Common use of Your Liability Clause in Contracts

Your Liability. Your deposit accounts are protected from unauthorized UMB ATM Network transactions because you are the only one who should know your Personal Identification Number (“PIN”). Your Card cannot be used at an ATM or POS terminal without your PIN. If your Card is lost or stolen, or your Card and PIN are used without your authorization, you should know the steps you must take to safeguard your deposit account and minimize your liability. You should not store your Card and PIN information together. You must tell us AT ONCE if you believe your Card and/or PIN has been lost or stolen or if you believe that an electronic funds transfer has been made without your permission. Telephoning us promptly is the best way of reducing your possible losses. You could lose all the money in your deposit account plus the amount of overdraft protection available to you. In the case of TotalCheck Overdraft Protection, the maximum amount would be the line of credit available to you. In the case of Credit Card Overdraft Protection, the maximum amount would be the line of credit available to you. In the case of overdraft protection via Account-to- Account transfer from another deposit account that you maintain with us, the maximum amount would be the balance in that account. If you tell us within two (2) business days, you can lose no more than $50 if someone used your Card or PIN without your permission. If you DO NOT tell us within two (2) business days after you learn of the loss or theft of your Card and we can prove that we could have stopped someone from using your Card or PIN without your permission if you had told us, you could lose as much as $500. Also, if your statement shows transfers that you did not make, including those made by Card, PIN, or other means, tell us AT ONCE. If you do not tell us within sixty (60) calendar days after the statement was mailed or made available to you, you may not get back any money you lost if we can prove that we could have stopped someone from taking the money if you had told us in time. If extenuating circumstances prevented you from telling us, we will extend the time periods. The liability limits described above are the limits of your liability under federal or other applicable law and regulations. However, when you use a Card or Card number to make an electronic funds transfer you will have no liability for unauthorized transactions unless we invoke one of the following exceptions. You must have reported the loss or theft of your Card to us in a reasonably prompt manner, and you must not have been grossly negligent or acted fraudulently in handling your Card or account. If we reasonably determine, based on substantial evidence, that you were grossly negligent in the handling of your Card or account (such as by filing an excessively late claim), or acted fraudulently in the handling of your Card or account, you may be liable for those transactions that occurred prior to your notification as provided under federal or other applicable laws and regulations. If you believe your Card and/or PIN have been lost or stolen or that someone has transferred or may transfer money from your account, telephone us at (000) 000-0000 or write us at the address shown at the beginning of this disclosure. You should also telephone us or write us at the address listed in this disclosure if you believe a transfer has been made using the information from your check without your permission.

Your Liability. Your deposit accounts are protected from unauthorized UMB ATM Network transactions because you are the only one who should know your Personal Identification Number (“PIN”/CODE). Your Card cannot be used at an ATM or POS terminal without your PIN/CODE. If your Card is lost or stolen, or your Card and PIN PIN/CODE are used without your authorization, you should know the steps you must take to safeguard your deposit account and minimize your liability. You should not store your Card and PIN information together. You must tell Tell us AT ONCE if you believe your Card and/or PIN PIN/CODE has been lost or stolen or if you believe that an electronic funds transfer has been made without your permissionpermission using information from your check. Telephoning us promptly is the best way of reducing your possible losses. You could lose all the money in your deposit account plus the amount of overdraft protection available to you. (In the case of TotalCheck Overdraft Protection, the maximum amount would be the line of credit available to you. In the case of Credit Card Overdraft Protection, the maximum amount would be the line of credit available to you. In the case of overdraft protection via Account-to- to-Account transfer from another deposit account that you maintain with us, the maximum amount would be the balance in that account. .) If you tell us within two (2) business days, you can lose no more than $50 if someone used your Card or PIN PIN/CODE without your permission. If you DO NOT tell us within two (2) business days (four (4) business days if a Kansas resident) after you learn of the loss or theft of your Card and we can prove that we could have stopped someone from using your Card or PIN PIN/CODE without your permission if you had told us, you could lose as much as $500500 ($300 if Kansas resident, or $50 if you are a Colorado resident and your account is a personal (consumer) account, i.e. it is held primarily for personal, family or household purposes). If your account is a personal (consumer) account and you are a resident of Colorado and the unauthorized use occurs through no fault of your own, you will have no liability for the unauthorized use. Also, if your statement shows transfers that you did not make, including those made by Card, PIN, CODE or other means, tell us AT ONCE. If you do not tell us within sixty (60) calendar days after the statement was mailed or made available to you, you may not get back any money you lost after the sixty (60) calendar days if we can prove that we could have stopped someone from taking the money if you had told us in time. If extenuating circumstances prevented you from telling us, we will extend the time periods. The liability limits described above are the limits of your liability under federal Federal or other applicable law and regulations. However, when you use a Card or Card number to make an electronic funds transfer you will have no liability for unauthorized transactions unless we invoke one of the following exceptions. You must have reported the loss or theft of your Card to us in a reasonably prompt manner, and you must not have been grossly negligent or acted fraudulently in handling your Card or Card account. If we reasonably determine, based on substantial evidence, that you were grossly negligent in the handling of your Card or Card account (such as by filing an excessively late claim), or acted fraudulently in the handling of your Card or Card account, you may be liable for those transactions that occurred prior to your notification as provided under federal Federal or other applicable laws and regulations. If you believe your Card and/or PIN PIN/CODE have been lost or stolen or that someone has transferred or may transfer money from your account, telephone us at (000) 000-0000 the numbers listed below or write us at the address shown at the beginning of this disclosure. • UMB ATM card at (000) 000-0000; • UMB Visa Debit Card/UMB VISA card at (000) 000-0000 and (000) 000-0000 or, if no answer, call (000) 000-0000. You should also telephone us or write us at the address listed in this disclosure if you believe a transfer has been made using the information from your check without your permission.

Your Liability. Your deposit accounts Unless otherwise directed by us, you must not use or attempt to use your account while it is suspended or has been closed. You must ensure that all agreements with sellers or other third parties that involve third party initiated payments (including billing agreement payments) set up from your account are protected from unauthorized UMB ATM Network transactions because cancelled immediately upon the termination, suspension or closure of your account. You remain liable under this user greement in respect of all charges and other amounts incurred through the use of your account at any time, irrespective of termination, suspension or closure. Holds, Limitations, and Reserves What are holds, limitations and reserves? Under certain circumstances, in order to protect PayPal and the security and integrity of the network of buyers and sellers that use the PayPal services, PayPal may take account-level or transaction-level actions. If we take any of the actions described here, we will normally notify you of our actions, but we may, if it is reasonable to do so (for example if you are the only one who should know your Personal Identification Number (“PIN”in breach of this user agreement or we consider it advisable for security reasons), take any of these actions without prior notice to you. Your Card cannot be used at To request information in connection with an ATM account limitation, hold or POS terminal without your PIN. If your Card is lost or stolen, or your Card and PIN are used without your authorizationreserve, you should know visit the steps you must take Resolution Centre or follow the instructions in our email notice with respect to safeguard the limitation, hold or reserve. You acknowledge and agree that any funds held under this user agreement may be placed in your deposit reserve account and minimize that you will provide to us any information as we may reasonably request to allow us to determine whether the risk has passed. Holds A hold is an action that PayPal may take under certain circumstances either at the transaction level or the account level. When PayPal places a hold on a payment amount, the money is not available to either the sender or the recipient. PayPal reviews many factors before placing a hold on a payment, including: account tenure, transaction activity, business type, past customer disputes, and overall customer satisfaction. Some common situations where PayPal will hold payments include where we have reason to believe that: • Transactions are higher risk, this can be where the transaction involves the sale of goods or services in a high risk category, or other facts known to us typically resulting in an increased number of chargebacks, other claims or disputes or to be often involved in fraud or illegal activity; • There is a sudden and abnormal change in a PayPal account holder’s selling activity including an increase in the number of chargebacks, reversals, or buyer complaints received in relation to such PayPal account; • Any PayPal account is being used in relation to restricted activities; • A PayPal account involved in the transaction may have been compromised, or that stolen financial details (bank or credit card) are used for the payment, or otherwise a transaction has not been properly authorised; • A user is trying to send or withdraw funds they received fraudulently; • A user has not provided sufficient Information to us to enable us to verify their identity or the identity of their business and/or the user has a limited trading history with PayPal; • A payment sent to you as a seller is challenged as a payment that should be invalidated and reversed. • Your buyer files a chargeback, reversal or PayPal Buyer Protection claim on a payment you received. • Your buyer files a claim under a marketplace’s resolution process. • There is a risk of reversal of funds in your liabilityaccount to your funding source. • There is a risk of liability (a non-exhaustive list of examples of such risk is set out in the section Actions We May Take If You Engage In Any Restricted Activities above). Payment review When we identify a potentially high-risk transaction, we review the transaction more closely before allowing it to proceed. This may be because we have the reasonable suspicion that the payer’s PayPal account is being used in relation to restricted activities or for other reasons as determined by us in our reasonable discretion. This may include where there is a risk of liability (a non-exhaustive list of examples of such risk is set out in the section Actions We May Take If You Engage In Any Restricted Activities above). If a payment is subject to payment review, we may: • execute the payment order initiated by the buyer; • in our discretion, immediately upon such execution restrict the payer’s account; • place a hold on the payment [in the payer’s account]; and/or • notify the recipient to delay the delivery of the purchase paid for by the payment. As a buyer, this may delay your receipt of the item you purchased. If we clear the transaction, we will notify the seller and direct them to ship the item. If we don’t clear the transaction, we will cancel it and return the funds to you, unless we are legally required to take other action. All payments that complete payment review are still subject to being reversed under the terms of this user agreement but will be Seller Protection eligible if they meet the Seller Protection requirements. PayPal will provide notices to you by email and/or in the transaction history tab of your PayPal account. A payment subject to payment review is a review of the payment only and is implemented to reduce the risk of PayPal users receiving high risk transactions. A payment subject to payment review is neither a review nor a representation by PayPal as to the commercial dealings, character or reputation of a party to the payment transaction and should not store be considered as a lessening of the respect of any person. Holds related to your Card instructions Certain PayPal functionality may allow you (whether directly or via someone you permit to act on your behalf, like an online marketplace platform on which you transact as a seller) to instruct us to hold your funds (including the proceeds of payments you receive using PayPal) in your reserve account. In such a case we will show you the availability status of those funds in your balance – the status descriptions may differ according to the functionality you used to instruct us to place the hold. We will release the hold on the funds according to the instruction that you (or the entity that you have permitted to act on your behalf) give to us, subject to the rest of this user agreement. Account Limitations Limitations are implemented to help protect PayPal, buyers and PIN sellers when we notice restricted activities, an increased financial risk, or activity that appears to us as unusual or suspicious. Limitations also help us collect information togethernecessary for keeping your PayPal account open. You must tell us AT ONCE if you There are several reasons why your PayPal account could be limited, including where we have reason to believe that: • Someone could be using your Card and/or PIN PayPal account without your knowledge, then we’ll limit it for your protection and look into the fraudulent activity. • Someone has been lost used your card or stolen or if you believe that an electronic funds transfer has been made bank account without your permission, for example if your debit or credit card issuer or bank alerts us to this. Telephoning us promptly • You have breached this user agreement or violated the Acceptable Use Policy. • Your performance as a seller indicate your PayPal account is high risk. Examples include: indications of poor selling performance because you’ve received an unusually high number of claims and chargebacks, selling an entirely new or high-cost product type, or if your typical sales volume increases rapidly. • There is a risk of liability (a non-exhaustive list of examples of such risk is set out in the best way of reducing section Actions We May Take If You Engage In Any Restricted Activities above). We may also limit your possible lossesPayPal account in order to comply with applicable law. You could lose all the money in will need to resolve any issues with your deposit account plus the amount of overdraft protection available to youbefore a limitation can be removed. In the case of TotalCheck Overdraft ProtectionNormally, the maximum amount would be the line of credit available to you. In the case of Credit Card Overdraft Protection, the maximum amount would be the line of credit available to you. In the case of overdraft protection via Account-to- Account transfer from another deposit account that you maintain with us, the maximum amount would be the balance in that account. If you tell us within two (2) business days, you can lose no more than $50 if someone used your Card or PIN without your permission. If you DO NOT tell us within two (2) business days this is done after you learn of provide us with the loss or theft of your Card and information we can prove that we could have stopped someone from using your Card or PIN without your permission if you had told us, you could lose as much as $500. Also, if your statement shows transfers that you did not make, including those made by Card, PIN, or other means, tell us AT ONCE. If you do not tell us within sixty (60) calendar days after the statement was mailed or made available to you, you may not get back any money you lost if we can prove that we could have stopped someone from taking the money if you had told us in time. If extenuating circumstances prevented you from telling us, we will extend the time periods. The liability limits described above are the limits of your liability under federal or other applicable law and regulationsrequest. However, when you use a Card or Card number to make an electronic funds transfer you will have no liability for unauthorized transactions unless we invoke one of the following exceptions. You must have reported the loss or theft of your Card to us in a reasonably prompt manner, and you must not have been grossly negligent or acted fraudulently in handling your Card or account. If if we reasonably determinebelieve a risk still exists after you have provided us that information, based on substantial evidencewe may take action to protect PayPal, that you were grossly negligent in the handling of your Card or account (such as by filing an excessively late claim)our users, a third party, or acted fraudulently in the handling of your Card or accountyou from reversals, you may be liable for those transactions that occurred prior to your notification as provided under federal or fees, fines, penalties, legal and/or regulatory risks and any other applicable laws and regulations. If you believe your Card and/or PIN have been lost or stolen or that someone has transferred or may transfer money from your account, telephone us at (000) 000-0000 or write us at the address shown at the beginning of this disclosure. You should also telephone us or write us at the address listed in this disclosure if you believe a transfer has been made using the information from your check without your permissionliability.

Your Liability. Your deposit accounts are protected from unauthorized UMB ATM Network transactions because you are the only one who should know your Personal Identification Identification Number (“PIN”/CODE). Your Card cannot be used at an ATM or POS terminal without your PIN/CODE. If your Card is lost or stolen, or your Card and PIN PIN/CODE are used without your authorization, you should know the steps you must take to safeguard your deposit account and minimize your liability. You should not store your Card and PIN information together. You must tell Tell us AT ONCE if you believe your Card and/or PIN PIN/CODE has been lost or stolen or if you believe that an electronic funds transfer has been made without your permissionpermission using information from your check. Telephoning us promptly is the best way of reducing your possible losses. You could lose all the money in your deposit account plus the amount of overdraft protection available to you. (In the case of TotalCheck Overdraft Protection, the maximum amount would be the line of credit available to you. In the case of Credit Card Overdraft Protection, the maximum amount would be the line of credit available to you. In the case of overdraft protection via Account-to- to-Account transfer from another deposit account that you maintain with us, the maximum amount would be the balance in that account. .) If you tell us within two (2) business days, you can lose no more than $50 if someone used your Card or PIN PIN/CODE without your permission. If you DO NOT tell us within two (2) business days (four (4) business days if a Kansas resident) after you learn of the loss or theft of your Card and we can prove that we could have stopped someone from using your Card or PIN PIN/CODE without your permission if you had told us, you could lose as much as $500500 ($300 if Kansas resident, or $50 if you are a Colorado resident and your account is a personal (consumer) account, i.e. it is held primarily for personal, family or household purposes). If your account is a personal (consumer) account and you are a resident of Colorado and the unauthorized use occurs through no fault of your own, you will have no liability for the unauthorized use. Also, if your statement shows transfers that you did not make, including those made by Card, PIN, CODE or other means, tell us AT ONCE. If you do not tell us within sixty (60) calendar days after the statement was mailed or made available to you, you may not get back any money you lost after the sixty (60) calendar days if we can prove that we could have stopped someone from taking the money if you had told us in time. If extenuating circumstances prevented you from telling us, we will extend the time periods. The liability limits described above are the limits of your liability under federal Federal or other applicable law and regulations. However, when you use a Card or Card number to make an electronic funds transfer you will have no liability for unauthorized transactions unless we invoke one of the following exceptions. You must have reported the loss or theft of your Card to us in a reasonably prompt manner, and you must not have been grossly negligent or acted fraudulently in handling your Card or Card account. If we reasonably determine, based on substantial evidence, that you were grossly negligent in the handling of your Card or Card account (such as by filing filing an excessively late claim), or acted fraudulently in the handling of your Card or Card account, you may be liable for those transactions that occurred prior to your notification notification as provided under federal Federal or other applicable laws and regulations. If you believe your Card and/or PIN PIN/CODE have been lost or stolen or that someone has transferred or may transfer money from your account, telephone us at (000) 000-0000 the numbers listed below or write us at the address shown at the beginning of this disclosure. • UMB ATM card at (000) 000-0000; • UMB Visa Debit Card/UMB VISA card at (000) 000-0000 and (000) 000-0000 or, if no answer, call (000) 000-0000. You should also telephone us or write us at the address listed in this disclosure if you believe a transfer has been made using the information from your check without your permission.

Your Liability. Your deposit accounts You are protected from unauthorized UMB ATM Network liable for Card transactions because you are do not authorize if we can prove that we processed the only one who should know your Personal Identification Number (“PIN”)transaction in good faith and in compliance with commercially reasonable security procedure to which we both agreed, unless otherwise required by law. Your Card cannot be used at an ATM or POS terminal without your PIN. If your Card is lost or stolen, or your Card and PIN are used without your authorization, you should know the steps you must take to safeguard your deposit account and minimize your liability. You should not store your Card and PIN information together. You must tell Tell us AT ONCE if you believe your Card and/or PIN has been lost or stolen or if you believe that an electronic funds transfer has been made without your permissionstolen. Telephoning Contacting us promptly by phone is the best way of reducing your keeping possible losseslosses down. You could lose all the money in your deposit account plus the amount of overdraft protection available to you. In the case of TotalCheck Overdraft Protection, the maximum amount would be the line of credit available to you. In the case of Credit Card Overdraft Protection, the maximum amount would be the line of credit available to you. In the case of overdraft protection via Account-to- Account transfer from another deposit account that you maintain with us, the maximum amount would be the balance in that account. If your Card and/or PIN is lost, stolen, or used without your permission, you tell agree to notify us within immediately and to promptly confirm such notice in writing. Your liability for transactions with your Card and/or PIN will continue until two (2) business days, you can lose no more than $50 if someone used your Card or PIN without your permission. If you DO NOT tell us within two (2) business days after you learn of the loss or theft of your Card and day we can prove that we could have stopped someone from using your Card or PIN without your permission if you had told us, you could lose as much as $500. Also, if your statement shows transfers that you did not make, including those made by Card, PIN, or other means, tell us AT ONCEreceive such written notice. If you do not tell notify us within sixty (60) calendar days after from when the periodic statement containing an unauthorized transaction was first mailed or made available to you, you may not get back any money you lost if we can prove that we could have stopped someone from taking the money if you had told us in time. If extenuating circumstances prevented you from telling us, we will extend be entitled to treat the time periods. The liability limits described above are information in the limits of your liability under federal or other applicable law and regulations. However, when you use a Card or Card number to make an electronic funds transfer you will have no liability for unauthorized transactions unless we invoke one of the following exceptions. You must have reported the loss or theft of your Card to us in a reasonably prompt mannerperiodic statement as correct, and you must not have been grossly negligent will be precluded from asserting otherwise. To Report a Lost or acted fraudulently in handling your Stolen Card or account. If we reasonably determineUnauthorized Transfer During business hours, based on substantial evidence, that you were grossly negligent in the handling of your Card or account (such as by filing an excessively late claim), or acted fraudulently in the handling of your Card or account, you may be liable for those transactions that occurred prior to your notification as provided under federal or other applicable laws and regulations. If you believe your Card and/or PIN have been lost or stolen or that someone has transferred or may transfer money from your account, telephone us at (call 000) -000-0000 or write visit one of our Banking Centers and for after hour calls, please call Customer Support at 1-800-417-8715. Error Resolution You agree to examine your receipts and periodic statements using ordinary care and to report any errors or problems to us within a reasonable time. You agree that the time to examine your statement and report to us will depend on the circumstances, but will not in any circumstance exceed a total of sixty (60) days from when the statement containing the error or problem was first mailed or made available to you. If you do not report within sixty (60) days, we will be entitled to treat such information as correct and you will be precluded from asserting otherwise. You further agree that if you fail to report to us any errors or problems within thirty (30) days from when the statement was first mailed or made available to you that we will not be required to pay interest on any refund to which you may be entitled. We will credit your account for errors or problems as required by law. If you provide us with timely notice of an error or problem in your periodic statement, we will investigate the matter and notify you of the results as soon as reasonably possible under the circumstances. You may ask for copies of the documents that we used in our investigation by calling 713-675-2341 or writing us at: Capital Bank X.X. Xxx 00000 Xxxxxxx, Xxxxx 00000 Agreement Your signature at the address shown at the beginning bottom of this disclosureform or use of your card will evidence your agreement to be bound by the terms and conditions of this Agreement. You should also telephone us Debit Card and ATM Card Usage Safety Tips  Keep your ATM or Debit Card in a safe place. Treat you card as you would cash or checks.  Do not send your card number through e-mail, as it is typically not secure.  If you receive a replacement card, destroy your old card.  Review your account statements carefully and inquire about any suspicious charges.  Memorize your personal identification number (PIN). Do not write us your PIN down anywhere and do not share your PIN with anyone.  When entering you PIN, ensure that no one sees it.  Shop with merchants you know and trust, especially when purchasing products or services on the Internet.  Consider utilizing the MasterCard Secure Code program which provides added protection to Debit Card customers who shop online with participating merchants. Visit our website at xxx.xxxxxxxxxxxxx.xxx for more information.  When purchasing on the Internet, make sure the website is secure. Secure websites will have a web address listed beginning with xxxxx://xxx... or look for a lock symbol in this disclosure if you believe a transfer has been made using the information from lower right-hand corner of your check without your permissionweb browser.

Your Liability. Your deposit accounts are protected from unauthorized UMB ATM Network transactions because you are the only one who should know your Personal Identification Number (“PIN”). Your Card cannot be used at an ATM or POS terminal without your PIN. If your Card is lost or stolen, or your Card and PIN are used without your authorization, you should know the steps you must take to safeguard your deposit account and minimize your liability. You should not store your Card and PIN information together. You must tell Tell us AT ONCE if you believe any of your Card and/or PIN has Security Credentials or ATM or debit cards ("Cards") have been lost or stolen or if you believe that an electronic funds transfer has been made someone, without your permission, has transferred or may transfer money from your Account, including a transfer made using the information from your check. Telephoning us promptly is the best way of reducing keeping your possible losseslosses down. You could lose all the money in your deposit account Account (plus the amount of overdraft protection available to you. In the case of TotalCheck Overdraft Protection, the maximum amount would be the of any line of credit available (such as a Checkline Reserve or EquityLine) or savings account linked to you. In the case of Credit Card Overdraft Protection, the maximum amount would be the line of credit available to you. In the case of your Account for overdraft protection via Account-to- Account transfer from another deposit account that you maintain with us, the maximum amount would be the balance in that accountpurposes. If you believe one or more of your Security Credentials or Cards has been lost or stolen, and you tell us within two (2) business daysBusiness Days after you learn of the loss or theft, you can lose no more than $50 if someone used for unauthorized transactions using your Card or PIN without your permissionCard. If you DO do NOT tell us within two (2) business days Business Days after you learn of the loss or theft of your Card Security Credentials or Card, and we can prove that we could have stopped someone from using your Security Credentials or Card or PIN without your permission if you had told us, you could lose as much as $500500 for the unauthorized transactions. AlsoLosses could include not only the money in your Account, if but also advances on any credit line associated with your Account. We will send you a monthly account statement for your checking and savings accounts unless there are no transfers in a particular month. In any case, we will send you a statement for your checking and savings accounts at least quarterly. The statement will show all transfers and payments you initiate through Digital Banking. If your statement shows transfers that you did not make, including those made by Card, PIN, use of your Security Credentials or other meansCards, tell us AT ONCEat once. If you do not tell us within sixty (60) calendar 60 days after the statement documenting the transfer was mailed or made available to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If extenuating circumstances prevented a good reason (such as a long trip or a hospital stay) kept you from telling us, we will may extend the time periods. The liability limits described above are the limits of your liability under federal or other applicable law and regulations. However, when you use a Card or Card number to make an electronic funds transfer you will have no liability for unauthorized transactions unless we invoke one of the following exceptions. You must have reported the loss or theft of your Card to us in a reasonably prompt manner, and you must not have been grossly negligent or acted fraudulently in handling your Card or account. If we reasonably determine, based on substantial evidence, that you were grossly negligent in the handling of your Card or account (such as by filing an excessively late claim), or acted fraudulently in the handling of your Card or account, you may be liable for those transactions that occurred prior to your notification as provided under federal or other applicable laws and regulations. If you believe any of your Card and/or PIN Security Credentials or Cards have been lost stolen, or stolen or that someone has transferred or may transfer money from your account, telephone us at (000) 000-0000 or write us at the address shown at the beginning of this disclosure. You should also telephone us or write us at the address listed in this disclosure if you believe a transfer has been made using the information from your check without your permission, CALL US IMMEDIATELY at FC DIRECT using our toll-free number. If you cannot reach us by telephone, you may write to us using the contact information provided in the Bank Contacts section at the end of this Agreement. Please refer to the Regulation E Disclosures in your Deposit Account Agreement, and in particular the section entitled "Your Liability for Unauthorized Transfers," for important information about your rights and obligations in the event of unauthorized transfers from your consumer account.

Your Liability. Your deposit accounts Unless otherwise directed by us, you must not use or attempt to use your account while it is suspended or has been closed. You must ensure that all agreements with sellers or other third parties that involve third party initiated payments (including billing agreement payments) set up from your account are protected from unauthorized UMB ATM Network transactions because cancelled immediately upon the termination, suspension or closure of your account. You remain liable under this user greement in respect of all charges and other amounts incurred through the use of your account at any time, irrespective of termination, suspension or closure. Holds, Limitations, and Reserves What are holds, limitations and reserves? Under certain circumstances, in order to protect PayPal and the security and integrity of the network of buyers and sellers that use the PayPal services, PayPal may take account-level or transaction-level actions. If we take any of the actions described here, we will normally notify you of our actions, but we may, if it is reasonable to do so (for example if you are the only one who should know your Personal Identification Number (“PIN”in breach of this user agreement or we consider it advisable for security reasons), take any of these actions without prior notice to you. Your Card cannot be used at To request information in connection with an ATM account limitation, hold or POS terminal without your PIN. If your Card is lost or stolen, or your Card and PIN are used without your authorizationreserve, you should know visit the steps you must take Resolution Centre or follow the instructions in our email notice with respect to safeguard the limitation, hold or reserve. You acknowledge and agree that any funds held under this user agreement may be placed in your deposit reserve account and minimize your liabilitythat you will provide to us any information as we may reasonably request to allow us to determine whether the risk has passed. You should not store your Card and PIN information togetherHolds A hold is an action that PayPal may take under certain circumstances either at the transaction level or the account level. You must tell us AT ONCE if you believe your Card and/or PIN has been lost or stolen or if you believe that an electronic funds transfer has been made without your permission. Telephoning us promptly is the best way of reducing your possible losses. You could lose all When PayPal places a hold on a payment amount, the money in your deposit account plus the amount of overdraft protection is not available to youeither the sender or the recipient. In PayPal reviews many factors before placing a hold on a payment, including: account tenure, transaction activity, business type, past customer disputes, and overall customer satisfaction. Some common situations where PayPal will hold payments include where we have reason to believe that: • Transactions are higher risk, this can be where the case transaction involves the sale of TotalCheck Overdraft Protection, the maximum amount would be the line of credit available to you. In the case of Credit Card Overdraft Protection, the maximum amount would be the line of credit available to you. In the case of overdraft protection via Account-to- Account transfer from another deposit account that you maintain with us, the maximum amount would be the balance goods or services in that account. If you tell us within two (2) business days, you can lose no more than $50 if someone used your Card or PIN without your permission. If you DO NOT tell us within two (2) business days after you learn of the loss or theft of your Card and we can prove that we could have stopped someone from using your Card or PIN without your permission if you had told us, you could lose as much as $500. Also, if your statement shows transfers that you did not make, including those made by Card, PINa high risk category, or other means, tell us AT ONCE. If you do not tell us within sixty (60) calendar days after the statement was mailed or made available to you, you may not get back any money you lost if we can prove that we could have stopped someone from taking the money if you had told us in time. If extenuating circumstances prevented you from telling us, we will extend the time periods. The liability limits described above are the limits of your liability under federal or other applicable law and regulations. However, when you use a Card or Card number to make an electronic funds transfer you will have no liability for unauthorized transactions unless we invoke one of the following exceptions. You must have reported the loss or theft of your Card facts known to us typically resulting in an increased number of chargebacks, other claims or disputes or to be often involved in fraud or illegal activity; • There is a sudden and abnormal change in a reasonably prompt mannerPayPal account holder’s selling activity including an increase in the number of chargebacks, and you must not reversals, or buyer complaints received in relation to such PayPal account; • Any PayPal account is being used in relation to restricted activities; • A PayPal account involved in the transaction may have been grossly negligent compromised, or acted fraudulently that stolen financial details (bank or credit card) are used for the payment, or otherwise a transaction has not been properly authorised; • A user is trying to send or withdraw funds they received fraudulently; • A user has not provided sufficient Information to us to enable us to verify their identity or the identity of their business and/or the user has a limited trading history with PayPal; • A payment sent to you as a seller is challenged as a payment that should be invalidated and reversed. • Your buyer files a chargeback, reversal or PayPal Buyer Protection claim on a payment you received. • Your buyer files a claim under a marketplace’s resolution process. • There is a risk of reversal of funds in handling your Card or accountaccount to your funding source. If we reasonably determine, based on substantial evidence, that you were grossly negligent • There is a risk of liability (a non-exhaustive list of examples of such risk is set out in the handling of your Card or account (such as by filing an excessively late claimsection Actions We May Take If You Engage In Any Restricted Activities above), or acted fraudulently in the handling of your Card or account, you may be liable for those transactions that occurred prior to your notification as provided under federal or other applicable laws and regulations. If you believe your Card and/or PIN have been lost or stolen or that someone has transferred or may transfer money from your account, telephone us at (000) 000-0000 or write us at the address shown at the beginning of this disclosure. You should also telephone us or write us at the address listed in this disclosure if you believe a transfer has been made using the information from your check without your permission.Payment review

Your Liability. Your deposit accounts are protected from unauthorized UMB ATM Network Ultra transactions because you are the only one who should know your Personal Identification Number (“PIN”/CODE). Your Card cannot be used at an ATM or POS terminal without your PIN/CODE. If your Card is lost or stolen, or your Card and PIN PIN/CODE are used without your authorization, you should know the steps you must take to safeguard your deposit account and minimize your liability. You should not store your Card and PIN information together. You must tell Tell us AT ONCE if you believe your Card and/or PIN PIN/CODE has been lost or stolen or if you believe that an electronic funds transfer has been made without your permissionpermission using information from your check. Telephoning us promptly is the best way of reducing your possible losses. You could lose all the money in your deposit account plus the amount of overdraft protection available to you. (In the case of TotalCheck Overdraft Protectionoverdraft protection, the maximum amount would be the line of credit available to you. In the case of Credit Card Overdraft Protectionoverdraft protection, the maximum amount would be the line of credit available to you. In the case of overdraft protection via Account-to- Account transfer from another deposit account that you maintain with us, the maximum amount would be the balance in that account. .) If you tell us within two (2) business days, you can lose no more than $50 if someone used your Card or PIN PIN/CODE without your permission. If you DO NOT tell us within two (2) business days (four (4) business days if a Kansas resident) after you learn of the loss or theft of your Card and we can prove that we could have stopped someone from using your Card or PIN PIN/CODE without your permission if you had told us, you could lose as much as $500500 ($300 if Kansas resident, or $50 if you are a Colorado resident and your account is a consumer account, i.e. it is held primarily for personal, family or household purposes). If your account is a consumer account and you are a resident of Colorado and the unauthorized use occurs through no fault of your own, you will have no liability for the unauthorized use. Also, if your statement shows transfers that you did not make, including those made by Card, PIN, CODE or other means, tell us AT ONCEat once. If you do not tell us within sixty (60) calendar days after the statement was mailed or made available to you, you may not get back any money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time. If extenuating circumstances prevented a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. The liability limits described above are the limits of your liability under federal or other applicable law and regulations. However, when you use a Card or Card number to make an electronic funds transfer you will have no liability for unauthorized transactions unless we invoke one of the following exceptions. You must have reported the loss or theft of your Card to us in a reasonably prompt manner, and you must not have been grossly negligent or acted fraudulently in handling your Card or account. If we reasonably determine, based on substantial evidence, that you were grossly negligent in the handling of your Card or account (such as by filing an excessively late claim), or acted fraudulently in the handling of your Card or account, you may be liable for those transactions that occurred prior to your notification as provided under federal or other applicable laws and regulations. If you believe your Card and/or PIN PIN/CODE have been lost or stolen or that someone has transferred or may transfer money from your account, telephone us at (000) 000-0000 call or write us at the telephone number or address shown at the beginning of this disclosure. If no answer, call: • Ultra card - (000) 000-0000; • UMB Visa Debit Card/Ultra VISA card - (000) 000-0000 and (000) 000-0000 or, if no answer, call (000) 000-0000. You should also call us at the telephone us number or write us at the address listed in this disclosure if you believe a transfer has been made using the information from your check without your permission.

Your Liability. Your deposit This section applies to consumer accounts are protected from unauthorized UMB ATM Network transactions because you are the only one who should know your Personal Identification Number (“PIN”). Your Card cannot be used at an ATM or POS terminal without your PINonly. If your Card account is lost or stolena business account, or your Card liability for unauthorized transfers will be governed by your Account Agreement and PIN are used without other provisions that apply to your authorization, you should know the steps you must take to safeguard your deposit account and minimize your liabilityaccount. You should not store review your Card and PIN information togethercontrols to ensure that they are appropriate for the risk of loss you are willing to accept. You must tell Tell us AT ONCE if you believe your Card and/or PIN login information or mobile device has been lost or lost, stolen or if you believe that otherwise became available to an electronic funds transfer has been made without your permissionunauthorized person. Please contact us immediately by telephone or in writing. Telephoning us promptly is the best way of reducing keeping your possible losseslosses down. You could lose all the money in your deposit account Accounts (plus the amount of your maximum overdraft protection available to you. In the case of TotalCheck Overdraft Protection, the maximum amount would be the line of credit available to you. In the case of Credit Card Overdraft Protection, the maximum amount would be the line of credit available to you. In the case of overdraft protection via Account-to- Account transfer from another deposit account that you maintain with us, the maximum amount would be the balance in that accountcredit). If you tell us within two (2) business daysBusiness Days after you learn of the loss or theft of your login information, you can lose no more than $50 if someone used your Card or PIN login information without your permission. If you DO do NOT tell us within two (2) business days Business Days after you learn of the loss or theft of your Card login information, and we can prove that we could have stopped someone from using your Card or PIN login information without your permission if you had told uspermission, you could lose as much as $500. Also, if your statement shows transfers that you did not make, including those made by Card, PIN, or other means, tell us AT ONCEat once. If you do not tell us within sixty (60) calendar days after the first statement on which the problem or error appeared was mailed or made available electronically (if you are using e-statements) to you, you may not get back any money you lost after the sixty (60) days if we can prove show that we could have stopped someone from taking the money if you had would have told us in time. If extenuating circumstances prevented a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. The liability limits described above You must: • Tell us your name and account number(s). • Describe the error or transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. • Tell us the limits dollar amount of the suspected error. If you tell us orally, you must send us your liability under federal complaint or other applicable law questions in writing within ten (10) business days. We will tell you the results of our investigation within 10 business days after we hear from you and regulationswill correct any error promptly. HoweverIf we need more time, when however, we may take up to 45 days to investigate your complaint or questions. If we decide to do this, we will re-credit your account within 10 business days for the amount you use a Card or Card number to make an electronic funds transfer think is in error so that you will have no liability for unauthorized transactions unless we invoke one use of the following exceptionsmoney during the time it takes us to complete our investigation. You must have reported the loss If you do not put your complaint or theft of question in writing and/or we do not receive it within ten (10) business days, we may not re-credit your Card to us in a reasonably prompt manner, and you must not have been grossly negligent or acted fraudulently in handling your Card or account. If we reasonably determinedecide that there was not an error, based on substantial evidence, we will send you a written explanation within three (3) business days after we finish our investigation. You may ask for copies of the documents that you were grossly negligent we used in the handling our investigation. Contact in Event of your Card or account (such as by filing an excessively late claim), or acted fraudulently in the handling of your Card or account, you may be liable for those transactions that occurred prior to your notification as provided under federal or other applicable laws and regulations. Unauthorized Access If you believe your Card and/or PIN have login information has been lost or stolen or that someone may or has transferred or may transfer money from fraudulently accessed your accountaccount without your permission, telephone us at (000contact our Member Service Department at:(000) 000-0000 or write us by mail at the address shown at the beginning of this disclosure. You should also telephone us or write us at the address listed in this disclosure if you believe a transfer has been made using the information from your check without your permissionLandmark Credit Union, Attn: Digital Banking, P.O. Box 510870 New Berlin, WI 53151-0870.

Your Liability. Your deposit accounts You are protected from unauthorized UMB ATM Network transactions because responsible for all transfers and payments you initiate and authorize using the eBRANCH Service. If you permit other persons to use the eBRANCH Service or your Password, you are the only one who should know responsible for any transactions they authorize from any of your Personal Identification Number (“PIN”)accounts. Your Card cannot be used at an ATM or POS terminal without your PIN. If your Card is lost or stolen, or your Card and PIN are used without your authorization, you should know the steps you must take to safeguard your deposit account and minimize your liability. You should not store your Card and PIN information together. You must tell Notify us AT ONCE IMMEDIATELY if you believe that your Card and/or PIN Password has been lost or stolen or if you believe that an electronic funds transfer someone has been made without your permissionused it or may use it to access the eBRANCH Service. Telephoning us promptly Notifying ACCU by phone is the best way of reducing to limit your possible lossespotential for loss. You could potentially lose all the money in your deposit account plus any available funds on your line(s) of credit. Our telephone numbers and address appear under the amount section of overdraft protection available to you. In the case of TotalCheck Overdraft Protection, the maximum amount would be the line of credit available to you. In the case of Credit Card Overdraft Protection, the maximum amount would be the line of credit available to you. In the case of overdraft protection via Account-to- Account transfer from another deposit account that you maintain with us, the maximum amount would be the balance in that accountthis Agreement entitled "Our Contact Information". If you tell notify us within two (2) business daysdays after learning or suspecting that your Password was lost, stolen, or used by someone without your permission, you can lose no more than $50 if someone used your Card or PIN without your permission50.00. If you DO do NOT tell notify us within two (2) business days after you learn of the loss or theft of your Card Password, and we can prove that we could have stopped someone from using your Card or PIN Password without your permission if had 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, PIN, or other means, tell us AT ONCE. If you do not tell us within sixty (60) calendar days after the statement was mailed or made available to you, you may not get back any money you lost if we can prove that we could have stopped someone from taking after the money if you had told us in timesixty (60) days. If extenuating circumstances prevented a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. The liability limits described above are the limits of your liability under federal or other applicable law Error Reporting and regulations. However, when you use a Card or Card number to make an electronic funds transfer you will have no liability for unauthorized transactions unless we invoke one of the following exceptions. You must have reported the loss or theft of your Card to us in a reasonably prompt manner, and you must not have been grossly negligent or acted fraudulently in handling your Card or account. If we reasonably determine, based on substantial evidence, that you were grossly negligent in the handling of your Card or account (such as by filing an excessively late claim), or acted fraudulently in the handling of your Card or account, you may be liable for those transactions that occurred prior to your notification as provided under federal or other applicable laws and regulations. If you believe your Card and/or PIN have been lost or stolen or that someone has transferred or may transfer money from your account, telephone us at (000) 000-0000 or write us at the address shown at the beginning of this disclosure. You should also telephone Claims Call us or write us IMMEDIATELY at the telephone number or address listed described in the section of this disclosure Agreement entitled "Our Contact Information" if you believe think your statement is wrong (or shows transfers and transactions that you did not authorize) or if you need more information about a transfer has been made using transfer. We must hear from you no later than sixty (60) days after we sent the information from your check without your permission.FIRST statement on which the problem or error appeared. If you do not tell us within sixty (60) days after the statement was mailed to you, you may not recover funds lost after the 60-day period. When contacting us to report an error or make a claim:

Your Liability. Your deposit accounts You are protected from unauthorized UMB ATM Network transactions because responsible for all authorized uses of your Card. Except as set forth below; you are the only one who should know your Personal Identification Number (“PIN”). Your Card canwill not be used at responsible for an ATM unauthorized use of your Card. An “unauthorized” use is a withdrawal or POS terminal without transaction that you did not transact. We may refuse to reimburse you for a transaction you assert is unauthorized if (1) you give your PINCard, Card number, and/or PIN to another person whom you expressly or implicitly authorize to use your Card, even if that person withdraws or purchases more than you authorized, (2) we conclude that the facts do not reasonably support a claim of unauthorized use. If your Card is lost or stolen, or your Card and PIN are used without your authorization, you should know the steps you must take to safeguard your deposit account and minimize your liability. You should not store your Card and PIN information together. You must tell us AT ONCE if you believe your Card and/or or PIN has been lost or stolen stolen, call the Customer Service number immediately, at 0-000-000-0000, or if you believe that an electronic funds transfer has been made without your permission. Telephoning write us promptly is the best way of reducing at Customer Account Services, X.X. Xxx 000000, Xxx Xxxxxxx, Xxxxx 00000-0000 to keep your possible losseslosses to a minimum. Visa Zero Liability policy ensures protection from liability for unauthorized transactions posted to your account by someone other than yourself when reported promptly. Unauthorized transactions are transactions which you did not personally conduct, did not authorize a merchant to perform, or have no knowledge of who conducted the transaction. You are not liable for unauthorized transactions, unless you have reported two or more incidents of unauthorized use in the preceding 12 months, or your Card is not in good standing, or you have not exercised reasonable care in safeguarding your Card from risk of loss or theft. You could lose all the money in associated with your deposit account plus the amount of overdraft protection available to you. In the case of TotalCheck Overdraft Protection, the maximum amount would be the line of credit available to you. In the case of Credit Card Overdraft Protection, the maximum amount would be the line of credit available to you. In the case of overdraft protection via Account-to- Account transfer from another deposit account that you maintain with us, the maximum amount would be the balance in that accountCard. If you tell us within two (2) business days, you can lose no more than $50 if someone used your Card or PIN without your permission. If you DO NOT tell us within two (2) business days after you learn learning of the loss lost or theft of the card, either from your Card and we can prove that we could have stopped someone from using your Card account statement or PIN without your permission if you had told usvia the transaction history reported by the Integrated Voice Response (IVR), you could lose as much as will only be responsible for the first $50; after 2 business days you are liable for up to $500. Also, if your statement shows transfers that you did not make, including those made by Card, PIN, or other means, tell us AT ONCE. If you do not tell notify us of the loss within sixty (60) calendar 60 days after the statement was mailed of learning of your account history or made available to youinformation, you may not get back any money you lost are liable for the full amount of the loss. We will cancel your Card if we can prove that we could have stopped someone from taking the money if you had told it is reported to us in timeas lost, stolen or destroyed. If extenuating circumstances prevented you from telling usOnce your Card is canceled, we will extend the time periods. The liability limits described above are the limits of your liability under federal or other applicable law and regulations. However, when you use a Card or Card number to make an electronic funds transfer you will have no liability for unauthorized further transactions unless we invoke one involving the use of the following exceptionscanceled Card. You must have reported the loss or theft of your A new Card to us in a reasonably prompt manner, and you must not have been grossly negligent or acted fraudulently in handling your Card or account. If we reasonably determine, based on substantial evidence, that you were grossly negligent in the handling of your Card or account (such as by filing an excessively late claim), or acted fraudulently in the handling of your Card or account, you may will be liable for those transactions that occurred prior to your notification as provided under federal or other applicable laws and regulations. If you believe your Card and/or PIN have been lost or stolen or that someone has transferred or may transfer money from your account, telephone us at (000) 000-0000 or write us at the address shown at the beginning of this disclosure. You should also telephone us or write us at the address listed in this disclosure if you believe a transfer has been made using the information from your check without your permissionissued.

Your Liability. Your deposit The liability of personal accountholders for unauthorized Transfers from their accounts are protected from unauthorized UMB ATM Network transactions because is limited by the Electronic Fund Transfer Act, as described below. A personal account is an account established in the name of a natural person primarily for personal, family, or household purposes. Any other account is a non-personal account. For personal accounts, you are the only one who should know your Personal Identification Number (“PIN”). Your Card cannot be used at an ATM responsible for all Transfers that you authorize or POS terminal without your PINinitiate through our IBT Services. If you permit other persons to use your Card is lost Password, you are authorizing that person to use our IBT Services, and you are responsible for any transactions that they authorize from your Transfer Account, whether you specifically authorize the transactions or not, and all transactions that person performs, even those transactions that you did not intend or want performed, or that are initiated with fraudulent intent, are authorized transactions. If you believe that your Password has been compromised, lost, or stolen, or your Card and PIN are used without your authorization, you should know the steps you must take to safeguard your deposit account and minimize your liability. You should not store your Card and PIN information together. You must tell us AT ONCE if you believe your Card and/or PIN has been lost or stolen or if you believe that an electronic funds transfer unauthorized Transfer has been made from your Transfer Account, or that someone may transfer money from your Transfer Account without your permission, notify us AT ONCE, by calling us at (000) 000-0000, or writing to us at The Berkshire Bank, Operations Department, 0 Xxxxxxxx, Xxx Xxxx, Xxx Xxxx 00000. Telephoning us promptly is the best and fastest way of reducing keeping your possible losseslosses to a minimum. You If you do not do so, you could lose all the money in your deposit account plus Transfer Account, as well as all of the amount of available funds in any overdraft protection available to you. In the case of TotalCheck Overdraft Protection, the maximum amount would be the account or any other credit line of credit available to you. In the case of Credit Card Overdraft Protection, the maximum amount would be the line of credit available to you. In the case of overdraft protection via Account-to- Account transfer from another deposit account that you maintain with us, the maximum amount would be the balance in that accountincluded among your accounts. If you believe that your Password has been lost or stolen or that an unauthorized Transfer has been made from your Transfer Account, and you tell us within two (2) business days2 Business Days after you discover the loss or theft, you can lose no more than $50 if someone used your Card or PIN makes a Transfer without your permissionauthorization. If you DO NOT do not tell us within two (2) business days 2 Business Days after you learn of discover the loss or theft of your Card Password or that an unauthorized Transfer has been made from your Transfer Account, and we can prove that we could have stopped someone from using your Card or PIN making a Transfer without your permission authorization if you had told us, you could lose as much as $500. AlsoFurthermore, if your any deposit account statement shows transfers Transfers that you did not make, including those made by Card, PIN, or other means, tell us AT ONCE. If you do not tell us within sixty (60) calendar 60 days after the a statement showing such a Transfer was mailed or made available transmitted to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If extenuating circumstances prevented a good reason, such as a long trip or a hospital stay, keeps you from telling us, we will may extend the time periods. For non-personal accounts, you are responsible for all Transfers which are authorized using your Password. If you permit other persons to use our IBT Services or your Password, you are responsible for any transactions that they authorize. You assume the entire risk for the fraudulent, unauthorized, or otherwise improper use of your Password. We shall be entitled to rely on the genuineness and authority of all Transfer Instructions received by us when accompanied by such Password, and to act on such Transfer Instructions. The liability limits described above provisions of the Electronic Funds Transfer Act, Federal Reserve Act Regulation E, and any other laws or regulations intended for the protection of or governance of transactions involving consumers or consumer accounts do not apply to any transactions involving non-personal accounts. Our Liability We are not responsible for errors, delays, and other problems caused by or resulting from the action or inaction of financial institutions where you maintain your External Accounts. Although we will try to assist you in resolving any such problems, you understand that any such errors, delays, or other problems are the limits responsibility of your liability under federal the relevant financial institution. Any rights you may have against a financial institution for such errors, delays, or other problems are subject to the terms of the agreements you have with such financial institution, including any time limits during which complaints must be made. You agree that your Transfer Instructions constitute authorization for us to complete the Transfer. You represent and warrant to us that you have enough money in the applicable account to make any Transfer that you request that we make on your behalf through our IBT Services. You understand and agree that we are not liable under any circumstances for any losses or damages if, through no fault of ours, you do not have enough money to make the Transfer, or the financial institutions where you maintain your External Accounts do not permit the Transfer. If we do not make a Transfer on time, cause an incorrect amount to be removed from an account, or cause funds from an account to be transferred to any account other than the account specified in the applicable Transfer Instruction, we shall be responsible to process the Transfer correctly by the next Business Day, return any improperly transferred funds, or direct any misdirected funds to the proper account, as appropriate. For personal accounts, if we do not complete a Transfer by your requested Send On Date or in the correct amount, we will be liable for your actual proven losses or damages as the law and regulationsimposes in such cases caused by such failure but not for any special, incidental, or consequential damages, court costs, or attorney's fees, unless required by applicable law. However, when you use a Card or Card number to make an electronic funds transfer you will have no liability for unauthorized transactions unless we invoke one of the following there are some exceptions. You must have reported the loss or theft of your Card to us in a reasonably prompt manner, and you must not have been grossly negligent or acted fraudulently in handling your Card or account. If In no event will we reasonably determine, based on substantial evidence, that you were grossly negligent in the handling of your Card or account (such as by filing an excessively late claim), or acted fraudulently in the handling of your Card or account, you may will be liable for those transactions any indirect, incidental, special, or consequential damages if our failure was not intentional and resulted from a bona fide error, notwithstanding our procedures to avoid such error, or was reasonable and appropriate conduct. We will not be liable, for instance: (1) if, through no fault of ours, you do not have enough sufficient immediately available funds in your Transfer Account to make the Transfer; (2) if the Transfer would go over the credit limit on your overdraft line on the Transfer Account; (3) if your operating system, hardware, or software, your external service provider, or any part of BerkOnline® was not functioning properly at the time that occurred prior you attempted to initiate the Transfer and it was evident to you at the time that you started the Transfer; (4) if your notification as provided under federal computer malfunctions; (5) if circumstances beyond our control, such as, but not limited to, fire, flood, computer failure, power outages, or other applicable laws and regulations. If you believe interference from an outside force, prevent the Transfer from being properly made or completed, despite reasonable precautions that we have taken; (6) if your Card and/or PIN have Password or User ID has been reported lost or stolen or we have reason to believe that someone has transferred the transaction is unauthorized; (7) if we have reasonable cause not to honor for our or may transfer money from your account, telephone us at protection; (000) 000-0000 or write us at the address shown at the beginning of this disclosure. You should also telephone us or write us at the address listed in this disclosure 8) if you believe a transfer your BerkOnline® access has been made using the information from your check without your permission.suspended;

Your Liability. Your deposit The liability of personal account holders for unauthorized transfers from their accounts are protected from unauthorized UMB ATM Network transactions because is limited by the Electronic Funds Transfer Act, as described below. A personal account is an account established in the name of a natural person primarily for personal, family, or household purposes. Any other account is a non-personal account. For personal account holders, you are the only one who should know your Personal Identification Number (“PIN”). Your Card cannot be used at an ATM responsible for all transfers you authorize or POS terminal without your PINinitiate through BerkOnline®. If your Card is lost or stolen, you permit other persons to use BerkOnline® or your Card and PIN are used without your authorizationPassword, you should know the steps you must take to safeguard are responsible for any transactions they authorize from your deposit account and minimize your liabilityaccounts. You should not store your Card and PIN information together. You must tell us AT ONCE if If you believe that your Card and/or PIN Password has been lost or stolen or if you believe that an electronic funds someone has transferred or may transfer has been made money from your account without your permission, notify us AT ONCE, at the phone number or address set forth below. Telephoning us promptly is the best way of reducing your possible losses. You If you do not do so, you could lose all the money in your deposit account plus each of the amount accounts, as well as all of the available funds in any overdraft protection available to you. In the case of TotalCheck Overdraft Protection, the maximum amount would be the line of credit available to you. In the case of Credit Card Overdraft Protection, the maximum amount would be the account or any other credit line of credit available to you. In the case of overdraft protection via Account-to- Account transfer from another deposit account that you maintain with us, the maximum amount would be the balance in that accountincluded among your accounts. If you believe your Password has been lost or stolen or that an unauthorized transfer has been made from any of your deposit accounts, and you tell us within two (2) business days2 Business Days after you discover the loss or theft, you can lose no more than $50 if someone used your Card or PIN makes a transfer without your permissionauthorization. If you DO NOT do not tell us within two (2) business days 2 Business Days after you learn of discover the loss or theft of your Card Password or that an unauthorized BerkOnline® transfer has been made from any of your deposit accounts, and we can prove that we could have stopped someone from using your Card or PIN making a transfer without your permission authorization if you had told us, you could lose as much as $500. AlsoFurthermore, if your any deposit account statement shows BerkOnline® transfers that you did not make, including those made by Card, PIN, or other means, tell us AT ONCE. If you do not tell us within sixty (60) calendar 60 days after the a statement showing such a transfer was mailed or made available transmitted to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If extenuating circumstances prevented a good reason, such as a long trip or hospital stay, kept you from telling us, we will extend the time periods. The liability limits described above For non-personal account holders, you are responsible for all transfers which are authorized using your Password. If you permit other persons to use BerkOnline® or your Password, you are responsible for any transactions they authorize. You assume the limits entire risk for the fraudulent, unauthorized, or otherwise improper use of your liability under federal Password. The Bank shall be entitled to rely on the genuineness and authority of all instructions received by us when accompanied by your Password, and to act on such instructions. Our Liability For personal accounts, if we do not complete a transfer to or other applicable law and regulationsfrom 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, when you use a Card or Card number to make an electronic funds transfer you will have no liability for unauthorized transactions unless we invoke one of the following there are some exceptions. You must have reported the loss or theft of your Card to us in a reasonably prompt mannerWe will not be liable, and you must not have been grossly negligent or acted fraudulently in handling your Card or account. If we reasonably determine, based on substantial evidence, that you were grossly negligent in the handling of your Card or account (such as by filing an excessively late claim), or acted fraudulently in the handling of your Card or account, you may be liable for those transactions that occurred prior to your notification as provided under federal or other applicable laws and regulations. If you believe your Card and/or PIN have been lost or stolen or that someone has transferred or may transfer money from your account, telephone us at (000) 000-0000 or write us at the address shown at the beginning of this disclosure. You should also telephone us or write us at the address listed in this disclosure if you believe a transfer has been made using the information from your check without your permission.instance:

Your Liability. Your In general, when you transmit Instructions to us to make a Payment or Transfer through NetBanking Services with your User ID and Password and applicable Security Information, you authorize us to credit or charge your account for the amount described in the Instructions. You are liable for all transactions, whether or not authorized by you, initiated through NetBanking Services using your User ID, Password or Security Information, to the extent permitted by applicable law. Unauthorized Transactions for Consumer Deposit Accounts Only This section applies to consumer deposit accounts are protected from only. For credit accounts, refer to your applicable credit agreement for terms and conditions regarding your liability for unauthorized UMB ATM Network transactions because you are or other errors or questions regarding those accounts. For business accounts, see the only one who should know your Personal Identification Number (“PIN”). Your Card cannot be used at an ATM or POS terminal without your PINUnauthorized Transactions – For Business Deposit Accounts Only” section below. If you have reason to believe that your Card is lost User ID, Password, Security Information, or any other items or information that may allow access to NetBanking Services have been lost, stolen, or your Card and PIN are used without your authorizationotherwise compromised, you should know the steps you must take to safeguard your deposit account and minimize your liability. You should not store your Card and PIN information together. You must tell us AT ONCE if you believe your Card and/or PIN has been lost or stolen or if you believe have reason to suspect that an electronic funds transfer unauthorized access to your account has been made without your permission. Telephoning occurred or will occur through NetBanking Services, you must call us promptly is the best way of reducing your possible losses. You could lose all the money in your deposit account plus the amount of overdraft protection available to you. In the case of TotalCheck Overdraft Protection, the maximum amount would be the line of credit available to you. In the case of Credit Card Overdraft Protection, the maximum amount would be the line of credit available to you. In the case of overdraft protection via Accountimmediately at 1-to- Account transfer from another deposit account that you maintain with us, the maximum amount would be the balance in that account877-448-6500. If you tell us within two (2) business daysdays after you learn your User ID, Password, Security Information, or any other information or items that may allow access to NetBanking Services have been lost, stolen, or otherwise compromised, or that an unauthorized online transfer or payment has been made from any of your accounts, you can lose no more than $50 50.00 if someone used your Card or PIN account without your permission. If you DO NOT do not notify us, you could lose all the money in each of your accounts, as well as all of the available funds in any overdraft protection account or any credit line included among your accounts. If you do not tell us within two (2) business days after you learn of the loss loss, theft, or theft of your Card compromise or unauthorized transfer or payment, and we can prove that we could have stopped someone from making an unauthorized transfer or payment using your Card or PIN without your permission account if you had told usreported the loss, theft, or compromise or unauthorized transfer or payment, you could lose as much as $500500.00. AlsoFurthermore, if your statement any deposit Account Statement shows online transfers or payments that you did do not make, including those made by Card, PIN, or other meansbelieve you made, tell us AT ONCE. If you do not tell us within sixty (60) calendar days after the statement was mailed or made available to you, you may not get back any money you lost if we can prove that we could have stopped someone from taking the money if you had told us in time. If extenuating circumstances prevented you from telling us, we will extend the time periods. The liability limits described above are the limits of your liability under federal or other applicable law and regulations. However, when you use a Card or Card number to make an electronic funds transfer you will have no liability for unauthorized transactions unless we invoke one of the following exceptions. You must have reported the loss or theft of your Card to us in a reasonably prompt manner, and you must not have been grossly negligent or acted fraudulently in handling your Card or account. If we reasonably determine, based on substantial evidence, that you were grossly negligent in the handling of your Card or account (such as by filing an excessively late claim), or acted fraudulently in the handling of your Card or account, you may be liable for those transactions that occurred prior to your notification as provided under federal or other applicable laws and regulations. If you believe your Card and/or PIN have been lost or stolen or that someone has transferred or may transfer money from your account, telephone us at (000) 000-0000 or write us at the address shown at the beginning of this disclosure. You should also telephone us or write us at the address listed in this disclosure if you believe a transfer has been made using the information from your check without your permission.sixty

Your Liability. Your deposit You acknowledge, represent and warrant that all business (commercial) accounts that can be accessed under EBServices and/or CMServices are protected from unauthorized UMB ATM Network transactions because you are the only one who should know your Personal Identification Number (“PIN”)not accounts established primarily for personal, family or household purposes. Your Card cannot be used at an ATM or POS terminal without your PIN. If your Card Additional risk is lost or stolen, or your Card associated with use of EBServices and PIN are used without your authorization, you should know the steps you must take to safeguard your deposit account and minimize your liabilityCMServices by Business Customers. You should will not store have the benefit of any consumer law limiting liability for the unauthorized use of your Card and PIN information togetherEBServices or CMServices. You must tell us AT ONCE if you believe your Card and/or PIN has been lost accept and agree to undertake the additional risk and greater measure of liability associated with the use of EBServices or stolen or if you believe that an electronic funds transfer has been made without your permission. Telephoning us promptly is the best way of reducing your possible lossesCMServices. You could lose all the money in your deposit account plus the amount of overdraft protection available to you. In the case of TotalCheck Overdraft Protection, the maximum amount would be the line of credit available to you. In the case of Credit Card Overdraft Protection, the maximum amount would be the line of credit available to you. In the case of overdraft protection via Account-to- Account transfer from another deposit account that you maintain with us, the maximum amount would be the balance in that account. If you tell us within two (2) business days, you can lose no more than $50 if someone used your Card or PIN without your permission. If you DO NOT tell us within two (2) business days after you learn of the loss or theft of your Card and we can prove that we could have stopped someone from using your Card or PIN without your permission if you had told us, you could lose as much as $500. Also, if your statement shows transfers that are liable for transactions you did not make, including those made by Card, PIN, or other means, tell us AT ONCE. If you do not tell us within sixty (60) calendar days after the statement was mailed or made available to you, you may not get back any money you lost authorize if we can prove that we could have stopped someone from taking processed the money if you had told us transaction in time. If extenuating circumstances prevented you from telling usgood faith and in compliance with a commercially reasonable security procedure to which we both agreed, we will extend the time periods. The liability limits described above are the limits of your liability under federal or other applicable law and regulations. However, when you use a Card or Card number to make an electronic funds transfer you will have no liability for unauthorized transactions unless we invoke one of the following exceptionsotherwise required by Applicable Law. You must have reported agree to defend, indemnify and hold us harmless from and against any and all actions, losses, liabilities, claims, damages or expenses (including, without limitation, attorneys’ fees and court costs and expenses) arising from or related to the loss access or theft use of your Card to us in a reasonably prompt manner, and you must not have been grossly negligent or acted fraudulently in handling your Card or account. If we reasonably determine, based on substantial evidence, that you were grossly negligent in the handling of your Card or account (any such as by filing an excessively late claim), or acted fraudulently in the handling of your Card or account, you may be liable for those transactions that occurred prior to your notification as provided under federal or other applicable laws and regulationsEBServices and/or CMServices. If you have reason to believe your Card and/or PIN that the Credentials for any Users have been lost or lost, stolen or that someone has transferred otherwise compromised (or may be compromised) or that a funds transfer money from or other EBService or CMService has been or may be made with the Credentials of any User without your accountpermission, telephone us you must call the Electronic Banking Department at (000) 000000)000-0000 0000, call Operations at (000)000- 0000, or use the “Start a conversation” feature in the Electronic Banking Services during normal business hours; or write us at Electronic Banking Department, Tennessee State Bank, PO Box 1260, Pigeon Forge, TN 37868, send us an email using xxxxxxxxx@xxxxxxxxxxx.xxx or visit any branch location. The Credentials believed to be lost, stolen or otherwise compromised should also be immediately changed by accessing EBServices account and changing the address shown at Password under Settings > Security. In no event will the beginning Bank be liable for any unauthorized transaction that occurs with any users’ Credentials. Bill Pay (TSB OneClickTM / TSB Business BillPay-eTM) Agreement and Terms and Conditions (“BPAgreement”) – This is your Bill Pay agreement with us. Use of the Bill Pay Service indicates acceptance of terms and conditions set forth in the Tennessee State Bank Electronic Banking Agreement (EBAgreement) and the terms and conditions set forth in this BPAgreement as each may be jointly and/or independently amended from time to time. The terms and conditions of this disclosureBPAgreement are in addition to the agreements, disclosures and other documents in effect from time to time governing your deposit account (and loan or credit card, as applicable) with us, including the Account Agreement and Disclosures (“Bank Documents”). You should also telephone By accepting this BPAgreement, you agree to the Terms and Conditions. Please read the BPAgreement carefully as it is our legal agreement with you that governs your use of our Bill Pay Service. In this Agreement: "Tennessee State Bank ", “TSB”, "we ", "us or write us at the address listed in this disclosure if you believe a transfer has been made using the information from your check without your permission", "our”, and “Bank” refer to Tennessee State Bank.

Your Liability. Your deposit accounts Unless otherwise directed by us, you must not use or attempt to use your account while it is suspended or has been closed. You must ensure that all agreements with sellers or other third parties that involve third party initiated payments (including billing agreement payments) set up from your account are protected from unauthorized UMB ATM Network transactions because cancelled immediately upon the termination, suspension or closure of your account. You remain liable under this user greement in respect of all charges and other amounts incurred through the use of your account at any time, irrespective of termination, suspension or closure. Holds, Limitations, and Reserves What are holds, limitations and reserves? Under certain circumstances, in order to protect PayPal and the security and integrity of the network of buyers and sellers that use the PayPal services, PayPal may take account-level or transaction-level actions. If we take any of the actions described here, we will normally notify you of our actions, but we may, if it is reasonable to do so (for example if you are the only one who should know your Personal Identification Number (“PIN”in breach of this user agreement or we consider it advisable for security reasons), take any of these actions without prior notice to you. Your Card cannot be used at To request information in connection with an ATM account limitation, hold or POS terminal without your PIN. If your Card is lost or stolen, or your Card and PIN are used without your authorizationreserve, you should know visit the steps you must take Resolution Centre or follow the instructions in our email notice with respect to safeguard the limitation, hold or reserve. You acknowledge and agree that any funds held under this user agreement may be placed in your deposit reserve account and minimize that you will provide to us any information as we may reasonably request to allow us to determine whether the risk has passed. Holds A hold is an action that PayPal may take under certain circumstances either at the transaction level or the account level. When PayPal places a hold on a payment amount, the money is not available to either the sender or the recipient. PayPal reviews many factors before placing a hold on a payment, including: account tenure, transaction activity, business type, past customer disputes, and overall customer satisfaction. Some common situations where PayPal will hold payments include where we have reason to believe that: • Transactions are higher risk, this can be where the transaction involves the sale of goods or services in a high risk category, or other facts known to us typically resulting in an increased number of chargebacks, other claims or disputes or to be often involved in fraud or illegal activity; • There is a sudden and abnormal change in a PayPal account holder’s selling activity including an increase in the number of chargebacks, reversals, or buyer complaints received in relation to such PayPal account; • Any PayPal account is being used in relation to restricted activities; • A PayPal account involved in the transaction may have been compromised, or that stolen financial details (bank or credit card) are used for the payment, or otherwise a transaction has not been properly authorised; • A user is trying to send or withdraw funds they received fraudulently; • A user has not provided sufficient Information to us to enable us to verify their identity or the identity of their business and/or the user has a limited trading history with PayPal; • A payment sent to you as a seller is challenged as a payment that should be invalidated and reversed. • Your buyer files a chargeback, reversal or PayPal Buyer Protection claim on a payment you received. • Your buyer files a claim under a marketplace’s resolution process. • There is a risk of reversal of funds in your liabilityaccount to your funding source. • There is a risk of liability (a non-exhaustive list of examples of such risk is set out in the section Actions We May Take if You Engage in Any Restricted Activities above). Payment review When we identify a potentially high-risk transaction, we review the transaction more closely before allowing it to proceed. This may be because we have the reasonable suspicion that the payer’s PayPal account is being used in relation to restricted activities or for other reasons as determined by us in our reasonable discretion. This may include where there is a risk of liability (a non-exhaustive list of examples of such risk is set out in the section Actions We May Take if You Engage in Any Restricted Activities above). If a payment is subject to payment review, we may: • execute the payment order initiated by the buyer; • in our discretion, immediately upon such execution restrict the payer’s account; • place a hold on the payment [in the payer’s account]; and/or • notify the recipient to delay the delivery of the purchase paid for by the payment. As a buyer, this may delay your receipt of the item you purchased. If we clear the transaction, we will notify the seller and direct them to ship the item. If we don’t clear the transaction, we will cancel it and return the funds to you, unless we are legally required to take other action. All payments that complete payment review are still subject to being reversed under the terms of this user agreement but will be Seller Protection eligible if they meet the Seller Protection requirements. PayPal will provide notices to you by email and/or in the transaction history tab of your PayPal account. A payment subject to payment review is a review of the payment only and is implemented to reduce the risk of PayPal users receiving high risk transactions. A payment subject to payment review is neither a review nor a representation by PayPal as to the commercial dealings, character or reputation of a party to the payment transaction and should not store be considered as a lessening of the respect of any person. Holds related to your Card instructions Certain PayPal functionality may allow you (whether directly or via someone you permit to act on your behalf, like an online marketplace platform on which you transact as a seller) to instruct us to hold your funds (including the proceeds of payments you receive using PayPal) in your reserve account. In such a case we will show you the availability status of those funds in your balance – the status descriptions may differ according to the functionality you used to instruct us to place the hold. We will release the hold on the funds according to the instruction that you (or the entity that you have permitted to act on your behalf) give to us, subject to the rest of this user agreement. Account Limitations Limitations are implemented to help protect PayPal, buyers and PIN sellers when we notice restricted activities, an increased financial risk, or activity that appears to us as unusual or suspicious. Limitations also help us collect information togethernecessary for keeping your PayPal account open. You must tell us AT ONCE if you There are several reasons why your PayPal account could be limited, including where we have reason to believe that: • Someone could be using your Card and/or PIN PayPal account without your knowledge, then we’ll limit it for your protection and look into the fraudulent activity. • Someone has been lost used your card or stolen or if you believe that an electronic funds transfer has been made bank account without your permission, for example if your debit or credit card issuer or bank alerts us to this. Telephoning us promptly • You have breached this user agreement or violated the Acceptable Use Policy. • Your performance as a seller indicate your PayPal account is high risk. Examples include: indications of poor selling performance because you’ve received an unusually high number of claims and chargebacks, selling an entirely new or high-cost product type, or if your typical sales volume increases rapidly. • There is a risk of liability (a non-exhaustive list of examples of such risk is set out in the best way of reducing section Actions We May Take if You Engage in Any Restricted Activities above). We may also limit your possible lossesPayPal account in order to comply with applicable law. You could lose all the money in will need to resolve any issues with your deposit account plus the amount of overdraft protection available to youbefore a limitation can be removed. In the case of TotalCheck Overdraft ProtectionNormally, the maximum amount would be the line of credit available to you. In the case of Credit Card Overdraft Protection, the maximum amount would be the line of credit available to you. In the case of overdraft protection via Account-to- Account transfer from another deposit account that you maintain with us, the maximum amount would be the balance in that account. If you tell us within two (2) business days, you can lose no more than $50 if someone used your Card or PIN without your permission. If you DO NOT tell us within two (2) business days this is done after you learn of provide us with the loss or theft of your Card and information we can prove that we could have stopped someone from using your Card or PIN without your permission if you had told us, you could lose as much as $500. Also, if your statement shows transfers that you did not make, including those made by Card, PIN, or other means, tell us AT ONCE. If you do not tell us within sixty (60) calendar days after the statement was mailed or made available to you, you may not get back any money you lost if we can prove that we could have stopped someone from taking the money if you had told us in time. If extenuating circumstances prevented you from telling us, we will extend the time periods. The liability limits described above are the limits of your liability under federal or other applicable law and regulationsrequest. However, when you use a Card or Card number to make an electronic funds transfer you will have no liability for unauthorized transactions unless we invoke one of the following exceptions. You must have reported the loss or theft of your Card to us in a reasonably prompt manner, and you must not have been grossly negligent or acted fraudulently in handling your Card or account. If if we reasonably determinebelieve a risk still exists after you have provided us that information, based on substantial evidencewe may take action to protect PayPal, that you were grossly negligent in the handling of your Card or account (such as by filing an excessively late claim)our users, a third party, or acted fraudulently in the handling of your Card or accountyou from reversals, you may be liable for those transactions that occurred prior to your notification as provided under federal or fees, fines, penalties, legal and/or regulatory risks and any other applicable laws and regulations. If you believe your Card and/or PIN have been lost or stolen or that someone has transferred or may transfer money from your account, telephone us at (000) 000-0000 or write us at the address shown at the beginning of this disclosure. You should also telephone us or write us at the address listed in this disclosure if you believe a transfer has been made using the information from your check without your permissionliability.

Your Liability. Your deposit accounts are protected from unauthorized UMB ATM Network transactions because you are the only one who should know your Personal Identification Number Automated Teller Machine (“PINATM”). Your Card cannot be used at an ATM or POS terminal without your PIN. If your Card is lost or stolen, or your Card and PIN are used without your authorization, you should know the steps you must take to safeguard your deposit account and minimize your liability. You should not store your Card and PIN information together. You must tell ) Transactions: Tell us AT ONCE if you believe your Card and/or PIN has been lost or stolen or if you believe that an electronic funds transfer has been made without your permissionstolen. Telephoning us promptly is the best way of reducing keeping your possible losseslosses down. You could lose all the money in your deposit account (plus the amount of your maximum overdraft protection available to you. In the case of TotalCheck Overdraft Protection, the maximum amount would be the line of credit available to you. In the case of Credit Card Overdraft Protection, the maximum amount would be the line of credit available to you. In the case of overdraft protection via Account-to- Account transfer from another deposit account that you maintain with us, the maximum amount would be the balance in that accountcredit). If you tell us within two (2) business days, you can lose no more than $50 50.00 if someone used your Card or PIN without your permission. If you DO NOT tell us within two (2) business days after you learn of the loss or theft of your Card or PIN, and we can prove that we could have stopped someone from using your Card or PIN without your permission if you had told us, you could lose as much as $500500.00. If you have authorized someone else to use the Card and/or PIN, you are responsible for all transactions which that person or persons initiates at any time, even if the amount or transactions exceed what you may have authorized. Also, if your statement shows transfers transactions that you did not make, including those made by Card, PIN, or other means, tell us AT ONCEat once. If you do not tell us within sixty (60) calendar 60 days after the statement was mailed or made available to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If extenuating circumstances prevented a good reason (such as a long trip or hospital stay) kept you from telling us, we will extend the time periods. The liability limits described above If you have authorized someone else to use the Card and/or PIN, you are responsible for all transactions that person or persons initiates at any time, even if the limits amount or transactions exceed what you may have authorized. MasterCard Transactions: If there is an unauthorized use of your MasterCard Debit Card then your liability under federal will be zero ($0.00) so long as you have exercised reasonable care in safeguarding your card from risk of loss or other applicable law theft and regulations. Howeverupon becoming aware, when you use a Card or Card number to make an electronic funds transfer you will have no liability for unauthorized transactions unless we invoke one of the following exceptions. You must have promptly reported the loss or theft of your Card to us in a reasonably prompt manner, and you must not have been grossly negligent or acted fraudulently in handling your Card or account. If we reasonably determine, based on substantial evidence, that you were grossly negligent in the handling of your Card or account (such as by filing an excessively late claim), or acted fraudulently in the handling of your Card or account, you may be liable for those transactions that occurred prior to your notification as provided under federal or other applicable laws and regulationsCredit Union. If you believe cannot meet these requirements then your Card and/or PIN have been lost or stolen or that someone has transferred or liability with respect to unauthorized transactions may transfer money from be greater than the above zero ($0.00) liability limit, to the extent allowed under applicable law. In any case, to minimize your accountpotential liability you should notify us promptly of any unauthorized use, telephone us at but no later than sixty (00060) 000-0000 or write us at the address shown at the beginning of this disclosuredays after your statement was mailed to you. You should also telephone us or write us at the address listed in this disclosure if you believe a transfer has been made using the information from This provision limiting your check without your permissionliability does not apply to MasterCard commercial cards.

Your Liability. Your deposit The liability of personal accountholders for unauthorized transfers from their accounts are protected from unauthorized UMB ATM Network transactions because is limited by the Electronic Fund Transfer Act and Federal Reserve Board Regulation E, as described below. A personal account is an account established in the name of a natural person primarily for personal, family, or household purposes. Any other account is a non-personal account. For personal accounts, you are the only one who should know your Personal Identification Number (“PIN”). Your Card cannot be used at an ATM responsible for all transfers that you authorize or POS terminal without your PINinitiate through BerkOnline®. If you permit other persons to use BerkOnline® or your Card is lost Password, you are responsible for any transactions they authorize from your accounts, whether you specifically authorize the transactions or not, and all transactions that person performs, even those transactions that you did not intend or want performed, or that are initiated with fraudulent intent, are authorized transactions. If you believe that your Password has been compromised, lost, or stolen, or that an unauthorized or that an unauthorized transfer has been made from your Card and PIN are used account, or that someone may transfer money from your account without your authorizationpermission, notify us AT ONCE, by calling us at (000) 000-0000, or writing to us at The Berkshire Bank, Operations Department, 0 Xxxxxxxx, Xxx Xxxx, Xxx Xxxx 00000. Telephoning us is the best and fastest way of keeping your possible losses to a minimum. If you do not do so, you should know could lose all the steps you must take to safeguard money in each of your deposit accounts, as well as all of the available funds in any overdraft protection account and minimize or any other credit line included among your liabilityaccounts. You should not store your Card and PIN information together. You must tell us AT ONCE if If you believe your Card and/or PIN Password has been lost or stolen or if you believe that an electronic funds unauthorized transfer has been made without your permission. Telephoning us promptly is the best way from any of reducing your possible losses. You could lose all the money in your deposit account plus the amount of overdraft protection available to you. In the case of TotalCheck Overdraft Protectionaccounts, the maximum amount would be the line of credit available to you. In the case of Credit Card Overdraft Protection, the maximum amount would be the line of credit available to you. In the case of overdraft protection via Account-to- Account transfer from another deposit account that you maintain with us, the maximum amount would be the balance in that account. If and you tell us within two (2) business days2 Business Days after you discover the loss or theft, you can lose no more than $50 if someone used your Card or PIN makes a transfer without your permissionauthorization. If you DO NOT do not tell us within two (2) business days 2 Business Days after you learn of discover the loss or theft of your Card Password or that an unauthorized BerkOnline® transfer has been made from any of your deposit accounts, and we can prove that we could have stopped someone from using your Card or PIN making a transfer without your permission authorization if you had told us, you could lose as much as $500. AlsoFurthermore, if your any deposit account statement shows BerkOnline® transfers that you did not make, including those made by Card, PIN, or other means, tell us AT ONCE. If you do not tell us within sixty (60) calendar 60 days after the a statement showing such a transfer was mailed or made available transmitted to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If extenuating circumstances prevented a good reason, such as a long trip or hospital stay, kept you from telling us, we will may extend the time periods. The liability limits described above are the limits of your liability under federal or other applicable law and regulations. However, when you use a Card or Card number to make an electronic funds transfer you will have no liability for unauthorized transactions unless we invoke one of the following exceptions. You must have reported the loss or theft of your Card to us in a reasonably prompt manner, and you must not have been grossly negligent or acted fraudulently in handling your Card or account. If we reasonably determine, based on substantial evidence, that you were grossly negligent in the handling of your Card or account (such as by filing an excessively late claim), or acted fraudulently in the handling of your Card or accountFor non-personal accounts, you may be liable are responsible for those transactions that occurred prior to all transfers which are authorized using your notification as provided under federal or other applicable laws and regulationsPassword. If you believe permit other persons to use BerkOnline® or your Card and/or PIN have been lost or stolen or that someone has transferred or may transfer money from your accountPassword, telephone us at (000) 000-0000 or write us at the address shown at the beginning of this disclosureyou are responsible for any transactions they authorize. You should also telephone assume the entire risk for the fraudulent, unauthorized, or otherwise improper use of your Password. We shall be entitled to rely on the genuineness and authority of all Instructions received by us when accompanied by such Password, and to act on such Instructions. The provisions of the Electronic Fund Transfer Act, Federal Reserve Board Regulation E, and any other laws or write us at regulations intended for the address listed in this disclosure if you believe a transfer has been made using the information from your check without your permissionprotection of or governance of transactions involving consumers or consumer accounts do not apply to any transactions involving non-personal accounts.