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 order us to stop one of these electronic payments 3 business days or more before the transfer is scheduled to be made, and we do not do so, we will be liable for your losses or damages. Consumer Liability (applicable to electronic fund transfers to or from a consumer account as provided under the EFTA and its implementing Regulation E) Tell us AT ONCE if you believe any part of your Security Credential, including your password, has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission 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, as applicable). If you tell us within 2 business days after you learn of the loss or theft of any part of your Security Credential, including your password, you can lose no more than $50 if someone used your Security Credential without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft of any part of your Security Credential, including your password, and we can prove that we could have stopped someone from using the Security Credential 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 by card, code or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any funds you lost after the 60 days if we can prove that we could have stopped someone from taking said funds if you informed 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. Errors and Questions (applicable to electronic fund transfers to or from a consumer account as provided under the EFTA and its implementing Regulation E) In case of errors or questions about your electronic transfers, telephone us at 0-000-000-0000, or write us at: Commercial Bank of California, Treasury Services Department, 00000 XxxXxxxxx Xxxx, Xxxxx 000, Xxxxxx XX 00000, 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 sixty (60) days after we sent you the FIRST statement on which the problem or error appeared. • Tell us your name and account number (if any). • 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. • The dollar amount of the suspected error. If you tell us orally, we may require you to send us the complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate a complaint or question. If we decide to do this, we will credit your account within 10 business days 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. 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 for the amount you think is in error. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may request copies of the documents that were used in the investigation.

Liability for Failure to Stop Payment of Preauthorized Transfer. If you order us to stop one of these electronic payments 3 three (3) business days or more before the transfer is scheduled to be made, and we do not do so, we will be liable for your losses or damages. Consumer Liability (applicable to electronic fund transfers to or from a consumer account as provided under the EFTA and its implementing Regulation E) Tell us AT ONCE if you believe any part of your Security CredentialCode, including your password, has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission 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, as applicable). If you tell us within 2 two (2) business days after you learn of the loss or theft of any part of your Security CredentialCode, including your password, you can lose no more than $50 if someone used your Security Credential Code without your permission. If you do NOT tell us within 2 two (2) business days after you learn of the loss or theft of any part of your Security CredentialCode, including your password, and we can prove that we could have stopped someone from using the Security Credential Code without your permission if you had told us, you could lose as much as $500. Also, if your periodic statement shows transfers that you did not make, including those made by card, code or other means, tell us at once. If you do not tell us within 60 sixty (60) days after the periodic statement was mailed to you, you may not get back any funds you lost after the 60 sixty (60) days if we can prove that we could have stopped someone from taking said funds if you informed 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. Errors and Questions (applicable to electronic fund transfers to or from a consumer account as provided under the EFTA and its implementing Regulation E) In case of errors or questions about your electronic transfers, telephone us at 0-000-000-0000, or write us at: Commercial Bank of California, Treasury Services Department, 00000 XxxXxxxxx Xxxx, Xxxxx 000, Xxxxxx XX 00000, 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 sixty (60) days after we sent you the FIRST statement on which the problem or error appeared. • Tell us your name and account number (if any). • 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. • The dollar amount of the suspected error. If you tell us orally, we may require you to send us the complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate a complaint or question. If we decide to do this, we will credit your account within 10 business days 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. 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 for the amount you think is in error. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may request copies of the documents that were used in the investigation.

Liability for Failure to Stop Payment of Preauthorized Transfer. If you order us to stop one of these electronic payments 3 three (3) business days or more before the transfer is scheduled to be made, and we do not do so, we will be liable for your losses or damages. damages Consumer Liability (applicable to electronic fund transfers to or from a consumer account as provided under the EFTA and its implementing Regulation E) Tell us AT ONCE if you believe any part of your Security CredentialCode, including your password, has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission 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, as applicable). If you tell us within 2 two (2) business days after you learn of the loss or theft of any part of your Security CredentialCode, including your password, you can lose no more than $50 if someone used your Security Credential Code without your permission. Cash Management Support Department FM 299 ONLINE BANKING ACCESS AGREEMENT & ELECTRONIC FUND TRANSFER ACT DISCLOSURE‌‌ If you do NOT tell us within 2 two (2) business days after you learn of the loss or theft of any part of your Security CredentialCode, including your password, and we can prove that we could have stopped someone from using the Security Credential Code without your permission if you had told us, you could lose as much as $500. Also, if your periodic statement shows transfers that you did not make, including those made by card, code or other means, tell us at once. If you do not tell us within 60 sixty (60) days after the periodic statement was mailed to you, you may not get back any funds you lost after the 60 sixty (60) days if we can prove that we could have stopped someone from taking said funds if you informed 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. Errors and Questions (applicable to electronic fund transfers to or from a consumer account as provided under the EFTA and its implementing Regulation E) In case of errors or questions about your electronic transfers, telephone us at 0-000-000-0000, or write us at: Commercial Bank of California, Treasury Services Department, 00000 XxxXxxxxx Xxxx, Xxxxx 000, Xxxxxx XX 00000, 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 sixty (60) days after we sent you the FIRST statement on which the problem or error appeared. • Tell us your name and account number (if any). • 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. • The dollar amount of the suspected error. If you tell us orally, we may require you to send us the complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate a complaint or question. If we decide to do this, we will credit your account within 10 business days 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. 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 for the amount you think is in error. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may request copies of the documents that were used in the investigation.

Liability for Failure to Stop Payment of Preauthorized Transfer. If you order us to stop one of these electronic payments 3 business days or more before the transfer is scheduled to be made, and we do not do so, we will be liable for your losses or damages. Consumer Liability (applicable to electronic fund transfers to or from a consumer account as provided under the EFTA and its implementing Regulation E) Tell us AT ONCE if you believe any part of your Security CredentialCode, including your password, has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission 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, as applicable). If you tell us within 2 business days after you learn of the loss or theft of any part of your Security CredentialCode, including your password, you can lose no more than $50 if someone used your Security Credential Code without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft of any part of your Security CredentialCode, including your password, and we can prove that we could have stopped someone from using the Security Credential 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 by card, code or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any funds you lost after the 60 days if we can prove that we could have stopped someone from taking said funds the money if you informed 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. Errors and Questions (applicable to electronic fund transfers to or from a consumer account as provided under the EFTA and its implementing Regulation E) In case of errors or questions about your electronic transfers, telephone us at 0-000-000-0000, or write us at: Commercial Bank of California: First Northern Bank, Treasury Services DepartmentClient Solutions, 00000 XxxXxxxxx XxxxP.O. Box 547, Xxxxx 000Dixon, Xxxxxx XX 00000, CA 95620. 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 sixty (60) days after we sent you the FIRST statement on which the problem or error appeared. • Tell us your name and account number (if any). • Describe the error or the transfer you are unsure about, about and explain as clearly as you can why you believe it is an error or why you need more information. • The dollar amount of the suspected error. If you tell us orally, we may require you to send us the complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate a complaint or question. If we decide to do this, we will credit your account within 10 business days 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. 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 for the amount you think is in error. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may request copies of the documents that were used in the investigation.

Liability for Failure to Stop Payment of Preauthorized Transfer. If you order us to stop one of these electronic payments 3 business days or more before the transfer is scheduled to be madescheduled, and we do not do so, we will be liable for your losses or damagesdamages . Consumer Liability (applicable to electronic fund transfers to or from a consumer account as provided under the EFTA and its implementing Regulation E) Tell us AT ONCE if you believe any part of your Security Credential, including your password, debit card or Personal Identification Number has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your checkcheck . 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, as applicable)) . If you tell us within 2 business days after you learn of the loss or theft of any part of your Security Credential, including your passwordPersonal Identification Number, you can lose no more than $50 if someone used your Security Credential Personal Identification Number without your permissionpermission . If you do NOT tell us within 2 business days after you learn of the loss or theft of any part of your Security Credential, including your passwordPersonal Identification Number, and we can prove that we could have stopped someone from using the Security Credential your Personal Identification Number 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 by card, code or other means, tell us at onceonce . If you do not tell us within 60 days after the statement was mailed sent to you, you may not get back any funds money you lost after the 60 days if we can prove that we could have stopped someone from taking said funds the money if you informed had told us in timetime . If a good reason (such as a long trip or a hospital stay), ) kept you from telling us, we will extend the time periods. Errors and Questions (applicable to electronic fund transfers to or from a consumer account as provided under the EFTA and its implementing Regulation E) In case of errors or questions about your electronic transfers, telephone us at 0-000-000-0000, or write us at: Commercial Bank of California, Treasury Services Department, 00000 XxxXxxxxx Xxxx, Xxxxx 000, Xxxxxx XX 00000, 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 sixty (60) days after we sent you the FIRST statement on which the problem or error appeared. • Tell us your name and account number (if any). • 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. • The dollar amount of the suspected error. If you tell us orally, we may require you to send us the complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate a complaint or question. If we decide to do this, we will credit your account within 10 business days 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. 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 for the amount you think is in error. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may request copies of the documents that were used in the investigationperiods .

Liability for Failure to Stop Payment of Preauthorized Transfer. If you order us to stop one of these electronic payments 3 three (3) business days or more before the transfer is scheduled to be made, and we do not do so, we will be liable for your losses or damages. damages Consumer Liability (applicable to electronic fund transfers to or from a consumer account as provided under the EFTA and its implementing Regulation E) Tell us AT ONCE if you believe any part of your Security CredentialCode, including your password, has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission 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, as applicable). If you tell us within 2 two (2) business days after you learn of the loss or theft of any part of your Security CredentialCode, including your password, you can lose no more than $50 if someone used your Security Credential Code without your permission. Treasury Management Services FM 299 ONLINE BANKING ACCESS AGREEMENT & ELECTRONIC FUND TRANSFER ACT DISCLOSURE If you do NOT tell us within 2 two (2) business days after you learn of the loss or theft of any part of your Security CredentialCode, including your password, and we can prove that we could have stopped someone from using the Security Credential Code without your permission if you had told us, you could lose as much as $500. Also, if your periodic statement shows transfers that you did not make, including those made by card, code or other means, tell us at once. If you do not tell us within 60 sixty (60) days after the periodic statement was mailed to you, you may not get back any funds you lost after the 60 sixty (60) days if we can prove that we could have stopped someone from taking said funds if you informed 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. Errors and Questions (applicable to electronic fund transfers to or from a consumer account as provided under the EFTA and its implementing Regulation E) In case of errors or questions about your electronic transfers, telephone us at 0-000-000-0000, or write us at: Commercial Bank of California, Treasury Services Department, 00000 XxxXxxxxx Xxxx, Xxxxx 000, Xxxxxx XX 00000, 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 sixty (60) days after we sent you the FIRST statement on which the problem or error appeared. • Tell us your name and account number (if any). • 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. • The dollar amount of the suspected error. If you tell us orally, we may require you to send us the complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate a complaint or question. If we decide to do this, we will credit your account within 10 business days 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. 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 for the amount you think is in error. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may request copies of the documents that were used in the investigation.

Liability for Failure to Stop Payment of Preauthorized Transfer. If you order us to stop one of these electronic payments 3 business days or more before the transfer is scheduled to be madescheduled, and we do not do so, we will be liable for your losses or damages. Consumer Liability (applicable to electronic fund transfers to or from a consumer account as provided under the EFTA and its implementing Regulation E) Tell us AT ONCE if you believe any part of your Security Credential, including your password, Code or Password has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission 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, as applicable). If you tell us within 2 business days after you learn of the loss or theft of any part of your Security Credential, including your passwordCode or Password, you can lose no more than $50 if someone used your Security Credential Code or Password without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft of any part of your Security Credential, including your passwordCode or Password, and we can prove that we could have stopped someone from using the Security Credential your Code or Password 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 by card, code or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed sent to you, you may not get back any funds money you lost after the 60 days if we can prove that we could have stopped someone from taking said funds the money if you informed 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. Errors and Questions (applicable to electronic fund transfers to or from a consumer account as provided under the EFTA and its implementing Regulation E) In case of errors or questions about your electronic transfers, telephone us at 0-000-000-0000, or write us at: Commercial Bank of California, Treasury Services Department, 00000 XxxXxxxxx Xxxx, Xxxxx 000, Xxxxxx XX 00000, 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 sixty (60) days after we sent you the FIRST statement on which the problem or error appeared. • Tell us your name and account number (if any). • 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. • The dollar amount of the suspected error. If you tell us orally, we may require you to send us the complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate a complaint or question. If we decide to do this, we will credit your account within 10 business days 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. 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 for the amount you think is in error. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may request copies of the documents that were used in the investigation.