Common use of Your Liability Clause in Contracts

Your Liability. Tell Us AT ONCE if You believe Your Card or the Personal Identi- fication Number (PIN) used to access Your Account using the Card, has been lost or stolen, or if You believe that an electronic fund transfer has been made without Your permis- sion using information from Your check. Telephoning is the best way of keeping Your possible losses down. You could lose all the money in Your Account (plus Your maximum overdraft line of credit). If You tell Us within 2 business days after You learn of the loss or theft of Your Card and/or PIN, You can lose no more than $50 if someone used Your card without Your permission. If You do NOT tell Us within 2 business days after You learn of the loss or theft of Your Card and/or PIN, and We can prove We could have stopped someone from using Your Card 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 60 days after the statement was mailed to You, You may not get back any money You lost after the 60 days if We can prove that We could have stopped someone from taking the money if You had told Us in time. If a good reason (such as a long trip or a hospital stay) kept You from telling Us, We will extend the time periods. If You believe Your Card and/or PIN has been lost or stolen, call or write Us. You should also call the number or write to the address listed above if You believe a transfer has been made using the information from Your check without Your permission.

Your Liability. Tell Us us AT ONCE if You you believe Your your Card or the Personal Identi- fication Number (PIN) used to access Your Account using the Card, PIN has been lost or stolen, or if You believe that an electronic fund transfer has been made without Your permis- sion using information from Your check. Telephoning is the best way of keeping Your your possible losses down. You could lose all the money in Your Account (plus Your maximum overdraft line of credit)associated with your Card. If You you tell Us us within 2 two business days after You learn of the loss or theft of Your Card and/or PINdays, You you can lose no more than $50 if someone used Your card your Card or PIN without Your your permission. If You you do NOT tell Us us within 2 two business days after You you learn of the loss or theft of Your your Card and/or or PIN, and We we can prove We that we could have stopped someone from using Your your Card or PIN without Your your permission if You you had told Usus, You you could lose as much as $500. [Note: You will not be liable for the $50 or $500 amounts stated above for transactions where your PIN is not used to verify your identity if you have not reported two or more incidents of unauthorized use in the immediately preceding 12 months, your Card is in good standing, and you have exercised reasonable care in safeguarding your Card from risk of loss or theft.] Also, if Your statement the written transaction history or other Card transaction information provided to you shows transfers that You you did not make, including those made by Card, PIN or other means, tell Us AT ONCEus at once. If You you do not tell Us us within 60 days after the statement was mailed to Youtransmittal of such information, You you may not get back any money You you lost after the 60 days if We we can prove that We we could have stopped someone from taking the money if You you had told Us us in time. If a good reason (such as a long trip or a hospital stay) kept You you from telling Usnotifying us, We we will extend the time periods. If You believe Your We will cancel your Card and/or PIN has been lost if it is reported to us as lost, stolen or stolendestroyed. Once your Card is canceled, call or write Us. You should also call you will have no liability for further transactions involving the number or write to use of the address listed above if You believe a transfer has been made using the information from Your check without Your permissioncanceled Card.

Your Liability. Tell Us AT ONCE if You believe Your Card or the Personal Identi- fication Identification Number (PIN) used to access Your Account using the Card, has been lost or stolen, or if You believe that an electronic fund transfer has been made without Your permis- sion permission using information from Your check. Telephoning is the best way of keeping Your possible losses down. You could lose all the money in Your Account (plus Your maximum overdraft line of credit). If You tell Us within 2 business days after You learn of the loss or theft of Your Card and/or PIN, You can lose no more than $50 if someone used Your card without Your permission. If You do NOT tell Us within 2 business days after You learn of the loss or theft of Your Card and/or PIN, and We can prove We could have stopped someone from using Your Card 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 60 days after the statement was mailed to You, You may not get back any money You lost after the 60 days if We can prove that We could have stopped someone from taking the money if You had told Us in time. If a good reason (such as a long trip or a hospital stay) kept You from telling Us, We will extend the time periods. If You believe Your Card and/or PIN has been lost or stolen, call or write Us. You should also call the number or write to the address listed above if You believe a transfer has been made using the information from Your check without Your permission.

Your Liability. Tell Us us AT ONCE if You you believe Your your Card or the Personal Identi- fication Number (PIN) used to access Your Account using the Card, PIN has been lost or stolen, or if You you believe that an electronic fund transfer has been made without Your permis- sion using information from Your checkyour permission. Telephoning is the best way of keeping Your your possible losses down. You could lose all the money in Your Account your account (plus Your your maximum overdraft line of credit). If You credit).If you tell Us us within 2 two business days after You you learn of the loss or theft of Your your Card and/or or PIN, You you can lose no more than $50 if someone used Your card your Card or PIN without Your your permission. If You you do NOT tell Us us within 2 two business days after You you learn of the loss or theft of Your your Card and/or or PIN, and We we can prove We we could have stopped someone from using Your your Card or PIN without Your your permission if You you had told Usus, You you could lose as much as $500. Also, if Your your statement shows transfers that You you did not make, including those made by Card, PIN or other means, tell Us AT ONCEus at once. If You you do not tell Us us within 60 days after the statement was mailed to Youyou or posted online (for electronic statements), You you may not get back any money You you lost after the 60 days if We we can prove that We we could have stopped someone from taking the money if You you had told Us us in time. If a good reason (such as a long trip or a hospital stay) kept You you from telling Usus, We we will extend the time periods. If You you believe Your your Card and/or or PIN has been lost or stolen, call call: (000) 000-0000 or write Us. You should also call the number toll-free at 1-800-342-8422 or write to the address listed above if You believe a transfer has been made using the information from Your check without Your permission.write: Central Pacific Bank Attn: Electronic Banking Department X.X. Xxx 0000 Xxxxxxxx, XX 00000-0000

Your Liability. Tell Us us AT ONCE if You you believe Your your Card or the Personal Identi- fication Number (PIN) used to access Your Account using the Card, PIN has been lost or stolen, or if You believe that an electronic fund transfer has been made without Your permis- sion using information from Your check. Telephoning is the best way of keeping Your your possible losses down. You could lose all the money in Your Account (plus Your maximum overdraft line of credit)associated with your Card account. If You you tell Us us within 2 two business days after You learn of the loss or theft of Your Card and/or PINdays, You you can lose no more than $50 if someone used Your card your Card or PIN without Your your permission. If You you do NOT tell Us us within 2 two business days after You you learn of the loss or theft of Your your Card and/or or PIN, and We we can prove We that we could have stopped someone from using Your your Card or PIN without Your your permission if You you had told Usus, You you could lose as much as $500. Note: You will not be liable for the $50 or $500 amounts stated above for transactions where your PIN is not used to verify your identity if you have not reported two or more incidents of unauthorized use in the immediately preceding 12 months, your Card account is in good standing, and you have exercised reasonable care in safeguarding your Card from risk of loss or theft. Also, if Your statement the written transaction history or other Card transaction information provided to you shows transfers that You you did not make, including those made by Card, PIN or other means, tell Us AT ONCEus at once. If You you do not tell Us us within 60 days after the statement was mailed to Youtransmittal of such information, You you may not get back any money You you lost after the 60 days if We we can prove that We we could have stopped someone from taking the money if You you had told Us us in time. If a good reason (such as a long trip or a hospital stay) kept You you from telling Usnotifying us, We we will extend the time periods. If You believe Your We will cancel your Card and/or PIN has been lost if it is reported to us as lost, stolen or stolendestroyed. Once your Card is canceled, call or write Us. You should also call you will have no liability for further transactions involving the number or write to use of the address listed above if You believe a transfer has been made using the information from Your check without Your permissioncanceled Card.

Your Liability. Tell Us us AT ONCE if You you believe Your your Card or the Personal Identi- fication Number (PIN) used to access Your Account using the Card, has been lost or stolen, or if You believe that an electronic fund transfer has been made without Your permis- sion using information from Your check. Telephoning toll free at 0-000-000-0000 is the best way of keeping Your possible your losses down. You could lose all the money in Your Account IF YOU BELIEVE THAT YOUR CARD HAS BEEN STOLEN, OR THAT SOMEONE HAS TRANSFERED OR MAY TRANSFER MONEY FROM YOUR CARD ACCOUNT W ITHOUT YOUR PERMISSION, CALL US TOLL FREE AT 0-000-000-0000. IF AMERICAN 1 CU IS CLOSED AT THAT TIME, PLEASE CALL MASTERCARD DIRECTLY TO BLOCK YOUR CARD AT 0-000-000-0000. IF YOU NOTIFY US W ITHIN TW O (plus Your maximum overdraft line of credit)2) BUSINESS DAYS, YOU CAN LOSE NO MORE THAN $50.00. If You tell Us within 2 business days after You learn of the loss or theft of Your Card and/or PINIF SOMEONE USED YOUR CARD W ITHOUT YOUR PERMISSION. IF YOU DO NOT NOTIFY US W ITHIN TWO (2) BUSINESS DAYS AFTER YOU LEARN OF THE LOSS OR THEFT OF YOUR CARD AND W E CAN PROVE THAT WE COULD HAVE STOPPED SOMEONE FROM USING YOUR CARD W ITHOUT YOUR PERMISSION IF YOU HAD PROMPTLY NOTIFIED US, You can lose no more than YOU COULD LOSE AS MUCH AS $50 if someone used Your card without Your permission. If You do NOT tell Us within 2 business days after You learn of the loss or theft of Your Card and/or PIN, and We can prove We could have stopped someone from using Your Card without Your permission if You had told Us, You could lose as much as $500500.00. Also, if Your your statement shows transfers transactions that You you did not make, including those made by Card, PIN or other means, tell Us AT ONCEus at once. If You you do not tell Us us within 60 days after the statement was mailed made available to Youyou, You you may not get back any money You you lost after the 60 days if We we can prove that We we could have stopped someone from taking the money if You you had told Us us in timetime and you are grossly negligent or fraudulent in the handling of your card. If a good reason (such as a long trip or a hospital stay) kept You from telling Us, We your Card is stolen we will extend the time periods. If You believe Your close your Card and/or PIN has been lost or stolen, call or write Us. You should also call the number or write Account to the address listed above if You believe a transfer has been made using the information from Your check without Your permissionkeep losses down.

Your Liability. Tell Us AT ONCE if You believe Your Card or the Personal Identi- fication Iden- tification Number (PIN) used to access Your Account using the Card, has been lost or stolen, or if You believe that an electronic fund transfer has been made without Your permis- sion permission using information from Your check. Telephoning is the best way of keeping Your possible losses down. You could lose all the money in Your Account (plus Your maximum overdraft line of credit). If You tell Us within 2 business days after You learn of the loss or theft of Your Card and/or PIN, You can lose no more than $50 if someone used Your card without Your permission. If You do NOT tell Us within 2 business days after You learn of the loss or theft of Your Card and/or and/ or PIN, and We can prove We could have stopped someone from using Your Card 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 60 days after the statement was mailed to You, You may not get back any money You lost after the 60 days if We can prove that We could have stopped someone from taking the money if You had told Us in time. If a good reason (such as a long trip or a hospital stay) kept You from telling Us, We will extend the time periods. If You believe Your Card and/or PIN has been lost or stolen, call or write Us. You should also call the number or write to the address listed above in this document if You believe a transfer has been made using the information from Your check without Your permission.

Your Liability. Tell Us us AT ONCE if You you believe Your your Card or the Personal Identi- fication Number (PIN) used to access Your Account using the Card, PIN has been lost or stolen, or if You you believe that an electronic fund transfer has been made without Your permis- sion using information from Your checkyour permission. Telephoning us at 0-000-000-0000 is the best way of keeping Your possible your losses down. You could lose all the money in Your Account (plus Your maximum overdraft line of credit)your Card account. If You you tell Us us within two 2 business days after You you learn of the loss or theft of Your your Card and/or or PIN, You you can lose no more than $50 if someone used Your card your Card or PIN without Your your permission. If You you do NOT tell Us us within two 2 business days after You you learn of the loss or theft of Your your Card and/or or PIN, and We we can prove We we could have stopped someone from using Your your Card or PIN without Your your permission if You you had told Usus, You you could lose as much as $500. Also, if Your statement your Card transaction history shows transfers transactions that You you did not make, including those made by with your Card, or PIN or by other means, tell Us AT ONCEus at once. If You you do not tell Us us within 60 days after the statement information was mailed made available to Youyou, You you may not get back any money You you lost after the 60 days if We we can prove that We we could have stopped someone from taking the money if You you had told Us us in time. If a good reason (such as a long trip or a hospital stay) kept You you from telling Usus, We we will extend the time periodsperiods for a reasonable period. If You you believe Your your Card and/or or PIN has been lost or stolen, call the Customer Service number immediately, at 0-000-000-0000, or write Us. You should also call the number or write us at Customer Account Services, X.X. Xxx 000000, Xxx Xxxxxxx, Xxxxx 00000-0000xx keep your possible losses to the address listed above if You believe a transfer has been made using the information from Your check without Your permissionminimum.

Your Liability. Tell Us AT ONCE if You believe Your Card or the Personal Identi- fication Identifi- cation Number (PIN) used to access Your Account using the Card, has been lost or stolen, or if You believe that an electronic fund transfer has been made without Your permis- sion permission using information from Your check. Telephoning is the best way of keeping Your possible losses down. You could lose all the money in Your Account (plus Your maximum overdraft line of credit). If You tell Us within 2 business days after You learn of the loss or theft of Your Card and/or PIN, You can lose no more than $50 if someone used Your card without Your permissionpermis- sion. If You do NOT tell Us within 2 business days after You learn of the loss or theft of Your Card and/or PIN, and We can prove We could have stopped someone from using Your Card 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 60 days after the statement was mailed to You, You may not get back any money You lost after the 60 days if We can prove that We could have stopped someone from taking the money if You had told Us in time. If a good reason (such as a long trip or a hospital stay) kept You from telling Us, We will extend the time periods. If You believe Your Card and/or PIN has been lost or stolen, call or write Us. You should also call the number or write to the address listed above in this document if You believe a transfer has been made using the information from Your check without Your permission.

Your Liability. Tell Us us AT ONCE if You you believe Your your Card or the Personal Identi- fication Number (PIN) used to access Your Account using the Card, PIN has been lost or stolen, or if You you believe that an electronic fund transfer has been made without Your permis- sion using information from Your checkyour permission. Telephoning is the best way of keeping Your your possible losses down. You could lose all the money in Your Account your account (plus Your your maximum overdraft line of credit). If You credit).If you tell Us us within 2 two business days after You you learn of the loss or theft of Your your Card and/or or PIN, You you can lose no more than $50 if someone used Your card your Card or PIN without Your your permission. If You you do NOT tell Us us within 2 two business days after You you learn of the loss or theft of Your your Card and/or or PIN, and We we can prove We we could have stopped someone from using Your your Card or PIN without Your your permission if You you had told Usus, You you could lose as much as $500. Also, if Your your statement shows transfers that You you did not make, including those made by Card, PIN or other means, tell Us AT ONCEus at once. If You you do not tell Us us within 60 days after the statement was mailed to Youyou or posted online (for electronic statements), You you may not get back any money You you lost after the 60 days if We we can prove that We we could have stopped someone from taking the money if You you had told Us us in time. If a good reason (such as a long trip or a hospital stay) kept You you from telling Usus, We we will extend the time periods. If You you believe Your your Card and/or or PIN has been lost or stolen, call call: (000) 000-0000 or write Us. You should also call the number toll-free at 0-000-000-0000 or write to the address listed above if You believe a transfer has been made using the information from Your check without Your permission.write: Central Pacific Bank Attn: Electronic Banking Department X.X. Xxx 0000 Xxxxxxxx, XX 00000-0000