THE SERVICE AND RELATED DOCUMENTATION ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.

You agree not to give or make available your password or other means to access your account to any unauthorized individuals. You are responsible for all payments you authorize using the Service. If you permit other persons to use the Service or your password or other means to access your account, you are responsible for any transactions they authorize. If you believe that your password or other means to access your account has been lost or stolen or that someone may attempt to use the Service without your consent or has transferred money without your permission, you must notify the Service at once by calling 888-554-4362 during customer service hours, Monday thru Friday from 7am to 9pm and Saturday from 8am to 5pm or email customerservice@firstmerit.com.

In accordance with the Electronic Funds Transfer Act (EFT) and Regulation E of the Reserve Board, if you tell us within 2 business days (Mondays through Fridays, except for holidays) of any unauthorized transactions, you can lose no more than $50. If you do not tell us within 2 business days after you have learned of the loss or theft of your access to the Service, and we can prove we could have stopped someone from using your access 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, 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 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.

All transactions initiated through the Service are subject to the Electronic Funds Transfer disclosure provisions of your Internet Banking Services Agreement and are subject to the FirstMerit Privacy Policy as amended from time to time. Please refer to these if you would like more information.