigation. Security of Website While the credit union has taken all necessary and optional precautions to ensure the security and safety of its website and the Internet Banking Service, the credit union does not guarantee that downloads from the site will be free of any viruses or other destructive devices. Additionally, you provide, request, and receive information from the site with the knowledge that such information can be intercepted and/or viewed by unknown third partiesif eligible.