Common use of Your Liability for Unauthorized Use Clause in Contracts

Your Liability for Unauthorized Use. Contact us AT ONCE if you believe your Card has been lost or stolen, or if you believe that someone has transferred or may transfer funds from your Card Account without your permission. Telephoning is the best way to minimize your possible losses. You could lose all the money in your account. If you believe your Card has been lost or stolen, or that someone has transferred or may transfer funds from your Card Account without your permission, call: ▇▇▇-▇▇▇-▇▇▇▇ or write: ▇▇▇▇▇▇▇ Federal Credit Union, PO BOX 7001 Biloxi, MS 39534. Under Visa U.S.A. Inc. Operating Regulations, 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 ATM transactions outside the U.S. 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 days after learning of the loss or theft of your Card, you can lose no more than $50 if someone 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 someone from using your Card without your permission if you had promptly notified us, you could lose as much as $500. We reserve the right to investigate any claim you may make with respect to a lost or stolen Card, and you agree to cooperate with such investigation. We may ask you for a written statement, affidavit, or other information in support of the claim. Also, if you become aware of and/or your account history shows transactions that you did not make, including those made by Card, code, or other means, notify us at once following the procedures stated in the section labeled "Information About Your Right to Dispute Errors." If you do not tell us within sixty (60) days after the earlier of the date you electronically access your account, if the transaction could be viewed in your electronic history, or the date we sent the FIRST written history on which the transfer appeared, you may not get back any money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time and you were 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. If your Card has been lost or stolen, we will close your Card Account to minimize the risk of further loss and reissue you a new card for a fee (see the section labeled “Fees and Other Information”).

Your Liability for Unauthorized Use. Contact us the Prepaid Contact Center AT ONCE if you believe your Card has been lost or stolen, or if you believe that someone has transferred or may transfer funds from your Card Account without your permission. Telephoning is the best way to minimize your possible losses. You could lose all the money in your account. If you believe your Card has been lost or stolen, or that someone has transferred or may transfer funds from your Card Account without your permission, call: call ▇▇▇-▇▇▇-▇▇▇▇ or write: ▇▇▇▇▇▇▇ Federal Credit Unionwrite Cardholder Services, PO BOX 7001 BiloxiP.O. Box 7235, MS 39534Sioux Falls, SD 57117-7235. Under Visa Mastercard U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa Mastercard 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 Card transactions, transactions not processed by VisaMastercard, or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. In the event the Visa Mastercard Zero Liability Rules do not apply, if you notify us within two (2) business days after learning of the loss or theft of your Card, you can lose no more than $50 50.00 if someone 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 someone from using your Card without your permission if you had promptly notified us, you could lose as much as $500500.00. We reserve the right to investigate any claim you may make with respect to a lost or stolen Card, and you agree to cooperate with such investigation. We may ask you for a written statement, affidavit, affidavit or other information in support of the claim. Also, if you become aware of and/or your account history shows transactions that you did not make, including those made by Card, code, code or other means, notify us at once following the procedures stated in the section labeled "Information About Your Right to Dispute Errors." If you do not tell us within sixty (60) days after the earlier of the date you electronically access your account, if the transaction could be viewed in your electronic history, or the date we sent the FIRST written history on which the transfer appeared, you may not get back any money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time and you were 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. If your Card has been lost or stolen, we will close your Card Account to minimize the risk of further loss and reissue you a new card Card for a fee (see the section labeled “Fees and Other Information”).

Your Liability for Unauthorized Use. Contact You agree to notify us AT ONCE immediately if you believe your Card Log-In ID or Password has been lost or stolen, ; or if you believe that someone has transferred or may transfer funds money from your Card Account Credit Union account(s) without your permission; or that an unauthorized transaction has occurred involving your account. Telephoning is the best way to minimize of keeping your possible losseslosses to a minimum. You could lose all the money in your accountCredit Union accounts plus any amount available under any overdraft protection. The following determines your liability for any unauthorized EFT or any series of related unauthorized EFTs: 1. If you believe your Card has been lost or stolen, or that someone has transferred or may transfer funds from your Card Account without your permission, call: ▇▇▇-▇▇▇-▇▇▇▇ or write: ▇▇▇▇▇▇▇ Federal notify the Credit Union, PO BOX 7001 Biloxi, MS 39534. Under Visa U.S.A. Inc. Operating Regulations, 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 ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. In the event the Visa Zero Liability Rules do not apply, if you notify us Union within two (2) business days Business Days after learning you learn of the loss or theft of your Cardtheft, you can lose no more than $50 50.00 if someone used your Card Log-In ID and Password without your permission; 2. If you do not notify us the Credit Union within two (2) business days Business Days after you learn of the loss or theft of your CardLog-In ID and Password, and we can prove that we could have stopped someone from using your Card Log-In ID and Password without your permission if you had promptly notified uspermission, you could lose as much as $500500.00; 3. We reserve the right to investigate any claim you may make with respect to a lost or stolen Card, and you agree to cooperate with such investigation. We may ask you for a written statement, affidavit, or other information in support of the claim. Also, if you become aware of and/or If your account history statement shows transactions transfers that you did not make, including those made by Card, code, or other means, notify us at once following the procedures stated in the section labeled "Information About Your Right to Dispute Errors." If and you do not tell us within sixty (60) 60 days after the earlier of the date statement showing a transfer that was not made by you electronically access your account, if the transaction could be viewed in your electronic history, or the date we sent the FIRST written history on which the transfer appearedwas mailed to you, you may not get back any money you lost after the sixty (60) 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time time. You may also be liable for the amounts as described in sections 1 and 2 above. When you give someone your Log-In ID and Password, you are authorizing that person to use the Services, and you were grossly negligent or fraudulent in are responsible for all transactions that person performs while using the handling of your CardServices. All transactions that person performs, even those transactions you did not intend to be performed, are authorized transactions. If a good reason (such as a long trip or a hospital stay) kept you from telling usnotify us that the person is no longer authorized, we will extend then only transactions that person performs after the time periodsyou notify us are considered unauthorized. If Transactions that you or someone else acting with you initiates with fraudulent intent are always authorized transactions. For your Card has been lost or stolenprotection, we will you should sign off after every online banking session and close your Card Account to minimize the risk of further loss and reissue you a new card for a fee (see the section labeled “Fees and Other Information”)browser.

Your Liability for Unauthorized Use. Contact us AT ONCE if you believe your Card has been lost or stolen, or if you believe that someone has transferred or may transfer funds from your Card Account without your permission. Telephoning is the best way to minimize your possible losses. You could lose all the money in your account. If you believe your Card has been lost or stolen, or that someone has transferred or may transfer funds from your Card Account without your permission, call: ▇▇▇-▇▇▇-▇▇▇▇ or write: ▇▇▇▇▇▇▇ Federal Credit UnionCardholder Services PO Box 7235 Sioux Falls, PO BOX 7001 Biloxi, MS 39534SD 57117-7235. Under Visa U.S.A. Inc. Operating Regulations, 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 ATM transactions outside the U.S. 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 days after learning of the loss or theft of your Card, you can lose no more than $50 if someone 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 someone from using your Card without your permission if you had promptly notified us, you could lose as much as $500. We reserve the right to investigate any claim you may make with respect to a lost or stolen Card, and you agree to cooperate with such investigation. We may ask you for a written statement, affidavit, or other information in support of the claim. Also, if you become aware of and/or your account history shows transactions that you did not make, including those made by Card, code, or other means, notify us at once following the procedures stated in the section labeled "Information About Your Right to Dispute Errors." If you do not tell us within sixty (60) days after the earlier of the date you electronically access your account, if the transaction could be viewed in your electronic history, or the date we sent the FIRST written history on which the transfer appeared, you may not get back any money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time and you were 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. If your Card has been lost or stolen, we will close your Card Account to minimize the risk of further loss and reissue you a new card for a fee (see the section labeled “Fees and Other Information”).

Your Liability for Unauthorized Use. Contact us AT ONCE if If you believe disclose your Card has been Security ID number to any person(s), you assume all risks and losses for transactions made with such disclosure. If the KRPC is lost or stolen, or if you believe think that someone has transferred may have used your KRPC or may transfer funds from your Card Account without your permission. Telephoning is the best way to minimize your possible losses. You could lose all the money in your account. If you believe your Card has been lost or stolen, or that someone has transferred or may transfer funds from your Card KRPC Account without your permission, call: you agree to notify us immediately by calling (▇▇▇-) ▇▇▇-▇▇▇▇ or write: ▇▇▇▇▇▇▇ Federal Credit Unionby writing to Kwik Trip, PO BOX 7001 BiloxiInc., MS 39534P.O. Box 1597, La Crosse, Wisconsin 54602-1597. Under Visa U.S.A. Inc. Operating RegulationsAfter you have notified us, if the KRPC that you thought was lost or stolen is subsequently found or returned, do not attempt to use your liability KRPC; cut it in half and return it to us immediately. You will not be liable for unauthorized Visa debit transactions on your Card Account is $0.00 if you are not negligent or fraudulent in the handling use of your Card. This reduced liability does not apply to certain commercial card transactionsKRPC Account that occurs after you notify us of the loss, transactions not processed by Visatheft, or to ATM transactions outside the U.S. You must notify us immediately of any possible unauthorized use. In the event the Visa Zero Liability Rules do any case, your liability will not apply, if exceed $50 for unauthorized charges Incurred prior to notification If you notify us within two (2) business days after learning of you learn your card has been lost or stolen. 11 you do not tell us within two business days alter you learn your KRPC has been lost or stolen, and· we are able to establish the loss or theft of fact that we would have prevented your CardKRPC from being used without your perm1ss1on, you can lose no more than may be liable for up to $50 500 to unauthorized charges. Finally, if someone used your Card without account statement from your permissionDepository shows unauthorized transactions from your KRPC Account, you must notify us immediately. If you do not notify us within two (2) business 60 days after the statement mail date, you learn may be liable for the full amount of unauthorized transactions that occur after the close of the loss or theft of your Card, and 60 days provided that we can prove establish the fact that we could would have stopped someone your KRPC from using your Card being used without your permission if had you had promptly notified us, you could lose as much as $500made us aware during the 60-day period. We reserve the right to investigate any claim you may make with respect to a lost or stolen Card, and you You agree to cooperate with such investigation. We may ask you for a written statementassist us in determining the facts relating to any loss, affidavittheft, or other information in support unauthorized use of the claim. Also, if you become aware of and/or your account history shows transactions that you did not make, including those made by Card, code, KRPC or other means, notify us at once following KRPC Account and to comply with the procedures stated in the section labeled "Information About Your Right to Dispute Errors." If you do not tell us within sixty (60) days after the earlier of the date you electronically access your account, if the transaction could be viewed in your electronic history, or the date we sent the FIRST written history on which the transfer appeared, you may not get back any money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time and you were 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. If your Card has been lost or stolen, we will close your Card Account to minimize the risk of further loss and reissue you a new card may require for a fee (see the section labeled “Fees and Other Information”)our investigation.

Your Liability for Unauthorized Use. Contact If your statement show s unauthorized transfers, tell us AT ONCE if you believe your Card has been lost or stolen, or if you believe that someone has transferred or may transfer funds from your Card Account without your permissionONCE. Telephoning is the best way to minimize your possible losses. You could lose all the money in your account. If you believe your Card has been lost or stolen, or that someone has transferred or may transfer funds from your Card Account without your permission, call: ▇▇▇-▇▇▇-▇▇▇▇ or write: ▇▇▇▇▇▇▇ Federal Credit Union, PO BOX 7001 Biloxi, MS 39534. Under Visa U.S.A. Inc. Operating Regulations, 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 ATM transactions outside the U.S. 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 days after learning of the loss or theft of your Card, you can lose no more than $50 if someone 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 someone from using your Card without your permission if you had promptly notified us, you could lose as much as $500. We reserve the right to investigate any claim you may make with respect to a lost or stolen Card, and you agree to cooperate with such investigation. We may ask you for a written statement, affidavit, or other information in support of the claim. Also, if you become aware of and/or your account history shows transactions that you did not make, including those made by Card, code, or other means, notify us at once following the procedures stated in the section labeled "Information About Your Right to Dispute Errors." If you do not tell us within sixty (60) w ithin 60 days after the earlier of the date you electronically access your account, if the transaction could be viewed in your electronic history, or the date we sent the FIRST written history on which the transfer appearedstatement w as mailed to you, you may not get back any money you lost after the sixty (60) 60 days if we w e can prove that we w e could have stopped someone from taking the money if you had told us in time and you were grossly negligent or fraudulent in the handling of your Cardtime. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will w e w ill extend the time periodsperiod. If you believe your Card card or PIN has been lost or stolenstolen or that someone has transferred or may transfer funds from y our account w ithout your permission, we will close call the number below , or w rite to: Team One Credit Union, Attn: Plastics Department, ▇▇ ▇▇▇ ▇▇▇▇, ▇▇▇▇▇▇▇ , ▇▇ ▇▇▇▇▇. If you notify us of the loss, theft, or unauthorized use of your Card Account or other devices w hich w e supply to minimize you, you w ill not be liable for any unauthorized use for purchases processed though Visa/Plus provided you w ere not grossly negligent or fraudulent in handling you r Card and you provide us w ith ▇ ▇ ▇▇▇▇▇▇ statement regarding your unauthorized Card claim, otherw ise the risk liability limits set forth w ill apply. $500. Any person, w ho is permitted by you, either by express or implied permission, to use your card w ould be able to w ithdraw all of further loss the money in your account. We refer to such persons as authorized users, and reissue you a new card agree that all authorized users may w ithdraw funds fro m your accounts w ith your card. You agree that you w ill not use your account, or any devices that access your account, in any illegal manner, and/or for a fee (see the section labeled “Fees and Other Information”)any illegal purpose, including, but not limited to illegal internet gambling.

Your Liability for Unauthorized Use. Contact us AT ONCE if You may have to bear the loss of money taken from any of your deposit accounts in any transfer of funds, payment or series of related transfers of funds, payments or transfers of funds and payments ordered through NetTeller Online Banking by an order or orders initiated by the use of any of your identification numbers without your authorization. How much of the loss you believe will have to bear will depend on when we are notified that any of your Card identification numbers has been lost or stolen, stolen or if you believe that someone there are circumstances indicating that a transfer of funds or payment involving any of your deposit accounts ordered through NetTeller Online Banking has transferred been or may transfer funds from be initiated by the use of any of your Card Account identification numbers without your permission. Telephoning is the best way to minimize your possible losses. You could lose all the money in your accountauthorization. If you believe your Card has been lost or stolen, or that someone has transferred or may transfer funds from your Card Account without your permission, call: ▇▇▇-▇▇▇-▇▇▇▇ or write: ▇▇▇▇▇▇▇ Federal Credit Union, PO BOX 7001 Biloxi, MS 39534. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions on your Card Account is $0.00 if you we 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 ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. In the event the Visa Zero Liability Rules do not apply, if you notify us notified within two (2) of our business days after learning of the loss or theft of your Card, you can lose no more than $50 if someone used your Card without your permission. If you do not notify us within two (2) business days after date you learn of the loss loss, theft or theft possible unauthorized transfer or payment, you will have to bear (subject to limitations under federal law) as much as $50 of your Card, the loss. If we are not notified within those two business days and we can prove show that we could have stopped someone from using your Card without your permission if you the taking of the money had promptly we been notified usduring those two business days, you could lose will have to bear (subject to limitations under federal law) as much as $500. We reserve the right to investigate any claim you may make with respect to a lost or stolen Card, and you agree to cooperate with such investigation. We may ask you for a written statement, affidavit, or other information in support 500 of the claimloss. AlsoIn addition to any loss you must bear under the two preceding sentences, if any statement for any of your deposit accounts that we send you become aware or otherwise make available to you shows any transfer of and/or funds or payment involving any of your account history shows transactions that you did deposit accounts ordered through NetTeller Online Banking by an order initiated by the use of any of your identification numbers without your authorization, we are not make, including those made by Card, code, notified of the unauthorized transfer or other means, notify us at once following the procedures stated in the section labeled "Information About Your Right to Dispute Errors." If you do not tell us payment within sixty (60) 60 days after the earlier of the date you electronically access your account, if the transaction could be viewed in your electronic history, or the date we sent send you the FIRST written history on which the transfer appeared, statement or otherwise make it available to you may not get back any money you lost after the sixty (60) days if and we can prove show that we could have stopped someone from the taking of the money if had we been notified of the unauthorized transfer or payment during those 60 days, you had told us in time will have to bear (subject to limitations under federal law) all of the loss occurring after the end of those 60 days and you were grossly negligent before we are notified of the unauthorized transfer or fraudulent in the handling of your Cardpayment. If For a good reason (such as a long trip or a hospital stay) kept you from telling usstay by you), we will extend the time periods. If your Card has been lost or stolen, we will close your Card Account periods of two of our business days and 60 days referred to minimize the risk of further loss and reissue you a new card in this section for a fee (see the section labeled “Fees and Other Information”)reasonable time.

Your Liability for Unauthorized Use. Contact us AT ONCE if You may have to bear the loss of money taken from any of your deposit accounts in any transfer of funds, payment or series of related transfers of funds, payments or transfers of funds and payments ordered through NetTeller Online Banking by an order or orders initiated by the use of your identification number without your authorization. How much of the loss you believe will have to bear will depend on when we are notified that your Card identification number has been lost or stolen, stolen or if you believe that someone there are circumstances indicating that a transfer of funds or payment involving any of your deposit accounts ordered through NetTeller Online Banking has transferred been or may transfer funds from be initiated by the use of your Card Account identification number without your permission. Telephoning is the best way to minimize your possible losses. You could lose all the money in your accountauthorization. If you believe your Card has been lost or stolen, or that someone has transferred or may transfer funds from your Card Account without your permission, call: ▇▇▇-▇▇▇-▇▇▇▇ or write: ▇▇▇▇▇▇▇ Federal Credit Union, PO BOX 7001 Biloxi, MS 39534. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions on your Card Account is $0.00 if you we 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 ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. In the event the Visa Zero Liability Rules do not apply, if you notify us notified within two (2) of our business days after learning of the loss or theft of your Card, you can lose no more than $50 if someone used your Card without your permission. If you do not notify us within two (2) business days after date you learn of the loss loss, theft or theft possible unauthorized transfer or payment, you will have to bear (subject to limitations under federal law) as much as $50 of your Card, the loss. If we are not notified within those two business days and we can prove show that we could have stopped someone from using your Card without your permission if you the taking of the money had promptly we been notified usduring those two business days, you could lose will have to bear (subject to limitations under federal law) as much as $500. We reserve the right to investigate any claim you may make with respect to a lost or stolen Card, and you agree to cooperate with such investigation. We may ask you for a written statement, affidavit, or other information in support 500 of the claimloss. AlsoIn addition to any loss you must bear under the two preceding sentences, if any statement for any of your deposit accounts that we send you become aware or otherwise make available to you shows any transfer of and/or funds or payment involving any of your account history shows transactions that you did deposit accounts ordered through NetTeller Online Banking by an order initiated by the use of your identification number without your authorization, we are not make, including those made by Card, code, notified of the unauthorized transfer or other means, notify us at once following the procedures stated in the section labeled "Information About Your Right to Dispute Errors." If you do not tell us payment within sixty (60) 60 days after the earlier of the date you electronically access your account, if the transaction could be viewed in your electronic history, or the date we sent send you the FIRST written history on which the transfer appeared, statement or otherwise make it available to you may not get back any money you lost after the sixty (60) days if and we can prove show that we could have stopped someone from the taking of the money if had we been notified of the unauthorized transfer or payment during those 60 days, you had told us in time will have to bear (subject to limitations under federal law) all of the loss occurring after the end of those 60 days and you were grossly negligent before we are notified of the unauthorized transfer or fraudulent in the handling of your Cardpayment. If For a good reason (such as a long trip or a hospital stay) kept you from telling usstay by you), we will extend the time periods. If your Card has been lost or stolen, we will close your Card Account periods of two of our business days and 60 days referred to minimize the risk of further loss and reissue you a new card in this section for a fee (see the section labeled “Fees and Other Information”)reasonable time.

Your Liability for Unauthorized Use. Contact us AT ONCE if you believe your Card has been lost or stolen, or if you believe that someone has transferred or may transfer funds from your Card Account without your permission. Telephoning is the best way to minimize your possible losses. You could lose all the money in your account. If you believe your Card has been lost or stolen, or that someone has transferred or may transfer funds from your Card Account without your permission, call: ▇-▇▇▇-▇▇▇-▇▇▇▇ or write: ▇▇▇▇▇▇▇ Federal Credit UnionCardholder Services, Inc. PO BOX 7001 BiloxiBox 7235 Sioux Falls, MS 39534SD 57117-7235. Under Visa U.S.A. Inc. Operating Regulations, 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 ATM transactions outside the U.S. 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 days after learning of the loss or theft of your Card, you can lose no more than $50 if someone 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 someone from using your Card without your permission if you had promptly notified us, you could lose as much as $500. We reserve the right to investigate any claim you may make with respect to a lost or stolen Card, and you agree to cooperate with such investigation. We may ask you for a written statement, affidavit, or other information in support of the claim. Also, if you become aware of and/or your account history shows transactions that you did not make, including those made by Card, code, or other means, notify us at once following the procedures stated in the section labeled "Information About Your Right to Dispute Errors." If you do not tell us within sixty (60) days after the earlier of the date you electronically access your account, if the transaction could be viewed in your electronic history, or the date we sent the FIRST written history on which the transfer appeared, you may not get back any money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time and you were 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. If your Card has been lost or stolen, we will close your Card Account to minimize the risk of further loss and reissue you a new card for a fee (see the section labeled “Fees and Other Information”).

Your Liability for Unauthorized Use. Contact us AT ONCE if you believe your Card has been lost or stolen, or if you believe that someone has transferred or may transfer funds from your Card Account without your permission. Telephoning is the best way to minimize your possible losses. You could lose all the money in your account. If you believe your Card has been lost or stolen, or that someone has transferred or may transfer funds from your Card Account without your permission, call: ▇▇▇-.▇▇▇-.▇▇▇▇ or write: ▇▇▇▇▇▇▇ Federal Credit UnionCardholder Services P.O. Box 550578 Ft. Lauderdale, PO BOX 7001 Biloxi, MS 39534FL 33355. Under Visa U.S.A. Inc. Operating Regulations, 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 ATM transactions outside the U.S. 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 days after learning of the loss or theft of your Card, you can lose no more than $50 if someone used your Card without your permission. If you do not notify us within two (2) 60 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 $500. We reserve the right to investigate any claim you may make with respect to a lost or stolen Card, and you agree to cooperate with such investigation. We may ask you for a written statement, affidavit, or other information in support of the claim. Also, if you become aware of and/or your account history shows transactions that you did not make, including those made by Card, code, or other means, notify us at once following the procedures stated in the section labeled "Information About Your Right to Dispute Errors." If you do not tell us within sixty (60) 60 days after the earlier of the date you electronically access your account, if the transaction could be viewed in your electronic history, or the date we sent the FIRST written history on which the transfer appeared, you may not get back any money you lost after the sixty (60) 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time and you were 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. If your Card has been lost or stolen, we will close your Card Account to minimize the risk of further loss and reissue you a new card for a fee (see the section labeled “Fees and Other Information”).

Your Liability for Unauthorized Use. Contact us AT ONCE if you believe your Card has been lost or stolen, or if you believe that someone has transferred or may transfer funds from your Card Account without your permission. Telephoning is the best way to minimize your possible losses. You could lose all the money in your account. If you believe your Card has been lost or stolen, or that someone has transferred or may transfer funds from your Card Account without your permission, call: (855) ▇▇▇-▇▇▇-▇▇▇▇ or write: - ▇▇▇▇▇▇▇ Federal Credit Union, PO BOX 7001 Biloxi, MS 39534. Under Visa U.S.A. Inc. Operating Regulations, 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 ATM transactions outside the U.S. 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 days after learning of the loss or theft of your Card, you can lose no more than $50 if someone 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 someone from using your Card without your permission if you had promptly notified us, you could lose as much as $500. We reserve the right to investigate any claim you may make with respect to a lost or stolen Card, and you agree to cooperate with such investigation. We may ask you for a written statement, affidavit, or other information in support of the claim. Also, if you become aware of and/or your account history shows transactions that you did not make, including those made by Card, code, or other means, notify us at once following the procedures stated in the section labeled "Information About Your Right to Dispute Errors." If you do not tell us within sixty (60) days after the earlier of the date you electronically access your account, if the transaction could be viewed in your electronic history, or the date we sent the FIRST written history on which the transfer appeared, you may not get back any money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time and you were 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. If your Card has been lost or stolen, we will close your Card Account to minimize the risk of further loss and reissue you a new card for a fee (see the section labeled “Fees and Other Information”)card.

Your Liability for Unauthorized Use. Contact us AT ONCE if you believe your Card has been lost or stolen, or if you believe that someone has transferred or may transfer funds from your Card Account without your permission. Telephoning is the best way to minimize your possible losses. You could lose all the money in your account. If you believe your Card has been lost or stolen, or that someone has transferred or may transfer funds from your Card Account without your permission, call: ▇▇▇-▇▇▇-▇▇▇▇ or write: ▇▇▇▇▇▇▇ Federal Credit UnionCardholder Services P.O. Box 7235, PO BOX 7001 BiloxiSioux Falls, MS 39534SD 57117-7235. Under Visa U.S.A. Inc. Mastercard International Operating Regulations, your liability for unauthorized Visa Mastercard 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 VisaMastercard, or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. In the event the Visa Mastercard Zero Liability Rules do not apply, if you notify us within two (2) business days after learning of the loss or theft of your Card, you can lose no more than $50 if someone 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 someone from using your Card without your permission if you had promptly notified us, you could lose as much as $500. We reserve the right to investigate any claim you may make with respect to a lost or stolen Card, and you agree to cooperate with such investigation. We may ask you for a written statement, affidavit, or other information in support of the claim. Also, if you become aware of and/or your account history shows transactions that you did not make, including those made by Card, code, or other means, notify us at once following the procedures stated in the section labeled "Information About Your Right to Dispute Errors." If you do not tell us within sixty (60) days after the earlier of the date you electronically access your account, if the transaction could be viewed in your electronic history, or the date we sent the FIRST written history on which the transfer appeared, you may not get back any money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time and you were 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. If your Card has been lost or stolen, we will close your Card Account to minimize the risk of further loss and reissue you a new card for a fee (see the section labeled “Fees and Other Information”).

Your Liability for Unauthorized Use. Contact us AT ONCE if you believe your Card has been lost or stolen, or if you believe that someone has transferred or may transfer funds from your Card Account without your permission. Telephoning is the best way to minimize your possible losses. You could lose all the money in your account. If you believe your Card has been lost or stolen, or that someone has transferred or may transfer funds from your Card Account without your permission, call: ▇▇▇-▇▇▇-▇▇▇▇ or write: ▇▇▇▇▇▇▇ Federal Credit UnionCardholder Services, PO BOX 7001 BiloxiP.O Box 550578, MS 39534Ft. Lauderdale, FL 33355. Under Visa U.S.A. Inc. Operating Regulations, 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 ATM transactions outside the U.S. 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 days after learning of the loss or theft of your Card, you can lose no more than $50 if someone 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 someone from using your Card without your permission if you had promptly notified us, you could lose as much as $500. We reserve the right to investigate any claim you may make with respect to a lost or stolen Card, and you agree to cooperate with such investigation. We may ask you for a written statement, affidavit, or other information in support of the claim. Also, if you become aware of and/or your account history shows transactions that you did not make, including those made by Card, code, or other means, notify us at once following the procedures stated in the section labeled "Information About Your Right to Dispute Errors." If you do not tell us within sixty (60) days after the earlier of the date you electronically access your account, if the transaction could be viewed in your electronic history, or the date we sent the FIRST written history on which the transfer appeared, you may not get back any money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time and you were 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. If your Card has been lost or stolen, we will close your Card Account to minimize the risk of further loss and reissue you a new card for a fee (see the section labeled “Fees and Other Information”).

Your Liability for Unauthorized Use. Contact If your statement shows unauthorized transfers, tell us AT ONCE if you believe your Card has been lost or stolen, or if you believe that someone has transferred or may transfer funds from your Card Account without your permissionONCE. Telephoning is the best way to minimize your possible losses. You could lose all the money in your account. If you believe your Card has been lost or stolen, or that someone has transferred or may transfer funds from your Card Account without your permission, call: ▇▇▇-▇▇▇-▇▇▇▇ or write: ▇▇▇▇▇▇▇ Federal Credit Union, PO BOX 7001 Biloxi, MS 39534. Under Visa U.S.A. Inc. Operating Regulations, 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 ATM transactions outside the U.S. 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 days after learning of the loss or theft of your Card, you can lose no more than $50 if someone 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 someone from using your Card without your permission if you had promptly notified us, you could lose as much as $500. We reserve the right to investigate any claim you may make with respect to a lost or stolen Card, and you agree to cooperate with such investigation. We may ask you for a written statement, affidavit, or other information in support of the claim. Also, if you become aware of and/or your account history shows transactions that you did not make, including those made by Card, code, or other means, notify us at once following the procedures stated in the section labeled "Information About Your Right to Dispute Errors." If you do not tell us within sixty (60) 60 days after the earlier of the date you electronically access your account, if the transaction could be viewed in your electronic history, or the date we sent the FIRST written history on which the transfer appearedstatement was mailed to you, you may not get back any money you lost after the sixty (60) 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time and you were grossly negligent or fraudulent in the handling of your Cardtime. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periodsperiod. If you believe your Card card or PIN has been lost or stolenstolen or that someone has transferred or may transfer funds from your account without your permission, we will close call the number below, or write to: Team One Credit Union, Attn: Card Services, ▇▇ ▇▇▇ ▇▇▇▇, ▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇. If you notify us of the loss, theft, or unauthorized use of your Card Account or other devices which we supply to minimize you, you will not be liable for any unauthorized use for purchases processed though Visa/Plus provided you were not grossly negligent or fraudulent in handling your Card and you provide us with a written statement regarding your unauthorized Card claim, otherwise the risk liability limits set forth will apply. For ATM and PIN transactions not processed through VISA/Plus, you can lose no more than $50 if someone accessed your account without your permission. If you don’t tell us within two (2) business days after you learned of further loss the unauthorized use, and reissue we can prove that we could have stopped someone from accessing your account without your permission if you a new had told us, you could lose as much as $500. Any person, who is permitted by you, either by express or implied permission, to use your card would be able to withdraw all of the money in your account. We refer to such persons as authorized users, and you agree that all authorized users may withdraw funds from your accounts with your card. You agree that you will not use your account, or any devices that access your account, in any illegal manner, and/or for a fee (see the section labeled “Fees and Other Information”)any illegal purpose, including, but not limited to illegal internet gambling.

Your Liability for Unauthorized Use. Contact us AT ONCE if you believe your Card has been lost or stolen, or if you believe that someone has transferred or may transfer funds from your Card Account without your permission. Telephoning is the best way to minimize your possible losses. You could lose all the money in your account. If you believe your Card has been lost or stolen, or that someone has transferred or may transfer funds from your Card Account without your permission, call: ▇▇▇-▇▇▇-▇▇▇▇ or write: ▇▇▇▇▇▇▇ Federal Credit UnionCardholder Services P.O. Box 7235 Sioux Falls, PO BOX 7001 Biloxi, MS 39534SD 57117-7235. Under Visa U.S.A. Inc. Operating Regulations, 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 ATM transactions outside the U.S. 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 days after learning of the loss or theft of your Card, you can lose no more than $50 if someone 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 someone from using your Card without your permission if you had promptly notified us, you could lose as much as $500. We reserve the right to investigate any claim you may make with respect to a lost or stolen Card, and you agree to cooperate with such investigation. We may ask you for a written statement, affidavit, or other information in support of the claim. Also, if you become aware of and/or your account history shows transactions that you did not make, including those made by Card, code, or other means, notify us at once following the procedures stated in the section labeled "Information About Your Right to Dispute Errors." If you do not tell us within sixty (60) days after the earlier of the date you electronically access your account, if the transaction could be viewed in your electronic history, or the date we sent the FIRST written history on which the transfer appeared, you may not get back any money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time and you were 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. If your Card has been lost or stolen, we will close your Card Account to minimize the risk of further loss and reissue you a new card for a fee (see the section labeled “Fees and Other Information”).

Your Liability for Unauthorized Use. Contact General Rules Tell us AT ONCE if you believe your Card that an EFT access device has been lost lost, stolen or stolenotherwise made available to an unauthorized person, or if you believe that someone has transferred or may transfer funds from money out of your Card Account accounts without your permission. See HOW TO CONTACT US at the end of this disclosure and in the Handbook. Telephoning is the best way to minimize your possible losses. You could lose all the money in your account. If you believe your Card has been lost or stolen, or that someone has transferred or may transfer accounts plus funds from your Card Account without your permission, call: ▇▇▇-▇▇▇-▇▇▇▇ or write: ▇▇▇▇▇▇▇ Federal Credit Union, PO BOX 7001 Biloxi, MS 39534. Under Visa U.S.A. Inc. Operating Regulations, your liability available for unauthorized Visa debit transactions on your Card Account is $0.00 overdraft protection 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 ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. In the event the Visa Zero Liability Rules do not apply, if tell us in time. SafeAmerica Credit Union Electronic Fund Transfer Agreement and Disclosure VISA® Debit Card If you notify us of the actual or possible loss, theft or other unauthorized access to your device(s) within two (2) TWO business days after learning you learn of the loss loss, theft or theft of your Cardother unauthorized access, you can lose no more than $50 if someone the device was used your Card without your permission. If However, if you do not notify DO NOT tell us within two (2) business days after you learn of the loss or theft of your Carddays, and we can prove that we could have stopped someone from using your Card without your permission if you had promptly notified usthe unauthorized use, you could lose as much as up to $500. We reserve the right to investigate any claim you may make with respect to a lost or stolen Card, and you agree to cooperate with such investigation. We may ask you for a written statement, affidavit, or other information in support of the claim. Also, if you become aware of and/or If your account history STATEMENT shows transactions that you did not make, including those made by Card, code, or other meansunauthorized transactions, notify us at once following the procedures stated in the section labeled "Information About Your Right to Dispute Errors." AT ONCE. If you do not tell us within sixty (60) SIXTY days after we mailed the earlier of the date statement or notified you electronically access your accountthat it was available for electronic pick-up, if the transaction could be viewed in your electronic history, or the date we sent the FIRST written history on which the transfer appeared, you may are not get back obligated to return any money you lost after the sixty (60) days days, if we can prove that we could have stopped someone from taking the money if you had told us in time and time. This means that you were grossly negligent or fraudulent can lose all the money in your account plus the handling of your Cardmaximum funds available to you for overdraft protection. If a good reason (reason, such as a long trip or a hospital stay) , kept you from telling us, we will may extend the time periods. If your Card has been lost or stolen, we will close your Card Account to minimize the risk of further loss and reissue you a new card for a fee (see the section labeled “Fees and Other Information”).

Your Liability for Unauthorized Use. Contact us AT ONCE if You may have to bear the loss of money taken from any of your deposit accounts in any transfer of funds, payment or series of related transfers of funds, payments or transfers of funds and payments ordered through Online Banking by an order or orders initiated by the use of your identification number without your authorization. How much of the loss you believe will have to bear will depend on when we are notified that your Card identification number has been lost or stolen, stolen or if you believe that someone there are circumstances indicating that a transfer of funds or payment involving any of your deposit accounts ordered through Online Banking has transferred been or may transfer funds from be initiated by the use of your Card Account identification number without your permission. Telephoning is the best way to minimize your possible losses. You could lose all the money in your accountauthorization. If you believe your Card has been lost or stolen, or that someone has transferred or may transfer funds from your Card Account without your permission, call: ▇▇▇-▇▇▇-▇▇▇▇ or write: ▇▇▇▇▇▇▇ Federal Credit Union, PO BOX 7001 Biloxi, MS 39534. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions on your Card Account is $0.00 if you we 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 ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. In the event the Visa Zero Liability Rules do not apply, if you notify us notified within two (2) of our business days after learning of the loss or theft of your Card, you can lose no more than $50 if someone used your Card without your permission. If you do not notify us within two (2) business days after date you learn of the loss loss, theft or theft possible unauthorized transfer or payment, you will have to bear (subject to limitations under federal law) as much as $50 of your Card, the loss. If we are not notified within those two business days and we can prove show that we could have stopped someone from using your Card without your permission if you the taking of the money had promptly we been notified usduring those two business days, you could lose will have to bear (subject to limitations under federal law) as much as $500. We reserve the right to investigate any claim you may make with respect to a lost or stolen Card, and you agree to cooperate with such investigation. We may ask you for a written statement, affidavit, or other information in support 500 of the claimloss. AlsoIn addition to any loss you must bear under the two preceding sentences, if any statement for any of your deposit accounts that we send you become aware or otherwise make available to you shows any transfer of and/or funds or payment involving any of your account history shows transactions that you did deposit accounts ordered through Online Banking by an order initiated by the use of your identification number without your authorization, we are not make, including those made by Card, code, notified of the unauthorized transfer or other means, notify us at once following the procedures stated in the section labeled "Information About Your Right to Dispute Errors." If you do not tell us payment within sixty (60) 60 days after the earlier of the date you electronically access your account, if the transaction could be viewed in your electronic history, or the date we sent send you the FIRST written history on which the transfer appeared, statement or otherwise make it available to you may not get back any money you lost after the sixty (60) days if and we can prove show that we could have stopped someone from the taking of the money if had we been notified of the unauthorized transfer or payment during those 60 days, you had told us in time will have to bear (subject to limitations under federal law) all of the loss occurring after the end of those 60 days and you were grossly negligent before we are notified of the unauthorized transfer or fraudulent in the handling of your Cardpayment. If For a good reason (such as a long trip or a hospital stay) kept you from telling usstay by you), we will extend the time periods. If your Card has been lost or stolen, we will close your Card Account periods of two of our business days and 60 days referred to minimize the risk of further loss and reissue you a new card in this section for a fee (see the section labeled “Fees and Other Information”)reasonable time.

Your Liability for Unauthorized Use. Contact us AT ONCE if you believe your Card has been lost or stolen, or if you believe that someone has transferred or may transfer funds from your Card Account without your permission. Telephoning is the best way to minimize your possible losses. You could lose all the money in your account. If you believe your Card has been lost or stolen, or that someone has transferred or may transfer funds from your Card Account without your permission, call: (▇▇▇-) ▇▇▇-▇▇▇▇ or write: ▇▇▇▇▇▇▇ Federal Credit UnionCardholder Services PO Box 7235 Sioux Falls, PO BOX 7001 Biloxi, MS 39534SD 57117-7235. Under Visa U.S.A. Inc. Operating Regulations, 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 ATM transactions outside the U.S. 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 days after learning of the loss or theft of your Card, you can lose no more than $50 if someone 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 someone from using your Card without your permission if you had promptly notified us, you could lose as much as $500. We reserve the right to investigate any claim you may make with respect to a lost or stolen Card, and you agree to cooperate with such investigation. We may ask you for a written statement, affidavit, or other information in support of the claim. Also, if you become aware of and/or your account history shows transactions that you did not make, including those made by Card, code, or other means, notify us at once following the procedures stated in the section labeled "Information About Your Right to Dispute Errors." If you do not tell us within sixty (60) days after the earlier of the date you electronically access your account, if the transaction could be viewed in your electronic history, or the date we sent the FIRST written history on which the transfer appeared, you may not get back any money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time and you were 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. If your Card has been lost or stolen, we will close your Card Account to minimize the risk of further loss and reissue you a new card for a fee (see the section labeled “Fees and Other Information”).

Your Liability for Unauthorized Use. Contact us AT ONCE if You may have to bear the loss of money taken from any of your deposit accounts in any transfer of funds or payment or series of related transfers of funds, payments or transfers of funds and payments ordered through LNB Online Banking by an order or orders initiated by the use of your access code without your authorization. How much of the loss you believe will have to bear will depend on when we are notified that your Card access code has been lost or stolen, stolen or if you believe that someone there are circumstances indicating that a transfer of funds or payment involving any of your deposit accounts ordered through LNB Online Banking has transferred been or may transfer funds from be initiated by the use of your Card Account access code without your permission. Telephoning is the best way to minimize your possible losses. You could lose all the money in your accountauthorization. If you believe your Card has been lost or stolen, or that someone has transferred or may transfer funds from your Card Account without your permission, call: ▇▇▇-▇▇▇-▇▇▇▇ or write: ▇▇▇▇▇▇▇ Federal Credit Union, PO BOX 7001 Biloxi, MS 39534. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions on your Card Account is $0.00 if you we 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 ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. In the event the Visa Zero Liability Rules do not apply, if you notify us notified within two (2) of our business days after learning of the loss or theft of your Card, you can lose no more than $50 if someone used your Card without your permission. If you do not notify us within two (2) business days after date you learn of the loss loss, theft or theft possible unauthorized transfer or payment, you will have to bear (subject to limitations under federal law) as much as $50 of your Card, the loss. If we are not notified within those two business days and we can prove show that we could have stopped someone from using your Card without your permission if you the taking of the money had promptly we been notified usduring those two business days, you could lose will have to bear (subject to limitations under federal law) as much as $500. We reserve the right to investigate any claim you may make with respect to a lost or stolen Card, and you agree to cooperate with such investigation. We may ask you for a written statement, affidavit, or other information in support 500 of the claimloss. AlsoIn addition to any loss you must bear under the two preceding sentences, if any statement for any of your deposit accounts that we send you become aware or otherwise make available to you shows any transfer of and/or funds or payment involving any of your account history shows transactions that you did deposit accounts ordered through LNB Online Banking by an order initiated by the use of your access code without your authorization, we are not make, including those made by Card, code, notified of the unauthorized transfer or other means, notify us at once following the procedures stated in the section labeled "Information About Your Right to Dispute Errors." If you do not tell us payment within sixty (60) 60 days after the earlier of the date you electronically access your account, if the transaction could be viewed in your electronic history, or the date we sent send you the FIRST written history on which the transfer appeared, statement or otherwise make it available to you may not get back any money you lost after the sixty (60) days if and we can prove show that we could have stopped someone from the taking of the money if had we been notified of the unauthorized transfer or payment during those 60 days, you had told us in time will have to bear (subject to limitations under federal law) all of the loss occurring after the end of those 60 days and you were grossly negligent before we are notified of the unauthorized transfer or fraudulent in the handling of your Cardpayment. If For a good reason (such as a long trip or a hospital stay) kept you from telling usstay by you), we will extend the time periods. If your Card has been lost or stolen, we will close your Card Account periods of two of our business days and 60 days referred to minimize the risk of further loss and reissue you a new card in this section for a fee (see the section labeled “Fees and Other Information”)reasonable time.