Common use of Liability for Failure to Stop Payment of Preauthorized Transfer Clause in Contracts

Liability for Failure to Stop Payment of Preauthorized Transfer. If you properly order us to stop one of these payments three (3) business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages. Please refer to our Online Banking Agreement for information on changing, canceling or stopping a bill payment transaction you have previously scheduled Your Liability for Unauthorized Transactions You must contact us immediately if you believe your card, password, Personal Identification Number (PIN), or similar code has been lost, stolen, or used without your permission, or if you believe that an electronic fund transfer has been or may be made without your permission using information from your check. Under Mastercard’s® Zero Liability Protection program, you will not be held responsible for unauthorized Debit Card transactions processed by Mastercard® provided you exercised reasonable care in safeguarding the Card from risk of loss or theft and, upon becoming aware of such loss or theft, promptly reported the loss or theft to us. Unauthorized use means the use of your Debit Card by a person other than you, who does not have actual, implied, or apparent authority for such use, and from which you receive no benefit. Failure to notify us promptly of your suspected unauthorized transaction may result in liability of up to $500.00 if not reported within 2 (two) business days of discovery. Your liability may be unlimited, and include subsequent transfers, if reported more than 60 days after the transmittal of the statement on which the unauthorized transaction appears. If your delay in notifying us is due to extenuating circumstances (such as a hospital stay), we shall extend the times specified to a reasonable period. This additional limitation on liability does not apply to PIN-based transactions or transactions not processed by Mastercard®. Contact in the Event of Unauthorized Transfer If you think your card and/or PIN has been lost or stolen or that someone has transferred or may transfer money from your Account without your permission, please call us at 000-000-0000 or write to us at: Brookline Bank, PO Box 470469, Brookline, MA 02447-0469, Attn: Electronic Banking. You should also call this number or write to this address if you believe an electronic funds transfer has been made using the information from your check without your permission.

Liability for Failure to Stop Payment of Preauthorized Transfer. If you properly order us to stop one of these payments three (3) business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages. Please refer to our Online Banking Agreement for information on changing, canceling or stopping a bill payment transaction you have previously scheduled scheduled. Your Liability for Unauthorized Transactions You must contact us immediately if you believe your card, password, Personal Identification Number (PIN), or similar code has been lost, stolen, or used without your permission, or if you believe that an electronic fund transfer has been or may be made without your permission using information from your check. Under Mastercard’s® Zero Liability Protection program, you will not be held responsible for unauthorized Debit Card transactions processed by Mastercard® provided you exercised reasonable care in safeguarding the Card from risk of loss or theft and, upon becoming aware of such loss or theft, promptly reported the loss or theft to us. Unauthorized use means the use of your Debit Card by a person other than you, who does not have actual, implied, or apparent authority for such use, and from which you receive no benefit. Failure to notify us promptly of your suspected unauthorized transaction may result in liability of up to $500.00 if not reported within 2 (two) business days of discovery. Your liability may be unlimited, and include subsequent transfers, if reported more than 60 days after the transmittal of the statement on which the unauthorized transaction appears. If your delay in notifying us is due to extenuating circumstances (such as a hospital stay), we shall extend the times specified to a reasonable period. This additional limitation on liability does not apply to PIN-based transactions or transactions not processed by Mastercard®. Contact in the Event of Unauthorized Transfer If you think your card and/or PIN has been lost or stolen or that someone has transferred or may transfer money from your Account without your permission, please call us at 000-000-0000 or write to us at: Brookline BankBank Rhode Island, PO Box 4704699488, BrooklineProvidence, MA 02447RI, 02940-04699488, Attn: Electronic Banking. You should also call this number or write to this address if you believe an electronic funds transfer has been made using the information from your check without your permission.

Liability for Failure to Stop Payment of Preauthorized Transfer. If you properly order us to stop one of these payments a preauthorized payment three (3) business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages. Please refer FRAUDULENT OR CRIMINAL CARD ACCOUNT OR VIRTUAL ACCOUNT ACTIVITY We reserve the right to block or cancel your Card Account or Virtual Account if, as a result of our Online Banking Agreement policies and processes we detect what we reasonably believe to be fraudulent, suspicious or criminal activity or any activity that is inconsistent with this Agreement.We will incur no liability to you because of the unavailability of the funds that may be associated with your Card Account and/or Virtual Account. USING YOUR CARD/FEATURES No individual transaction made with your Card can exceed $4,999.99. You may use your Card to purchase or lease goods or services wherever Visa debit cards or PULSE cards are accepted. Use of your Card is permitted as long as you do not exceed the value available on your Card Account—unless we decide to approve such transactions. Some Merchants do not allow cardholders to conduct split transactions where you would use the Card as partial payment for information goods and services and pay the remainder of the balance with another form of legal tender. If you wish to conduct a split transaction and it is permitted by the Merchant, you must tell the Merchant to charge only the exact amount of funds available on changingthe Card to the Xxxx.Xxx must then arrange to pay the difference using another payment method. Some Merchants may require payment for the remaining balance in cash. If you fail to inform the Merchant that you would like to complete a split transaction prior to swiping your Card, canceling your Card is likely to be declined. If you use your Card at an automated fuel dispenser (“pay at the pump”), the Merchant may preauthorize the transaction amount for $125.00 or stopping xxxx.Xx avoid preauthorizations by the Merchant, you should not pay at the pump. You should take your Card to the cashier and indicate either a bill payment transaction specific amount of fuel, or the specific dollar value you have previously scheduled Your Liability for Unauthorized Transactions You must contact us immediately if wish to spend. If you believe your cardCard has sufficient funds when you attempt to pay at the pump and your Card is declined because of the preauthorization value, passwordthen, Personal Identification Number you should take your Card to the cashier and ask to pay only the value of the pumped fuel. If you use your Card at a restaurant, a hotel, for a car rental purchase, or for similar purchases, the Merchant may preauthorize the transaction amount for the purchase amount plus up to 20% more to ensure there are sufficient funds available to cover tips or incidental expenses incurred. Any preauthorized amount will result in the placement of a“hold”on your available funds until the Merchant sends us the final payment amount of your purchase. Once the final payment amount is received, the preauthorized amount on hold will be removed. If we do not receive the final payment amount, the preauthorized amount on hold will remain in place for thirty (PIN30) days. During a hold period, you will not have access to the preauthorized amount. If you use your Card number without presenting your Card (such as for a mail order, telephone, or Internet purchase), the legal effect will be the same as if you used the Card itself (see below for additional information about how to obtain and use a Virtual Account). You may not use your Card number or similar code the Issuer’s routing number and your account number in connection with the creation and/or negotiation of any financial instruments such as checks, which we have not authorized. For security reasons, we may limit the amount or number of transactions you can make on your Card.Your Card cannot be redeemed for xxxx.Xxx may not use your Card for online gambling or any illegal transaction. Each time you use your Card, you authorize us to reduce the value available in your Card Account by the amount of the transaction and any applicable fees. Unless we decide, in our sole discretion, to approve a transaction, you may not exceed the available amount in your Card Account through an individual transaction or a series of transactions. Nevertheless, if a transaction exceeds the balance of the funds available on your Card, you shall remain fully liable to us for the amount of the transaction and any applicable transaction fees. You do not have the right to stop payment on any purchase or payment transaction originated by use of your Card. If you authorize a transaction and then fail to make a purchase of that item as planned, the approval may result in a hold. To purchase or lease goods or services or make payments by telephone or online, without presenting your Card, you may request up to three (3) active Virtual Accounts. Each Virtual Account consists of a 16-digit account number, a 3-digit security code, and an expiration date. Each Virtual Account expires one year from the last day of the calendar month during which the Virtual Account was created. For example, if a Virtual Account is created on February 24, 2011, its expiration date is February 29, 2012. Each time you use your Virtual Account, you authorize us to reduce the value available in your Card Account by the amount of the transaction and any applicable fees. If you make a transaction that creates a negative balance on your Card, you agree that within thirty (30) days of its creation you will add sufficient funds to your Card to cover the negative balance so that your Card has been lost, stolena zero or positive balance, or used without that you will otherwise immediately pay such an amount to us in full upon demand. If after thirty (30) days you have not added sufficient funds to cover your permissionnegative balance, or if you believe that an electronic fund transfer has been or may your Card will remain open to receive credits and loads, which will automatically be made without applied to your permission using information from your check. Under Mastercard’s® Zero Liability Protection programnegative balance before they are available to you; however, you will not be held able to make any transactions using your Card until it has a positive balance, i.e., sufficient funds to cover the negative balance. If you have not reloaded your Card with sufficient funds to cover the negative balance within sixty (60) days of its creation, we will have the right to cancel your Card and pursue collection, including the right to collect funds, equal to or less than the negative balance, from any other Card Account(s) you may have with us. In all instances described above, loads to your Card may be made via Direct Deposit or any of the other load methods allowed for this Card. Should you voluntarily discontinue use of the Card, you shall remain responsible for unauthorized Debit the negative balance on your Card transactions processed by Mastercard® provided you exercised reasonable care in safeguarding and agree that any credits or loads made to your Card will be used to offset the value of the negative balance, if any. You acknowledge that a negative balance on your Card from risk of loss or theft and, upon becoming aware of such loss or theft, promptly reported the loss or theft to us. Unauthorized use means the use of your Debit Card by a person other than you, who does not have actualconstitute a contractual open end line of credit. If we permit a negative balance on one or more occasions, implied, or apparent authority for such usewe do not thereby obligate ourselves to permit a negative balance on any future occasion, and from which we may refuse to pay a negative balance for you receive at any time, even though we may have previously paid negative balances for you.We have no benefit. Failure obligation to notify us promptly of your suspected unauthorized you before we approve or decline a transaction may that would result in liability of up to $500.00 if not reported within 2 (two) business days of discoverya negative balance on your Card. Your liability may Items will be unlimited, and include subsequent transfers, if reported more than 60 days after the transmittal of the statement on which the unauthorized transaction appears. If your delay in notifying us is due to extenuating circumstances (such as a hospital stay), we shall extend the times specified to a reasonable period. This additional limitation on liability does not apply to PIN-based transactions approved or transactions not processed by Mastercard®. Contact declined in the Event of Unauthorized Transfer If you think your card and/or PIN has been lost or stolen or that someone has transferred or may transfer money from your Account without your permission, please call us order they are received at 000-000-0000 or write to us at: Brookline Bank, PO Box 470469, Brookline, MA 02447-0469, Attn: Electronic Banking. You should also call this number or write to this address if you believe an electronic funds transfer has been made using the information from your check without your permissiondata processor.

Liability for Failure to Stop Payment of Preauthorized Transfer. If you properly order us to stop one of these payments a preauthorized payment three (3) business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages. Please refer Fraudulent or Criminal Account Activity We reserve the right to block or cancel your Card Account or Virtual Account if, as a result of our Online Banking Agreement policies and processes we detect what we reasonably believe to be fraudulent, suspicious or criminal activity or any activity that is inconsistent with this Agreement. We will incur no liability to you because of the unavailability of the funds that may be associated with your Card Account and/or Virtual Account. Using Your Card/Features Limits affecting the use of your Card: No individual purchase or Over the Counter Cash Withdrawal (“OTC Withdrawal”) transaction made with your Card or Virtual Account may exceed $5,000.00. You may use your Card to purchase or lease goods or services everywhere Debit MasterCard or PULSE cards are accepted as long as you do not exceed the value available on your Card Account. Some Merchants do not allow cardholders to conduct split transactions, that is, instances when you would use the Card as partial payment for information goods and services and pay the remainder of the balance with another form of legal tender. If you wish to conduct a split transaction and it is permitted by the Merchant, you must tell the Merchant to charge only the exact amount of funds available on changingthe Card to the Card. You must then arrange to pay the difference using another payment method. Some Merchants may require payment for the remaining balance in cash. If you fail to inform the Merchant that you would like to complete a split transaction prior to swiping your Card, canceling your Card is likely to be declined. If you use your Card at an automated fuel dispenser (“pay at the pump”), the purchase may be preauthorized for a transaction amount of up to $100.00 or stopping a bill payment transaction more. If your Card is declined, even though you have previously scheduled Your Liability sufficient funds available, you should pay for Unauthorized Transactions You must contact your purchase inside with the cashier. If you use your Card at a restaurant, a hotel, for a car rental purchase, or for similar purchases, the purchase may be preauthorized for a transaction amount representing the purchase amount plus up to 20% or more to ensure there are sufficient funds available to cover tips or incidental expenses incurred. Any preauthorized amount will result in the placement of a “hold” on your available funds until the Merchant tells us immediately the final payment amount of your purchase. Once we know the final payment amount, the preauthorized amount on hold will be removed. Generally, it may take up to seven (7) days for a hold to be removed. However, if the Merchant does not tell us the final payment amount, the preauthorized amount on hold may remain in place for up to thirty (30) days. During a hold period, you will not have access to the preauthorized amount. If you use your Card number without presenting your Card (such as for a mail order, telephone, or Internet purchase), the legal effect will be the same as if you believe used the Card itself (see below for additional information about how to obtain and use a Virtual Account).For security reasons, we may limit the amount or number of transactions you can make on your cardCard. Your Card cannot be redeemed for cash. You may not use your Card for online gambling or any illegal transaction. Each time you use your Card or Virtual Account, passwordyou authorize us to reduce the value available in your Card Account by the amount of the transaction and any applicable fees. You are not allowed to exceed the available amount in your Card Account through an individual transaction or a series of transactions. Nevertheless, Personal Identification Number if a transaction exceeds the balance of the funds available in your Card, you shall remain fully liable to us for the amount of the transaction(s) and any applicable fee(s). If you make a transaction that creates a negative balance on your Card, you agree that within thirty (PIN)30) days of its creation you will add sufficient funds to your Card to cover the negative balance so that your Card has a zero or positive balance, or similar code has been lostthat you will otherwise immediately pay such an amount to us in full upon demand. If after thirty (30) days you have not added sufficient funds to cover your negative balance, stolenyour Card will remain open to receive credits and loads, or used without which will automatically be applied to your permission, or if you believe that an electronic fund transfer has been or may be made without your permission using information from your check. Under Mastercard’s® Zero Liability Protection programnegative balance before they are available to you; however, you will not be held responsible for unauthorized Debit able to make any transactions using your Card transactions processed by Mastercard® provided until it has a positive balance, i.e., sufficient funds to cover the negative balance. If you exercised reasonable care in safeguarding have not reloaded your Card with sufficient funds to cover the negative balance within sixty (60) days of its creation, we have the right to cancel your Card Account. Additionally, we have the right to collect funds, equal to or less than the negative balance, from risk of loss or theft and, upon becoming aware of such loss or theft, promptly reported the loss or theft to any other Card Account(s) you may have with us. Unauthorized use means In all instances described above, loads to your Card may be made via Direct Deposit or any of the other load methods allowed for this Card. You do not have the right to stop payment on any purchase or payment transaction (other than preauthorized debit transactions described above) originated by use of your Debit Card or Virtual Account. Should you voluntarily discontinue use of the Card, you shall remain responsible for the negative balance on your Card and agree that any credits or loads made to your Card will be used to offset the value of the negative balance, if any. Virtual Account To purchase or lease goods or services or make payments by telephone or online without presenting your Card, you may request up to six (6) active Virtual Accounts. Each Virtual Account consists of a person other than you16-digit account number, who does not have actual, implied, or apparent authority for such usea 3-digit security code, and an expiration date. Each Virtual Account expires one year from the last day of the calendar month during which you receive no benefitthe Virtual Account was created. Failure to notify us promptly of your suspected unauthorized transaction may result in liability of up to $500.00 if not reported within 2 (two) business days of discovery. Your liability may be unlimited, and include subsequent transfersFor example, if reported more than 60 days after the transmittal of the statement a Virtual Account is created on which the unauthorized transaction appearsFebruary 24, 2015, its expiration date is February 29, 2016. If When you use your delay in notifying us is due to extenuating circumstances (such as a hospital stay), we shall extend the times specified to a reasonable period. This additional limitation on liability does not apply to PIN-based transactions or transactions not processed by Mastercard®. Contact in the Event of Unauthorized Transfer If you think your card and/or PIN has been lost or stolen or that someone has transferred or may transfer money from your Virtual Account without presenting your permissionCard, please call us at 000-000-0000 or write to us at: Brookline Bank, PO Box 470469, Brookline, MA 02447-0469, Attn: Electronic Bankingthe legal effect will be the same as if you used the Card itself. You should also call this number or write to this address if must first register your Card with us before you believe an electronic funds transfer has been made using can request a Virtual Account (see the information from your check without your permissionsection labeled “Activate Your Card”).

Liability for Failure to Stop Payment of Preauthorized Transfer. If you properly order us to stop one of these payments three (3) business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages. Please refer to our Online Banking Agreement for information on changing, canceling or stopping a bill payment transaction you paymenttransactionyou have previously scheduled Your Liability for Unauthorized Transactions You must Youmust contact us immediately if you believe your card, password, Personal Identification Number (PIN), or similar code has been lost, stolen, or used without your permission, or if you believe that an electronic fund transfer has been or may be made without your permission using information from your fromyour check. Under Mastercard’s® Zero Liability Protection program, you will not be held responsible for unauthorized Debit Card transactions processed by Mastercard® provided you exercised reasonable care in safeguarding the Card from risk of loss or theft and, upon becoming aware of such loss or theft, promptly reported the loss or theft to us. Unauthorized use means the use of your Debit Card by a person other than you, who does not have actual, implied, or apparent authority for such use, and from which you receive no benefit. Failure to notify us promptly of your suspected unauthorized transaction may result in liability of up to $500.00 if not reported within 2 (two) business days of discovery. Your liability Yourliability may be unlimited, and include subsequent transfers, if reported more than 60 days after the transmittal of the statement on which the unauthorized transaction appears. If your delay in notifying us is due to extenuating circumstances (such as a hospital stay), we shall extend the times specified to a reasonable period. This additional limitation on liability does not apply to PIN-based transactions or transactions not processed by Mastercard®. Contact in the Event of Unauthorized Transfer If you think your card and/or PIN has been lost or stolen or that someone has transferred hastransferred or may transfer money from your fromyour Account without your permission, please call us at 000-000-0000 or write to us at: Brookline BankBank Rhode Island, PO Box 4704699488, BrooklineProvidence, MA 02447RI, 02940-04699488, Attn: Electronic Banking. You should also call this number or write to this address if you believe an electronic funds transfer has been made using the information from your madeusingthe informationfromyour check without your withoutyour permission.

Liability for Failure to Stop Payment of Preauthorized Transfer. If you properly order us to stop one of these payments a preauthorized payment three (3) business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages. Please refer FRAUDULENT OR CRIMINAL CARD ACCOUNT OR VIRTUAL ACCOUNT ACTIVITY We reserve the right to block or cancel your Card Account or Virtual Account if, as a result of our Online Banking Agreement policies and processes we detect what we reasonably believe to be fraudulent, suspicious or criminal activity or any activity that is inconsistent with this Agreement. We will incur no liability to you because of the unavailability of the funds that may be associated with your Card Account and/or Virtual Account. USING YOUR CARD/FEATURES No individual transaction made with your Card can exceed $4,999.99. You may use your Card to purchase or lease goods or services wherever Visa debit cards or PULSE cards are accepted. Use of your Card is permitted as long as you do not exceed the value available on your Card Account—unless we decide to approve such transactions. Some Merchants do not allow cardholders to conduct split transactions where you would use the Card as partial payment for information goods and services and pay the remainder of the balance with another form of legal tender. If you wish to conduct a split transaction and it is permitted by the Merchant, you must tell the Merchant to charge only the exact amount of funds available on changing, canceling or stopping a bill payment transaction you have previously scheduled Your Liability for Unauthorized Transactions the Card to the Card. You must contact us immediately if then arrange to pay the difference using another payment method. Some Merchants may require payment for the remaining balance in cash. If you fail to inform the Merchant that you would like to complete a split transaction prior to swiping your Card, your Card is likely to be declined. If you use your Card at an automated fuel dispenser (“pay at the pump”), the Merchant may preauthorize the transaction amount for $125.00 or more. To avoid preauthorizations by the Merchant, you should not pay at the pump. You should take your Card to the cashier and indicate either a specific amount of fuel, or the specific dollar value you wish to spend. If you believe your cardCard has sufficient funds when you attempt to pay at the pump and your Card is declined because of the preauthorization value, passwordthen, Personal Identification Number you should take your Card to the cashier and ask to pay only the value of the pumped fuel. If you use your Card at a restaurant, a hotel, for a car rental purchase, or for similar purchases, the Merchant may preauthorize the transaction amount for the purchase amount plus up to 20% more to ensure there are sufficient funds available to cover tips or incidental expenses incurred. Any preauthorized amount will result in the placement of a“hold”on your available funds until the Merchant sends us the final payment amount of your purchase. Once the final payment amount is received, the preauthorized amount on hold will be removed. If we do not receive the final payment amount, the preauthorized amount on hold will remain in place for thirty (PIN30) days. During a hold period, you will not have access to the preauthorized amount. If you use your Card number without presenting your Card (such as for a mail order, telephone, or Internet purchase), the legal effect will be the same as if you used the Card itself (see below for additional information about how to obtain and use a Virtual Account). You may not use your Card number or similar code the Issuer’s routing number and your account number in connection with the creation and/or negotiation of any financial instruments such as checks, which we have not authorized. For security reasons, we may limit the amount or number of transactions you can make on your Card. Your Card cannot be redeemed for cash. You may not use your Card for online gambling or any illegal transaction. Each time you use your Card, you authorize us to reduce the value available in your Card Account by the amount of the transaction and any applicable fees. Unless we decide, in our sole discretion, to approve a transaction, you may not exceed the available amount in your Card Account through an individual transaction or a series of transactions. Nevertheless, if a transaction exceeds the balance of the funds available on your Card, you shall remain fully liable to us for the amount of the transaction and any applicable transaction fees. You do not have the right to stop payment on any purchase or payment transaction originated by use of your Card. If you authorize a transaction and then fail to make a purchase of that item as planned, the approval may result in a hold. To purchase or lease goods or services or make payments by telephone or online, without presenting your Card, you may request up to three (3) active Virtual Accounts. Each Virtual Account consists of a 16-digit account number, a 3-digit security code, and an expiration date. Each Virtual Account expires one year from the last day of the calendar month during which the Virtual Account was created. For example, if a Virtual Account is created on February 24, 2011, its expiration date is February 29, 2012. Each time you use your Virtual Account, you authorize us to reduce the value available in your Card Account by the amount of the transaction and any applicable fees. If you make a transaction that creates a negative balance on your Card, you agree that within thirty (30) days of its creation you will add sufficient funds to your Card to cover the negative balance so that your Card has been lost, stolena zero or positive balance, or used without that you will otherwise immediately pay such an amount to us in full upon demand. If after thirty (30) days you have not added sufficient funds to cover your permissionnegative balance, or if you believe that an electronic fund transfer has been or may your Card will remain open to receive credits and loads, which will automatically be made without applied to your permission using information from your check. Under Mastercard’s® Zero Liability Protection programnegative balance before they are available to you; however, you will not be held able to make any transactions using your Card until it has a positive balance, i.e., sufficient funds to cover the negative balance. If you have not reloaded your Card with sufficient funds to cover the negative balance within sixty (60) days of its creation, we will have the right to cancel your Card and pursue collection, including the right to collect funds, equal to or less than the negative balance, from any other Card Account(s) you may have with us. In all instances described above, loads to your Card may be made via Direct Deposit or any of the other load methods allowed for this Card. Should you voluntarily discontinue use of the Card, you shall remain responsible for unauthorized Debit the negative balance on your Card transactions processed by Mastercard® provided you exercised reasonable care in safeguarding and agree that any credits or loads made to your Card will be used to offset the value of the negative balance, if any. You acknowledge that a negative balance on your Card from risk of loss or theft and, upon becoming aware of such loss or theft, promptly reported the loss or theft to us. Unauthorized use means the use of your Debit Card by a person other than you, who does not have actualconstitute a contractual open end line of credit. If we permit a negative balance on one or more occasions, implied, or apparent authority for such usewe do not thereby obligate ourselves to permit a negative balance on any future occasion, and from which we may refuse to pay a negative balance for you receive at any time, even though we may have previously paid negative balances for you. We have no benefit. Failure obligation to notify us promptly of your suspected unauthorized you before we approve or decline a transaction may that would result in liability of up to $500.00 if not reported within 2 (two) business days of discoverya negative balance on your Card. Your liability may Items will be unlimited, and include subsequent transfers, if reported more than 60 days after the transmittal of the statement on which the unauthorized transaction appears. If your delay in notifying us is due to extenuating circumstances (such as a hospital stay), we shall extend the times specified to a reasonable period. This additional limitation on liability does not apply to PIN-based transactions approved or transactions not processed by Mastercard®. Contact declined in the Event of Unauthorized Transfer If you think your card and/or PIN has been lost or stolen or that someone has transferred or may transfer money from your Account without your permission, please call us order they are received at 000-000-0000 or write to us at: Brookline Bank, PO Box 470469, Brookline, MA 02447-0469, Attn: Electronic Banking. You should also call this number or write to this address if you believe an electronic funds transfer has been made using the information from your check without your permissiondata processor.

Liability for Failure to Stop Payment of Preauthorized Transfer. If you properly order us to stop one of these payments a preauthorized payment three (3) business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages. Please refer FRAUDULENT OR CRIMINAL CARD ACCOUNT OR VIRTUAL ACCOUNT ACTIVITY We reserve the right to block or cancel your Card Account or Virtual Account if, as a result of our Online Banking Agreement policies and processes we detect what we reasonably believe to be fraudulent, suspicious or criminal activity or any activity that is inconsistent with this Agreement. We will incur no liability to you because of the unavailability of the funds that may be associated with your Card Account and/or Virtual Account. USING YOUR CARD/FEATURES No individual transaction made with your Card can exceed $4,999.99. You may use your Card to purchase or lease goods or services wherever Debit MasterCard or PULSE cards are accepted. Use of your Card is permitted as long as you do not exceed the value available on your Card Account—unless we decide to approve such transactions. Some Merchants do not allow cardholders to conduct split transactions where you would use the Card as partial payment for information goods and services and pay the remainder of the balance with another form of legal tender. If you wish to conduct a split transaction and it is permitted by the Merchant, you must tell the Merchant to charge only the exact amount of funds available on changing, canceling or stopping a bill payment transaction you have previously scheduled Your Liability for Unauthorized Transactions the Card to the Card. You must contact us immediately if then arrange to pay the difference using another payment method. Some Merchants may require payment for the remaining balance in cash. If you fail to inform the Merchant that you would like to complete a split transaction prior to swiping your Card, your Card is likely to be declined. If you use your Card at an automated fuel dispenser (“pay at the pump”), the Merchant may preauthorize the transaction amount for $100.00 or more. To avoid preauthorizations by the Merchant, you should not pay at the pump. You should take your Card to the cashier and indicate either a specific amount of fuel, or the specific dollar value you wish to spend. If you believe your cardCard has sufficient funds when you attempt to pay at the pump and your Card is declined because of the preauthorization value, passwordthen, Personal Identification Number you should take your Card to the cashier and ask to pay only the value of the pumped fuel. If you use your Card at a restaurant, a hotel, for a car rental purchase, or for similar purchases, the Merchant may preauthorize the transaction amount for the purchase amount plus up to 20% more to ensure there are sufficient funds available to cover tips or incidental expenses incurred. Any preauthorized amount will result in the placement of a“hold”on your available funds until the Merchant sends us the final payment amount of your purchase. Once the final payment amount is received, the preauthorized amount on hold will be removed. If we do not receive the final payment amount, the preauthorized amount on hold will remain in place for thirty (PIN30) days. During a hold period, you will not have access to the preauthorized amount. If you use your Card number without presenting your Card (such as for a mail order, telephone, or Internet purchase), the legal effect will be the same as if you used the Card itself (see below for additional information about how to obtain and use a Virtual Account). You may not use your Card number or similar code the Issuer’s routing number and your account number in connection with the creation and/or negotiation of any financial instruments such as checks, which we have not authorized. For security reasons, we may limit the amount or number of transactions you can make on your Card. Your Card cannot be redeemed for cash. You may not use your Card for online gambling or any illegal transaction. Each time you use your Card, you authorize us to reduce the value available in your Card Account by the amount of the transaction and any applicable fees. Unless we decide, in our sole discretion, to approve a transaction, you may not exceed the available amount in your Card Account through an individual transaction or a series of transactions. Nevertheless, if a transaction exceeds the balance of the funds available on your Card, you shall remain fully liable to us for the amount of the transaction and any applicable transaction fees. You do not have the right to stop payment on any purchase or payment transaction originated by use of your Card. If you authorize a transaction and then fail to make a purchase of that item as planned, the approval may result in a hold. To purchase or lease goods or services or make payments by telephone or online, without presenting your Card, you may request up to three (3) active Virtual Accounts. Each Virtual Account consists of a 16-digit account number, a 3-digit security code, and an expiration date. Each Virtual Account expires one year from the last day of the calendar month during which the Virtual Account was created. For example, if a Virtual Account is created on February 24, 2011, its expiration date is February 29, 2012. Each time you use your Virtual Account, you authorize us to reduce the value available in your Card Account by the amount of the transaction and any applicable fees. If you make a transaction that creates a negative balance on your Card, you agree that within thirty (30) days of its creation you will add sufficient funds to your Card to cover the negative balance so that your Card has been lost, stolena zero or positive balance, or used without that you will otherwise immediately pay such an amount to us in full upon demand. If after thirty (30) days you have not added sufficient funds to cover your permissionnegative balance, or if you believe that an electronic fund transfer has been or may your Card will remain open to receive credits and loads, which will automatically be made without applied to your permission using information from your check. Under Mastercard’s® Zero Liability Protection programnegative balance before they are available to you; however, you will not be held able to make any transactions using your Card until it has a positive balance, i.e., sufficient funds to cover the negative balance. If you have not reloaded your Card with sufficient funds to cover the negative balance within sixty (60) days of its creation, we will have the right to cancel your Card and pursue collection, including the right to collect funds, equal to or less than the negative balance, from any other Card Account(s) you may have with us. In all instances described above, loads to your Card may be made via Direct Deposit or any of the other load methods allowed for this Card. Should you voluntarily discontinue use of the Card, you shall remain responsible for unauthorized Debit the negative balance on your Card transactions processed by Mastercard® provided you exercised reasonable care in safeguarding and agree that any credits or loads made to your Card will be used to offset the value of the negative balance, if any. You acknowledge that a negative balance on your Card from risk of loss or theft and, upon becoming aware of such loss or theft, promptly reported the loss or theft to us. Unauthorized use means the use of your Debit Card by a person other than you, who does not have actualconstitute a contractual open end line of credit. If we permit a negative balance on one or more occasions, implied, or apparent authority for such usewe do not thereby obligate ourselves to permit a negative balance on any future occasion, and from which we may refuse to pay a negative balance for you receive at any time, even though we may have previously paid negative balances for you. We have no benefit. Failure obligation to notify us promptly of your suspected unauthorized you before we approve or decline a transaction may that would result in liability of up to $500.00 if not reported within 2 (two) business days of discoverya negative balance on your Card. Your liability may Items will be unlimited, and include subsequent transfers, if reported more than 60 days after the transmittal of the statement on which the unauthorized transaction appears. If your delay in notifying us is due to extenuating circumstances (such as a hospital stay), we shall extend the times specified to a reasonable period. This additional limitation on liability does not apply to PIN-based transactions approved or transactions not processed by Mastercard®. Contact declined in the Event of Unauthorized Transfer If you think your card and/or PIN has been lost or stolen or that someone has transferred or may transfer money from your Account without your permission, please call us order they are received at 000-000-0000 or write to us at: Brookline Bank, PO Box 470469, Brookline, MA 02447-0469, Attn: Electronic Banking. You should also call this number or write to this address if you believe an electronic funds transfer has been made using the information from your check without your permissiondata processor.

Liability for Failure to Stop Payment of Preauthorized Transfer. If you properly order us to stop one of these payments a preauthorized payment three (3) business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages. Please refer Using Your Card/Features Limits affecting the use of your Card: No individual purchase or over-the-counter withdrawal transaction made with your Card may exceed $5,000.00. The standard maximum amount that can be spent each day with your Card is $15,000.00. However, if you receive a tax refund ACH deposit, this amount may be exceeded by the value of the tax refund. We may determine any maximum values by aggregating the activity and value of all Card Accounts you may have with us or with NetSpend, whether you are a primary cardholder or a secondary cardholder. You may use your Card to our Online Banking Agreement purchase or lease goods or services everywhere Visa debit cards, Interlink cards, or PULSE cards are accepted as long as you do not exceed the value available on your Card Account. Some merchants do not allow cardholders to conduct split transactions, that is, instances when you would use the Card as partial payment for information goods and services and pay the remainder of the balance with another form of legal tender. If you wish to conduct a split transaction and it is permitted by the merchant, you must tell the merchant to charge only the exact amount of funds available on changingthe Card to the Card. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping your Card, canceling your Card is likely to be declined. If you use your Card at an automated fuel dispenser (“pay at the pump”), the purchase may be preauthorized for a transaction amount of up to $100.00 or stopping a bill payment transaction more. If your Card is declined, even though you have previously scheduled Your Liability sufficient funds available, you should pay for Unauthorized Transactions You must contact us immediately if your purchase inside with the cashier. If you believe use your cardCard at a restaurant, passworda hotel, Personal Identification Number (PIN)for a car rental purchase, or for similar code has been lostpurchases, stolen, or used without your permission, or if you believe that an electronic fund transfer has been or the purchase may be made without preauthorized for a transaction amount representing the purchase amount plus up to 20% or more to ensure there are sufficient funds available to cover tips or incidental expenses incurred. Any preauthorized amount will result in the placement of a “hold” on your permission using information from available funds until the merchant tells us the final payment amount of your checkpurchase. Under Mastercard’s® Zero Liability Protection programOnce we know the final payment amount, the preauthorized amount on hold will be removed. Generally, it may take up to seven (7) days for a hold to be removed. However, if the merchant does not tell us the final payment amount, the preauthorized amount on hold may remain in place for up to thirty (30) days. During a hold period, you will not have access to the preauthorized amount. If you use your Card number without presenting your Card (such as for a mail order, telephone, or Internet purchase), the legal effect will be held responsible for unauthorized Debit Card transactions processed by Mastercard® provided the same as if you exercised reasonable care in safeguarding used the Card from risk itself. For security reasons, we may limit the amount or number of loss transactions you can make on your Card. Your Card cannot be redeemed for cash. You may not use your Card for online gambling or theft andany illegal transaction. Each time you use your Card, upon becoming aware you authorize us to reduce the value available in your Card Account by the amount of such loss the transaction and any applicable fees. You are not allowed to exceed the available amount in your Card Account through an individual transaction or thefta series of transactions. Nevertheless, promptly reported if a transaction exceeds the loss balance of the funds available on your Card, you shall remain fully liable to us for the amount of the transaction and any applicable fees. You do not have the right to stop payment on any purchase or theft to us. Unauthorized use means the payment transaction (other than preauthorized debit transactions described above) originated by use of your Debit Card by a person other than you, who does not have actual, implied, or apparent authority for such use, and from which you receive no benefit. Failure to notify us promptly of your suspected unauthorized transaction may result in liability of up to $500.00 if not reported within 2 (two) business days of discovery. Your liability may be unlimited, and include subsequent transfers, if reported more than 60 days after the transmittal of the statement on which the unauthorized transaction appears. If your delay in notifying us is due to extenuating circumstances (such as a hospital stay), we shall extend the times specified to a reasonable period. This additional limitation on liability does not apply to PIN-based transactions or transactions not processed by Mastercard®. Contact in the Event of Unauthorized Transfer If you think your card and/or PIN has been lost or stolen or that someone has transferred or may transfer money from your Account without your permission, please call us at 000-000-0000 or write to us at: Brookline Bank, PO Box 470469, Brookline, MA 02447-0469, Attn: Electronic Banking. You should also call this number or write to this address if you believe an electronic funds transfer has been made using the information from your check without your permissionCard.

Liability for Failure to Stop Payment of Preauthorized Transfer. If you properly order us Stash to stop one of these payments a pre-authorized payment three (3) business days or more before the transfer is scheduled, and we do Stash does not do so, we Stash will be liable for your losses or damages. Please refer to our Online Banking Agreement for information on changing, canceling or stopping a bill payment transaction you have previously scheduled Your Liability for Unauthorized Transactions You must contact us Transfers Contact Stash immediately if you believe your debit card, password, Personal Identification Number (PIN), or similar code Account number has been lost, stolen, or used without . Telephoning is the best way to minimize your permission, or if you believe that an electronic fund transfer has been or may be made without your permission using information from your check. Under Mastercard’s® Zero Liability Protection program, you will not be held responsible for unauthorized Debit Card transactions processed by Mastercard® provided you exercised reasonable care in safeguarding the Card from risk of loss or theft and, upon becoming aware of such loss or theft, promptly reported the loss or theft to us. Unauthorized use means the use of your Debit Card by a person other than you, who does not have actual, implied, or apparent authority for such use, and from which you receive no benefit. Failure to notify us promptly of your suspected unauthorized transaction may result in liability of up to $500.00 if not reported within 2 (two) business days of discovery. Your liability may be unlimited, and include subsequent transfers, if reported more than 60 days after the transmittal of the statement on which the unauthorized transaction appearspossible losses. If your delay in notifying us is due to extenuating circumstances (such as a hospital stay)debit card, we shall extend the times specified to a reasonable period. This additional limitation on liability does not apply to PIN-based transactions , or transactions not processed by Mastercard®. Contact in the Event of Unauthorized Transfer If you think your card and/or PIN Account number has been lost or stolen stolen, or that someone has transferred or may transfer money from your Account without your permission, please call us at 0-000-000-0000 or write to us at: Brookline Bank, PO Box 470469, Brookline, MA 02447-0469, Attn: Electronic Banking0000. You should may also call this number lock your card in the Stash App or write Stash Website to this address if you believe an electronic funds transfer prevent unauthorized transactions. If someone has been made using the information transferred money from your check Account without your permission, submit a dispute on the Stash App or Stash Website. Under the Mastercard Zero Liability Rules, your liability for unauthorized Mastercard debit transactions on your Account is $0.00 if you have used reasonable care in protecting your card from loss or theft and you promptly reported loss or theft to Stash. This reduced liability does not apply to certain transactions not processed by Mastercard or to ATM transactions outside the U.S. You must notify Stash immediately of any unauthorized use. In the event that the Mastercard Zero Liability Rules do not apply, if you notify Stash within two (2) business days after you learn of any unauthorized transactions, you may be liable for no more than $50.00 if someone used your Account without your permission. If you do not notify Stash within two (2) business days after you learn of the loss or theft of your Card, Account number, or PIN and Stash can prove that it could have stopped someone from using your Account without your permission if you had promptly notified Stash, you may be liable for as much as $500.00. Also, if you become aware of and/or your statement shows transactions that you did not make, notify Stash at once following the procedures stated in the section labeled “Information About Your Right to Dispute Errors.” If you do not notify Stash within sixty (60) days after you become aware of the transaction(s) and/or the statement was made available to you, you may not get back any of the value you lost after the sixty (60) days if Stash can prove that it could have stopped someone from taking value if you had notified Stash in time. If a good reason (such as a long trip or a hospital stay) keeps you from telling Xxxxx, it will extend the time period. If your Card, PIN, or Account number has been lost or stolen, Stash will close your debit card and/or Stash Account to keep losses down and send you a replacement debit card and/or Stash Account number. If your Account changes, you must immediately notify your employer or any other payors or merchants. You must provide them with your new Stash Account number to ensure that your direct deposit and/or ACH Debit activity continues uninterrupted.

Liability for Failure to Stop Payment of Preauthorized Transfer. If you properly order us to stop one of these payments payments, three (3) business days or more before the transfer is scheduled, and we do not do so, we will be liable for you losses or damages. If we do not complete 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. However, there are some exceptions. We will not be liable, for instance: • If, through no fault of ours, you do not have enough money in your account to make the transfer. • If the transfer would go over the credit limit on your overdraft line. • If the ATM where you are making the transfer does not have enough cash. • If the automated teller machine (ATM) was not working properly and you knew about the breakdown when you started the transfer. • If circumstances beyond our control (such as floor or fire) prevent the transfer, despite reasonable precautions we have taken. • There may be other exceptions stated in our agreement with you. ATM Fees When you use an ATM not owned by us, you may be charged a fee by the ATM or any network used. You may be charged a fee for a balance inquiry even if you do not complete a funds transfer. Please refer to our Online Banking Agreement note there may be a fee for information on changinga balance inquiry and a separate fee for a withdrawal even if both are done in the same transaction. Error Resolution In case of errors or questions about your Electronic Funds Transfer, canceling or stopping a bill payment transaction you have previously scheduled Your Liability for Unauthorized Transactions You must contact us immediately as soon as you can if you believe think your card, password, Personal Identification Number (PIN), statement or similar code has been lost, stolen, or used without your permission, receipt is wrong or if you believe that an electronic fund need more information about a transfer has been on the statement or may be made without your permission using information from your checkreceipt. Under Mastercard’s® Zero Liability Protection programContact us: Call 000.000.0000, you will not be held responsible for unauthorized Debit Card transactions processed by Mastercard® provided you exercised reasonable care in safeguarding the Card from risk of loss or theft andWrite to: TruStone Financial Credit Union, upon becoming aware of such loss or theftAttn: Payments, promptly reported the loss or theft to us. Unauthorized use means the use of your Debit Card by a person other than youPO Box 1260 Minneapolis, who does not have actual, impliedMN 55440-1260, or apparent authority for such use, and email xxxxx@xxxxxxxxxxxxxxxxx.xxx. We must hear from which you receive no benefit. Failure to notify us promptly of your suspected unauthorized transaction may result in liability of up to $500.00 if not reported within 2 (two) business days of discovery. Your liability may be unlimited, and include subsequent transfers, if reported more later than 60 days after we sent you the transmittal of the FIRST statement on which the unauthorized transaction appearserror or problem appeared. This applies to consumer accounts only. Tell us the following information: Name and account number, description of the error or transfer you are unsure about, explain as clearly as you can why you believe it is an error – or why you need more information, and tell us the dollar amount of the suspected error. If your delay in notifying us is due to extenuating circumstances (such as a hospital stay)you verbally tell us, we shall extend may require that you send us your complaint or question in writing within 10 business days. We will investigate your complaint and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we take more than 10 business days to do this, we will credit your account for the times specified to a reasonable period. This additional limitation on liability does not apply to PIN-based transactions or transactions not processed by Mastercard®. Contact in the Event of Unauthorized Transfer If amount you think the error is for; 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 card complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. For errors involving new accounts, point-of-sale, or foreign initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts we may take up to 20 business days to credit your account the amount you think is in error. Please note that the use of Zelle and/or PIN has been lost or stolen or other peer-to-peer payment services are not covered under these provisions. We will tell you the results within three business days after completing our investigation. If we decide that someone has transferred or may transfer money from your Account without your permissionthere was no error, please call us at 000-000-0000 or write to us at: Brookline Bank, PO Box 470469, Brookline, MA 02447-0469, Attn: Electronic Bankingwe will send you a written explanation. You should also call this number may ask for copies of the documents that we used in our investigation. Phone Banking and Online Banking Transfers You may access your account by touch tone phone 24-hours a day by calling 000.000.0000, or write by visiting xxxxxxxxxxxxxxxxx.xxx and using your account sign on information to this address if you believe an electronic funds transfer has been made using the information from your check without your permissionlog in to online banking.

Liability for Failure to Stop Payment of Preauthorized Transfer. If you properly order us to stop one of these payments three (3) business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages. Please refer to our Online Banking Agreement XXXX for information on changing, canceling canceling, or stopping a bill payment transaction you have previously scheduled scheduled. Your Liability for Unauthorized Transactions Unauthorized use means the use of your Debit Card by a person other than you, who does not have actual, implied, or apparent authority for such use, and from which you receive no benefit. You must contact us immediately if you believe your cardCard, password, Personal Identification Number (PIN), or similar code has been lost, stolen, or used without your permission, or if you believe that an electronic fund transfer has been or may be made without your permission using information from your check. Under Mastercard’s® Zero Liability Protection program, you will not be held responsible for unauthorized Debit Card transactions processed by Mastercard® provided you exercised reasonable care in safeguarding the Card from risk of loss or theft and, upon becoming aware of such loss or theft, promptly reported the loss or theft to us. Unauthorized use means the use of your Debit Card by a person other than you, who does not have actual, implied, or apparent authority for such use, and from which If you receive no benefit. Failure to notify us promptly of your suspected unauthorized transaction may result in liability of up to $500.00 if not reported within 2 two (two2) business days after you learn of discoverythe loss or theft of your Card and/or PIN or your Card and/or PIN that has been used without your permission, $50 is the maximum you can lose. Your liability If you do not notify us within two (2) business days and we prove that we could have stopped someone from using your Card and/ or PIN without your permission, you can lose as much as $500. You should tell us immediately if your statement shows transactions that you did not make. If you do not tell us within sixty (60) calendar days from the date that the statement was sent to you, you may be unlimited, and include subsequent transfers, if reported more than 60 days not get back any money you lost after the transmittal of sixty (60) calendar days if we can prove that we could have stopped the statement on which the subsequent unauthorized transaction appearstransaction(s) if you had told us in time. If your delay in notifying us is due to extenuating circumstances (such as a hospital stay), we shall may extend the times specified to a reasonable period. This additional limitation on liability does not apply to PIN-based transactions or transactions not processed by Mastercard®. Contact in the Event of Unauthorized Transfer If you think your card Card and/or PIN has been lost or stolen or that someone has transferred or may transfer money from your Account without your permission, please call telephone us at 000-000-0000 or write to us at: Brookline Bank, PO Box 470469, Brookline, MA 02447-0469, PCSB Bank Attn: Electronic BankingATM Department 0000 Xxxxxx Xxxx. P.O. Box 712 Yorktown Heights, NY 10598 You should also call this number or write to this address if you believe an electronic funds transfer has been made using the information from your check without your permission.

Liability for Failure to Stop Payment of Preauthorized Transfer. If you properly order us to stop one of these payments a preauthorized payment three (3) business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages. Please refer Fraudulent Or Criminal Account Activity We reserve the right to block or cancel your Card Account or Virtual Account if, as a result of our Online Banking Agreement policies and processes we detect what we reasonably believe to be fraudulent, suspicious or criminal activity or any activity that is inconsistent with this Agreement. We will incur no liability to you because of the unavailability of the funds that may be associated with your Card Account and/or Virtual Account. Using Your Card/Features Limits affecting the use of your Card: No individual purchase or Over the Counter Cash Withdrawal (“OTC Withdrawal”) transaction made with your Card or Virtual Account may exceed $5,000.00. You may use your Card to purchase or lease goods or services everywhere Visa debit cards, Interlink cards, or PULSE cards are accepted as long as you do not exceed the value available on your Card Account. Some Merchants do not allow cardholders to conduct split transactions, that is, instances when you would use the Card as partial payment for information goods and services and pay the remainder of the balance with another form of legal tender. If you wish to conduct a split transaction and it is permitted by the Merchant, you must tell the Merchant to charge only the exact amount of funds available on changingthe Card to the Card. You must then arrange to pay the difference using another payment method. Some Merchants may require payment for the remaining balance in cash. If you fail to inform the Merchant that you would like to complete a split transaction prior to swiping your Card, canceling your Card is likely to be declined. If you use your Card at an automated fuel dispenser (“pay at the pump”), the purchase may be preauthorized for a transaction amount of up to $100.00 or stopping a bill payment transaction more. If your Card is declined, even though you have previously scheduled Your Liability sufficient funds available, you should pay for Unauthorized Transactions You must contact your purchase inside with the cashier. If you use your Card at a restaurant, a hotel, for a car rental purchase, or for similar purchases, the purchase may be preauthorized for a transaction amount representing the purchase amount plus up to 20% or more to ensure there are sufficient funds available to cover tips or incidental expenses incurred. Any preauthorized amount will result in the placement of a“hold” on your available funds until the Merchant tells us immediately the final payment amount of your purchase. Once we know the final payment amount, the preauthorized amount on hold will be removed. Generally, it may take up to seven (7) days for a hold to be removed. However, if the Merchant does not tell us the final payment amount, the preauthorized amount on hold may remain in place for up to thirty (30) days. During a hold period, you will not have access to the preauthorized amount. If you use your Card number without presenting your Card (such as for a mail order, telephone, or Internet purchase), the legal effect will be the same as if you believe used the Card itself (see below for additional information about how to obtain and use a Virtual Account). For security reasons, we may limit the amount or number of transactions you can make on your cardCard. Your Card cannot be redeemed for cash. You may not use your Card for online gambling or any illegal transaction. Each time you use your Card or Virtual Account, passwordyou authorize us to reduce the value available in your Card Account by the amount of the transaction and any applicable fees. You are not allowed to exceed the available amount in your Card Account through an individual transaction or a series of transactions. Nevertheless, Personal Identification Number if a transaction exceeds the balance of the funds available in your Card, you shall remain fully liable to us for the amount of the transaction(s) and any applicable fee(s). If you make a transaction that creates a negative balance on your Card, you agree that within thirty (PIN)30) days of its creation you will add sufficient funds to your Card to cover the negative balance so that your Card has a zero or positive balance, or similar code has been lostthat you will otherwise immediately pay such an amount to us in full upon demand. If after thirty (30) days you have not added sufficient funds to cover your negative balance, stolenyour Card will remain open to receive credits and loads, or used without which will automatically be applied to your permission, or if you believe that an electronic fund transfer has been or may be made without your permission using information from your check. Under Mastercard’s® Zero Liability Protection programnegative balance before they are available to you; however, you will not be held responsible for unauthorized Debit able to make any transactions using your Card transactions processed by Mastercard® provided until it has a positive balance, i.e., sufficient funds to cover the negative balance. If you exercised reasonable care in safeguarding have not reloaded your Card with sufficient funds to cover the negative balance within sixty (60) days of its creation, we have the right to cancel your Card Account. Additionally, we have the right to collect funds, equal to or less than the negative balance, from risk of loss or theft and, upon becoming aware of such loss or theft, promptly reported the loss or theft to any other Card Account(s) you may have with us. Unauthorized use means In all instances described above, loads to your Card may be made via Direct Deposit or any of the other load methods allowed for this Card. You do not have the right to stop payment on any purchase or payment transaction (other than preauthorized debit transactions described above) originated by use of your Card or Virtual Account. Should you voluntarily discontinue use of the Card, you shall remain responsible for the negative balance on your Card and agree that any credits or loads made to your Card will be used to offset the value of the negative balance, if any. Non-Visa Debit Transactions New procedures are in effect that may impact you when you use your Card by at certain merchant locations. In the past, transactions have been processed as Visa debit transactions unless you entered a person other than youPIN. Now, who does if you do not have actualenter a PIN, implied, or apparent authority for such use, and from which you receive no benefit. Failure to notify us promptly of your suspected unauthorized transaction may result in liability of up to $500.00 if not reported within 2 (two) business days of discovery. Your liability transactions may be unlimited, and include subsequent transfers, if reported more than 60 days after the transmittal of the statement on which the unauthorized processed as either a Visa debit transaction appears. If your delay in notifying us is due to extenuating circumstances (such or as a hospital stay)PULSE transaction. Merchants are responsible for and must provide you with a clear way of choosing to make a Visa debit transaction if they support the option. Please be advised that should you choose to use the PULSE network when making a transaction without a PIN, we shall extend the times specified different terms may apply. Certain protections and rights applicable only to a reasonable period. This additional limitation on liability does Visa debit transactions as described in this Agreement will not apply to PINtransactions processed on the PULSE network. Please refer to the paragraph labeled “Your Liability for Unauthorized Transfers” for a description of these rights and protections applicable to Visa debit and non-based transactions Visa debit transactions. To initiate a Visa debit transaction at the POS, swipe your Card through a POS terminal, sign the receipt, or transactions not processed provide your 16-digit Card number for a mail order, telephone, or Internet purchase. To initiate a non-Visa debit transaction at the POS, enter your PIN at the POS terminal or provide your 16-digit Card number after clearly indicating a preference to route your transaction as a non-Visa debit transaction for certain bill payment, mail order, telephone, or Internet purchases. Virtual Account To purchase or lease goods or services or make payments by Mastercard®telephone or online without presenting your Card, you may request up to six (6) active Virtual Accounts. Contact in Each Virtual Account consists of a 16-digit account number, a 3-digit security code, and an expiration date. Each Virtual Account expires one year from the Event last day of Unauthorized Transfer If the calendar month during which the Virtual Account was created. For example, if a Virtual Account is created on February 24, 2015, its expiration date is February 29, 2016. When you think use your card and/or PIN has been lost or stolen or that someone has transferred or may transfer money from your Virtual Account without presenting your permissionCard, please call us at 000-000-0000 or write to us at: Brookline Bank, PO Box 470469, Brookline, MA 02447-0469, Attn: Electronic Bankingthe legal effect will be the same as if you used the Card itself. You should also call this number or write to this address if must first register your Card with us before you believe an electronic funds transfer has been made using can request a Virtual Account (see the information from your check without your permissionsection labeled “Activate Your Card”).

Liability for Failure to Stop Payment of Preauthorized Transfer. If you properly order us to stop one of these payments three (3) business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages. Please refer to our Online Banking Agreement for information on changing, canceling or stopping a bill payment transaction you have previously scheduled Your Liability for Unauthorized Transactions Transactions: Unauthorized use means the use of your Debit Card by a person other than you, who does not have actual, implied, or apparent authority for such use, and from which you receive no benefit. You must contact us immediately if you believe your card, password, Personal Identification Number (PIN), or similar code has been lost, stolen, or used without your permission, or if you believe that an electronic fund transfer has been or may be made without your permission using information from your check. Under Mastercard’s® Zero Liability Protection program, you will not be held responsible for unauthorized Debit Card transactions processed by Mastercard® provided you exercised reasonable care in safeguarding the Card from risk of loss or theft and, upon becoming aware of such loss or theft, promptly reported the loss or theft to us. Unauthorized use means the use of your Debit Card by a person other than you, who does not have actual, implied, or apparent authority for such use, and from which If you receive no benefit. Failure to notify us promptly of your suspected unauthorized transaction may result in liability of up to $500.00 if not reported within 2 two (two2) business days after you learn of discoverythe loss or theft of your Card and/or PIN or your Card and/or PIN that has been used without your permission, $50 is the maximum you can lose. Your liability If you do not notify us within two (2) business days and we prove that we could have stopped someone from using your Card and/or PIN without your permission, you can lose as much as $500. You should tell us immediately if your statement shows transactions that you did not make. If you do not tell us within sixty (60) calendar days from the date that the statement was sent to you, you may be unlimited, and include subsequent transfers, if reported more than 60 days not get back any money you lost after the transmittal of sixty (60) calendar days if we can prove that we could have stopped the statement on which the subsequent unauthorized transaction appearstransaction(s) if you had told us in time. If your delay in notifying us is due to extenuating circumstances (such as a hospital stay), we shall extend the times specified to a reasonable period. This additional limitation on liability does not apply to PIN-based transactions or transactions not processed by Mastercard®. Contact in the Event of Unauthorized Transfer Transfer: If you think your card and/or PIN has been lost or stolen or that someone has transferred or may transfer money from your Account without your permission, please call write to us at PCSB Bank, Attn: ATM Department, 0000 Xxxxxx Xxxx, P.O. Box 712, Yorktown Heights, NY 10598 or telephone us at 000-000-0000 or write to us at: Brookline Bank0000. Please provide your name, PO Box 470469Account number, Brookline, MA 02447-0469, Attn: Electronic Banking. You should also call this number or write to this address if and why you believe there is an electronic funds transfer has been made using inaccuracy or describe the information from your check without your permissionitem you are not sure about. We will complete our investigation, notify you of our findings, and, if necessary, submit corrections, as required by the Fair Credit Reporting Act.

Liability for Failure to Stop Payment of Preauthorized Transfer. If you properly order us to stop one of these payments a preauthorized payment three (3) business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages. Please refer to our Online Banking Agreement for information on changing, canceling or stopping a bill payment transaction you have previously scheduled Your Liability for Unauthorized Transactions You must contact Transfers. Contact us immediately at once if you believe your cardDebit Card, password, Personal Identification Number (PIN), PIN or similar code Deposit Account number has been lost, stolen, or used without . Telephoning is the best way to minimize your permission, or if you believe that an electronic fund transfer has been or may be made without your permission using information from your check. Under Mastercard’s® Zero Liability Protection program, you will not be held responsible for unauthorized Debit Card transactions processed by Mastercard® provided you exercised reasonable care in safeguarding the Card from risk of loss or theft and, upon becoming aware of such loss or theft, promptly reported the loss or theft to us. Unauthorized use means the use of your Debit Card by a person other than you, who does not have actual, implied, or apparent authority for such use, and from which you receive no benefit. Failure to notify us promptly of your suspected unauthorized transaction may result in liability of up to $500.00 if not reported within 2 (two) business days of discovery. Your liability may be unlimited, and include subsequent transfers, if reported more than 60 days after the transmittal of the statement on which the unauthorized transaction appearspossible losses. If your delay in notifying us is due to extenuating circumstances (such as a hospital stay)Debit Card, we shall extend the times specified to a reasonable period. This additional limitation on liability does not apply to PIN-based transactions PIN or transactions not processed by Mastercard®. Contact in the Event of Unauthorized Transfer If you think your card and/or PIN Deposit Account number has been lost or stolen stolen, or that someone has transferred or may transfer money from your Deposit Account without your permission, please call us customer support at 0- 000-000-0000 or write to us at: Brookline Bank(844-MY TBANX). Under Visa U.S.A. Inc. Operating Regulations, PO Box 470469, Brookline, MA 02447-0469, Attn: Electronic Banking. You should also call this number or write to this address your liability for unauthorized Visa debit transactions on your Deposit Account is $0.00 if you believe an electronic funds transfer has been made using are not grossly negligent or fraudulent in the information from handling of your check Debit 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. If the Visa Zero Liability Rules do not apply, if you notify us within two (2) business days after you learn of any unauthorized transactions, you may be liable for no more than $50.00 if someone used your Deposit Account without your permission. If you do not notify us within two (2) business days after you learn of the loss or theft of your Debit Card, Deposit Account number or PIN and we can prove that we could have stopped someone from using your Deposit Account without your permission if you had promptly notified us, you may be liable for as much as $500.00. If you become aware of and/or your statement shows transactions that you did not make, notify us at once following the procedures stated in the section labeled “Information About Your Right to Dispute Errors“. If you do not notify us within sixty (60) days after you become aware of the transaction(s) and/or the statement was made available to you, you may not get back any of the value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking value if you had notified us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If your Debit Card, PIN or Deposit Account number has been lost or stolen, we will close your Debit Card and/or Deposit Account to keep losses down and send you a replacement Debit Card and/or Deposit Account number. If your Deposit Account changes you must immediately notify your employer or any other payors or merchants. You must provide them with your new Deposit Account number to ensure that your direct deposit and/or ACH Debit activity continues uninterrupted.

Liability for Failure to Stop Payment of Preauthorized Transfer. If you properly order us to stop one of these payments a preauthorized payment three (3) business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages. Please refer to our Online Banking Agreement for information on changing, canceling or stopping a bill payment transaction you have previously scheduled Your Liability for Unauthorized Transactions You must contact Transfers. Contact us immediately at once if you believe your cardDebit Card, password, Personal Identification Number (PIN), PIN or similar code Deposit Account number has been lost, stolen, or used without . Telephoning is the best way to minimize your permission, or if you believe that an electronic fund transfer has been or may be made without your permission using information from your check. Under Mastercard’s® Zero Liability Protection program, you will not be held responsible for unauthorized Debit Card transactions processed by Mastercard® provided you exercised reasonable care in safeguarding the Card from risk of loss or theft and, upon becoming aware of such loss or theft, promptly reported the loss or theft to us. Unauthorized use means the use of your Debit Card by a person other than you, who does not have actual, implied, or apparent authority for such use, and from which you receive no benefit. Failure to notify us promptly of your suspected unauthorized transaction may result in liability of up to $500.00 if not reported within 2 (two) business days of discovery. Your liability may be unlimited, and include subsequent transfers, if reported more than 60 days after the transmittal of the statement on which the unauthorized transaction appearspossible losses. If your delay in notifying us is due to extenuating circumstances (such as a hospital stay)Debit Card, we shall extend the times specified to a reasonable period. This additional limitation on liability does not apply to PIN-based transactions PIN or transactions not processed by Mastercard®. Contact in the Event of Unauthorized Transfer If you think your card and/or PIN Deposit Account number has been lost or stolen stolen, or that someone has transferred or may transfer money from your Deposit Account without your permission, please call us customer support at 0- 000-000-0000 or write to us at: Brookline Bank(844-MY TBANX). Under Visa U.S.A. Inc. Operating Regulations, PO Box 470469, Brookline, MA 02447-0469, Attn: Electronic Banking. You should also call this number or write to this address your liability for unauthorized Visa debit transactions on your Deposit Account is $0.00 if you believe an electronic funds transfer has been made using are not grossly negligent or fraudulent in the information from handling of your check Debit 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. If the Visa Zero Liability Rules do not apply, if you notify us within two (2) business days after you learn of any unauthorized transactions, you may be liable for no more than $50.00 if someone used your Deposit Account without your permission. If you do not notify us within two (2) business days after you learn of the loss or theft of your Debit Card, Deposit Account number or PIN and we can prove that we could have stopped someone from using your Deposit Account without your permission if you had promptly notified us, you may be liable for as much as $500.00. If you become aware of and/or your statement shows transactions that you did not make, notify us at once following the procedures stated in the section labeled ͞/ŶĨŽƌAbŵouĂt ƚYoŝurŽRigŶht to Dispute ƌƌŽIf ƌyoƐu d͞o ͘not notify us within sixty (60) days after you become aware of the transaction(s) and/or the statement was made available to you, you may not get back any of the value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking value if you had notified us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If your Debit Card, PIN or Deposit Account number has been lost or stolen, we will close your Debit Card and/or Deposit Account to keep losses down and send you a replacement Debit Card and/or Deposit Account number. If your Deposit Account changes you must immediately notify your employer or any other payors or merchants. You must provide them with your new Deposit Account number to ensure that your direct deposit and/or ACH Debit activity continues uninterrupted.