Common use of FINANCIAL INSTITUTION’S LIABILITY Clause in Contracts

FINANCIAL INSTITUTION’S LIABILITY. If we do not complete an electronic fund transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. There are some exceptions, however. We will not be liable, for instance, if: • Through no fault of ours, you do not have enough available funds in your account to make the transfer; • The transfer would go over the credit limit on your overdraft line; • Circumstances beyond our control (such as fire, flood, water damage, power failure, strike, labor dispute, computer breakdown, pandemic, telephone line disruption or a natural disaster) or a rolling blackout prevent or delay the transfer despite reasonable precautions taken by us; • If the ATM where you are making the transfer does not have enough cash; • The system was not working properly and you knew about the problem when you started the transaction; • The funds in your account are subject to legal process, an uncollected funds hold or are otherwise not available for withdrawal; • The information supplied by you or a third party is incorrect, incomplete, ambiguous or untimely; • The transaction cannot be completed because your debit card is damaged; or • We have reason to believe the transaction may not be authorized by you. There may be other exceptions stated in our agreement with you. Consumer Liability Tell us AT ONCE if you believe your card, PIN, or code has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission (e.g., using information from your check). Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within 2 Business Days after you learn of the loss or theft of your card, PIN, or code you can lose no more than $50 if someone used your card, PIN, or code 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 code and we can prove we could have stopped someone from using your card, PIN, or code without your permission if you had told us, you could lose as much as $500. Also, if your statement shows transfers that you did not make, including those made using your card, PIN or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed or otherwise 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.

FINANCIAL INSTITUTION’S LIABILITY. If we do not complete an electronic fund a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. There However, there are some exceptions, however. We will not be liable, for instance:  If, if: • Through through no fault of ours, you do not have enough available funds money in your account to make the transfer; • The .  If the transfer would go over the credit limit on your overdraft line; • Circumstances .  If circumstances beyond our control (such as firefire or flood) prevent the transfer, flood, water damage, power failure, strike, labor dispute, computer breakdown, pandemic, telephone line disruption or a natural disaster) or a rolling blackout prevent or delay the transfer despite reasonable precautions taken by us; • If the ATM where you are making the transfer does not that we have enough cash; • The system was not working properly and you knew about the problem when you started the transaction; • The funds in your account are subject to legal process, an uncollected funds hold or are otherwise not available for withdrawal; • The information supplied by you or a third party is incorrect, incomplete, ambiguous or untimely; • The transaction cannot be completed because your debit card is damaged; or • We have reason to believe the transaction may not be authorized by youtaken.  There may be other exceptions stated in our agreement with you. Consumer Liability Your liability for unauthorized EFTs. Tell us AT ONCE at once if you believe your carduser name, PINpassword, or code Device has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission (e.g., using information from your check). Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within 2 Business Days two (2) business days after you learn of the loss or theft of your carduser name, PINpassword, or code Device, you can lose no more than $50 if someone used your carduser name, PIN, password or code Device without your permission. If you do NOT tell us within 2 Business Days two (2) business days after you learn of the loss or theft of your carduser name, PINpassword or Device, or code and we can prove we could have stopped someone from using your carduser name, PIN, password or code Device without your permission if you had told us, you could lose as much as s $500. Also, if If your statement shows transfers that you did not make, including those made using your card, PIN or other meansby mobile banking, tell us at once. If you do not tell us within 60 sixty (60) days after the statement was mailed or otherwise made available to you, you may not get back any money you lost after the 60 sixty (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 may extend the time periodsperiod.

FINANCIAL INSTITUTION’S LIABILITY. If we do not complete an electronic fund a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. There However, there are some exceptions, however. We will not be liable, for instance, if: • Through If, through no fault of ours, you do not have enough available funds money in your account to make the transfer; . • The If the transfer would go over the credit limit on your overdraft line; . • Circumstances If circumstances beyond our control (such as firefire or flood) prevent the transfer, flood, water damage, power failure, strike, labor dispute, computer breakdown, pandemic, telephone line disruption or a natural disaster) or a rolling blackout prevent or delay the transfer despite reasonable precautions taken by us; that we have taken. • If the ATM where you are making the transfer does not have enough cash; • The system was not working properly and you knew about the problem when you started the transaction; • The funds in your account are subject to legal process, an uncollected funds hold or are otherwise not available for withdrawal; • The information supplied by you or a third party is incorrect, incomplete, ambiguous or untimely; • The transaction cannot be completed because your debit card is damaged; or • We have reason to believe the transaction may not be authorized by you. There may be other exceptions stated in our agreement with you. Consumer Liability Your liability for unauthorized EFTs. Tell us AT ONCE at once if you believe your carduser name, PINpassword, or code Device has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission (e.g., using information from your check). Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within 2 Business Days two (2) business days after you learn of the loss or theft of your carduser name, PINpassword, or code Device, you can lose no more than $50 if someone used your carduser name, PIN, password or code Device without your permission. If you do NOT tell us within 2 Business Days two (2) business days after you learn of the loss or theft of your carduser name, PINpassword or Device, or code and we can prove we could have stopped someone from using your carduser name, PIN, password or code Device without your permission if you had told us, you could lose as much as s $500. Also, if If your statement shows transfers that you did not make, including those made using your card, PIN or other meansby mobile banking, tell us at once. If you do not tell us within 60 sixty (60) days after the statement was mailed or otherwise made available to you, you may not get back any money you lost after the 60 sixty (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 may extend the time periodsperiod.

FINANCIAL INSTITUTION’S LIABILITY. If we do not complete an electronic fund a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. There However, there are some exceptions, however. We will not NOT be liable, for instance: ▪ If, if: • Through through no fault of ours, you do not have enough available funds money in your account to make the transfer; • The . ▪ If we have terminated this Agreement. ▪ If the transfer would go over the credit limit on your overdraft line; • Circumstances beyond our control (such as fire, flood, water damage, power failure, strike, labor dispute, computer breakdown, pandemic, telephone line disruption or a natural disaster) or a rolling blackout prevent or delay the transfer despite reasonable precautions taken by us; • . ▪ If the ATM terminal where you are making attempted to make the transfer does transaction did not have enough cash; • The cash to allow the transaction. ▪ If the terminal and/or system was not working properly and you knew about the problem breakdown when you started the transaction; • The funds in transfer. ▪ When your account are subject to legal process, an uncollected funds hold card has been reported lost or are otherwise not available for withdrawal; • The information supplied by you stolen or a third party is incorrect, incomplete, ambiguous or untimely; • The transaction cannot be completed because your debit card is damaged; or • We we have good reason to believe that something was wrong with the transaction may not be authorized transaction. ▪ When we receive inaccurate or incomplete information needed to complete a transaction. ▪ If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken. ▪ If the necessary authorization for completing the EFT transfer has been revoked by youan operation of law. ▪ There may be other exceptions stated in our agreement with you. CONFIDENTIALITY We will disclose information to third parties about your account or the transfers you make: ▪ Where it is necessary for completing transfers, ▪ In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant, ▪ In order to comply with government agency or court orders, ▪ If you give us your written permission, or ▪ As explained in the separate Privacy Policy Disclosure. UNAUTHORIZED TRANSFER Consumer Liability Liability: Tell us AT ONCE if you believe your card, PIN, or code card and/or PIN has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission (e.g., using information from your check). Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within 2 Business Days after you learn of the loss or theft of your cardbusiness days, PIN, or code you can lose no more than $50 50.00 if someone used your card, PIN, or code card and/or PIN without your permission. If you do NOT tell us within 2 Business Days business days after you learn of the loss or theft of your card, PIN, or code card and/or PIN and we can prove we could have stopped someone from using your card, PIN, or code card and/or PIN without your permission if you had told us, you could lose as much as $500500.00. Also, Also if your statement shows transfers that a transfer you did not make, including those made using your card, PIN or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed or otherwise 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.

FINANCIAL INSTITUTION’S LIABILITY. If we do not complete an electronic fund a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. There However, there are some exceptions, however. We will not NOT be liable, for instance:  If, if: • Through through no fault of ours, you do not have enough available funds money in your account to make the transfer; • The .  If the transfer would go over the credit limit on your overdraft line; • Circumstances beyond our control (such as fire, flood, water damage, power failure, strike, labor dispute, computer breakdown, pandemic, telephone line disruption or a natural disaster) or a rolling blackout prevent or delay the transfer despite reasonable precautions taken by us; • .  If the ATM automated teller machine where you are making the transfer does not have enough cash; • The .  If the terminal and/or system was not working properly and you knew about the problem breakdown when you started the transaction; • The funds in your account are subject to legal processtransfer.  If circumstances beyond our control (such as fire or flood) prevent the transfer, an uncollected funds hold or are otherwise not available for withdrawal; • The information supplied by you or a third party is incorrect, incomplete, ambiguous or untimely; • The transaction cannot be completed because your debit card is damaged; or • We despite reasonable precautions that we have reason to believe the transaction may not be authorized by youtaken.  There may be other exceptions stated in our agreement with you. CONFIDENTIALITY We will disclose information to third parties about your account or the transfers you make:  Where it is necessary for completing transfers,  In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant,  In order to comply with government agency or court orders,  If you give us your written permission, or  As explained in the separate Privacy Policy Disclosure. UNAUTHORIZED TRANSFER Consumer Liability Liability: Tell us AT ONCE if you believe your card, PIN, or card and/or code has been lost or stolen, stolen or if you believe that an electronic fund transfer has been made without your permission (e.g., using information from your check). Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within 2 Business Days business days after you learn of the loss or theft of your cardcard and/or code, PIN, or code you can lose no more than $50 50.00 if someone used your card, PIN, or card and/or code without your permission. If you do NOT tell us within 2 Business Days business days after you learn of the loss or theft of your card, PIN, or card and/or code and we can prove we could have stopped someone from using your card, PIN, or card and/or code without your permission if you had told us, you could lose as much as $500500.00. Also, if your statement shows transfers that you did not make, make including those made using your by card, PIN code, or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed or otherwise 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.

FINANCIAL INSTITUTION’S LIABILITY. If we do not complete an electronic fund a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. There However, there are some exceptions, however. We will not be liable, for instance, if: • Through If, through no fault of ours, you do not have enough available funds money in your account to make the transfer; . • The If the transfer would go over the credit limit on your overdraft line; . • Circumstances If circumstances beyond our control (such as firefire or flood) prevent the transfer, flood, water damage, power failure, strike, labor dispute, computer breakdown, pandemic, telephone line disruption or a natural disaster) or a rolling blackout prevent or delay the transfer despite reasonable precautions taken by us; that we have taken. • If the ATM where you are making the transfer does not have enough cash; • The system was not working properly and you knew about the problem when you started the transaction; • The funds in your account are subject to legal process, an uncollected funds hold or are otherwise not available for withdrawal; • The information supplied by you or a third party is incorrect, incomplete, ambiguous or untimely; • The transaction cannot be completed because your debit card is damaged; or • We have reason to believe the transaction may not be authorized by you. There may be other exceptions stated in our agreement with you. Consumer Liability Your liability for unauthorized EFTs. Tell us AT ONCE at once if you believe your carduser name, PINpassword, or code Device has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission (e.g., using information from your check). Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus Plus your maximum overdraft line of credit). If you tell us within 2 Business Days business days after you learn of the loss or theft of your carduser name, PINpassword, or code Device, you can lose no more than $50 if someone used your carduser name, PIN, password or code Device without your permission. If you do NOT tell us within 2 Business Days business days after you learn of the loss or theft of your carduser name, PINpassword or Device, or code and we can prove we could have stopped someone from using your carduser name, PIN, password or code Device without your permission if you had told us, you could lose as much as s $500. Also, if If your statement shows transfers that you did not make, including those made using your card, PIN or other meansby mobile banking, tell us at once. If you do not tell us within 60 days after the statement was mailed or otherwise 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 may extend the time periods.period. Error Resolution Procedures. In case of errors or questions about your electronic transfers, you agree to call or write us at 000.000.0000 or Blue Ridge Bank, PO Box 609, Luray, VA 22835-0609, as soon as you can, if you think your statement 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. • 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. We will determine whether an error occurred within 10 business days (5 business days if involving a Visa point-of- sale transaction processed by Visa or 20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account, a point-of-sale transaction, or a foreign-initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (5 business days if involving a Visa point-of-sale transaction processed by Visa or 20 business days if the transfer involved a new account) for the amount you think is in error, 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 10 business days, we may not credit your account. An account is considered a new account for 30 days after the first deposit is made, if you are a new customer. We will tell you the results within 3 business days after completing the investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. Periodic Statements. You will receive a period account statement. Disclosure of Account Information. We will disclose information to third parties about your Account or the transactions you make:

FINANCIAL INSTITUTION’S LIABILITY. If we do not complete an electronic fund transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. There are some exceptions, however. We will not be liable, for instance, if: • Through no fault of ours, you do not have enough available funds in your account to make the transfer; • The transfer would go over the credit limit on your overdraft line; transfer;‌ • Circumstances beyond our control (such as fire, flood, water damage, power failure, strike, labor dispute, computer breakdown, pandemic, telephone line disruption or a natural disaster) or a rolling blackout prevent or delay the transfer despite reasonable precautions taken by us; us;‌ • If the ATM where you are making the transfer does not have enough cash; cash;‌ • The system was not working properly and you knew about the problem when you started the transaction; transaction;‌ • The funds in your account are subject to legal process, an uncollected funds hold or are otherwise not available for withdrawal; withdrawal;‌ • The information supplied by you or a third party is incorrect, incomplete, ambiguous or untimely; • The transaction cannot be completed because your debit card is damaged; or or‌ • We have reason to believe the transaction may not be authorized by you. There may be other exceptions stated in our agreement with you. Consumer Liability Tell us AT ONCE if you believe your card, PIN, or code PIN has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission (e.g., using information from your check). Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit)account. If you tell us within 2 Business Days after you learn of the loss or theft of your card, PIN, or code you can lose no more than $50 if someone used your card, PIN, or code PIN 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 code and we can prove we could have stopped someone from using your card, PIN, or code PIN without your permission if you had told us, you could lose as much as $500. Also, if your statement shows transfers that you did not make, including those made using your card, PIN or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed or otherwise 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.

FINANCIAL INSTITUTION’S LIABILITY. ‌ If we do not complete an electronic fund transfer to or from your account on time or in the correct amount according to our agreement amountaccording toouragreement with you, we will be liable for your losses foryourlosses or damages. There are some exceptions, however. We will not be liable, for instance, if: • Through no fault of ours, you do not have enough available funds in your account to make the transfer; • The transfer would go over the credit limit on your overdraft line; • Circumstances beyond our Circumstancesbeyondour control (such as fire, ,flood, ,water damage, ,power failure, strike, labor dispute, ,labordispute,computer breakdown, ,pandemic, telephone line disruption ,telephonelinedisruption or a natural disaster) or a rolling blackout prevent or delay the transfer despite reasonable precautions taken by us; • If the ATM where you are making the transfer does not have enough cash; • The system was not working properly and you knew about the problem when you started the transaction; • The funds in your account are subject to legal process, an uncollected funds hold or are otherwise not available for withdrawalforwithdrawal; • The information Theinformation supplied by you or a third party is incorrect, ,incomplete, ambiguous or ambiguousor untimely; • The transaction cannot be completed because your debit card is damaged; or • We have reason to believe the transaction may not be authorized by youyou . There may be other exceptions stated in our agreement with youyou . Consumer Liability Tell us Liability‌ Tellus AT ONCE if you believe your card, PIN, or code PIN has been lost or stolen, or if you believe that believethat an electronic fund transfer has been made without your permission (e.g., using information from your check). Telephoning is the best way of keeping your possible losses downdown . You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within 2 Business Days after you learn of the loss or theft of your card, PIN, or code you can lose no more than $50 if someone used your card, PIN, or code PIN without your permissionpermission . If you do NOT tell us within 2 Business Days after you learn of the loss or theft of your card, PIN, or code and we can prove we could have stopped someone from using your card, PIN, or code PIN without your permission if you had told us, you could lose as much as $500500 . Also, if your statement shows transfers that you did not make, including those made using your card, PIN or other means, tell us at onceonce . If you do not tell us within 60 days after the statement was mailed or otherwise 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 periodsperiods .